{"id":50224,"date":"2025-08-24T18:16:43","date_gmt":"2025-08-24T14:16:43","guid":{"rendered":"https:\/\/mecra.az\/?p=50224"},"modified":"2025-08-24T18:16:43","modified_gmt":"2025-08-24T14:16:43","slug":"kredit-kartlarina-yeni-limit-qoyuldu-s%c9%99rt-qaydalar","status":"publish","type":"post","link":"https:\/\/mecra.az\/?p=50224","title":{"rendered":"Kredit kartlar\u0131na yeni limit qoyuldu – S\u0259rt qaydalar"},"content":{"rendered":"
\n

\u018fhalinin kredit kart\u0131 il\u0259 borclanmas\u0131 m\u0259hdudla\u015fd\u0131r\u0131l\u0131b. D\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, borcalan\u0131n kredit kart\u0131 onun xalis vergid\u0259n sonrak\u0131 g\u0259lirinin maksimum be\u015f misli q\u0259d\u0259r olacaq. S\u00f6z\u00fcged\u0259n limit borcalan\u0131n dig\u0259r kredit t\u0259\u015fkilatlar\u0131na qar\u015f\u0131 \u00f6hd\u0259likl\u0259rini d\u0259 n\u0259z\u0259r\u0259 almaqla hesablan\u0131r. B\u0259s bu q\u0259rar v\u0259t\u0259nda\u015flara, banklara nec\u0259 t\u0259sir ed\u0259c\u0259k?<\/p>\n

Mecra.az<\/strong><\/a>\u00a0bununla ba\u011fl\u0131 “Kaspi” q\u0259zetinin m\u0259qal\u0259sini t\u0259qdim edir.<\/p>\n

“Borclanman\u0131n artmas\u0131 inflyasiyan\u0131 qidaland\u0131ra bil\u0259r”<\/strong><\/p>\n

Maliyy\u0259 m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 konsultant, Bak\u0131 M\u00fch\u0259ndislik Universitetinin Maliyy\u0259 v\u0259 m\u00fchasibat kafedras\u0131n\u0131n ba\u015f m\u00fc\u0259llimi Elmin Nem\u0259tlinin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, istehlak kreditl\u0259ri ist\u0259r bank aktivl\u0259rinin, ist\u0259rs\u0259 d\u0259 banklar\u0131n kredit portfelinin m\u00fch\u00fcm hiss\u0259sini t\u0259\u015fkil edir: “30 iyun 2025-ci il tarixin\u0259 istehlak kreditl\u0259rinin (ipoteka kreditl\u0259ri istisna olmaqla) \u00fcmumi h\u0259cmi 8 milyard 898 milyon t\u0259\u015fkil edib ki, bu da icmal bank aktivl\u0259rinin 15.7 faizi dem\u0259kdir. M\u00fcvafiq g\u00f6st\u0259ricil\u0259r 2024-c\u00fc il 30 iyun tarixin\u0259 7 milyard 634 milyon manat v\u0259 15.2 faiz t\u0259\u015fkil edib. \u0130stehlak kreditl\u0259rinin h\u0259cmi t\u0259kc\u0259 son alt\u0131 ayda 453.30 milyon manat art\u0131b. Bu g\u00f6st\u0259rici son bir ild\u0259 1 milyard 264 milyon, son be\u015f ild\u0259 is\u0259 4 milyard 958 milyon manat t\u0259\u015fkil edib. Az\u0259rbaycanda haz\u0131rda 2 118 498 \u0259d\u0259d kredit kart\u0131 m\u00f6vcuddur. Be\u015f il \u0259vv\u0259l bu r\u0259q\u0259m 1 203 158 \u0259d\u0259d idi. H\u0259r yeni kredit kart\u0131 v\u0259t\u0259nda\u015fa veril\u0259n yeni kredit limiti dem\u0259kdir”.<\/p>\n

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Maliyy\u0259 konsultant\u0131 bildirdi ki, istehlak kreditl\u0259rinin h\u0259cminin qeyri-adekvat b\u00f6y\u00fcm\u0259si \u0259halinin qeyri-sa\u011flam maliyy\u0259 y\u00fck\u00fcn\u00fc art\u0131r\u0131r. Bu, eyni zamanda banklar\u0131n kapital m\u00f6vqeyinin z\u0259ifl\u0259m\u0259sin\u0259 d\u0259 g\u0259tirib \u00e7\u0131xara bil\u0259r: “Banklar ayda bir d\u0259f\u0259d\u0259n az olmayaraq aktivl\u0259rini t\u0259snifl\u0259\u015fdirm\u0259li v\u0259 m\u00fcmk\u00fcn z\u0259r\u0259rl\u0259rin \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn x\u00fcsusi ehtiyatlar ay\u0131rmal\u0131d\u0131rlar. Bu bax\u0131mdan, vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259r artd\u0131qca banklar da \u0259lav\u0259 ehtiyat ay\u0131rma\u011fa m\u0259cbur olur. Bu is\u0259 banklar\u0131n m\u0259nf\u0259\u0259tin\u0259 v\u0259 kapital m\u00f6vqeyin\u0259 m\u0259nfi t\u0259sir g\u00f6st\u0259rir. \u0130stehlak y\u00f6n\u00fcml\u00fc borclanman\u0131n artmas\u0131 inflyasiyan\u0131 qidaland\u0131ra bil\u0259r”.<\/p>\n

“Qeyri-i\u015fl\u0259k istehlak kreditl\u0259ri s\u00fcr\u0259tl\u0259 art\u0131r”<\/strong><\/p>\n

E.Nem\u0259tlinin fikrinc\u0259, M\u0259rk\u0259zi Bank\u0131n yeni qaydalar\u0131 h\u0259r bir bank\u0131n \u00f6z\u00fcn\u0259 aid m\u00fcvafiq kapital g\u00f6st\u0259ricisin\u0259 uy\u011fun istehlak krediti x\u0259tl\u0259ri a\u00e7mas\u0131na g\u0259tirib \u00e7\u0131xaracaq. Daha y\u00fcks\u0259k kapital g\u00f6st\u0259ricisin\u0259 malik olan bank daha b\u00f6y\u00fck h\u0259cmd\u0259 kredit x\u0259tti a\u00e7maq imkan\u0131nda olacaq.<\/p>\n

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Ekspert bildirdi ki, m\u0259hdudiyy\u0259tl\u0259rin olmamas\u0131 banklar\u0131n y\u00fcks\u0259k g\u0259lir \u0259ld\u0259 etm\u0259k m\u0259qs\u0259dil\u0259 v\u0259t\u0259nda\u015fa \u00f6d\u0259m\u0259 qabiliyy\u0259tind\u0259n daha y\u00fcks\u0259k m\u0259bl\u0259\u011fd\u0259 kredit (o c\u00fcml\u0259d\u0259n kredit limiti) verm\u0259sin\u0259 imkan yarad\u0131rd\u0131: “Qeyri-i\u015fl\u0259k kreditl\u0259rin (90 g\u00fcnd\u0259n art\u0131q gecikm\u0259) istehlak kreditl\u0259rinin nisb\u0259tin\u0259 diqq\u0259t yetirs\u0259k, son bir ild\u0259 bu g\u00f6st\u0259ricinin 3 faizd\u0259n 3.6 faiz\u0259 y\u00fcks\u0259ldiyini g\u00f6r\u0259 bil\u0259rik. Qeyri-i\u015fl\u0259k istehlak kreditl\u0259ri 30 iyun 2024-c\u00fc il tarixin\u0259 226.3 milyon, 1 il sonra is\u0259 321 milyon t\u0259\u015fkil edib”.<\/p>\n

“B\u00fcdc\u0259 planla\u015fd\u0131rmas\u0131 bar\u0259d\u0259 savadl\u0131l\u0131q art\u0131r\u0131lmal\u0131d\u0131r”<\/strong><\/p>\n

E.Nem\u0259tli deyir ki, problemli kreditl\u0259rin azalmas\u0131 fonunda banklar\u0131n g\u00f6zl\u0259nil\u0259n m\u00fcmk\u00fcn z\u0259r\u0259rl\u0259r \u00fc\u00e7\u00fcn x\u00fcsusi ehtiyat ay\u0131rmalar\u0131 azalacaq. S\u00f6z\u00fcged\u0259n aktivl\u0259rin azalmas\u0131 banklar\u0131n h\u0259min kreditl\u0259rin b\u0259rpas\u0131 \u00fc\u00e7\u00fcn s\u0259rf etdiyi resurslara q\u0259na\u0259t etm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xaracaq: “Bu, m\u0259nf\u0259\u0259tliy\u0259 m\u00fcsb\u0259t t\u0259sir ed\u0259c\u0259k. Problemli kreditl\u0259rin azalmas\u0131 banklar\u0131n kapital m\u00f6vqeyind\u0259 bu v\u0259 ya dig\u0259r d\u0259r\u0259c\u0259d\u0259 g\u00fccl\u0259nm\u0259y\u0259 g\u0259tirib \u00e7\u0131xaracaq”.<\/p>\n

“Effektivlik \u00fc\u00e7\u00fcn maarifl\u0259ndirm\u0259 d\u0259 laz\u0131md\u0131r”<\/strong><\/p>\n

Maliyy\u0259\u00e7inin fikrinc\u0259, q\u0259rar\u0131n effektiv olmas\u0131 \u00fc\u00e7\u00fcn maarifl\u0259ndirm\u0259 d\u0259 laz\u0131md\u0131r: “D\u0259yi\u015fiklik x\u00fcsusil\u0259 d\u0259 y\u00fcks\u0259k m\u0259bl\u0259\u011fd\u0259 istehlak krediti x\u0259tti \u0259ld\u0259 etm\u0259k ist\u0259y\u0259n m\u00fc\u015ft\u0259ril\u0259rin say\u0131n\u0131 m\u0259hdudla\u015fd\u0131racaq. Y\u00fcks\u0259k limitli kredit kartlar\u0131 vasit\u0259sil\u0259 g\u0259r\u0259ksiz x\u0259rcl\u0259rin nisb\u0259t\u0259n azalaca\u011f\u0131n\u0131 da ehtimal ed\u0259 bil\u0259rik. Dig\u0259r maarifl\u0259ndirici \u00fcsullar vasit\u0259sil\u0259 d\u0259 v\u0259t\u0259nda\u015flar\u0131n borc y\u00fck\u00fc v\u0259 \u015f\u0259xsi b\u00fcdc\u0259 planla\u015fd\u0131rmas\u0131 bar\u0259d\u0259 savadl\u0131-l\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131 y\u00f6n\u00fcnd\u0259 davaml\u0131 \u00e7al\u0131\u015fmalar h\u0259yata ke\u00e7irilm\u0259lidir. \u00c7\u00fcnki potensial borcalan xalis g\u0259lirinin be\u015f mislin\u0259 q\u0259d\u0259r olan borclanma perspektivini d\u0259 d\u00fc\u015f\u00fcnm\u0259li v\u0259 m\u0259suliyy\u0259tini d\u0259rk etm\u0259lidir. G\u0259lir\u0259 uy\u011fun x\u0259rcl\u0259m\u0259 prinsipi v\u0259 q\u0259na\u0259t v\u0259rdi\u015fl\u0259ri v\u0259t\u0259nda\u015f\u0131n \u00f6z\u00fcnd\u0259 formala\u015fmad\u0131\u011f\u0131 m\u00fcdd\u0259tc\u0259 dig\u0259r m\u0259hdudla\u015fd\u0131r\u0131c\u0131 al\u0259tl\u0259r y\u00fcz faizli n\u0259tic\u0259 g\u00f6st\u0259rm\u0259y\u0259c\u0259k”.<\/p>\n

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“\u0130nsanlar maliyy\u0259 g\u00fccl\u0259rini do\u011fru qiym\u0259tl\u0259ndir\u0259 bilmirl\u0259r”<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131 Eld\u0259niz \u018fmirov da d\u00fc\u015f\u00fcn\u00fcr ki, istehlak kreditl\u0259rinin verilm\u0259 \u015f\u0259rtl\u0259rinin s\u0259rtl\u0259\u015fdirilm\u0259sin\u0259 ehtiyac var idi: “\u00c7\u00fcnki 2021-2025-ci ill\u0259r \u0259rzind\u0259 istehlak kreditl\u0259ri 90,5 faiz artaraq 8,6 milyard manata \u00e7at\u0131b. Problemli kreditl\u0259rin d\u0259 \u0259sas hiss\u0259si m\u0259hz istehlak kreditl\u0259ridir. \u0130stehlak kreditl\u0259rinin son ill\u0259rd\u0259 s\u00fcr\u0259tl\u0259 artmas\u0131 v\u0259 onlar\u0131n problemli kreditl\u0259rin i\u00e7\u0259risind\u0259 y\u00fcks\u0259k paya sahib olmas\u0131 maliyy\u0259 dayan\u0131ql\u0131l\u0131\u011f\u0131 \u00fc\u00e7\u00fcn risk yarad\u0131r. M\u0259rk\u0259zi bank h\u0259m banklar\u0131n dayan\u0131ql\u0131l\u0131\u011f\u0131n\u0131 qorumaq, h\u0259m d\u0259 \u0259halinin borc y\u00fck\u00fcn\u00fc optimalla\u015fd\u0131rmaq m\u0259qs\u0259dil\u0259 bel\u0259 bir add\u0131m at\u0131b. \u0130nsanlar \u00f6z maliyy\u0259 g\u00fccl\u0259rini do\u011fru qiym\u0259tl\u0259ndir\u0259 bilmirl\u0259r. Bel\u0259likl\u0259, qar\u015f\u0131laya bilm\u0259y\u0259c\u0259kl\u0259ri maliyy\u0259 y\u00fck\u00fc alt\u0131na girirl\u0259r”.<\/p>\n

E.\u018fmirovun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, istehlak kreditl\u0259rinin b\u00f6y\u00fck hiss\u0259si kredit kartlar\u0131 \u00fcz\u0259rind\u0259n ba\u015f verir. D\u0259yi\u015fiklik v\u0259t\u0259nda\u015flar\u0131 d\u00fc\u015f\u00fcn\u00fclm\u00fc\u015f maliyy\u0259 q\u0259rarlar\u0131 verm\u0259y\u0259 s\u00f6vq ed\u0259c\u0259k: “Bu q\u0259rar banklar\u0131n m\u0259nf\u0259\u0259tini azalda bil\u0259r. \u00c7\u00fcnki banklar kredit ver\u0259r\u0259k m\u0259nf\u0259\u0259t \u0259ld\u0259 edirl\u0259r. Amma m\u00fcsb\u0259t t\u0259r\u0259fi odur ki, birba\u015fa daha \u015f\u0259ffaf v\u0259 riski a\u015fa\u011f\u0131 maliyy\u0259 mexanizml\u0259ri yaranacaq. Eyni zamanda, problemli kreditl\u0259rin h\u0259cmini azaldacaq. \u018fg\u0259r banklara minl\u0259rl\u0259 insan\u0131n borcu varsa, bu, onlar \u00fc\u00e7\u00fcn problem dem\u0259kdir. Bel\u0259 banklar\u0131n say\u0131n\u0131n \u00e7ox olmas\u0131 \u00f6lk\u0259 iqtisadiyyat\u0131 \u00fc\u00e7\u00fcn d\u0259 probleml\u0259r yarad\u0131r. Ona g\u00f6r\u0259 d\u0259 bu, yerind\u0259 at\u0131lm\u0131\u015f add\u0131md\u0131r”.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u018fhalinin kredit kart\u0131 il\u0259 borclanmas\u0131 m\u0259hdudla\u015fd\u0131r\u0131l\u0131b. D\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n, borcalan\u0131n kredit kart\u0131 onun xalis vergid\u0259n sonrak\u0131 g\u0259lirinin maksimum be\u015f misli q\u0259d\u0259r olacaq. S\u00f6z\u00fcged\u0259n limit borcalan\u0131n dig\u0259r kredit t\u0259\u015fkilatlar\u0131na qar\u015f\u0131 \u00f6hd\u0259likl\u0259rini d\u0259… <\/p>\n","protected":false},"author":1,"featured_media":50225,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[50],"tags":[],"class_list":["post-50224","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundm"],"_links":{"self":[{"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/posts\/50224","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=50224"}],"version-history":[{"count":1,"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/posts\/50224\/revisions"}],"predecessor-version":[{"id":50226,"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/posts\/50224\/revisions\/50226"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mecra.az\/index.php?rest_route=\/wp\/v2\/media\/50225"}],"wp:attachment":[{"href":"https:\/\/mecra.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=50224"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mecra.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=50224"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mecra.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=50224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}