{"id":38725,"date":"2025-07-23T04:00:00","date_gmt":"2025-07-23T01:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=38725"},"modified":"2025-07-23T12:16:07","modified_gmt":"2025-07-23T09:16:07","slug":"kredit-h%c9%99yat-sigortasi-maliyy%c9%99-t%c9%99hluk%c9%99sizliyi-v%c9%99-riskl%c9%99rin-idar%c9%99edilm%c9%99si-al%c9%99ti","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=38725","title":{"rendered":"Kredit H\u0259yat S\u0131\u011fortas\u0131: Maliyy\u0259 T\u0259hl\u00fck\u0259sizliyi v\u0259 Riskl\u0259rin \u0130dar\u0259edilm\u0259si Al\u0259ti"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>Kredit H\u0259yat S\u0131\u011fortas\u0131: Maliyy\u0259 T\u0259hl\u00fck\u0259sizliyi v\u0259 Riskl\u0259rin \u0130dar\u0259edilm\u0259si Al\u0259ti<\/strong><\/p>\n\n\n\n<p><em>Az\u0259rbaycanda kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259rin h\u0259yatlar\u0131n\u0131n s\u0131\u011fortalanmas\u0131 il\u0259 ba\u011fl\u0131 yeni qaydalar art\u0131q bir ildir q\u00fcvv\u0259d\u0259dir. Bu qaydalar kredit m\u00fcdd\u0259tind\u0259 borcalan\u0131n v\u0259fat\u0131 v\u0259 ya b\u0259db\u0259xt hadis\u0259 v\u0259 x\u0259st\u0259lik s\u0259b\u0259bind\u0259n \u0259m\u0259k qabiliyy\u0259tini itirm\u0259si hal\u0131nda, onun borc \u00f6hd\u0259likl\u0259rinin s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259sini n\u0259z\u0259rd\u0259 tutur. M\u00f6vzu il\u0259 ba\u011fl\u0131 AccessBank-\u0131n<\/em> <em>P\u0259rak\u0259nd\u0259 kreditl\u0259r biznesinin inki\u015faf\u0131 \u00fczr\u0259 m\u0259hsul sahibi, &nbsp;Az\u0259rbaycan Banklar Assosiasiyas\u0131n\u0131n eksperti Arzu X\u0259l\u0259fov fikirl\u0259rini b\u00f6l\u00fc\u015f\u00fcb.<\/em><\/p>\n\n\n\n<ul>\n<li><strong>Arzu b\u0259y, kredit h\u0259yat s\u0131\u011fortas\u0131 n\u0259dir v\u0259 bu s\u0131\u011forta n\u00f6v\u00fcnd\u0259n kiml\u0259r faydalana bil\u0259r?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>&#8211; Kredit H\u0259yat S\u0131\u011fortas\u0131 \u2013 borcalan\u0131n v\u0259fat\u0131 v\u0259 ya \u0259m\u0259k qabiliyy\u0259tinin itirm\u0259si hallar\u0131nda, onun m\u00f6vcud kredit \u00f6hd\u0259likl\u0259rinin s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n tam v\u0259 ya qism\u0259n \u00f6d\u0259nilm\u0259sini t\u0259min ed\u0259n m\u00fch\u00fcm maliyy\u0259 al\u0259tidir. Bu s\u0131\u011forta m\u0259hsulu, h\u0259m borcalan\u0131n ail\u0259sini g\u00f6zl\u0259nilm\u0259z maliyy\u0259 y\u00fck\u00fcnd\u0259n qoruma\u011f\u0131, h\u0259m d\u0259 bank\u0131n kredit portfelind\u0259ki riskl\u0259ri effektiv \u015f\u0259kild\u0259 idar\u0259 etm\u0259yi h\u0259d\u0259fl\u0259yir.\u00a0 S\u0131\u011forta, qar\u015f\u0131l\u0131ql\u0131 fayda prinsipi \u00fcz\u0259rind\u0259 qurulmu\u015fdur: bir t\u0259r\u0259fd\u0259n, borcalan\u0131n ail\u0259si kredit \u00f6hd\u0259likl\u0259rinin \u00f6d\u0259nilm\u0259si il\u0259 ba\u011fl\u0131 \u0259lav\u0259 m\u0259suliyy\u0259td\u0259n azad olur, dig\u0259r t\u0259r\u0259fd\u0259n is\u0259 bank borcun vaxt\u0131nda v\u0259 tam h\u0259cmd\u0259 qaytar\u0131lmas\u0131n\u0131 t\u0259min ed\u0259n \u0259lav\u0259 t\u0259minata malik olur. Bu, bank-m\u00fc\u015ft\u0259ri m\u00fcnasib\u0259tl\u0259rind\u0259 maliyy\u0259 dayan\u0131ql\u0131\u011f\u0131n\u0131n qorunmas\u0131na t\u00f6hf\u0259 verir.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/IMG_2329-1024x683.jpg\" alt=\"\" class=\"wp-image-38726\" style=\"width:462px;height:auto\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/IMG_2329-1024x683.jpg 1024w, https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/IMG_2329-300x200.jpg 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/IMG_2329-768x512.jpg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/IMG_2329-1536x1024.jpg 1536w, https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/IMG_2329-2048x1365.jpg 2048w, https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/IMG_2329-360x240.jpg 360w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p>Kredit H\u0259yat S\u0131\u011fortas\u0131, 18\u201370 ya\u015f aral\u0131\u011f\u0131nda olan v\u0259 bankdan istehlak krediti alan v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulub. M\u0259hsulun geni\u015f \u0259hat\u0259 dair\u0259si v\u0259 \u0259l\u00e7atan \u015f\u0259rtl\u0259ri onu kreditl\u0259\u015fm\u0259 prosesind\u0259 \u00f6n\u0259mli t\u0259hl\u00fck\u0259sizlik mexanizmin\u0259 \u00e7evirir. S\u0131\u011fortal\u0131 kredit, m\u00fc\u015ft\u0259ri \u00fc\u00e7\u00fcn m\u0259suliyy\u0259tli maliyy\u0259 davran\u0131\u015f\u0131n\u0131n, bank \u00fc\u00e7\u00fcn is\u0259 riskl\u0259rin idar\u0259olunan olmas\u0131n\u0131n g\u00f6st\u0259ricisidir.&nbsp; X\u00fcsusil\u0259 vur\u011fulanmal\u0131d\u0131r ki, bu s\u0131\u011forta yaln\u0131z borcalan\u0131n deyil, onun ail\u0259 \u00fczvl\u0259rinin d\u0259 maraqlar\u0131n\u0131 qoruyur. Bel\u0259 ki, s\u0131\u011fortal\u0131 hadis\u0259 ba\u015f verdikd\u0259, ail\u0259nin maliyy\u0259 sabitliyinin pozulmamas\u0131 t\u0259min olunur v\u0259 onlar\u0131n \u0259lav\u0259 borc y\u00fck\u00fc il\u0259 qar\u015f\u0131la\u015fmas\u0131n\u0131n qar\u015f\u0131s\u0131 al\u0131n\u0131r. N\u0259tic\u0259 etibaril\u0259, Kredit H\u0259yat S\u0131\u011fortas\u0131 \u2013 m\u00fcasir bank\u00e7\u0131l\u0131q praktikas\u0131nda f\u0259rdi v\u0259 institusional s\u0259viyy\u0259d\u0259 riskl\u0259rin azald\u0131lmas\u0131na xidm\u0259t ed\u0259n, kredit m\u0259hsullar\u0131n\u0131n ayr\u0131lmaz t\u0259rkib hiss\u0259sidir. Bu al\u0259t h\u0259m banklar\u0131n dayan\u0131ql\u0131 f\u0259aliyy\u0259tini, h\u0259m d\u0259 m\u00fc\u015ft\u0259ril\u0259rin sosial-maliyy\u0259 rifah\u0131n\u0131 t\u0259min etm\u0259y\u0259 y\u00f6n\u0259lib.<\/p>\n\n\n\n<ul>\n<li><strong>\u00a0Kiml\u0259r Kredit H\u0259yat S\u0131\u011fortas\u0131ndan yararlana bilm\u0259z?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Kredit H\u0259yat S\u0131\u011fortas\u0131 \u00fczr\u0259 s\u0131\u011forta t\u0259minat\u0131n\u0131n imtina edilm\u0259sinin \u0259n geni\u015f yay\u0131lm\u0131\u015f s\u0259b\u0259bl\u0259rind\u0259n biri ya\u015f m\u0259hdudiyy\u0259ti il\u0259 ba\u011fl\u0131d\u0131r. \u018fks\u0259r hallarda bu s\u0131\u011forta n\u00f6v\u00fc yaln\u0131z 18\u201370 ya\u015f aral\u0131\u011f\u0131nda olan fiziki \u015f\u0259xsl\u0259r\u0259 t\u0259qdim olunur. 70 ya\u015fdan yuxar\u0131 \u015f\u0259xsl\u0259rin s\u0131\u011fortalanmamas\u0131 is\u0259 risk s\u0259viyy\u0259sinin y\u00fcks\u0259k olmas\u0131 v\u0259 s\u0131\u011forta m\u00fcdd\u0259ti \u0259rzind\u0259 s\u0131\u011forta hadis\u0259si ba\u015fverm\u0259 ehtimal\u0131n\u0131n artmas\u0131 il\u0259 \u0259sasland\u0131r\u0131l\u0131r. Bundan \u0259lav\u0259, dig\u0259r istisna hallar v\u0259 \u0259lav\u0259 m\u0259hdudiyy\u0259tl\u0259r s\u0131\u011forta m\u0259hsulunun daxili \u015f\u0259rtl\u0259rin\u0259 \u0259sas\u0259n m\u00fc\u0259yy\u0259n olunur. Bu t\u0259l\u0259bl\u0259r s\u0131\u011forta \u015firk\u0259tind\u0259n \u015firk\u0259t\u0259 f\u0259rql\u0259n\u0259 bil\u0259r v\u0259 h\u0259r bir m\u00fcraci\u0259t f\u0259rdi qaydada qiym\u0259tl\u0259ndirilir. Buraya b\u0259zi hallarda borcalan\u0131n sa\u011flaml\u0131q v\u0259ziyy\u0259ti, m\u00f6vcud x\u0259st\u0259likl\u0259ri v\u0259 ya dig\u0259r risk faktorlar\u0131 da daxil ola bil\u0259r.&nbsp;<\/p>\n\n\n\n<p>S\u0131\u011forta m\u0259hsuluna m\u00fcraci\u0259t etm\u0259zd\u0259n \u0259vv\u0259l konkret \u015f\u0259rtl\u0259rl\u0259 tan\u0131\u015f olmaq v\u0259 ehtiyac olduqda pe\u015f\u0259kar m\u0259sl\u0259h\u0259t almaq t\u00f6vsiy\u0259 olunur. Bu, potensial riskl\u0259rin d\u00fczg\u00fcn qiym\u0259tl\u0259ndirilm\u0259si v\u0259 s\u0131\u011forta t\u0259minat\u0131n\u0131n \u015f\u0259ffaf \u015f\u0259kild\u0259 anla\u015f\u0131lmas\u0131 bax\u0131m\u0131ndan m\u00fch\u00fcm \u0259h\u0259miyy\u0259t k\u0259sb edir.<\/p>\n\n\n\n<ul>\n<li><strong>Kredit H\u0259yat S\u0131\u011fortas\u0131 m\u0259cburidirmi?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Az\u0259rbaycanda m\u00f6vcud qanunvericiliy\u0259 \u0259sas\u0259n, Kredit H\u0259yat S\u0131\u011fortas\u0131 fiziki \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn m\u0259cburi xarakter da\u015f\u0131m\u0131r. Y\u0259ni bu s\u0131\u011forta n\u00f6v\u00fcn\u00fcn \u0259ld\u0259 edilm\u0259si borcalan \u00fc\u00e7\u00fcn h\u00fcquqi \u00f6hd\u0259lik kimi m\u00fc\u0259yy\u0259n edilm\u0259yib v\u0259 tamamil\u0259 k\u00f6n\u00fcll\u00fcl\u00fck prinsipi \u0259sas\u0131nda h\u0259yata ke\u00e7irilir. Lakin praktiki bax\u0131mdan, bir \u00e7ox bank v\u0259 kredit t\u0259\u015fkilatlar\u0131 bu s\u0131\u011forta m\u0259hsulunu riskl\u0259rin idar\u0259 olunmas\u0131 strategiyas\u0131n\u0131n m\u00fch\u00fcm elementi kimi qiym\u0259tl\u0259ndirir v\u0259 kreditin r\u0259smil\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn ilkin \u015f\u0259rt qismind\u0259 t\u0259qdim edirl\u0259r. Bu yana\u015fma, kredit portfelinin keyfiyy\u0259tinin qorunmas\u0131 v\u0259 borcun \u00f6d\u0259nilm\u0259sind\u0259 m\u00fcmk\u00fcn g\u00f6zl\u0259nilm\u0259z hallar qar\u015f\u0131s\u0131nda maliyy\u0259 t\u0259minat\u0131n\u0131n formala\u015fd\u0131r\u0131lmas\u0131 m\u0259qs\u0259di da\u015f\u0131y\u0131r.<\/p>\n\n\n\n<p>Bel\u0259 hallarda borcalan, s\u0131\u011forta m\u00fcqavil\u0259si t\u0259qdim etm\u0259diyi t\u0259qdird\u0259 kredit m\u0259hsuluna \u00e7\u0131x\u0131\u015f imkan\u0131 \u0259ld\u0259 etmir. Kredit H\u0259yat S\u0131\u011fortas\u0131 bank \u00fc\u00e7\u00fcn maliyy\u0259 riskl\u0259rini azaldan, borcalan\u0131n ail\u0259si \u00fc\u00e7\u00fcn is\u0259 t\u0259hl\u00fck\u0259sizlik z\u0259man\u0259ti rolunu oynayan effektiv bir m\u00fcdafi\u0259 mexanizmidir. X\u00fcsusil\u0259 qeyd olunmal\u0131d\u0131r ki, borcalan\u0131n v\u0259fat\u0131 v\u0259 ya \u0259m\u0259k qabiliyy\u0259tini itirm\u0259si kimi hallar zaman\u0131 kredit \u00f6hd\u0259likl\u0259ri ail\u0259 \u00fczvl\u0259rinin \u00fcz\u0259rin\u0259 ke\u00e7mir v\u0259 bu m\u0259suliyy\u0259t s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n qar\u015f\u0131lan\u0131r. Bu is\u0259 h\u0259m sosial, h\u0259m d\u0259 maliyy\u0259 bax\u0131m\u0131ndan ail\u0259nin sabitliyinin qorunmas\u0131na xidm\u0259t edir.<\/p>\n\n\n\n<p>N\u0259tic\u0259 etibaril\u0259, Kredit H\u0259yat S\u0131\u011fortas\u0131 qanunla m\u0259cburi olmasa da, bank sektoru praktikas\u0131nda geni\u015f t\u0259tbiq olunan v\u0259 h\u0259m kredit t\u0259\u015fkilat\u0131, h\u0259m d\u0259 m\u00fc\u015ft\u0259ri \u00fc\u00e7\u00fcn y\u00fcks\u0259k d\u0259r\u0259c\u0259d\u0259 fayda t\u0259min ed\u0259n vacib al\u0259t kimi \u00e7\u0131x\u0131\u015f edir. Bu s\u0259b\u0259bd\u0259n bir \u00e7ox hallarda o, kredit r\u0259smil\u0259\u015fdirilm\u0259sinin ayr\u0131lmaz m\u0259rh\u0259l\u0259l\u0259rind\u0259n biri hesab olunur.<\/p>\n\n\n\n<ul>\n<li><strong>Kredit H\u0259yat S\u0131\u011fortas\u0131n\u0131n Qiym\u0259ti v\u0259 M\u00fcdd\u0259ti n\u0259 q\u0259d\u0259rdir?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Kredit H\u0259yat S\u0131\u011fortas\u0131 \u00fczr\u0259 s\u0131\u011forta haqq\u0131 \u2014 y\u0259ni borcalan\u0131n \u00f6d\u0259m\u0259li oldu\u011fu m\u0259bl\u0259\u011f \u2014 bir ne\u00e7\u0259 \u0259sas faktora \u0259sas\u0259n hesablan\u0131r. Bu amill\u0259r aras\u0131nda borcalan\u0131n ya\u015f\u0131, kreditin m\u00fcdd\u0259ti v\u0259 m\u0259bl\u0259\u011fi x\u00fcsusi rol oynay\u0131r. \u00dcmumiyy\u0259tl\u0259, ya\u015f artd\u0131qca h\u0259yat v\u0259 sa\u011flaml\u0131qla ba\u011fl\u0131 riskl\u0259r d\u0259 y\u00fcks\u0259ldiyi \u00fc\u00e7\u00fcn s\u0131\u011forta haqq\u0131 da art\u0131r. G\u0259nc ya\u015fda olan \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn bu m\u0259bl\u0259\u011f daha m\u00fcnasib, ya\u015fl\u0131 \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn is\u0259 nisb\u0259t\u0259n y\u00fcks\u0259k olur.<\/p>\n\n\n\n<p>M\u0259s\u0259l\u0259n, 10.000 manat m\u0259bl\u0259\u011find\u0259 v\u0259 1 il m\u00fcdd\u0259tin\u0259 g\u00f6t\u00fcr\u00fcl\u0259n istehlak krediti \u00fczr\u0259 s\u0131\u011forta haqq\u0131 30 ya\u015fl\u0131 borcalan \u00fc\u00e7\u00fcn t\u0259xmin\u0259n 16 manat, 40 ya\u015fda olan \u015f\u0259xs \u00fc\u00e7\u00fcn 28 manat, 50 ya\u015fl\u0131 biri \u00fc\u00e7\u00fcn is\u0259 56 manat civar\u0131nda d\u0259yi\u015f\u0259 bil\u0259r. Bu r\u0259q\u0259ml\u0259r t\u0259xmini xarakter da\u015f\u0131y\u0131r v\u0259 konkret s\u0131\u011forta \u015firk\u0259tinin qiym\u0259tl\u0259ndirm\u0259 meyarlar\u0131ndan as\u0131l\u0131 olaraq f\u0259rqli ola bil\u0259r.<\/p>\n\n\n\n<p>Bu \u00f6d\u0259ni\u015f m\u00fcqabilind\u0259 borcalan kreditin q\u00fcvv\u0259d\u0259 oldu\u011fu m\u00fcdd\u0259t \u0259rzind\u0259 v\u0259fat v\u0259 ya \u0259m\u0259k qabiliyy\u0259tinin daimi itirilm\u0259si kimi hallara qar\u015f\u0131 s\u0131\u011fortalanm\u0131\u015f olur. Bel\u0259 hallarda s\u0131\u011forta \u015firk\u0259ti yaranm\u0131\u015f borc \u00f6hd\u0259liyini \u00f6z \u00fcz\u0259rin\u0259 g\u00f6t\u00fcr\u00fcr v\u0259 onu bank qar\u015f\u0131s\u0131nda tam v\u0259 ya qism\u0259n \u00f6d\u0259yir. Bu, h\u0259m borcalan, h\u0259m d\u0259 onun ail\u0259si \u00fc\u00e7\u00fcn ciddi maliyy\u0259 t\u0259hl\u00fck\u0259sizliyi t\u0259min edir.<\/p>\n\n\n\n<ul>\n<li><strong>Kredit H\u0259yat S\u0131\u011fortas\u0131 v\u0259 Tibbi S\u0131\u011forta \u2013 bunlar\u0131n \u0259sas f\u0259rqi n\u0259d\u0259n ibar\u0259tdir?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Kredit H\u0259yat S\u0131\u011fortas\u0131 il\u0259 Tibbi S\u0131\u011forta mahiyy\u0259tc\u0259 f\u0259rqli m\u0259qs\u0259dl\u0259r\u0259 xidm\u0259t ed\u0259n iki ayr\u0131 s\u0131\u011forta n\u00f6v\u00fcd\u00fcr. Kredit H\u0259yat S\u0131\u011fortas\u0131n\u0131n \u0259sas funksiyas\u0131 borcalan\u0131n v\u0259fat\u0131 v\u0259 ya daimi \u0259m\u0259k qabiliyy\u0259tini itirm\u0259si hal\u0131nda onun m\u00f6vcud kredit \u00f6hd\u0259likl\u0259rinin s\u0131\u011forta \u015firk\u0259ti t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259sini t\u0259min etm\u0259kdir. Bu s\u0131\u011forta n\u00f6v\u00fc daha \u00e7ox maliyy\u0259 borcunun t\u0259minat\u0131 m\u0259qs\u0259di da\u015f\u0131y\u0131r v\u0259 h\u0259m borcalan\u0131n ail\u0259si, h\u0259m d\u0259 bank \u00fc\u00e7\u00fcn riskl\u0259rin idar\u0259 olunmas\u0131na xidm\u0259t edir.<\/p>\n\n\n\n<p>Dig\u0259r t\u0259r\u0259fd\u0259n, Tibbi S\u0131\u011forta s\u0131\u011fortal\u0131n\u0131n sa\u011flaml\u0131\u011f\u0131 il\u0259 ba\u011fl\u0131 x\u0259rcl\u0259rin qar\u015f\u0131lanmas\u0131na y\u00f6n\u0259lib. Buraya x\u0259st\u0259lik zaman\u0131 apar\u0131lan tibbi m\u00fcayin\u0259l\u0259r, ambulator v\u0259 ya stasionar m\u00fcalic\u0259, h\u0259m\u00e7inin z\u0259ruri hallarda c\u0259rrahi \u0259m\u0259liyyatlarla ba\u011fl\u0131 x\u0259rcl\u0259r daxildir. M\u0259qs\u0259d, s\u0131\u011fortal\u0131 \u015f\u0259xsin sa\u011flaml\u0131q probleml\u0259ri zaman\u0131 maliyy\u0259 y\u00fck\u00fcn\u00fc minimuma endirm\u0259k v\u0259 tibbi xidm\u0259tl\u0259r\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131 t\u0259min etm\u0259kdir.<\/p>\n\n\n\n<p>\u018fsas f\u0259rq ondan ibar\u0259tdir ki, Kredit H\u0259yat S\u0131\u011fortas\u0131 borc \u00f6hd\u0259liyinin icras\u0131na dair riskl\u0259ri s\u0131\u011fortalay\u0131r, Tibbi S\u0131\u011forta is\u0259 sa\u011flaml\u0131qla ba\u011fl\u0131 riskl\u0259r n\u0259tic\u0259sind\u0259 yaranan x\u0259rcl\u0259ri qar\u015f\u0131lay\u0131r. H\u0259r iki m\u0259hsul f\u0259rqli ehtiyaclar\u0131 \u0259hat\u0259 ets\u0259 d\u0259, \u015f\u0259xsi maliyy\u0259 sabitliyinin qorunmas\u0131nda m\u00fch\u00fcm rol oynay\u0131r.<\/p>\n\n\n\n<p>Son ill\u0259r \u0259rzind\u0259 \u00f6lk\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n m\u00fcxt\u0259lif bank v\u0259 s\u0131\u011forta t\u0259\u015fkilatlar\u0131 t\u0259r\u0259find\u0259n onlarla s\u0131\u011forta hadis\u0259si qeyd\u0259 al\u0131n\u0131b v\u0259 n\u0259tic\u0259 etibaril\u0259 borcalan ail\u0259l\u0259rin\u0259 y\u00fcz minl\u0259rl\u0259 manat h\u0259cmind\u0259 s\u0131\u011forta \u00f6d\u0259ni\u015fl\u0259ri h\u0259yata ke\u00e7irilib. Bu g\u00f6st\u0259ricil\u0259r Kredit H\u0259yat S\u0131\u011fortas\u0131n\u0131n real v\u0259 praktiki t\u0259sirini, h\u0259m\u00e7inin sosial \u0259h\u0259miyy\u0259tini bir daha n\u00fcmayi\u015f etdirir.<\/p>\n\n\n\n<ul>\n<li><strong>Borcalanlar \u00fc\u00e7\u00fcn Kredit H\u0259yat S\u0131\u011fortas\u0131n\u0131n \u0259h\u0259miyy\u0259ti n\u0259d\u0259n ibar\u0259tdir? <\/strong><strong>Niy\u0259 bu s\u0131\u011forta vacib hesab olunur?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Kredit H\u0259yat S\u0131\u011fortas\u0131 borcalan\u0131n yaln\u0131z \u00f6z maliyy\u0259 \u00f6hd\u0259likl\u0259rini deyil, eyni zamanda ail\u0259sinin sabitliyini v\u0259 rifah\u0131n\u0131 qoruma\u011fa xidm\u0259t edir. G\u00f6zl\u0259nilm\u0259z h\u0259yat hadis\u0259l\u0259ri \u2014 x\u00fcsusil\u0259 v\u0259fat v\u0259 ya \u0259m\u0259k qabiliyy\u0259tinin itirilm\u0259si hallar\u0131nda \u2014 ail\u0259nin \u00fcz\u0259rin\u0259 \u0259lav\u0259 borc y\u00fck\u00fc d\u00fc\u015fm\u0259sinin qar\u015f\u0131s\u0131n\u0131 al\u0131r. Bel\u0259 bir s\u0131\u011forta vasit\u0259sil\u0259 borcalan, bu g\u00fcn verdiyi m\u0259suliyy\u0259tli q\u0259rarla sabah ail\u0259si \u00fc\u00e7\u00fcn maliyy\u0259 t\u0259hl\u00fck\u0259sizliyi t\u0259min etmi\u015f olur.<\/p>\n\n\n\n<p>Bundan \u0259lav\u0259, bu m\u0259hsul ail\u0259y\u0259 qar\u015f\u0131 diqq\u0259t v\u0259 m\u0259suliyy\u0259tin ifad\u0259sidir. \u0130nsan h\u0259yat\u0131nda verdiyi maliyy\u0259 q\u0259rarlar yaln\u0131z onun \u00f6z\u00fcn\u00fc deyil, ail\u0259sini d\u0259 birba\u015fa t\u0259sir alt\u0131na al\u0131r. Kredit H\u0259yat S\u0131\u011fortas\u0131 borcalan fiziki olaraq ail\u0259sinin yan\u0131nda olmasa bel\u0259, onlar\u0131 m\u00fcmk\u00fcn maliyy\u0259 \u00e7\u0259tinlikl\u0259rind\u0259n qoruma\u011fa imkan verir. Bu, ail\u0259y\u0259 h\u0259m iqtisadi sabitlik, h\u0259m d\u0259 psixoloji rahatl\u0131q b\u0259x\u015f ed\u0259n \u00e7ox \u00f6n\u0259mli bir s\u0131\u011forta n\u00f6v\u00fcd\u00fcr.<\/p>\n\n\n\n<p>Maraql\u0131 v\u0259 detall\u0131 m\u00fcsahib\u0259 \u00fc\u00e7\u00fcn t\u0259\u015f\u0259kk\u00fcr edirik.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kredit H\u0259yat S\u0131\u011fortas\u0131: Maliyy\u0259 T\u0259hl\u00fck\u0259sizliyi v\u0259 Riskl\u0259rin \u0130dar\u0259edilm\u0259si Al\u0259ti Az\u0259rbaycanda kredit g\u00f6t\u00fcr\u0259n \u015f\u0259xsl\u0259rin h\u0259yatlar\u0131n\u0131n s\u0131\u011fortalanmas\u0131 il\u0259 ba\u011fl\u0131 yeni qaydalar art\u0131q bir ildir q\u00fcvv\u0259d\u0259dir. Bu qaydalar kredit m\u00fcdd\u0259tind\u0259 borcalan\u0131n v\u0259fat\u0131 v\u0259 ya b\u0259db\u0259xt hadis\u0259 v\u0259 x\u0259st\u0259lik&#8230;<\/p>\n","protected":false},"author":2,"featured_media":38726,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/38725"}],"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=38725"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/38725\/revisions"}],"predecessor-version":[{"id":38727,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/38725\/revisions\/38727"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/38726"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}