Prezident \u0130lham \u018fliyevin Az\u0259rbaycanda fiziki \u015f\u0259xsl\u0259rin problemli kreditl\u0259rinin h\u0259lli il\u0259 ba\u011fl\u0131 \u0259lav\u0259 t\u0259dbirl\u0259r haqq\u0131nda f\u0259rman\u0131na \u0259sas\u0259n g\u00fcz\u0259\u015ft 10 000 AB\u015e dollar\u0131na q\u0259d\u0259r olan borclara aid olacaq.<\/p>\n
Bu s\u00f6zl\u0259ri iqtisad\u00e7\u0131 ekspert R\u00f6v\u015f\u0259n A\u011fayev deyib.<\/p>\n
Ekspert bildirib ki, g\u00fcz\u0259\u015ft yaln\u0131z 2015-ci ilin 21 fevral v\u0259 21 dekabr devalvasiya q\u0259rarlar\u0131 n\u0259tic\u0259sind\u0259 artm\u0131\u015f m\u0259bl\u0259\u011fl\u0259rin kompensasiyas\u0131 il\u0259 ba\u011fl\u0131 olacaq.<\/p>\n
“G\u00fcz\u0259\u015ft \u00fc\u00e7\u00fcn ba\u015flan\u011f\u0131c tarix 2012-ci ilin yanvar\u0131n 1-i, son tarix bu g\u00fcn – 2019-cu ilin 28 fevral\u0131 g\u00f6t\u00fcr\u00fcl\u00fcr. V\u0259t\u0259nda\u015flar\u0131n 10 000 dollara q\u0259d\u0259r kreditl\u0259rin\u0259 g\u00f6r\u0259 hesablanm\u0131\u015f b\u00fct\u00fcn faiz borclar\u0131 silin\u0259c\u0259k. 2012-ci il yanvar\u0131n 1-d\u0259n 2015-ci il 21 fevralad\u0259k olan kredit borclar\u0131n\u0131n h\u0259r dollar\u0131 \u00fc\u00e7\u00fcn d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n 25 q\u0259pik d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n \u00f6d\u0259nil\u0259c\u0259k. 2015-ci il 21 fevral\u0131ndan 21 dekabr\u0131nad\u0259k veril\u0259n dollar kreditl\u0259rinin h\u0259r dollar\u0131 \u00fc\u00e7\u00fcn 60 q\u0259pik d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n \u00f6d\u0259nil\u0259c\u0259k.<\/p>\n
D\u00f6vl\u0259t b\u00fcdc\u0259si hesab\u0131na bu sxem \u00fczr\u0259 kompensasiya \u00f6d\u0259ni\u015f m\u00fcdd\u0259ti 360 g\u00fcn\u00fc \u00f6td\u00fcy\u00fc halda banklara \u00f6d\u0259nir, \u0259g\u0259r h\u0259min m\u00fcdd\u0259ti ke\u00e7m\u0259yibs\u0259 bilavasit\u0259 v\u0259t\u0259nda\u015f\u0131n \u00f6z\u00fcn\u0259 \u00e7atd\u0131rl\u0131r. Devalvasiya n\u0259tic\u0259sind\u0259 borcun artan hiss\u0259si v\u0259 hesablanm\u0131\u015f faiz hiss\u0259si d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n \u00f6d\u0259ndikd\u0259n sonra yerd\u0259 qalan hiss\u0259 restruktruzasiya edil\u0259c\u0259k – y\u0259ni \u015f\u0259rtl\u0259r d\u0259yi\u015fdiril\u0259c\u0259k. M\u0259s\u0259l\u0259n, 2015-c\u00fc ilin yanvar\u0131nda v\u0259t\u0259nda\u015f 0.78 manat m\u0259z\u0259nn\u0259 il\u0259 5000 dollar borc g\u00f6t\u00fcr\u00fcb. H\u0259min tarix \u00fc\u00e7\u00fcn onun manatla borcu 3950 manat olmu\u015fdusa, 21 dekabr 2015-ci ild\u0259 art\u0131q 7750 manat olub. Bel\u0259 v\u0259ziyy\u0259td\u0259 m\u0259z\u0259nn\u0259 d\u0259yi\u015fikliyi n\u0259tic\u0259sind\u0259 z\u0259r\u0259ri qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn 5000 dollara g\u00f6r\u0259 3000 manat (h\u0259r dollar \u00fc\u00e7\u00fcn 60 q\u0259pik) b\u00fcdc\u0259 kompensasiyas\u0131 \u00f6d\u0259nil\u0259c\u0259k”.<\/p>\n
Ekspert bildirib ki, devalvasiya n\u0259tic\u0259sind\u0259 artan hiss\u0259 \u00f6d\u0259ndikd\u0259n sonra yerd\u0259 qalan borclar\u0131 \u00f6d\u0259m\u0259k \u00fc\u00e7\u00fcn v\u0259t\u0259nda\u015flara manatla yenid\u0259n hesablanm\u0131\u015f borclar\u0131 \u00f6dm\u0259k \u00fc\u00e7\u00fcn 1 il g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti olmaqla 5 illiy\u0259 illik 1%-l\u0259 banklar t\u0259r\u0259find\u0259n kredit x\u0259tti a\u00e7\u0131lacaq. Bu m\u0259qs\u0259dl\u0259 M\u0259rk\u0259zi Bank da banklara illik 0.5%-l\u0259 \u00fcmumi h\u0259cmi 682 mln. manat kredit x\u0259tti a\u00e7mas\u0131 n\u0259z\u0259rd\u0259 tutulur.<\/p>\n
Prezidentin bu f\u0259rman\u0131 \u0259sas borcu 10 min dollara q\u0259d\u0259r olan kreditl\u0259r\u0259 \u015famil edilir v\u0259 bir n\u0259f\u0259r\u0259 \u00fcmumi yard\u0131m\u0131n m\u0259bl\u0259\u011fi 5 min dollar\u0131 ke\u00e7m\u0259y\u0259c\u0259k.<\/p>\n
Bu s\u00f6zl\u0259ri\u00a0Axar.az-a Prezident \u0130lham \u018fliyevin fiziki \u015f\u0259xsl\u0259rin problemli kreditl\u0259rinin h\u0259lli il\u0259 ba\u011fl\u0131 \u0259lav\u0259 t\u0259dbirl\u0259r haqq\u0131nda f\u0259rman\u0131n\u0131 \u015f\u0259rh ed\u0259n iqtisad\u00e7\u0131 Natiq C\u0259f\u0259rli deyib. O bildirib ki, ilkin olaraq f\u0259rman ancaq fiziki \u015f\u0259xsl\u0259r\u0259 v\u0259 dollarla krediti olan \u015f\u0259xsl\u0259r\u0259 aid edilir:<\/p>\n
“Bu f\u0259rman ancaq devalvasiya n\u0259tic\u0259sind\u0259 d\u0259ymi\u015f ziyan\u0131n \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 d\u00f6vl\u0259tin \u00f6z \u00fcz\u0259rin\u0259 m\u00fc\u0259yy\u0259n \u00f6hd\u0259lik g\u00f6t\u00fcrm\u0259sidir. Formul olaraq iki \u0259sas ana x\u0259tt var. Birincisi, kreditl\u0259rin ana m\u0259bl\u0259\u011fi, y\u0259ni ilkin g\u00f6t\u00fcr\u00fclm\u00fc\u015f m\u0259bl\u0259\u011f 10 min dollardan \u00e7ox olmayan kreditl\u0259r\u0259 aid edilir. Y\u0259ni f\u0259rman 10 min dollara q\u0259d\u0259r kredit g\u00f6t\u00fcrm\u00fc\u015f v\u0259t\u0259nda\u015flara aid edilir. \u0130kincisi, \u00f6d\u0259nil\u0259c\u0259k yard\u0131m\u0131n – d\u0259ymi\u015f ziyan\u0131n kompensasiyas\u0131 da 5 min dollar\u0131 ke\u00e7m\u0259m\u0259lidir. Y\u0259ni f\u0259rman g\u00f6t\u00fcrd\u00fcy\u00fc kreditin m\u0259bl\u0259\u011fi – \u0259sas borcu – 10 min dollardan yuxar\u0131 olan v\u0259t\u0259nda\u015flara aid edilmir v\u0259 borclar\u0131n faizl\u0259rl\u0259 5 min dollarl\u0131q hiss\u0259si d\u00f6vl\u0259t t\u0259r\u0259find\u0259n \u00f6d\u0259nilir. Formul olaraq 0,78 – 0,79 m\u0259z\u0259nn\u0259 il\u0259 g\u00f6t\u00fcr\u00fcl\u0259n kreditl\u0259r xat\u0131rlay\u0131rs\u0131n\u0131zsa, birinci devalvasiyaya q\u0259d\u0259r 1,05 q\u0259pik oldu. Bunun da ana borcu qal\u0131b, y\u0259ni g\u00f6t\u00fcr\u00fcl\u0259n ana borc 0,78 m\u0259z\u0259n\u0259 il\u0259 \u00f6d\u0259nilm\u0259lidir. Ancaq devalvasiya n\u0259tic\u0259sind\u0259 manatla artan borc t\u0259qrib\u0259n 25 q\u0259pik olub. Bu 25 q\u0259pik d\u00f6vl\u0259t t\u0259r\u0259find\u0259n \u00f6d\u0259nil\u0259c\u0259k”.<\/p>\n
Ekspert birinci devalvasiyadan sonra, ikinci devalvasiyaya q\u0259d\u0259r olan kredit borclar\u0131na da ayd\u0131nl\u0131q g\u0259tirib:<\/p>\n
“Bu zaman r\u0259smi m\u0259z\u0259nn\u0259 1,55 q\u0259pik oldu. Birinci devalvasiya il\u0259 ikinci devalvasiya aras\u0131nda 10 min dollara q\u0259d\u0259r kredit g\u00f6t\u00fcrm\u00fc\u015f v\u0259t\u0259nda\u015flar\u0131n m\u0259z\u0259nn\u0259 f\u0259rqi – y\u0259ni 60 q\u0259piyi yen\u0259 d\u00f6vl\u0259t t\u0259r\u0259find\u0259n \u00f6d\u0259nil\u0259c\u0259k. Y\u0259ni ana borc 1,05 q\u0259pikd\u0259n \u00f6d\u0259nil\u0259c\u0259k, m\u0259z\u0259nn\u0259d\u0259n yaranan borc – 60 q\u0259piklik hiss\u0259ni is\u0259 d\u00f6vl\u0259t \u00f6z \u00fcz\u0259rin\u0259 g\u00f6t\u00fcr\u0259c\u0259k. Ancaq burada yen\u0259 v\u0259t\u0259nda\u015fa edil\u0259c\u0259k yard\u0131m\u0131n m\u0259bl\u0259\u011fi 5 min dollar\u0131 ke\u00e7m\u0259m\u0259lidir. Bunun \u00fc\u00e7\u00fcn d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n v\u0259t\u0259nda\u015flar\u0131n borclar\u0131n\u0131 \u00f6d\u0259m\u0259k \u00fc\u00e7\u00fcn banklara v\u0259 kredit t\u0259\u015fkilatlar\u0131na t\u0259qrib\u0259n 900 milyon manata yax\u0131n v\u0259sait ayr\u0131lacaq. Bu borc yaln\u0131z fiziki \u015f\u0259xsl\u0259r\u0259, 1 v\u0259 2-ci devalvasiyadan sonra valyuta il\u0259 g\u00f6t\u00fcr\u00fclm\u00fc\u015f kreditl\u0259r\u0259 aid edil\u0259c\u0259k. \u0130kinci devalvasiyadan sonra valyuta il\u0259 g\u00f6t\u00fcr\u00fclm\u00fc\u015f kreditl\u0259r\u0259 is\u0259 bu f\u0259rman aid edilmir. Y\u0259ni ikinci devalvasiyadan sonra kredit g\u00f6t\u00fcr\u0259nl\u0259r borclar\u0131n\u0131 h\u0259min m\u0259z\u0259nn\u0259 il\u0259 v\u0259 indiki \u015f\u0259rtl\u0259rl\u0259 d\u0259 geri qaytaracaq”.<\/p>\n","protected":false},"excerpt":{"rendered":"
Prezident \u0130lham \u018fliyevin Az\u0259rbaycanda fiziki \u015f\u0259xsl\u0259rin problemli kreditl\u0259rinin h\u0259lli il\u0259 ba\u011fl\u0131 \u0259lav\u0259 t\u0259dbirl\u0259r haqq\u0131nda f\u0259rman\u0131na \u0259sas\u0259n g\u00fcz\u0259\u015ft 10 000 AB\u015e dollar\u0131na q\u0259d\u0259r olan borclara aid olacaq. Bu s\u00f6zl\u0259ri iqtisad\u00e7\u0131 ekspert…<\/p>\n","protected":false},"author":2,"featured_media":11380,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25,24,7,1],"tags":[],"class_list":["post-11379","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundm","category-manset","category-sosial","category-xbr-xtti"],"_links":{"self":[{"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts\/11379","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11379"}],"version-history":[{"count":1,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts\/11379\/revisions"}],"predecessor-version":[{"id":11381,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts\/11379\/revisions\/11381"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/media\/11380"}],"wp:attachment":[{"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11379"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}