{"id":14723,"date":"2023-08-15T07:00:00","date_gmt":"2023-08-15T04:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=14723"},"modified":"2023-08-14T23:05:59","modified_gmt":"2023-08-14T20:05:59","slug":"tarixc%c9%99d%c9%99-gecikm%c9%99-gunl%c9%99rinin-olmasi-s%c9%99xsin-kredit%c9%99-cixis-imkanlarini-m%c9%99hdudlasdirmir","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=14723","title":{"rendered":"\u201cTarix\u00e7\u0259d\u0259 gecikm\u0259 g\u00fcnl\u0259rinin olmas\u0131 \u015f\u0259xsin kredit\u0259 \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131 m\u0259hdudla\u015fd\u0131rm\u0131r\u201d"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>\u201cTarix\u00e7\u0259d\u0259 gecikm\u0259 g\u00fcnl\u0259rinin olmas\u0131 \u015f\u0259xsin kredit\u0259 \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131 m\u0259hdudla\u015fd\u0131rm\u0131r\u201d<\/strong><\/p>\n\n\n\n<p><em>Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n son hesabat\u0131na \u0259sas\u0259n, bu ilin iyun ay\u0131nda problemli kreditl\u0259rin h\u0259cmi may ay\u0131na nixb\u0259t\u0259n 2,5% art\u0131b. Bu il iyulun 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin m\u0259bl\u0259\u011fi 502,3 milyon manat t\u0259\u015fkil edib. Ancaq bu r\u0259q\u0259m ilin \u0259vv\u0259li il\u0259 m\u00fcqayis\u0259d\u0259 15,4%, son 1 ild\u0259 is\u0259 24% azal\u0131b. Burada v\u0259t\u0259nda\u015flar\u0131n kredit tarix\u00e7\u0259l\u0259ri il\u0259 ba\u011fl\u0131 m\u0259lumatlar\u0131n maliyy\u0259 qurumlar\u0131na a\u00e7\u0131q olmas\u0131n\u0131n rolu dan\u0131lmazd\u0131r. B\u0259s kredit tarix\u00e7\u0259sinin pisl\u0259\u015fm\u0259sind\u0259n nec\u0259 yan ke\u00e7m\u0259k olar? Bununla ba\u011fl\u0131 kiml\u0259r\u0259 g\u00fcz\u0259\u015ft edilir? Bu v\u0259 dig\u0259r suallar\u0131n\u0131 Az\u0259rbaycan Kredit B\u00fcrosunun ba\u015f direktor m\u00fcavini <strong>Seymur H\u0259s\u0259nov<\/strong> cavabland\u0131r\u0131b<\/em>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/seymur.jpg\" alt=\"\" class=\"wp-image-14724\" width=\"444\" height=\"353\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/seymur.jpg 793w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/seymur-300x238.jpg 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/seymur-768x610.jpg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/08\/seymur-360x286.jpg 360w\" sizes=\"(max-width: 444px) 100vw, 444px\" \/><\/figure><\/div>\n\n\n<ul>\n<li><strong>Seymur m\u00fc\u0259llim, banklar\u0131n kredit riskl\u0259rinin minimalla\u015fd\u0131r\u0131lmas\u0131 y\u00f6n\u00fcnd\u0259 Az\u0259rbaycan Kredit B\u00fcrosunun (B\u00fcro) bank sektorundak\u0131 rolunu nec\u0259 d\u0259y\u0259rl\u0259ndirirsiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Banklar \u00f6z potensial m\u00fc\u015ft\u0259ril\u0259rinin \u00f6d\u0259m\u0259 qabiliyy\u0259tini qiym\u0259tl\u0259ndirm\u0259k v\u0259 d\u00fczg\u00fcn kredit q\u0259rarlar\u0131 q\u0259bul etm\u0259k \u00fc\u00e7\u00fcn bir s\u0131ra m\u0259lumatlara sahib olmal\u0131d\u0131rlar. B\u00fcro m\u0259lumat t\u0259chizat\u00e7\u0131lar\u0131ndan toplad\u0131\u011f\u0131 m\u0259lumatlar\u0131 kredit hesabat\u0131 formas\u0131nda t\u0259rtib edir, t\u0259hlilini apar\u0131r v\u0259 istifad\u0259\u00e7il\u0259rin sor\u011fusu \u0259sas\u0131nda onlara t\u0259qdim edir. B\u00fcro borcalan\u0131n maliyy\u0259 \u00f6hd\u0259likl\u0259ri bar\u0259d\u0259 \u0259n d\u0259qiq v\u0259 son m\u0259lumatlardan istifad\u0259 ed\u0259r\u0259k kredit t\u0259\u015fkilatlar\u0131n\u0131 etibarl\u0131 m\u0259lumatlarla t\u0259chiz edir v\u0259 bel\u0259likl\u0259, maliyy\u0259 assimetriyas\u0131n\u0131 azaltmaqla kredit riskl\u0259rinin azald\u0131lmas\u0131na xidm\u0259t edir. Bununla da B\u00fcro kredit q\u0259rarlar\u0131n\u0131n q\u0259bul edilm\u0259si prosesinin \u0259n \u0259h\u0259miyy\u0259tli hiss\u0259si olmaqla maliyy\u0259 v\u0259 bank sektorunun inki\u015faf\u0131nda m\u00fch\u00fcm rol oynay\u0131r.<\/p>\n\n\n\n<ul>\n<li><strong>Az\u0259rbaycan Kredit B\u00fcrosu ne\u00e7\u0259 t\u0259\u015fkilatla t\u0259r\u0259fda\u015fl\u0131q edir?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>B\u00fcro 2018-ci ild\u0259 f\u0259aliyy\u0259t\u0259 ba\u015flay\u0131b v\u0259 ilk olaraq yaln\u0131z bank v\u0259 bank olmayan kredit t\u0259\u015fkilatlar\u0131 il\u0259 m\u0259lumat m\u00fcbadil\u0259si h\u0259yata ke\u00e7ir\u0131b. N\u00f6vb\u0259ti d\u00f6vrl\u0259rd\u0259 B\u00fcro t\u0259r\u0259find\u0259n apar\u0131lan marifl\u0259ndirm\u0259 t\u0259dbirl\u0259ri n\u0259tic\u0259sind\u0259 t\u0259r\u0259fda\u015f t\u0259\u015fkilatlar\u0131n say\u0131 art\u0131b. 2023-c\u00fc il iyulun 1-n\u0259 olan m\u0259lumata g\u00f6r\u0259, B\u00fcro \u00fcmumilikd\u0259 219 t\u0259\u015fkilat il\u0259 m\u0259lumat m\u00fcbadil\u0259si h\u0259yata ke\u00e7irm\u0259kd\u0259dir. Bu t\u0259\u015fkilatlara \u00f6lk\u0259d\u0259 fa\u0259liyy\u0259t g\u00f6st\u0259r\u0259n b\u00fct\u00fcn n\u00f6v maliyy\u0259 institutlar\u0131 il\u0259 yana\u015f\u0131 Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131, Az\u0259rbaycan Respublikas\u0131n\u0131n \u018fdliyy\u0259 Nazirliyi, Az\u0259rbaycan Respublikas\u0131n\u0131n \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu daxildir.<\/p>\n\n\n\n<ul>\n<li><strong>V\u0259t\u0259nda\u015f\u0131n kredit tarix\u00e7\u0259si hans\u0131 halda pisl\u0259\u015fmi\u015f say\u0131l\u0131r?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Kredit \u00fc\u00e7\u00fcn t\u0259\u015fkilata yax\u0131nla\u015fan \u015f\u0259xsin m\u00fcraci\u0259ti il\u0259 ba\u011fl\u0131 q\u0259rar m\u00fcsb\u0259t oldu\u011fu halda borc\/kredit m\u00fcqavil\u0259si ba\u011flan\u0131r. M\u00fcvafiq m\u00fcqavil\u0259d\u0259 kreditin b\u00fct\u00fcn dig\u0259r \u015f\u0259rtl\u0259ri il\u0259 yana\u015f\u0131 \u00f6z\u00fcnd\u0259 geri \u00f6d\u0259ni\u015f \u015f\u0259rtl\u0259ri v\u0259 tarixl\u0259rini \u0259ks etdir\u0259n \u00f6d\u0259ni\u015f qrafiki d\u0259 yer al\u0131r. M\u00fcvafiq \u00f6d\u0259ni\u015f qrafikind\u0259 qeyd edil\u0259n tarixl\u0259rd\u0259 v\u0259 m\u0259bl\u0259\u011fd\u0259 \u00f6d\u0259ni\u015fl\u0259ri aparmad\u0131qda, y\u0259ni m\u00fcqavil\u0259nin \u00f6d\u0259ni\u015f qrafikind\u0259n k\u0259narla\u015fd\u0131qda borc ver\u0259n t\u0259\u015fkilat t\u0259r\u0259find\u0259n \u015f\u0259xs\u0259 gecikm\u0259 g\u00fcnl\u0259ri hesablanma\u011fa ba\u015flay\u0131r. M\u00fcvafiq gecikm\u0259 g\u00fcnl\u0259rinin hesablanmas\u0131 m\u00fc\u015ft\u0259rinin \u00f6d\u0259ni\u015f qrafiki \u00fczr\u0259 z\u0259ruri \u00f6d\u0259ni\u015fini tam ed\u0259n ana q\u0259d\u0259r hesablan\u0131r v\u0259 t\u0259\u015fkilat\u0131n sistemind\u0259 qeyd edilir. Daha sonra borcun \u00f6d\u0259ni\u015f t\u0259rzini \u0259ks etdir\u0259n tarix\u00e7\u0259 (pozitiv v\u0259 neqativ m\u0259lumatlar) \u201cKredit b\u00fcrolar\u0131 haqq\u0131nda\u201d Qanunun t\u0259l\u0259bl\u0259rin\u0259 uy\u011fun olaraq ayda \u0259n az\u0131 bir d\u0259f\u0259 olmaqla B\u00fcronun m\u0259lumat bazas\u0131na t\u0259qdim olunur.<\/p>\n\n\n\n<p>T\u0259qdim olunan m\u0259lumatlar\u0131n t\u0259rkibind\u0259 gecikm\u0259 g\u00fcnl\u0259rinin m\u00f6vcudlu\u011fu \u00f6z \u0259ksini taparsa, bu m\u0259lumatlar B\u00fcronun m\u0259lumat bazas\u0131na t\u0259qdim olunan andan etibar\u0259n sor\u011fu ed\u0259n t\u0259\u015fkilatlar \u00fc\u00e7\u00fcn \u0259l\u00e7atan olur v\u0259 \u015f\u0259xsin kredit \u00f6d\u0259m\u0259 qabiliyy\u0259tinin qiym\u0259tl\u0259ndirilm\u0259si zaman\u0131 n\u0259z\u0259r\u0259 al\u0131nan \u0259sas faktorlardan biri olur.<\/p>\n\n\n\n<p>Qeyd edil\u0259nl\u0259ri n\u0259z\u0259r\u0259 alaraq, \u015f\u0259xsin \u00f6d\u0259ni\u015fl\u0259ri qrafik\u0259 uy\u011fun olaraq vaxt\u0131nda v\u0259 tam aparmas\u0131, eyni zamanda \u00f6z kredit tarix\u00e7\u0259sin\u0259 \u0259n az\u0131 ayda bir d\u0259f\u0259 olmaqla m\u00fct\u0259madi n\u0259zar\u0259t etm\u0259si t\u00f6vsiy\u0259 edilir.<\/p>\n\n\n\n<ul>\n<li><strong>Kredit tarix\u00e7\u0259sinin pisl\u0259\u015fm\u0259m\u0259si \u00fc\u00e7\u00fcn hans\u0131 halda v\u0259t\u0259nda\u015fa g\u00fcz\u0259\u015ft oluna bil\u0259r?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>B\u00fcro kredit ver\u0259n t\u0259\u015fkilatlardan g\u00fcnd\u0259lik v\u0259 ayl\u0131q \u0259saslarla borcalanlar\u0131n \u00f6d\u0259ni\u015f t\u0259rzi il\u0259 ba\u011fl\u0131 daxil olan m\u0259lumatlar\u0131 emal edir v\u0259 kredit tarix\u00e7\u0259si formas\u0131nda m\u0259lumat istifad\u0259\u00e7il\u0259ri il\u0259 payla\u015f\u0131r. Qanunun t\u0259l\u0259bl\u0259rin\u0259 m\u00fcvafiq olaraq borcalan\u0131n m\u0259lumatlar\u0131 10 il \u0259rzind\u0259 tarix\u00e7\u0259 formas\u0131nda sistemd\u0259 saxlan\u0131l\u0131r v\u0259 m\u0259lumat istifad\u0259\u00e7il\u0259rin\u0259 sor\u011fu \u0259sas\u0131nda t\u0259qdim edilir. B\u00fcroda m\u0259lumat t\u0259chizat\u00e7\u0131lar\u0131 t\u0259r\u0259find\u0259n daxil olan m\u0259lumatlar yaln\u0131z texniki emal edilir v\u0259 bu m\u0259lumatlar \u00fcz\u0259rind\u0259 h\u0259r hans\u0131 d\u0259yi\u015fiklik aparmaq B\u00fcronun s\u0259lahiyy\u0259tl\u0259ri xaricind\u0259dir.<\/p>\n\n\n\n<ul>\n<li><strong>Hans\u0131 m\u00fcdd\u0259td\u0259n v\u0259 \u015f\u0259rtl\u0259rl\u0259 kredit tarix\u00e7\u0259si normalla\u015fa bil\u0259r?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Borc m\u0259lumatlar\u0131 tarix\u00e7\u0259d\u0259 10 il \u0259rzind\u0259 icmal hesabat formas\u0131nda saxlan\u0131l\u0131r. Gecikm\u0259 g\u00fcnl\u0259rinin tarix\u00e7\u0259d\u0259 \u0259ks olunmas\u0131 il\u0259 ba\u011fl\u0131 iki ssenari m\u00f6vcuddur: Birinci ssenarid\u0259 m\u00fc\u015ft\u0259ri kredit m\u00fcqavil\u0259si aktiv oldu\u011fu m\u00fcdd\u0259td\u0259 \u00f6d\u0259ni\u015fl\u0259rind\u0259 gecikm\u0259l\u0259r\u0259 yol verir v\u0259 daha sonra, m\u00fcqavil\u0259 m\u00fcdd\u0259ti bitm\u0259mi\u015f qrafik \u00fczr\u0259 t\u0259l\u0259b olunan vaxtlarda \u00f6d\u0259ni\u015fl\u0259rini h\u0259yata ke\u00e7irir v\u0259 sonuncu \u00f6d\u0259ni\u015fini qrafik \u00fczr\u0259 vaxt\u0131nda edib borcunu ba\u011flay\u0131r. Bel\u0259 olan halda \u015f\u0259xsin tarix\u00e7\u0259sind\u0259 yaln\u0131z son 24 ay\u0131n tarix\u00e7\u0259si \u0259ks olunur v\u0259 sonuncu edilmi\u015f gecikm\u0259 g\u00fcnl\u0259ri iki ild\u0259n sonra \u015f\u0259xsin tarix\u00e7\u0259sind\u0259 \u0259ks olunmur.<br>\u0130kinci ssenarid\u0259 is\u0259 m\u00fc\u015ft\u0259ri kredit m\u00fcqavil\u0259si \u00fczr\u0259 t\u0259l\u0259b olunan sonuncu \u00f6d\u0259ni\u015f tarixind\u0259 \u00f6d\u0259ni\u015fini tam h\u0259yata ke\u00e7irmir v\u0259 gecikm\u0259 g\u00fcnl\u0259ri yaran\u0131r. Bu halda is\u0259 \u015f\u0259xsin kredit hesabat\u0131nda m\u00fcvafiq m\u0259lumat (sonuncu \u00f6d\u0259ni\u015f \u00fczr\u0259 gecikm\u0259 g\u00fcnl\u0259rinin say\u0131) 10 il m\u00fcdd\u0259tind\u0259 \u00f6z \u0259ksini tap\u0131r v\u0259 sor\u011fu \u0259sas\u0131nda m\u0259lumat istifad\u0259\u00e7il\u0259rin\u0259 t\u0259qdim edilir.<\/p>\n\n\n\n<ul>\n<li><strong>Devalvasiya v\u0259 2020-ci ild\u0259ki V\u0259t\u0259n M\u00fcharib\u0259si il\u0259 \u0259laq\u0259dar ya\u015fad\u0131\u011f\u0131 m\u0259kandan uzaqla\u015fan v\u0259 bu bar\u0259d\u0259 banklara m\u0259lumat ver\u0259n v\u0259t\u0259nda\u015flar\u0131n kredit tarix\u00e7\u0259l\u0259ri d\u0259 pisl\u0259\u015fib. B\u0259z\u0259n onlara g\u00fcz\u0259\u015ft olunmur. Bunun s\u0259b\u0259bi n\u0259dir?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>B\u00fcro t\u0259r\u0259fda\u015f t\u0259\u015fkilatlar\u0131n da d\u0259st\u0259yi il\u0259 44 g\u00fcnl\u00fck V\u0259t\u0259n m\u00fcharib\u0259sind\u0259 i\u015ftirak etmi\u015f \u015f\u0259xsl\u0259rin kredit tarix\u00e7\u0259l\u0259rind\u0259 x\u00fcsusi qeydin qoyulmas\u0131 il\u0259 ba\u011fl\u0131 ayr\u0131ca layih\u0259 h\u0259yata ke\u00e7irib. Bel\u0259 ki, m\u0259lumat t\u0259chizat\u00e7\u0131lar\u0131n\u0131n m\u00fcraci\u0259ti \u0259sas\u0131nda m\u00fcharib\u0259 i\u015ftirak\u00e7\u0131lar\u0131n\u0131n tarix\u00e7\u0259sind\u0259 x\u00fcsusi qeyd yerl\u0259\u015fdirilir v\u0259 m\u00fcvafiq qeyd \u015f\u0259xsin tarix\u00e7\u0259sini \u0259ld\u0259 ed\u0259n b\u00fct\u00fcn istifad\u0259\u00e7il\u0259r \u00fc\u00e7\u00fcn a\u00e7\u0131q olur. Bel\u0259likl\u0259, borc ver\u0259n t\u0259\u015fkilat \u015f\u0259xsi sor\u011fu ed\u0259n zaman onun V\u0259t\u0259n M\u00fcharib\u0259si i\u015ftirak\u00e7\u0131s\u0131 olmas\u0131 il\u0259 ba\u011fl\u0131 m\u0259lumat \u0259ld\u0259 edir. N\u00f6vb\u0259ti m\u0259rh\u0259l\u0259d\u0259 is\u0259 \u015f\u0259xs\u0259 kredit ayr\u0131lmas\u0131 bar\u0259d\u0259 yekun q\u0259rar kredit t\u0259\u015fkilat\u0131 t\u0259r\u0259find\u0259n verilir. El\u0259c\u0259 d\u0259 \u201cCOVID-19\u201d pandemiyas\u0131ndan \u0259ziyy\u0259t \u00e7\u0259k\u0259n v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn d\u0259 m\u00fcvafiq yana\u015fma t\u0259tbiq edilib.<\/p>\n\n\n\n<p>Devalvasiya il\u0259 ba\u011fl\u0131 olaraq yaranan gecikm\u0259 g\u00fcnl\u0259rini is\u0259 kredit tarix\u00e7\u0259sind\u0259 m\u00f6vcud olan m\u0259lumatlar \u0259sas\u0131nda m\u00fc\u0259yy\u0259n etm\u0259k m\u00fcmk\u00fcnd\u00fcr. Bel\u0259 ki, tarix\u00e7\u0259 m\u0259lumatlar\u0131nda kreditin verilm\u0259 v\u0259 bitm\u0259 tarixi il\u0259 yana\u015f\u0131, onun valyutas\u0131 da \u0259ks olunur v\u0259 kredit q\u0259rar\u0131 m\u00fct\u0259x\u0259ssis t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edilm\u0259si olduqca rahatd\u0131r. \u018flav\u0259 olaraq qeyd edilm\u0259lidir ki, h\u0259r \u00fc\u00e7 hal B\u00fcro t\u0259r\u0259find\u0259n analitik xidm\u0259tl\u0259r v\u0259 hesabatlar haz\u0131rlanark\u0259n x\u00fcsusi hal kimi n\u0259z\u0259r\u0259 al\u0131n\u0131r v\u0259 \u015f\u0259xsl\u0259r\u0259 skor hesablanark\u0259n m\u00fcvafiq gecikm\u0259 g\u00fcnl\u0259rinin m\u0259nfi t\u0259sirin\u0259 yol verilmir.<\/p>\n\n\n\n<ul>\n<li><strong>Kredit tarix\u00e7\u0259si pisl\u0259\u015f\u0259n v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn dig\u0259r alternativl\u0259r varm\u0131? Yenid\u0259n kredit g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259n \u015f\u0259xsl\u0259r h\u0259min tarix\u00e7\u0259ni nec\u0259 yax\u015f\u0131la\u015fd\u0131ra bil\u0259rl\u0259r?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u00dcmumilikd\u0259 tarix\u00e7\u0259d\u0259 gecikm\u0259 g\u00fcnl\u0259rinin olmas\u0131 \u015f\u0259xsin kredit\u0259 \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131 m\u0259hdudla\u015fd\u0131rm\u0131r. Borc ver\u0259n t\u0259\u015fkilatlar risk qiym\u0259tl\u0259ndirm\u0259si apararaq kreditin ayr\u0131l\u0131b-ayr\u0131lmamas\u0131 il\u0259 ba\u011fl\u0131 q\u0259rarlar\u0131nda s\u0259rb\u0259stdirl\u0259r. Kreditorlar bir qayda olaraq tarix\u00e7\u0259y\u0259 bax\u0131rlar v\u0259 gecikm\u0259 g\u00fcnl\u0259ri m\u00f6vcud oldu\u011fu halda da onun s\u0259b\u0259bini ara\u015fd\u0131r\u0131rlar. M\u00fcvafiq gecikm\u0259 g\u00fcnl\u0259rinin s\u0259b\u0259bi il\u0259 ba\u011fl\u0131 kredit hesabat\u0131nda x\u00fcsusi qeydin olub-olmamas\u0131na m\u00fcvafiq olaraq h\u0259r bir borc alan t\u0259\u015fkilat \u00f6z daxili siyas\u0259tini formala\u015fd\u0131r\u0131r v\u0259 m\u00fcvafiq siyas\u0259t\u0259 uy\u011fun olaraq kredit q\u0259rarlar\u0131n\u0131 q\u0259bul edir. Gecikm\u0259 g\u00fcnl\u0259rinin \u0259sass\u0131z s\u0259b\u0259bd\u0259n yaranmas\u0131 hal\u0131nda da kreditor \u00f6z daxili siyas\u0259tin\u0259 uy\u011fun olaraq m\u00fc\u015ft\u0259riy\u0259 daha a\u015fa\u011f\u0131 m\u0259bl\u0259\u011fli kredit t\u0259klif ed\u0259 bil\u0259r v\u0259 bu zaman \u00f6d\u0259ni\u015fl\u0259rin m\u00fcqavil\u0259 \u00fczr\u0259 vaxt\u0131nda v\u0259 tam \u00f6d\u0259nilm\u0259sin\u0259 x\u00fcsusil\u0259 n\u0259zar\u0259t edilm\u0259lidir.<\/p>\n\n\n\n<ul>\n<li><strong>B\u0259s v\u0259t\u0259nda\u015flar \u00f6z kredit tarix\u00e7\u0259l\u0259rini nec\u0259 \u0259ld\u0259 ed\u0259 bil\u0259rl\u0259r?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>V\u0259t\u0259nda\u015flar kredit tarix\u00e7\u0259l\u0259rini bir ne\u00e7\u0259 \u00fcsullar \u0259ld\u0259 ed\u0259 bil\u0259rl\u0259r. \u00d6t\u0259n ild\u0259n (2022-ci il) etibar\u0259n istismara verilmi\u015f Findoc platformas\u0131 vasit\u0259sil\u0259 \u015f\u0259xsl\u0259r\u0259 tamamil\u0259 elektron qaydada qeydiyyatdan ke\u00e7\u0259r\u0259k \u00f6z kredit tarix\u00e7\u0259l\u0259ri il\u0259 ba\u011fl\u0131 m\u0259lumatlar\u0131 onlayn qaydada \u0259ld\u0259 etm\u0259k h\u00fcququ t\u0259min edilmi\u015fdir. M\u00fcvafiq portal vasit\u0259sil\u0259 \u015f\u0259xsl\u0259r\u0259 ild\u0259 2 d\u0259f\u0259 \u00f6d\u0259ni\u015fsiz sor\u011fu h\u00fcququ t\u0259min edilib. M\u00fcvafiq platformadan qeydiyyatdan ke\u00e7\u0259r\u0259k S\u0130MA v\u0259 ya ASAN imza il\u0259 raz\u0131l\u0131q \u0259riz\u0259sini imzalamaqla istifad\u0259\u00e7il\u0259r \u00f6zl\u0259ri bar\u0259d\u0259 B\u00fcroda toplanm\u0131\u015f m\u0259lumatlara r\u0259q\u0259msal \u00e7\u0131x\u0131\u015f \u0259ld\u0259 edirl\u0259r. Platformada qeydiyyatdan ke\u00e7mi\u015f \u015f\u0259xsl\u0259r a\u015fa\u011f\u0131dak\u0131 xidm\u0259tl\u0259rd\u0259n yararlana bil\u0259c\u0259k:<\/p>\n\n\n\n<p>&#8211; kredit hesabat\u0131na bax\u0131\u015f;<\/p>\n\n\n\n<p>&#8211; skor hesabat\u0131na bax\u0131\u015f;<\/p>\n\n\n\n<p>&#8211; kredit hesabat\u0131n\u0131n PDF format\u0131nda \u0259ld\u0259 edilm\u0259si;<\/p>\n\n\n\n<p>&#8211; kredit hesabat\u0131n\u0131n Asan \u0130mza il\u0259 imzalanm\u0131\u015f formada \u0259ld\u0259 edilm\u0259si;<\/p>\n\n\n\n<p>&#8211; kredit hesabat\u0131n\u0131n B\u00fcronun r\u0259smi &#8220;e-mail&#8221;ind\u0259n dig\u0259r &#8220;e-mail&#8221; \u00fcnvan\u0131na y\u00f6nl\u0259ndirilm\u0259si;<\/p>\n\n\n\n<p>&#8211; kredit hesabat\u0131nda yanl\u0131\u015f hesab edil\u0259n m\u0259lumatla ba\u011fl\u0131 onlayn \u015fikay\u0259t imkan\u0131.<\/p>\n\n\n\n<p>\u00d6d\u0259ni\u015fsiz sor\u011fu limiti bitdikd\u0259n sonra g\u00f6st\u0259ril\u0259n xidm\u0259tl\u0259rd\u0259n yararlanmaq \u00fc\u00e7\u00fcn h\u0259r bir m\u0259hsul \u00fczr\u0259 f\u0259rdi qaydada \u00f6d\u0259ni\u015f v\u0259 ya daha s\u0259rf\u0259li olan abun\u0259lik paketl\u0259rind\u0259n istifad\u0259 imkan\u0131 m\u00f6vcuddur. Xidm\u0259t\u0259 qo\u015fulmaq \u00fc\u00e7\u00fcn<a href=\"https:\/\/findoc.az\/auth\" target=\"_blank\" rel=\"noreferrer noopener\">&nbsp;https:\/\/findoc.az\/&nbsp;<\/a>linkind\u0259n istifad\u0259 edilir. Haz\u0131rda m\u00fcvafiq portaldan qeydiyyatdan ke\u00e7\u0259r\u0259k aktiv formada istifad\u0259 ed\u0259n v\u0259t\u0259nda\u015flar\u0131n say\u0131 47 min n\u0259f\u0259r\u0259 \u00e7at\u0131b.<\/p>\n\n\n\n<p>\u018flav\u0259 olaraq, 1 sayl\u0131 ASAN kommunal xidm\u0259t m\u0259rk\u0259zind\u0259 xidm\u0259t p\u0259nc\u0259r\u0259l\u0259ri qurulub v\u0259 m\u00fcvafiq xidm\u0259t m\u0259rk\u0259zind\u0259 v\u0259t\u0259nda\u015flar\u0131n kredit hesabatlar\u0131n\u0131 ka\u011f\u0131z da\u015f\u0131y\u0131c\u0131da \u0259ld\u0259 etm\u0259si \u00fc\u00e7\u00fcn m\u00fcvafiq imkan yarad\u0131l\u0131b. Habel\u0259, elektron imza v\u0259 ya notarial t\u0259sdiq olunmu\u015f \u0259riz\u0259 formas\u0131 il\u0259 m\u00fcraci\u0259t etm\u0259kl\u0259 d\u0259 \u015f\u0259xsl\u0259r \u00f6zl\u0259ri bar\u0259d\u0259 m\u0259lumatlar\u0131 po\u00e7t vasit\u0259sil\u0259 \u0259ld\u0259 ed\u0259 bil\u0259rl\u0259r.<\/p>\n\n\n\n<p class=\"has-text-align-right\"><strong><a href=\"https:\/\/vergiler.az\/news\/articles\/25380.html\" target=\"_blank\" rel=\"noopener\" title=\"\">F\u0259rqan\u0259 Allahverdiq\u0131z\u0131<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cTarix\u00e7\u0259d\u0259 gecikm\u0259 g\u00fcnl\u0259rinin olmas\u0131 \u015f\u0259xsin kredit\u0259 \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131 m\u0259hdudla\u015fd\u0131rm\u0131r\u201d Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n son hesabat\u0131na \u0259sas\u0259n, bu ilin iyun ay\u0131nda problemli kreditl\u0259rin h\u0259cmi may ay\u0131na nixb\u0259t\u0259n 2,5% art\u0131b. Bu il iyulun 1-n\u0259 Az\u0259rbaycanda vaxt\u0131 ke\u00e7mi\u015f kreditl\u0259rin&#8230;<\/p>\n","protected":false},"author":2,"featured_media":14724,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41,4],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/14723"}],"collection":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14723"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/14723\/revisions"}],"predecessor-version":[{"id":14725,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/14723\/revisions\/14725"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/14724"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14723"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14723"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14723"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}