{"id":48957,"date":"2025-08-07T13:00:24","date_gmt":"2025-08-07T09:00:24","guid":{"rendered":"https:\/\/mecra.az\/?p=48957"},"modified":"2025-08-07T13:04:19","modified_gmt":"2025-08-07T09:04:19","slug":"m%c9%99rk%c9%99zi-bank-qaydalari-d%c9%99yisdi-faiz-t%c9%99l%c9%99sin%c9%99-son-qoyulur","status":"publish","type":"post","link":"https:\/\/mecra.az\/?p=48957","title":{"rendered":"M\u0259rk\u0259zi Bank qaydalar\u0131 d\u0259yi\u015fdi: Faiz \u201ct\u0259l\u0259sin\u0259\u201d son qoyulur?"},"content":{"rendered":"<p><strong>M\u0259rk\u0259zi Bank istehlak kredit kartlar\u0131 \u00fczr\u0259 borclanma il\u0259 ba\u011fl\u0131 t\u0259nziml\u0259yici \u00e7\u0259r\u00e7iv\u0259ni d\u0259yi\u015fib. Ba\u015f bank\u0131n yayd\u0131\u011f\u0131 a\u00e7\u0131qlamada bunun borclanman\u0131n daha m\u0259suliyy\u0259tli v\u0259 sa\u011flam apar\u0131lmas\u0131 v\u0259 el\u0259c\u0259 d\u0259 \u0259halinin izafi borclanmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131 v\u0259 bank sisteminin kapital dayan\u0131ql\u0131\u011f\u0131n\u0131n t\u0259min edilm\u0259si m\u0259qs\u0259di il\u0259 apar\u0131ld\u0131\u011f\u0131 bildirilib.<\/strong><\/p>\n<p>Niy\u0259 bu qaydalara ehtiyac var idi? V\u0259 \u0259n \u0259sas\u0131 yeni qaydalar \u0259halinin izafi v\u0259 bir s\u0131ra hallarda s\u00fcni borclanmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 alacaqm\u0131?<\/p>\n<p>M\u00fc\u015fahid\u0259l\u0259r g\u00f6st\u0259rir ki, son d\u00f6vrl\u0259r istehlak kreditl\u0259ri \u00fczr\u0259 yubanmalar\u0131n s\u0259b\u0259bl\u0259rind\u0259n biri d\u0259 kartlarda m\u00fc\u015ft\u0259rinin \u00f6d\u0259m\u0259 qabiliyy\u0259tin\u0259 uy\u011fun olmayan kredit x\u0259ttl\u0259rinin a\u00e7\u0131lmas\u0131 v\u0259 el\u0259c\u0259 d\u0259 yubanmalar \u00fc\u00e7\u00fcn izah edil\u0259 bilm\u0259y\u0259n y\u00fcks\u0259k c\u0259rim\u0259 faizl\u0259rinin hesablanmas\u0131 il\u0259 ba\u011fl\u0131d\u0131r. \u00d6lk\u0259d\u0259 vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi ilin \u0259vv\u0259lin\u0259 475 milyon manat idis\u0259, bu g\u00f6st\u0259rici ilin yar\u0131s\u0131nda 527 milyon manatad\u0259k y\u00fcks\u0259lib. Y\u0259ni, bu ilin ilk yar\u0131s\u0131nda problemli kreditl\u0259rin h\u0259cmi 10 faizd\u0259n \u00e7ox art\u0131b. H\u0259min d\u00f6vrd\u0259 \u00fcmumi kredit portfeli 24 milyard 890 milyon manatdan 25 milyard 991 milyon manatad\u0259k y\u00fcks\u0259lib. Bu o dem\u0259kdir ki, h\u0259min m\u00fcdd\u0259td\u0259 kredit portfeli c\u0259mi 4.4 faiz art\u0131b. Bu h\u0259m d\u0259 o dem\u0259kdir ki, problemli kreditl\u0259rin h\u0259cmi \u00fcmumi kredit portfeli il\u0259 m\u00fcqayis\u0259d\u0259 2 d\u0259f\u0259 b\u0259nd daha \u00e7ox art\u0131b. Bu is\u0259, bank sektoru \u00fc\u00e7\u00fcn he\u00e7 d\u0259 yax\u015f\u0131 dinamika hesab oluna bilm\u0259z. Bir t\u0259r\u0259fd\u0259n d\u0259, \u0259halinin borc y\u00fck\u00fcn\u00fcn s\u0259r\u0259ncamda qalan g\u0259lird\u0259 pay\u0131n\u0131n art\u0131mas\u0131 m\u00fc\u015fahid\u0259 olunurdu. T\u0259bii ki, b\u00fct\u00fcn bunlar fonunda kredit x\u0259ttl\u0259rinin a\u00e7\u0131lmas\u0131 \u00fc\u00e7\u00fcn yeni meyarlar\u0131n m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259sin\u0259 ehtiyac var idi.<\/p>\n<p>D\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, borcalan\u0131n kredit kart\u0131 onun xalis vergid\u0259n sonrak\u0131 g\u0259lirinin maksimum 5 misli il\u0259 m\u0259hdudla\u015fd\u0131r\u0131l\u0131r. M\u0259rk\u0259zi Bank hesab edir ki, bununla banklar preventiv olaraq riskl\u0259rin qar\u015f\u0131s\u0131n\u0131 ala bil\u0259rl\u0259r. Bununla yana\u015f\u0131, d\u0259yi\u015fikl\u0259r\u0259 \u0259sas\u0259n na\u011fd v\u0259saitl\u0259rl\u0259, habel\u0259 bank v\u0259 qiym\u0259tli metallarla t\u0259min edilmi\u015f kredit x\u0259tl\u0259ri borcalan\u0131n xalis vergid\u0259n sonrak\u0131 g\u0259lirinin 5 misli normativinin hesablanmas\u0131ndan istisna edilir. Yeni t\u0259l\u0259b\u0259 \u0259sas\u0259n bu limitd\u0259n art\u0131q olan istehlak kredit x\u0259tl\u0259rinin m\u0259cmu miqdar\u0131 bank\u0131n tutulmalardan sonra I d\u0259r\u0259c\u0259li kapital\u0131n\u0131n 1%-d\u0259n art\u0131q olmamal\u0131d\u0131r. Y\u0259ni, \u0259g\u0259r v\u0259t\u0259nda\u015f\u0131n xalis g\u0259liri min manatd\u0131rsa onun kredit x\u0259tti, y\u0259ni kart vasit\u0259si il\u0259 borclanmas\u0131 5 min manatdan \u00e7ox ola bilm\u0259z. T\u0259bii ki, v\u0259t\u0259nda\u015f\u0131n dig\u0259r borc \u00f6hd\u0259likl\u0259ri varsa o da n\u0259z\u0259r\u0259 al\u0131nacaq. Amma \u0259g\u0259r, borclanma na\u011fd\u0131d\u0131rsa v\u0259 t\u0259min olunubsa o zaman bu qaydalar istisna edilir.<\/p>\n<p>Dig\u0259r qayda, overdraft limitl\u0259ri kredit x\u0259tl\u0259ri anlay\u0131\u015f\u0131na daxil edil\u0259r\u0259k istehlak kredit kartlar\u0131 \u00fczr\u0259 kredit\u0259 konvertasiya \u0259msal\u0131n\u0131n 40% m\u00fc\u0259yy\u0259n edilm\u0259sidir. \u0130stehlak kredit x\u0259tl\u0259rinin balansdank\u0259nar hesablarda oldu\u011fu m\u00fcdd\u0259td\u0259 h\u0259min x\u0259tl\u0259r \u00fczr\u0259 100% risk d\u0259r\u0259c\u0259si t\u0259tbiq edil\u0259c\u0259kdir. Ayd\u0131nl\u0131q \u00fc\u00e7\u00fcn qeyd ed\u0259k ki, overdraft xidm\u0259ti il\u0259 kart sahibi hesab\u0131nda olan puldan daha \u00e7ox pul x\u0259rcl\u0259y\u0259 bil\u0259r. B\u00fct\u00f6vl\u00fckd\u0259, v\u0259sait\u0259 ehtiyac\u0131 olan borcalan t\u0259r\u0259find\u0259n istifad\u0259 edil\u0259 bil\u0259n kreditdir. N\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r ki, bir s\u0131ra banklar overdraft xidm\u0259tind\u0259n istifad\u0259 ed\u0259r\u0259k y\u00fcks\u0259k faizl\u0259r il\u0259 b\u0259zi kart sahibl\u0259ri \u00fc\u00e7\u00fcn izafi maliyy\u0259 y\u00fck\u00fc yarad\u0131rlar. Bu bax\u0131mdan, bu istiqam\u0259td\u0259 t\u0259kmill\u0259\u015fdirm\u0259l\u0259rin davam etm\u0259sin\u0259 ehtiyac var.<\/p>\n<p>B\u00fct\u00f6vl\u00fckd\u0259, M\u0259rk\u0259zi Bank\u0131n yeni qaydalar\u0131 t\u0259qdir\u0259layiqdir v\u0259 v\u0259t\u0259nda\u015flar\u0131n izafi borclanmas\u0131n\u0131 azalda bil\u0259r, amma t\u0259bii ki, bu istiqam\u0259td\u0259 t\u0259nizml\u0259m\u0259l\u0259rin daha da d\u0259rinl\u0259\u015fdirilm\u0259si prioritet olaraq qalmaqdad\u0131r.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>V\u00fcqar Bayramov,<\/strong><\/p>\n<p><strong>mill\u0259t v\u0259kili<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u0259rk\u0259zi Bank istehlak kredit kartlar\u0131 \u00fczr\u0259 borclanma il\u0259 ba\u011fl\u0131 t\u0259nziml\u0259yici \u00e7\u0259r\u00e7iv\u0259ni d\u0259yi\u015fib. Ba\u015f bank\u0131n yayd\u0131\u011f\u0131 a\u00e7\u0131qlamada bunun borclanman\u0131n daha m\u0259suliyy\u0259tli v\u0259 sa\u011flam apar\u0131lmas\u0131 v\u0259 el\u0259c\u0259 d\u0259 \u0259halinin izafi borclanmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131n&hellip; <\/p>\n","protected":false},"author":1,"featured_media":46203,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-48957","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-manset"],"_links":{"self":[{"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/posts\/48957","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mecra.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=48957"}],"version-history":[{"count":3,"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/posts\/48957\/revisions"}],"predecessor-version":[{"id":48960,"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/posts\/48957\/revisions\/48960"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/media\/46203"}],"wp:attachment":[{"href":"https:\/\/mecra.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=48957"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mecra.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=48957"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mecra.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=48957"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}