T\u0259hsil kreditl\u0259ri Az\u0259rbaycan Respublikas\u0131n\u0131n ali t\u0259hsil m\u00fc\u0259ssis\u0259l\u0259rind\u0259 v\u0259 m\u00fcvafiq icra hakimiyy\u0259ti orqan\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi elmi t\u0259\u015fkilatlara t\u0259hsil haqq\u0131n\u0131 v\u0259 t\u0259hsil ald\u0131\u011f\u0131 m\u00fcdd\u0259td\u0259 t\u0259hsill\u0259 \u0259laq\u0259dar x\u0259rcl\u0259rin tam \u00f6d\u0259nilm\u0259si (ya\u015fay\u0131\u015f yerinin kiray\u0259si, yem\u0259k, t\u0259dris materiallar\u0131, n\u0259qliyyat x\u0259rcl\u0259ri v\u0259 s) \u00fc\u00e7\u00fcn veril\u0259c\u0259k.<\/p>\n
Bu, \u201cAli t\u0259hsil haqq\u0131nda\u201d qanun layih\u0259sinin ilkin versiyas\u0131nda \u0259ksini tap\u0131b.<\/p>\n
Qeyd olunub ki, t\u0259hsil kreditl\u0259rinin m\u0259nb\u0259l\u0259ri d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n ayr\u0131lan v\u0259sait, banklar t\u0259r\u0259find\u0259n ayr\u0131lan \u00f6z v\u0259saitl\u0259ri, i\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259r t\u0259r\u0259find\u0259n ayr\u0131lan v\u0259sait, beyn\u0259lxalq maliyy\u0259 qurumlar\u0131n\u0131n m\u0259nb\u0259l\u0259rind\u0259n, z\u0259man\u0259t veril\u0259n kredit t\u0259\u015fkilatlar\u0131n\u0131n m\u0259nb\u0259l\u0259rind\u0259n ayr\u0131lan v\u0259sait, qanunvericilikd\u0259 qada\u011fan edilm\u0259y\u0259n dig\u0259r m\u0259nb\u0259l\u0259rd\u0259n \u00a0ayr\u0131lan v\u0259saitdir.<\/p>\n
Layih\u0259y\u0259 \u0259sas\u0259n, t\u0259hsil kreditl\u0259rinin verilm\u0259si m\u00fcvafiq icra hakimiyy\u0259ti orqan\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi orqan (qurum) t\u0259r\u0259find\u0259n h\u0259yata ke\u00e7irilir. T\u0259hsil kreditinin m\u0259bl\u0259\u011fi v\u0259 verilm\u0259si qaydalar\u0131 m\u00fcvafiq icra hakimiyy\u0259ti orqan\u0131 t\u0259r\u0259find\u0259n h\u0259r t\u0259dris ili \u00fc\u00e7\u00fcn illik t\u0259hsil haqq\u0131 v\u0259 t\u0259hsill\u0259 \u0259laq\u0259dar x\u0259rcl\u0259rin tam \u00f6d\u0259nilm\u0259si (ya\u015fay\u0131\u015f yerinin kiray\u0259si, yem\u0259k, t\u0259dris materiallar\u0131, n\u0259qliyyat x\u0259rcl\u0259ri v\u0259 s.) m\u0259qs\u0259di il\u0259 d\u0259 veril\u0259 bil\u0259r.<\/p>\n
T\u0259hsilalanlar\u0131n t\u0259hsill\u0259 \u0259laq\u0259dar x\u0259rcl\u0259rinin tam \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn t\u0259hsil kreditinin orta ayl\u0131q m\u0259bl\u0259\u011fi h\u0259r t\u0259dris ilin\u0259 g\u00f6r\u0259 inflyasiya v\u0259 indeksasiya n\u0259z\u0259r\u0259 al\u0131nmaqla m\u00fcvafiq icra hakimiyy\u0259ti orqan\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi orqan (qurum) t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edilir.<\/p>\n
Qeyd olunur ki, t\u0259dris ilinin ba\u015flamas\u0131ndan 5 i\u015f g\u00fcn\u00fcnd\u0259n gec olmayaraq t\u0259hsil krediti verilm\u0259si \u00fc\u00e7\u00fcn m\u00fcvafiq icra hakimiyy\u0259ti orqan\u0131 t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edilmi\u015f qurum t\u0259r\u0259find\u0259n m\u00fcsabiq\u0259 elan edilir. T\u0259hsil krediti almaq \u00fc\u00e7\u00fcn t\u0259hsialanlar\u0131n m\u00fcraci\u0259ti 5 i\u015f g\u00fcn\u00fcnd\u0259n gec olmayaraq qanunvericilikl\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f t\u0259l\u0259bl\u0259r v\u0259 qiym\u0259tl\u0259ndirm\u0259 meyarlar\u0131 \u0259sas\u0131nda t\u0259hlil edil\u0259r\u0259k ekspertizadan ke\u00e7irilir. Kreditin verilib-verilm\u0259m\u0259si \u00a0bar\u0259d\u0259 q\u0259rar v\u0259 m\u00fcv\u0259kkil banklar\u0131n siyah\u0131s\u0131 yaz\u0131l\u0131 formada m\u00fcraci\u0259t etmi\u015f t\u0259hsilalana bildirilir, h\u0259m\u00e7inin q\u0259rar r\u0259smi saytda yerl\u0259\u015fdirilir.<\/p>\n
T\u0259hsilalanlar t\u0259hsil kreditinin istifad\u0259si v\u0259 qaytar\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 h\u00fcquq v\u0259 v\u0259zif\u0259l\u0259ri t\u0259nziml\u0259y\u0259n \u00a0t\u0259hsil krediti \u00a0m\u00fcqavil\u0259si ba\u011flan\u0131l\u0131r. T\u0259hsialan t\u0259hsil krediti \u00fczr\u0259 hesablanan faizi \u00a0t\u0259hsil krediti m\u00fcqavil\u0259sind\u0259 g\u00f6st\u0259rilmi\u015f faizl\u0259 \u00f6d\u0259yir. Kreditin qaytar\u0131lma m\u00fcdd\u0259ti kreditin istifad\u0259 m\u00fcdd\u0259tinin iki d\u0259f\u0259sind\u0259n \u00a0az v\u0259 20 \u00a0ild\u0259n \u00e7ox ola bilm\u0259z. T\u0259hsialan t\u0259hsil kreditini m\u00fc\u0259yy\u0259n edilmi\u015f m\u00fcdd\u0259td\u0259n \u0259vv\u0259l d\u0259 qaytara bil\u0259r v\u0259 bu halda krediti qaytard\u0131\u011f\u0131 g\u00fcnd\u0259n sonrak\u0131 d\u00f6vr\u0259 hesablanm\u0131\u015f faizl\u0259ri \u00f6d\u0259m\u0259kd\u0259n azadd\u0131r.<\/p>\n
T\u0259hsil krediti t\u0259hsilalanla ba\u011flanm\u0131\u015f m\u00fcqavil\u0259 \u0259sas\u0131nda onun t\u0259hsil ald\u0131\u011f\u0131 m\u00fc\u0259ssis\u0259 vasit\u0259sil\u0259 \u00f6d\u0259nilir. T\u0259hsilini ba\u015fa vuran v\u0259 6 ay m\u00fcdd\u0259tind\u0259n gec olmayaraq i\u015f\u0259 ba\u015flamaq \u00fc\u00e7\u00fcn \u0259m\u0259k m\u00fcqavil\u0259si ba\u011flayan \u00a0m\u0259zuna onun m\u00fcraci\u0259ti \u0259sas\u0131nda t\u0259hsil kreditinin qaytar\u0131lmas\u0131 \u00fc\u00e7\u00fcn \u0259lav\u0259 m\u00fcdd\u0259t v\u0259 g\u00fcz\u0259\u015ft t\u0259tbiq edil\u0259 bil\u0259r.<\/p>\n
T\u0259hsil krediti alm\u0131\u015f t\u0259hsilalan h\u0259qiqi h\u0259rbi xidm\u0259td\u0259, anal\u0131q m\u0259zuniyy\u0259tind\u0259 oldu\u011fu v\u0259 m\u00fcv\u0259qq\u0259ti \u0259m\u0259k qabiliyy\u0259tini itirdiyi (a\u011f\u0131r x\u0259st\u0259 oldu\u011fu) m\u00fcdd\u0259td\u0259 ona kreditin \u00f6d\u0259nilm\u0259sind\u0259 \u0259lav\u0259 m\u00f6hl\u0259t verilir.<\/p>\n
Qanun layih\u0259sin\u0259 g\u00f6r\u0259, m\u00fcvafiq icra hakimiyy\u0259ti orqan\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi qaydalara uy\u011fun olaraq bir d\u0259f\u0259 t\u0259hsil krediti almaq h\u00fcququndan istifad\u0259 etmi\u015f t\u0259hsilalanlar\u0131n \u00a0ikinci d\u0259f\u0259 t\u0259hsil krediti almaq h\u00fcququ yoxdur.<\/p>\n
T\u0259hsilalan ali t\u0259hsil m\u00fc\u0259ssis\u0259sind\u0259 t\u0259hsil m\u00fcdd\u0259ti bitdikd\u0259n sonra \u0259m\u0259k f\u0259aliyy\u0259tin\u0259 ba\u015flam\u0131\u015fd\u0131rsa, qanunvericilikl\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f m\u00fcdd\u0259td\u0259n ba\u015flayaraq v\u0259 ya 2 ild\u0259n gec olmayaraq kredit borcunu \u00f6d\u0259m\u0259y\u0259 ba\u015flamal\u0131d\u0131r.<\/p>\n
T\u0259hsil krediti \u00fczr\u0259 faizl\u0259r t\u0259hsil m\u00fcdd\u0259ti v\u0259 t\u0259hsili ba\u015fa vurduqdan sonrak\u0131 2 il \u00fc\u00e7\u00fcn hesablanm\u0131r. Bu faizl\u0259r b\u00fcdc\u0259 v\u0259saitl\u0259ri hesab\u0131na \u00f6d\u0259nilir.<\/p>\n
T\u0259hsil krediti \u00fczr\u0259 faizl\u0259r h\u0259r ay \u00fcmumi t\u0259hsil krediti m\u0259bl\u0259\u011finin qal\u0131\u011f\u0131ndan (\u00f6d\u0259nilm\u0259mi\u015f m\u0259bl\u0259\u011find\u0259n) hesablan\u0131r.<\/p>\n
T\u0259hsil m\u00fcdd\u0259tind\u0259 \u0259la\u00e7\u0131 olmu\u015f, t\u0259hsild\u0259 bir il itirm\u0259y\u0259n t\u0259hsilalan m\u00fcvafiq icra hakimiyy\u0259ti orqan\u0131n\u0131n q\u0259rar\u0131 il\u0259 istifad\u0259 etdiyi t\u0259hsil kreditini v\u0259 ya onun bir hiss\u0259sini \u00f6d\u0259m\u0259k \u00f6hd\u0259liyind\u0259n azad edilir.<\/p>\n
Beyn\u0259lxalq olimpiada, m\u00fcsabiq\u0259 (inc\u0259s\u0259n\u0259t\u0259 aid ixtisaslar \u00fczr\u0259 t\u0259hsil ald\u0131qda) v\u0259 yar\u0131\u015flarda (idman sah\u0259sind\u0259 t\u0259hsil ald\u0131qda) ilk \u00fc\u00e7 yerd\u0259n birini qazanan, t\u0259hsil m\u00fcdd\u0259tind\u0259 davaml\u0131 olaraq \u0259la, \u00fcmumi u\u011fur qazanm\u0131\u015f, bu qanunla m\u00fc\u0259yy\u0259n edilmi\u015f \u015f\u0259rtl\u0259r daxilind\u0259 son d\u0259r\u0259c\u0259 istedadl\u0131 t\u0259hsilalanlara t\u0259hsil kreditl\u0259ri \u0259v\u0259zsiz verilir.<\/p>\n
T\u0259hsil krediti t\u0259hsilalana ali t\u0259hsilin b\u00fct\u00fcn s\u0259viyy\u0259l\u0259rind\u0259 t\u0259hsilini davam etdirm\u0259k \u00fc\u00e7\u00fcn ard\u0131c\u0131l sur\u0259td\u0259 veril\u0259 bil\u0259r.<\/p>\n
T\u0259hsilalan t\u0259hsil krediti m\u00fcqavil\u0259sinin q\u00fcvv\u0259d\u0259 oldu\u011fu m\u00fcdd\u0259td\u0259 t\u0259hsil m\u00fc\u0259ssis\u0259sind\u0259n xaric edildikd\u0259, ald\u0131\u011f\u0131 kreditin v\u0259 kredit\u0259 hesablanm\u0131\u015f faizl\u0259rin t\u0259hsil krediti m\u00fcqavil\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f m\u00fcdd\u0259td\u0259n \u0259vv\u0259l qaytar\u0131lmas\u0131 ondan t\u0259l\u0259b edil\u0259 bil\u0259r.<\/p>\n
T\u0259hsil kreditl\u0259rinin qeydiyyat\u0131 m\u0259qs\u0259di il\u0259 T\u0259hsil Krediti Reyestri yarad\u0131l\u0131r v\u0259 \u201cT\u0259hsil M\u0259rk\u0259zl\u0259\u015fdirilmi\u015f \u0130nformasiya Sistemi\u201dn\u0259 qo\u015fulur.<\/p>\n
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Maraql\u0131 x\u0259b\u0259rl\u0259ri\u00a0Mediazona.az<\/span>\u00a0Facebook s\u0259hif\u0259mizd\u0259n izl\u0259yin. T\u0259hsil kreditl\u0259ri Az\u0259rbaycan Respublikas\u0131n\u0131n ali t\u0259hsil m\u00fc\u0259ssis\u0259l\u0259rind\u0259 v\u0259 m\u00fcvafiq icra hakimiyy\u0259ti orqan\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi elmi t\u0259\u015fkilatlara t\u0259hsil haqq\u0131n\u0131 v\u0259 t\u0259hsil ald\u0131\u011f\u0131 m\u00fcdd\u0259td\u0259 t\u0259hsill\u0259 \u0259laq\u0259dar x\u0259rcl\u0259rin tam \u00f6d\u0259nilm\u0259si (ya\u015fay\u0131\u015f yerinin kiray\u0259si,…<\/p>\n","protected":false},"author":2,"featured_media":17068,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,1],"tags":[],"class_list":["post-17067","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thsil","category-xbr-xtti"],"_links":{"self":[{"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts\/17067","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=17067"}],"version-history":[{"count":1,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts\/17067\/revisions"}],"predecessor-version":[{"id":17069,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/posts\/17067\/revisions\/17069"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=\/wp\/v2\/media\/17068"}],"wp:attachment":[{"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17067"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17067"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mediazona.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17067"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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\nD\u0130QQ\u018fT! \u015eikay\u0259t v\u0259 t\u0259klifl\u0259riniz, g\u00f6rd\u00fcy\u00fcn\u00fcz ve e\u015fitdiyiniz h\u0259r hans\u0131 bir maraql\u0131 m\u0259lumat\u0131 bu n\u00f6mr\u0259y\u0259 g\u00f6nd\u0259rin 055 461 71 21 WHATSAPP<\/p>\n","protected":false},"excerpt":{"rendered":"