\u0130lham \u018fliyev<\/strong>\u00a0m\u00fcvafiq qanunu imzalay\u0131b.<\/p>\nD\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, 331.1-ci madd\u0259y\u0259 a\u015fa\u011f\u0131dak\u0131 m\u0259zmunda ikinci v\u0259 \u00fc\u00e7\u00fcnc\u00fc c\u00fcml\u0259l\u0259r \u0259lav\u0259 edilib:<\/p>\n
\u201c\u018fqd onun m\u0259zmununu d\u0259yi\u015film\u0259z formada maddi da\u015f\u0131y\u0131c\u0131da \u0259ks etdirm\u0259y\u0259 imkan ver\u0259n elektron v\u0259 ya dig\u0259r texniki vasit\u0259l\u0259rin k\u00f6m\u0259yi il\u0259 ba\u011flan\u0131ld\u0131qda da yaz\u0131l\u0131 formaya riay\u0259t edilmi\u015f hesab edilir v\u0259 bu halda irad\u0259sini ifad\u0259 ed\u0259n \u015f\u0259xsi d\u00fcr\u00fcst m\u00fc\u0259yy\u0259n etm\u0259y\u0259 imkan ver\u0259n h\u0259r hans\u0131 \u00fcsuldan istifad\u0259 olunmu\u015fdursa, imza t\u0259l\u0259bi yerin\u0259 yetirilmi\u015f hesab edilir. Qanunla, dig\u0259r h\u00fcquqi aktlarla v\u0259 ya t\u0259r\u0259fl\u0259rin raz\u0131la\u015fmas\u0131 il\u0259 \u015f\u0259xsi d\u0259qiq m\u00fc\u0259yy\u0259n etm\u0259y\u0259 imkan ver\u0259n x\u00fcsusi \u00fcsul (\u00fcsullar) m\u00fc\u0259yy\u0259nl\u0259\u015fdiril\u0259 bil\u0259r\u201d.<\/p>\n
Bundan ba\u015fqa, 445.7-ci madd\u0259 a\u015fa\u011f\u0131dak\u0131 redaksiyada verilir:<\/p>\n
\u201c445.7. Bu M\u0259c\u0259ll\u0259d\u0259 v\u0259 ya m\u00fcqavil\u0259d\u0259 ayr\u0131 qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borclu pul m\u0259bl\u0259\u011finin \u00f6d\u0259nilm\u0259sini gecikdirdikd\u0259 kreditor gecikdirilmi\u015f vaxt \u00fc\u00e7\u00fcn gecikdirilmi\u015f m\u0259bl\u0259\u011f\u0259 illik be\u015f faizin \u00f6d\u0259nilm\u0259sini t\u0259l\u0259b ed\u0259 bil\u0259r\u201d.<\/p>\n
Eyni zamanda, 37-ci f\u0259sil a\u015fa\u011f\u0131dak\u0131 redaksiyada verilir:<\/p>\n
\u201c37-ci f\u0259sil.<\/p>\n
Borc<\/p>\n
\u00a7 1. Borc m\u00fcqavil\u0259si<\/p>\n
Madd\u0259 739. Borc m\u00fcqavil\u0259sinin anlay\u0131\u015f\u0131 v\u0259 formas\u0131<\/p>\n
739.1. Borc m\u00fcqavil\u0259sin\u0259 g\u00f6r\u0259 bir t\u0259r\u0259f (borcver\u0259n) pul v\u0259saitin\u0259 v\u0259 ya dig\u0259r \u0259v\u0259z edil\u0259n \u0259\u015fyalara m\u00fclkiyy\u0259t h\u00fcququnu dig\u0259r t\u0259r\u0259f\u0259 (borcalana) verm\u0259yi \u00f6hd\u0259sin\u0259 g\u00f6t\u00fcr\u00fcr, borcalan is\u0259 ald\u0131qlar\u0131n\u0131 m\u00fcvafiq olaraq eyni m\u0259bl\u0259\u011fd\u0259 pul v\u0259saiti v\u0259 ya eyni keyfiyy\u0259td\u0259 v\u0259 miqdarda olan eyni n\u00f6vl\u00fc \u0259\u015fyalar \u015f\u0259klind\u0259 borcver\u0259n\u0259 qaytarma\u011f\u0131 \u00f6hd\u0259sin\u0259 g\u00f6t\u00fcr\u00fcr.<\/p>\n
739.2. Borc m\u00fcqavil\u0259si predmetinin m\u0259bl\u0259\u011fi \u00fc\u00e7 min manatdan \u00e7oxdursa v\u0259 ya m\u0259bl\u0259\u011find\u0259n as\u0131l\u0131 olmayaraq, m\u00fcqavil\u0259nin i\u015ftirak\u00e7\u0131lar\u0131ndan biri h\u00fcquqi \u015f\u0259xsdirs\u0259, borc m\u00fcqavil\u0259si yaz\u0131l\u0131 formada ba\u011flan\u0131lmal\u0131d\u0131r.<\/p>\n
739.3. Borcalan\u0131n v\u0259 ya onun g\u00f6st\u0259rdiyi \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsin borc m\u00fcqavil\u0259sinin predmetin\u0259 s\u0259r\u0259ncam h\u00fcququnun yarand\u0131\u011f\u0131 g\u00fcn borcun verildiyi g\u00fcn hesab olunur. Borc m\u00fcqavil\u0259sinin predmeti pul v\u0259saiti olduqda v\u0259 na\u011fds\u0131z qaydada verildikd\u0259, borcun verildiyi g\u00fcn borc m\u0259bl\u0259\u011finin borcalan\u0131n, yaxud onun g\u00f6st\u0259rdiyi \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsin hesab\u0131na xidm\u0259t g\u00f6st\u0259r\u0259n kredit t\u0259\u015fkilat\u0131n\u0131n v\u0259 ya dig\u0259r \u015f\u0259xsin hesab\u0131na m\u0259daxil edildiyi g\u00fcn hesab olunur. Borcver\u0259nin v\u0259 borcalan\u0131n (v\u0259 ya onun g\u00f6st\u0259rdiyi \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsin) hesablar\u0131 eyni t\u0259\u015fkilatda olduqda borc v\u0259saitinin borcalan\u0131n v\u0259 ya onun g\u00f6st\u0259rdiyi \u015f\u0259xsin hesab\u0131na m\u0259daxil oldu\u011fu g\u00fcn borcun verildiyi g\u00fcn hesab edilir.<\/p>\n
739.4. Borcver\u0259n \u00f6z nizamnam\u0259 kapital\u0131ndak\u0131 pay\u0131n (s\u0259hmin) al\u0131nmas\u0131 m\u0259qs\u0259dil\u0259 borc ver\u0259 bilm\u0259z. Borcver\u0259n qar\u015f\u0131s\u0131ndak\u0131 borc \u00f6hd\u0259liyinin icras\u0131n\u0131n t\u0259minat\u0131 kimi onun nizamnam\u0259 kapital\u0131nda olan pay (s\u0259hm) \u00e7\u0131x\u0131\u015f ed\u0259 bilm\u0259z.<\/p>\n
Madd\u0259 740. Borc m\u00fcqavil\u0259si \u00fczr\u0259 faizl\u0259r<\/p>\n
740.1. Qanunda v\u0259 ya m\u00fcqavil\u0259d\u0259 ayr\u0131 qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borcver\u0259n borcalandan m\u00fcqavil\u0259d\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f qaydada v\u0259 m\u0259bl\u0259\u011fd\u0259 faiz almaq h\u00fcququna malikdir.<\/p>\n
740.2. Bu M\u0259c\u0259ll\u0259d\u0259 ayr\u0131 qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borcun verilm\u0259sin\u0259 g\u00f6r\u0259 faizin v\u0259 (v\u0259 ya) dig\u0259r haqq\u0131n m\u0259bl\u0259\u011fi v\u0259 ya hesablanma qaydas\u0131 t\u0259r\u0259fl\u0259rin raz\u0131la\u015fmas\u0131 il\u0259 m\u00fc\u0259yy\u0259n edilir.<\/p>\n
740.3. Borcdan istifad\u0259y\u0259 g\u00f6r\u0259 faiz n\u0259z\u0259rd\u0259 tutulubsa v\u0259 m\u00fcvafiq m\u0259bl\u0259\u011f m\u00fcqavil\u0259d\u0259 m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259yibs\u0259, h\u0259min m\u0259bl\u0259\u011f bu M\u0259c\u0259ll\u0259nin 439.3-c\u00fc madd\u0259sin\u0259 \u0259sas\u0259n hesablan\u0131r.<\/p>\n
740.4. Faizl\u0259r, o c\u00fcml\u0259d\u0259n gecikdirilmi\u015f vaxt \u00fc\u00e7\u00fcn hesablanan faizl\u0259r v\u0259 dig\u0259r haqlar yaln\u0131z borcun qaytar\u0131ld\u0131\u011f\u0131 g\u00fcn\u0259d\u0259k \u00f6d\u0259nilm\u0259mi\u015f \u0259sas borc qal\u0131\u011f\u0131 m\u0259bl\u0259\u011fin\u0259 hesablan\u0131r.<\/p>\n
740.5. M\u00fcqavil\u0259d\u0259 ayr\u0131 qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borc m\u00fcqavil\u0259si \u00fczr\u0259 faizl\u0259r v\u0259 (v\u0259 ya) haqlar m\u00fcqavil\u0259nin q\u00fcvv\u0259d\u0259 oldu\u011fu h\u0259r bir ilin sonunda \u00f6d\u0259nilm\u0259li, borc bir il ba\u015fa \u00e7atanad\u0259k qaytar\u0131lmal\u0131d\u0131rsa, faizl\u0259r v\u0259 (v\u0259 ya) haqlar borcun qaytar\u0131lmas\u0131 il\u0259 bir vaxtda \u00f6d\u0259nilm\u0259lidir.<\/p>\n
740.6. Borc m\u00fcqavil\u0259si \u00fczr\u0259 faizl\u0259r illik faiz d\u0259r\u0259c\u0259sinin \u00fc\u00e7 y\u00fcz altm\u0131\u015f be\u015f\u0259 v\u0259 ya borc m\u00fcqavil\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutuldu\u011fu halda \u00fc\u00e7 y\u00fcz altm\u0131\u015fa b\u00f6l\u00fcn\u0259r\u0259k, borcun verildiyi faktiki g\u00fcnl\u0259rin (borcun verildiyi g\u00fcn daxil, qaytar\u0131ld\u0131\u011f\u0131 g\u00fcn is\u0259 xaric olmaqla) say\u0131na vurulmaqla hesablan\u0131r.<\/p>\n
740.7. Borc m\u00fcqavil\u0259si \u00fczr\u0259 borcver\u0259nin borcalandan q\u0259bul etdiyi h\u0259r hans\u0131 \u00f6d\u0259ni\u015fin borc \u00fczr\u0259 sonrak\u0131 g\u00fcnl\u0259rin birind\u0259 q\u0259bul edilmi\u015f \u00f6d\u0259ni\u015f kimi hesab edilm\u0259si yolverilm\u0259zdir.<\/p>\n
740.8. Kredit m\u00fcqavil\u0259si \u00fczr\u0259 faizl\u0259r v\u0259 (v\u0259 ya) dig\u0259r haqlar kredit m\u00fcqavil\u0259si il\u0259 m\u00fc\u0259yy\u0259n edil\u0259n m\u00fcdd\u0259tl\u0259rd\u0259 \u00f6d\u0259nilir.<\/p>\n
740.9. Bu M\u0259c\u0259ll\u0259nin bu paraqraf\u0131n\u0131n faiz v\u0259 (v\u0259 ya) haqlar\u0131n \u00f6d\u0259nilm\u0259sin\u0259 dair m\u00fcdd\u0259alar\u0131 qanunda v\u0259 ya borc m\u00fcqavil\u0259sind\u0259 faiz v\u0259 (v\u0259 ya) haqlar\u0131n \u00f6d\u0259nilm\u0259si n\u0259z\u0259rd\u0259 tutulduqda t\u0259tbiq edilir.<\/p>\n
740.10. G\u0259lir \u0259ld\u0259 etm\u0259k m\u0259qs\u0259dil\u0259 m\u00fcnt\u0259z\u0259m olaraq, habel\u0259 qeyri-m\u0259hdud subyektl\u0259r\u0259 pul v\u0259saitl\u0259rinin borc verilm\u0259si yaln\u0131z normativ h\u00fcquqi aktlara uy\u011fun olaraq kreditl\u0259rin verilm\u0259si f\u0259aliyy\u0259tinin h\u0259yata ke\u00e7irilm\u0259si h\u00fcququna malik \u015f\u0259xs t\u0259r\u0259find\u0259n h\u0259yata ke\u00e7iril\u0259 bil\u0259r.<\/p>\n
Madd\u0259 741. Borc verm\u0259k v\u0259 almaq \u00f6hd\u0259liyinin birt\u0259r\u0259fli l\u0259\u011fvi<\/p>\n
741.1. Bu M\u0259c\u0259ll\u0259d\u0259 ayr\u0131 qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borcalan\u0131n \u0259mlak v\u0259ziyy\u0259tinin \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 pisl\u0259\u015fm\u0259si v\u0259 ya borcalan\u0131n borcver\u0259n\u0259 h\u0259r hans\u0131 yanl\u0131\u015f m\u0259lumat verm\u0259si s\u0259b\u0259bind\u0259n borcun vaxt\u0131nda qaytar\u0131lmayaca\u011f\u0131 a\u00e7\u0131q-a\u015fkar b\u0259lli olduqda, yaxud borcalan borcun verilm\u0259si \u00fc\u00e7\u00fcn borc m\u00fcqavil\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f \u00f6hd\u0259liyini icra etm\u0259dikd\u0259, o c\u00fcml\u0259d\u0259n t\u0259minat t\u0259qdim etm\u0259dikd\u0259, borcver\u0259n borc verm\u0259k \u00f6hd\u0259liyini tam v\u0259 ya qism\u0259n icra etm\u0259kd\u0259n birt\u0259r\u0259fli qaydada imtina ed\u0259 bil\u0259r.<\/p>\n
741.2. Borcalan borc m\u00fcqavil\u0259si predmeti ona veril\u0259n\u0259d\u0259k borcun al\u0131nmas\u0131ndan tam v\u0259 ya qism\u0259n birt\u0259r\u0259fli qaydada imtina ed\u0259 bil\u0259r.<\/p>\n
Madd\u0259 742. Borcun qaytar\u0131lmas\u0131<\/p>\n
742.1. Borcalan borcu (h\u0259m\u00e7inin faizl\u0259ri v\u0259 (v\u0259 ya) haqlar\u0131) borc m\u00fcqavil\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulan m\u00fcdd\u0259td\u0259 v\u0259 qaydada (bu M\u0259c\u0259ll\u0259nin 740-c\u0131 madd\u0259si n\u0259z\u0259r\u0259 al\u0131nmaqla) borcver\u0259n\u0259 qaytarmal\u0131d\u0131r. Borc predmeti borcver\u0259n\u0259 v\u0259 ya borcver\u0259nin g\u00f6st\u0259rdiyi \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xs\u0259 verildiyi g\u00fcn, m\u00fcqavil\u0259d\u0259 ayr\u0131 qayda n\u0259z\u0259rd\u0259 tutulmam\u0131\u015fd\u0131rsa, qaytar\u0131lm\u0131\u015f hesab olunur. Borc m\u00fcqavil\u0259sinin predmeti pul v\u0259saiti olduqda v\u0259 na\u011fds\u0131z qaydada qaytar\u0131ld\u0131qda, borcun qaytar\u0131ld\u0131\u011f\u0131 g\u00fcn borc m\u0259bl\u0259\u011finin borcver\u0259nin, yaxud onun g\u00f6st\u0259rdiyi \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsin hesab\u0131na xidm\u0259t g\u00f6st\u0259r\u0259n kredit t\u0259\u015fkilat\u0131n\u0131n v\u0259 ya dig\u0259r \u015f\u0259xsin hesab\u0131na m\u0259daxil edildiyi g\u00fcn hesab olunur. Borcver\u0259nin v\u0259 borcalan\u0131n v\u0259 ya onun g\u00f6st\u0259rdiyi \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsin hesablar\u0131 eyni t\u0259\u015fkilatda olduqda borc v\u0259saitinin borcver\u0259nin v\u0259 ya onun g\u00f6st\u0259rdiyi \u015f\u0259xsin hesab\u0131na m\u0259daxil oldu\u011fu g\u00fcn borcun qaytar\u0131ld\u0131\u011f\u0131 g\u00fcn hesab edilir.<\/p>\n
742.2. \u018fg\u0259r borc m\u00fcqavil\u0259sind\u0259 borcun qaytar\u0131lmas\u0131 \u00fc\u00e7\u00fcn m\u00fcdd\u0259t m\u00fc\u0259yy\u0259n edilm\u0259mi\u015fdirs\u0259, borcver\u0259n borcun qaytar\u0131lmas\u0131n\u0131 ist\u0259nil\u0259n vaxt t\u0259l\u0259b ed\u0259 bil\u0259r. Borcver\u0259nin icra t\u0259l\u0259bini alm\u0131\u015f borcalan bir ay m\u00fcdd\u0259tind\u0259 borcu qaytarmal\u0131, habel\u0259 faizl\u0259ri v\u0259 (v\u0259 ya) haqlar\u0131 \u00f6d\u0259m\u0259lidir, bu \u015f\u0259rtl\u0259 ki, t\u0259r\u0259fl\u0259rin raz\u0131la\u015fmas\u0131 il\u0259 daha uzun m\u00fcdd\u0259t n\u0259z\u0259rd\u0259 tutulmas\u0131n.<\/p>\n
742.3. Bu M\u0259c\u0259ll\u0259d\u0259 ayr\u0131 qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borcalan borcun verildiyi g\u00fcnd\u0259n qaytar\u0131ld\u0131\u011f\u0131 g\u00fcn\u0259d\u0259k hesablanm\u0131\u015f faizl\u0259ri v\u0259 (v\u0259 ya) haqlar\u0131 \u00f6d\u0259m\u0259kl\u0259, borcu vaxt\u0131ndan \u0259vv\u0259l qaytara bil\u0259r.<\/p>\n
742.4. Bu M\u0259c\u0259ll\u0259nin 742.2-ci madd\u0259sind\u0259 g\u00f6st\u0259ril\u0259n m\u00fcdd\u0259t x\u0259b\u0259rdarl\u0131\u011f\u0131n al\u0131nd\u0131\u011f\u0131 vaxtdan hesablan\u0131r.<\/p>\n
742.5. Qanunda v\u0259 ya borc m\u00fcqavil\u0259si il\u0259 borcalan\u0131n xeyrin\u0259 ayr\u0131 qayda n\u0259z\u0259rd\u0259 tutulmay\u0131bsa, borcver\u0259n a\u015fa\u011f\u0131dak\u0131 hallarda m\u00fc\u0259yy\u0259n m\u00fcdd\u0259t\u0259 verilmi\u015f borcun (o c\u00fcml\u0259d\u0259n borcun vaxt\u0131ndan \u0259vv\u0259l t\u0259l\u0259b edildiyi g\u00fcn\u0259d\u0259k borcla ba\u011fl\u0131 borcver\u0259n\u0259 \u00f6d\u0259nilm\u0259li olan faiz v\u0259 (v\u0259 ya) dig\u0259r \u00f6d\u0259ni\u015fl\u0259rin) vaxt\u0131ndan \u0259vv\u0259l qaytar\u0131lmas\u0131n\u0131 t\u0259l\u0259b ed\u0259 bil\u0259r:<\/p>\n
742.5.1. borcalan\u0131n \u0259mlak v\u0259ziyy\u0259tinin \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 pisl\u0259\u015fm\u0259si (o c\u00fcml\u0259d\u0259n m\u00fcqavil\u0259 ba\u011flan\u0131lmazdan \u0259vv\u0259l ba\u015f vermi\u015f v\u0259 m\u00fcqavil\u0259 ba\u011flan\u0131lan anad\u0259k aradan qald\u0131r\u0131lmam\u0131\u015f pisl\u0259\u015fm\u0259 borcver\u0259n\u0259 sonradan m\u0259lum olduqda) v\u0259 ya borcalan\u0131n borcver\u0259n\u0259 h\u0259r hans\u0131 yanl\u0131\u015f m\u0259lumat verm\u0259si s\u0259b\u0259bind\u0259n borcun vaxt\u0131nda qaytar\u0131lmayaca\u011f\u0131n\u0131 g\u00fcman etm\u0259y\u0259 \u0259saslar olduqda;<\/p>\n
742.5.2. borcun hiss\u0259-hiss\u0259 qaytar\u0131lmas\u0131n\u0131 v\u0259 (v\u0259 ya) faizl\u0259rin v\u0259 (v\u0259 ya) haqlar\u0131n hiss\u0259-hiss\u0259 \u00f6d\u0259nilm\u0259sini n\u0259z\u0259rd\u0259 tutan borc m\u00fcqavil\u0259si \u00fczr\u0259 vaxt\u0131 \u00e7atm\u0131\u015f borcun (faizl\u0259r v\u0259 (v\u0259 ya) haqlar daxil olmaqla) 90 (doxsan) g\u00fcn v\u0259 ya daha \u00e7ox m\u00fcdd\u0259t\u0259 gecikdirilm\u0259si yaxud borcun (faizl\u0259r v\u0259 (v\u0259 ya) haqlar daxil olmaqla) \u00f6d\u0259nilm\u0259si m\u00fcdd\u0259tl\u0259rinin ard\u0131c\u0131l olaraq iki d\u0259f\u0259 pozulmas\u0131 (90 (doxsan) g\u00fcnd\u0259n az olmamaqla);<\/p>\n
742.5.3. borcalan borc \u00f6hd\u0259liyinin icras\u0131n\u0131n t\u0259min edilm\u0259si \u00fczr\u0259 v\u0259zif\u0259sini yerin\u0259 yetirm\u0259dikd\u0259, borcver\u0259nin cavabdeh olmad\u0131\u011f\u0131 hallarla \u0259laq\u0259dar t\u0259minat itirildikd\u0259 (m\u0259hv olduqda, xitam verildikd\u0259 v\u0259 s.) v\u0259 yaxud d\u0259y\u0259ri azald\u0131qda (o c\u00fcml\u0259d\u0259n qarant\u0131n v\u0259 ya zaminin \u0259mlak v\u0259ziyy\u0259ti \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 pisl\u0259\u015fdikd\u0259) v\u0259 bu hallarda borcun vaxt\u0131nda qaytar\u0131lmayaca\u011f\u0131n\u0131 g\u00fcman etm\u0259y\u0259 \u0259saslar olduqda;<\/p>\n
742.5.4. borcun t\u0259yinat\u0131 borc m\u00fcqavil\u0259sind\u0259 g\u00f6st\u0259rildiyi halda borcalan borcver\u0259n\u0259 borcun t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259 edilm\u0259sin\u0259 m\u00fcqavil\u0259d\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f qaydada n\u0259zar\u0259t etm\u0259y\u0259 imkan verm\u0259dikd\u0259 v\u0259 ya borc t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259 olunmad\u0131qda.<\/p>\n
\u00a7 2. Kredit m\u00fcqavil\u0259si<\/p>\n
Madd\u0259 743. Kredit m\u00fcqavil\u0259sinin anlay\u0131\u015f\u0131<\/p>\n
743.1. Kredit m\u00fcqavil\u0259sin\u0259 g\u00f6r\u0259 borcver\u0259n pul v\u0259saitin\u0259 m\u00fclkiyy\u0259t h\u00fcququnu m\u00fcqavil\u0259d\u0259 g\u00f6st\u0259ril\u0259n m\u0259bl\u0259\u011fd\u0259 v\u0259 \u015f\u0259rtl\u0259rl\u0259 borcalana verm\u0259yi, borcalan is\u0259 ald\u0131\u011f\u0131 pul v\u0259saitini m\u00fcqavil\u0259d\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f m\u00fcdd\u0259t\u0259 faizl\u0259rin v\u0259 (v\u0259 ya) m\u00fcqavil\u0259d\u0259 g\u00f6st\u0259ril\u0259n dig\u0259r \u00f6d\u0259ni\u015fl\u0259rin \u00f6d\u0259nilm\u0259si \u015f\u0259rtil\u0259 borcver\u0259n\u0259 qaytarma\u011f\u0131 \u00f6hd\u0259sin\u0259 g\u00f6t\u00fcr\u00fcr. Kredit m\u00fcqavil\u0259si \u00fczr\u0259 borcver\u0259n yaln\u0131z normativ h\u00fcquqi aktlara uy\u011fun olaraq kreditl\u0259rin verilm\u0259si f\u0259aliyy\u0259tinin h\u0259yata ke\u00e7irilm\u0259si h\u00fcququna malik \u015f\u0259xs ola bil\u0259r.<\/p>\n
743.2. Bu M\u0259c\u0259ll\u0259nin bu paraqraf\u0131n\u0131n m\u00fcdd\u0259alar\u0131ndan ayr\u0131 qayda ir\u0259li g\u0259lmirs\u0259, kredit m\u00fcqavil\u0259sin\u0259 bu M\u0259c\u0259ll\u0259nin borc m\u00fcqavil\u0259si haqq\u0131nda m\u00fcdd\u0259alar\u0131 m\u00fcvafiq sur\u0259td\u0259 t\u0259tbiq edilir.<\/p>\n
743.3. Az\u0259rbaycan Respublikas\u0131n\u0131n ad\u0131ndan borc al\u0131nmas\u0131, habel\u0259 ixtisasla\u015fm\u0131\u015f d\u00f6vl\u0259t qurumlar\u0131n\u0131n v\u0259 Az\u0259rbaycan Respublikas\u0131 M\u0259rk\u0259zi Bank\u0131n\u0131n v\u0259saitl\u0259ri hesab\u0131na, el\u0259c\u0259 d\u0259 lombardlar t\u0259r\u0259find\u0259n kreditl\u0259rin verilm\u0259si m\u00fcvafiq h\u00fcquqi aktlara uy\u011fun olaraq h\u0259yata ke\u00e7irilir. Kreditl\u0259rin verilm\u0259si il\u0259 ba\u011fl\u0131 h\u0259min h\u00fcquqi aktlarla t\u0259nziml\u0259nm\u0259y\u0259n m\u0259s\u0259l\u0259l\u0259r bu M\u0259c\u0259ll\u0259y\u0259 uy\u011fun olaraq t\u0259nziml\u0259nir.<\/p>\n
Madd\u0259 744. Kredit m\u00fcqavil\u0259sinin ba\u011flanma qaydas\u0131 v\u0259 m\u0259zmunu<\/p>\n
744.1. Kredit m\u00fcqavil\u0259si t\u0259r\u0259fl\u0259r aras\u0131nda yaz\u0131l\u0131 formada ba\u011flan\u0131l\u0131r v\u0259 kredit m\u00fcqavil\u0259sinin bir n\u00fcsx\u0259si borcalana verilir.<\/p>\n
744.2. Kredit m\u00fcqavil\u0259sind\u0259 \u0259n az\u0131 a\u015fa\u011f\u0131dak\u0131lar g\u00f6st\u0259rilm\u0259lidir:<\/p>\n
744.2.1. borcver\u0259nin ad\u0131 v\u0259 \u00fcnvan\u0131;<\/p>\n
744.2.2. borcalan\u0131n ad\u0131 v\u0259 \u00fcnvan\u0131;<\/p>\n
744.2.3. kreditin m\u0259bl\u0259\u011fi v\u0259 valyutas\u0131;<\/p>\n
744.2.4. kreditin qaytar\u0131lma m\u00fcdd\u0259ti v\u0259 \u00f6d\u0259ni\u015f \u015f\u0259rtl\u0259ri;<\/p>\n
744.2.5. kreditin t\u0259yinat\u0131;<\/p>\n
744.2.6. kredit \u00fczr\u0259 t\u0259tbiq edil\u0259n faizl\u0259rin illik d\u0259r\u0259c\u0259si v\u0259 (v\u0259 ya) dig\u0259r \u00f6d\u0259ni\u015fl\u0259rin m\u0259bl\u0259\u011fi, h\u0259m\u00e7inin faktiki illik faiz d\u0259r\u0259c\u0259si (m\u00fcqavil\u0259 \u00fczr\u0259 d\u0259yi\u015f\u0259n faiz d\u0259r\u0259c\u0259si \u015f\u0259rtl\u0259\u015fdirildikd\u0259, ilkin faktiki illik faiz d\u0259r\u0259c\u0259si);<\/p>\n
744.2.7. t\u0259tbiq edildikd\u0259, kredit \u00fczr\u0259 faizl\u0259rin tutulmad\u0131\u011f\u0131 m\u00fcdd\u0259t bar\u0259d\u0259 ayd\u0131n v\u0259 d\u0259qiq m\u0259lumat.<\/p>\n
744.3. Bu M\u0259c\u0259ll\u0259nin 743.3-c\u00fc madd\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f hallar istisna olmaqla kredit m\u00fcqavil\u0259si \u00fczr\u0259 faktiki illik faiz d\u0259r\u0259c\u0259si Az\u0259rbaycan Respublikas\u0131 M\u0259rk\u0259zi Bank\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi qaydaya uy\u011fun olaraq hesablan\u0131r.<\/p>\n
Madd\u0259 745. Kredit m\u00fcqavil\u0259sinin x\u00fcsusiyy\u0259tl\u0259ri<\/p>\n
745.1. Bu M\u0259c\u0259ll\u0259nin 742.5.3-c\u00fc madd\u0259si kredit \u00f6hd\u0259liyinin icras\u0131 t\u0259minat\u0131n\u0131n itirilm\u0259si v\u0259 yaxud d\u0259y\u0259rinin azalmas\u0131 hallar\u0131na yaln\u0131z bu \u015f\u0259rtl\u0259 t\u0259tbiq edilir ki, borcalan kredit m\u00fcqavil\u0259sind\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f m\u00fcdd\u0259td\u0259 t\u0259minat\u0131 \u0259v\u0259z etm\u0259mi\u015f v\u0259 ya \u0259lav\u0259 t\u0259minat t\u0259qdim etm\u0259mi\u015f olsun.<\/p>\n
745.2. Kredit m\u00fcqavil\u0259si \u00fczr\u0259 borcalan t\u0259r\u0259find\u0259n \u00f6hd\u0259lik vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259nil\u0259rs\u0259, borcver\u0259n bu M\u0259c\u0259ll\u0259y\u0259 uy\u011fun olaraq z\u0259r\u0259rin \u0259v\u0259zinin \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn kompensasiya \u00f6d\u0259nilm\u0259sini yaln\u0131z kredit m\u00fcqavil\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulduqda t\u0259l\u0259b ed\u0259 bil\u0259r.<\/p>\n
745.3. Bu M\u0259c\u0259ll\u0259nin 740.7-ci madd\u0259si kredit m\u00fcqavil\u0259l\u0259rind\u0259n ir\u0259li g\u0259l\u0259n m\u00fcnasib\u0259tl\u0259r\u0259 bu \u015f\u0259rtl\u0259 t\u0259tbiq edilir ki, \u00f6d\u0259ni\u015f \u0259m\u0259liyyat g\u00fcn\u00fcn\u00fcn (borcver\u0259nin \u00f6d\u0259ni\u015fl\u0259rin q\u0259bulu \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n etdiyi vaxt) sonuna kimi h\u0259yata ke\u00e7irilmi\u015f olsun. Borcver\u0259n t\u0259r\u0259find\u0259n kredit m\u00fcqavil\u0259sind\u0259 daha q\u0131sa m\u00fcdd\u0259t m\u00fc\u0259yy\u0259n edilm\u0259mi\u015fdirs\u0259, \u0259m\u0259liyyat g\u00fcn\u00fc bitdikd\u0259n sonra \u00f6d\u0259ni\u015f terminal\u0131 vasit\u0259sil\u0259 v\u0259 ya dig\u0259r \u00fcsulla h\u0259yata ke\u00e7iril\u0259n \u00f6d\u0259ni\u015f n\u00f6vb\u0259ti i\u015f g\u00fcn\u00fcnd\u0259n gec olmayaraq h\u0259yata ke\u00e7iril\u0259n \u00f6d\u0259ni\u015f hesab edilir.<\/p>\n
745.4. Borcver\u0259nin kredit m\u00fcqavil\u0259sind\u0259n ir\u0259li g\u0259l\u0259n t\u0259l\u0259bl\u0259ri \u00fczr\u0259 iddia m\u00fcdd\u0259ti bir ildir.<\/p>\n
745.5. Kredit m\u00fcqavil\u0259sind\u0259 ayr\u0131 hal n\u0259z\u0259rd\u0259 tutulmay\u0131bsa (daha yuxar\u0131 m\u0259bl\u0259\u011fin m\u00fc\u0259yy\u0259nl\u0259\u015fdirilm\u0259si istisna olmaqla), kredit \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259rin gecikdirilm\u0259sin\u0259 g\u00f6r\u0259 faizl\u0259r (gecikdirilm\u0259 faizl\u0259ri) kredit m\u00fcqavil\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulan illik faiz d\u0259r\u0259c\u0259sin\u0259 pul \u00f6hd\u0259liyinin v\u0259 ya onun m\u00fcvafiq hiss\u0259sinin icra edilm\u0259 g\u00fcn\u00fc \u00fc\u00e7\u00fcn Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131 t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edil\u0259n u\u00e7ot d\u0259r\u0259c\u0259si \u0259lav\u0259 edilm\u0259kl\u0259 hesablan\u0131r. Bu madd\u0259d\u0259 m\u00fc\u0259yy\u0259n edil\u0259n h\u0259dd\u0259 gecikdirilm\u0259 faizl\u0259ri t\u0259tbiq edildikd\u0259, \u0259lav\u0259 d\u0259bb\u0259 pulu (c\u0259rim\u0259, penya) v\u0259 ya dig\u0259r formada h\u0259r hans\u0131 \u00f6d\u0259ni\u015f t\u0259l\u0259b edil\u0259 bilm\u0259z.<\/p>\n
745.6. \u018fg\u0259r kredit \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259rin gecikdirilm\u0259sin\u0259 g\u00f6r\u0259 borcver\u0259n\u0259 d\u0259y\u0259n z\u0259r\u0259r bu M\u0259c\u0259ll\u0259nin 745.5-ci madd\u0259sin\u0259 \u0259sas\u0259n ona \u00e7atas\u0131 faizl\u0259rin m\u0259bl\u0259\u011find\u0259n \u00e7oxdursa, borcver\u0259n borcalandan h\u0259min m\u0259bl\u0259\u011fd\u0259n \u00e7ox olan hiss\u0259d\u0259 z\u0259r\u0259rin \u0259v\u0259zini \u00f6d\u0259m\u0259yi m\u0259hk\u0259m\u0259 qaydas\u0131nda v\u0259 ya z\u0259r\u0259rin ba\u015f verdiyi tarixd\u0259n sonra borcalanla ayr\u0131ca raz\u0131l\u0131q \u0259ld\u0259 etm\u0259kl\u0259 t\u0259l\u0259b ed\u0259 bil\u0259r.<\/p>\n
\u00a7 3. \u0130stehlak krediti m\u00fcqavil\u0259si<\/p>\n
Madd\u0259 746. \u0130stehlak krediti m\u00fcqavil\u0259sinin anlay\u0131\u015f\u0131<\/p>\n
746.1. \u0130stehlak krediti m\u00fcqavil\u0259sin\u0259 g\u00f6r\u0259 borcver\u0259n sahibkarl\u0131q v\u0259 ya pe\u015f\u0259 f\u0259aliyy\u0259ti il\u0259 ba\u011fl\u0131 olmayan m\u0259qs\u0259dl\u0259r \u00fc\u00e7\u00fcn fiziki \u015f\u0259xs olan borcalana (bundan sonra \u2013 istehlak\u00e7\u0131) pul v\u0259saitini borc verm\u0259yi, istehlak\u00e7\u0131 is\u0259 ald\u0131\u011f\u0131 borcu faizl\u0259r v\u0259 (v\u0259 ya) m\u00fcqavil\u0259d\u0259 g\u00f6st\u0259ril\u0259n dig\u0259r \u00f6d\u0259ni\u015fl\u0259rin \u00f6d\u0259nilm\u0259si \u015f\u0259rtil\u0259 m\u00fcqavil\u0259 il\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f qaydada v\u0259 m\u00fcdd\u0259td\u0259 qaytarma\u011f\u0131 \u00f6hd\u0259sin\u0259 g\u00f6t\u00fcr\u00fcr.<\/p>\n
746.2. Bu M\u0259c\u0259ll\u0259nin bu paraqraf\u0131n\u0131n m\u00fcdd\u0259alar\u0131 a\u015fa\u011f\u0131dak\u0131 m\u00fcqavil\u0259l\u0259r\u0259 \u015famil edilmir:<\/p>\n
746.2.1. da\u015f\u0131nmaz \u0259mlaka dair h\u00fcquqlar\u0131n \u0259ld\u0259 edilm\u0259si il\u0259 ba\u011fl\u0131 v\u0259 ya da\u015f\u0131nmaz \u0259mlak\u0131n ipotekas\u0131 il\u0259 t\u0259min edil\u0259n kredit m\u00fcqavil\u0259l\u0259rin\u0259;<\/p>\n
746.2.2. kredit m\u00fcqavil\u0259sinin ba\u011fland\u0131\u011f\u0131 anda m\u0259bl\u0259\u011fi \u00f6lk\u0259 \u00fczr\u0259 m\u00fc\u0259yy\u0259n olunmu\u015f minimum ayl\u0131q \u0259m\u0259khaqq\u0131 m\u0259bl\u0259\u011find\u0259n a\u015fa\u011f\u0131 v\u0259 ya h\u0259min m\u0259bl\u0259\u011fin 300 (\u00fc\u00e7 y\u00fcz) mislind\u0259n \u00e7ox olan m\u00fcqavil\u0259l\u0259r\u0259;<\/p>\n
746.2.3. 90 (doxsan) g\u00fcn m\u00fcdd\u0259tin\u0259d\u0259k bank hesab\u0131n\u0131n kreditl\u0259\u015fdirilm\u0259sin\u0259;<\/p>\n
746.2.4. kredit ittifaqlar\u0131n\u0131n \u00f6z \u00fczvl\u0259rin\u0259 verdiyi kreditl\u0259r \u00fczr\u0259 m\u00fcqavil\u0259l\u0259r\u0259;<\/p>\n
746.2.5. bu M\u0259c\u0259ll\u0259nin 743.1-ci madd\u0259sin\u0259 uy\u011fun olaraq kreditl\u0259rin verilm\u0259si f\u0259aliyy\u0259tini h\u0259yata ke\u00e7ir\u0259n borcver\u0259nin \u00f6z i\u015f\u00e7il\u0259rin\u0259 verdiyi kreditl\u0259r \u00fczr\u0259 m\u00fcqavil\u0259l\u0259r\u0259;<\/p>\n
746.2.6. investisiya xidm\u0259tl\u0259rini h\u0259yata ke\u00e7ir\u0259n t\u0259\u015fkilatlar t\u0259r\u0259find\u0259n qiym\u0259tli ka\u011f\u0131zlar v\u0259 ya t\u00f6r\u0259m\u0259 maliyy\u0259 al\u0259tl\u0259ri il\u0259 onlar\u0131n h\u0259yata ke\u00e7irdiyi \u0259qdl\u0259rin ba\u011flanmas\u0131 \u00fc\u00e7\u00fcn veril\u0259n kreditl\u0259r \u00fczr\u0259 m\u00fcqavil\u0259l\u0259r\u0259;<\/p>\n
746.2.7. m\u0259hk\u0259m\u0259 v\u0259 ya mediasiya vasit\u0259sil\u0259 ba\u011flanan bar\u0131\u015f\u0131q sazi\u015fin\u0259 \u0259sas\u0259n ba\u011flanm\u0131\u015f kredit m\u00fcqavil\u0259l\u0259rin\u0259;<\/p>\n
746.2.8. kredit borcunun v\u0259 dig\u0259r \u00f6d\u0259ni\u015fl\u0259rin yeni m\u00fcdd\u0259t\u0259 \u00f6d\u0259nilm\u0259sini n\u0259z\u0259rd\u0259 tutan v\u0259 faizsiz m\u00fc\u0259yy\u0259n edil\u0259n restrukturizasiya m\u00fcqavil\u0259l\u0259rin\u0259;<\/p>\n
746.2.9. \u00f6hd\u0259liyin icras\u0131 borcver\u0259nin sahibliyin\u0259 veril\u0259n \u0259\u015fya il\u0259 t\u0259min edil\u0259n v\u0259 istehlak\u00e7\u0131n\u0131n \u00f6hd\u0259liyinin yaln\u0131z h\u0259min \u0259\u015fya il\u0259 m\u0259hdudla\u015fmas\u0131n\u0131 n\u0259z\u0259rd\u0259 tutan kreditl\u0259r \u00fczr\u0259 m\u00fcqavil\u0259l\u0259r\u0259.<\/p>\n
746.3. Bu M\u0259c\u0259ll\u0259nin bu paraqraf\u0131n\u0131n m\u00fcdd\u0259alar\u0131ndan ayr\u0131 qayda ir\u0259li g\u0259lmirs\u0259 istehlak krediti m\u00fcqavil\u0259sin\u0259 bu M\u0259c\u0259ll\u0259nin borc m\u00fcqavil\u0259si v\u0259 kredit m\u00fcqavil\u0259si haqq\u0131nda m\u00fcdd\u0259alar\u0131 m\u00fcvafiq sur\u0259td\u0259 t\u0259tbiq edilir.<\/p>\n
Madd\u0259 746-1. \u0130stehlak krediti m\u00fcqavil\u0259si \u00fczr\u0259 ilkin m\u0259lumatland\u0131rma<\/p>\n
746-1.1. \u0130stehlak krediti m\u00fcqavil\u0259sinin ba\u011flan\u0131lmas\u0131ndan \u0259vv\u0259l borcver\u0259n a\u015fa\u011f\u0131dak\u0131lar bar\u0259d\u0259 m\u0259lumatlar\u0131 ka\u011f\u0131z v\u0259 ya dig\u0259r davaml\u0131 da\u015f\u0131y\u0131c\u0131da (m\u0259lumat\u0131n m\u0259qs\u0259dl\u0259rin\u0259 uy\u011fun m\u00fcdd\u0259t \u0259rzind\u0259 saxlan\u0131lmas\u0131na imkan ver\u0259n v\u0259 saxlan\u0131lan m\u0259lumat\u0131n d\u0259yi\u015fiklik olmadan \u0259ks etdirilm\u0259si m\u00fcmk\u00fcn olan ist\u0259nil\u0259n vasit\u0259) istehlak\u00e7\u0131ya t\u0259qdim etm\u0259lidir:<\/p>\n
746-1.1.1. kreditin n\u00f6v\u00fc;<\/p>\n
746-1.1.2. borcver\u0259nin ad\u0131 v\u0259 \u00fcnvan\u0131;<\/p>\n
746-1.1.3. kreditin m\u0259bl\u0259\u011fi v\u0259 valyutas\u0131;<\/p>\n
746-1.1.4. kreditin qaytar\u0131lma m\u00fcdd\u0259ti v\u0259 \u00f6d\u0259ni\u015f \u015f\u0259rtl\u0259ri;<\/p>\n
746-1.1.5. kredit m\u00fc\u0259yy\u0259n mal\u0131n al\u0131nmas\u0131 v\u0259 ya xidm\u0259tin g\u00f6st\u0259rilm\u0259si il\u0259 \u0259laq\u0259dar olaraq \u0259laq\u0259li kredit m\u00fcqavil\u0259si vasit\u0259sil\u0259 verildikd\u0259, h\u0259min mal v\u0259 ya xidm\u0259t v\u0259 onun na\u011fd qiym\u0259ti (mal\u0131n v\u0259 ya xidm\u0259tin al\u0131nmas\u0131 zaman\u0131 bird\u0259f\u0259lik \u00f6d\u0259ni\u015f edildikd\u0259);<\/p>\n
746-1.1.6. kredit \u00fczr\u0259 t\u0259tbiq edil\u0259n faizl\u0259rin illik d\u0259r\u0259c\u0259si v\u0259 (v\u0259 ya) dig\u0259r \u00f6d\u0259ni\u015fl\u0259rin m\u0259bl\u0259\u011fi v\u0259 onlar\u0131n t\u0259tbiq edilm\u0259 \u015f\u0259rtl\u0259ri, h\u0259m\u00e7inin faktiki illik faiz d\u0259r\u0259c\u0259si;<\/p>\n
746-1.1.7. t\u0259tbiq edildikd\u0259, kredit \u00fczr\u0259 faizl\u0259rin tutulmad\u0131\u011f\u0131 m\u00fcdd\u0259t bar\u0259d\u0259 ayd\u0131n v\u0259 d\u0259qiq m\u0259lumat;<\/p>\n
746-1.1.8. istehlak\u00e7\u0131 t\u0259r\u0259find\u0259n edilm\u0259li olan \u00f6d\u0259ni\u015fl\u0259rin m\u0259bl\u0259\u011fi, say\u0131 v\u0259 d\u00f6vriliyi, habel\u0259 yet\u0259rli miqdarda olmayan v\u0259 ya art\u0131q miqdarda edil\u0259n \u00f6d\u0259ni\u015fl\u0259rin \u00f6hd\u0259liyin icras\u0131ndan silinm\u0259 ard\u0131c\u0131ll\u0131\u011f\u0131;<\/p>\n
746-1.1.9. t\u0259tbiq edildikd\u0259 (hesab\u0131n a\u00e7\u0131lmas\u0131 z\u0259ruri olmayan hallar istisna olmaqla), \u00f6d\u0259ni\u015f v\u0259 na\u011fdla\u015fd\u0131rma \u0259m\u0259liyyatlar\u0131n\u0131n qeydiyyat\u0131n\u0131 aparan bir v\u0259 ya bir ne\u00e7\u0259 hesab\u0131n saxlanma x\u0259rcl\u0259ri, o c\u00fcml\u0259d\u0259n \u00f6d\u0259ni\u015f v\u0259 na\u011fdla\u015fd\u0131rma \u0259m\u0259liyyatlar\u0131 \u00fc\u00e7\u00fcn \u00f6d\u0259ni\u015f vasit\u0259l\u0259rind\u0259n istifad\u0259 x\u0259rcl\u0259ri, kredit m\u00fcqavil\u0259sind\u0259n ir\u0259li g\u0259l\u0259n dig\u0259r x\u0259rcl\u0259r v\u0259 bu x\u0259rcl\u0259rin d\u0259yi\u015fdirilm\u0259 \u015f\u0259rtl\u0259ri;<\/p>\n
746-1.1.10. t\u0259tbiq edildikd\u0259, kredit m\u00fcqavil\u0259sinin ba\u011flan\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 istehlak\u00e7\u0131 t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259li olan notarial x\u0259rcl\u0259rin m\u00f6vcudlu\u011fu;<\/p>\n
746-1.1.11. kreditin al\u0131nmas\u0131 \u00fc\u00e7\u00fcn \u0259lav\u0259 xidm\u0259t m\u00fcqavil\u0259sinin, o c\u00fcml\u0259d\u0259n s\u0131\u011forta m\u00fcqavil\u0259sinin ba\u011flan\u0131lmas\u0131 m\u0259cburi oldu\u011fu hallarda istehlak\u00e7\u0131n\u0131n istehlak krediti m\u00fcqavil\u0259si il\u0259 ba\u011fl\u0131 bel\u0259 m\u00fcqavil\u0259ni ba\u011flamaq v\u0259zif\u0259si;<\/p>\n
746-1.1.12. istehlak\u00e7\u0131n\u0131n \u00f6d\u0259ni\u015fl\u0259rini vaxt\u0131nda etm\u0259m\u0259sinin h\u00fcquqi n\u0259tic\u0259l\u0259ri;<\/p>\n
746-1.1.13. t\u0259tbiq edildikd\u0259, gecikmi\u015f \u00f6d\u0259m\u0259l\u0259r\u0259 t\u0259tbiq edil\u0259n zaman \u00f6d\u0259nilm\u0259li olan d\u0259bb\u0259 pulu;<\/p>\n
746-1.1.14. t\u0259tbiq edildikd\u0259, kreditin verilm\u0259si \u00fc\u00e7\u00fcn t\u0259l\u0259b olunan t\u0259minatlar;<\/p>\n
746-1.1.15. istehlak\u00e7\u0131n\u0131n istehlak krediti m\u00fcqavil\u0259sind\u0259n imtina h\u00fcququ, bel\u0259 bir h\u00fcququn h\u0259yata ke\u00e7irildiyi m\u00fcdd\u0259t v\u0259 \u015f\u0259rtl\u0259r;<\/p>\n
746-1.1.16. istehlak\u00e7\u0131n\u0131n istehlak kreditini vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259m\u0259k h\u00fcququ v\u0259 t\u0259tbiq edildikd\u0259, borcver\u0259nin kompensasiya h\u00fcququ, kompensasiyan\u0131n m\u0259bl\u0259\u011fi v\u0259 m\u00fc\u0259yy\u0259n edilm\u0259si qaydas\u0131;<\/p>\n
746-1.1.17. t\u0259tbiq edildikd\u0259, borcver\u0259nin bu M\u0259c\u0259ll\u0259nin 742.5-ci madd\u0259sind\u0259 g\u00f6st\u0259ril\u0259n borcun vaxt\u0131ndan \u0259vv\u0259l qaytar\u0131lmas\u0131n\u0131 t\u0259l\u0259b ed\u0259 bildiyi hallar;<\/p>\n
746-1.1.18. \u00f6d\u0259m\u0259 qabiliyy\u0259tinin qiym\u0259tl\u0259ndirilm\u0259si m\u0259qs\u0259dil\u0259 kredit b\u00fcrolar\u0131ndan al\u0131nm\u0131\u015f m\u0259lumatlar \u0259sas\u0131nda istehlak\u00e7\u0131ya kredit verilm\u0259sind\u0259n imtina edildikd\u0259, bu bar\u0259d\u0259 istehlak\u00e7\u0131n\u0131n \u00f6d\u0259ni\u015fsiz olaraq m\u0259lumat almaq h\u00fcququ;<\/p>\n
746-1.1.19. istehlak\u00e7\u0131n\u0131n m\u00fcraci\u0259ti \u0259sas\u0131nda m\u00fcqavil\u0259 layih\u0259sinin sur\u0259tini borcver\u0259nd\u0259n \u00f6d\u0259ni\u015fsiz almaq h\u00fcququ;<\/p>\n
746-1.1.20. borcver\u0259nin verdiyi m\u0259lumatlar\u0131n q\u00fcvv\u0259d\u0259 oldu\u011fu m\u00fcdd\u0259t.<\/p>\n
746-1.2. Bu M\u0259c\u0259ll\u0259nin 746-1.1-ci madd\u0259sind\u0259 g\u00f6st\u0259ril\u0259n m\u0259lumatlar standart m\u0259lumatland\u0131rma formas\u0131nda \u0259ks etdirilir. Standart m\u0259lumatland\u0131rma formas\u0131 Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131 t\u0259r\u0259find\u0259n t\u0259sdiq edilir.<\/p>\n
746-1.3. Borcver\u0259n t\u0259r\u0259find\u0259n standart m\u0259lumatland\u0131rma formas\u0131na kreditl\u0259 ba\u011fl\u0131 dig\u0259r m\u0259lumatlar da daxil edil\u0259 bil\u0259r.<\/p>\n
746-1.4. Borcver\u0259n t\u0259r\u0259find\u0259n veril\u0259n m\u0259lumatlar ayd\u0131n v\u0259 ba\u015fa d\u00fc\u015f\u00fcl\u0259n \u015f\u0259kild\u0259 ifad\u0259 edilm\u0259lidir.<\/p>\n
746-1.5. M\u0259saf\u0259li istehlak krediti m\u00fcqavil\u0259sinin ba\u011flanmas\u0131 \u00fc\u00e7\u00fcn rabit\u0259 vasit\u0259si kimi s\u0259sli rabit\u0259 vasit\u0259si (telefon z\u0259ngi, video z\u0259ng v\u0259 s.) istifad\u0259 edildikd\u0259, borcver\u0259n z\u0259ngin \u0259vv\u0259lind\u0259 yaln\u0131z a\u015fa\u011f\u0131dak\u0131 m\u0259lumatlar\u0131 istehlak\u00e7\u0131ya t\u0259qdim edir:<\/p>\n
746-1.5.1. borcver\u0259nin ad\u0131 v\u0259 z\u0259ngin m\u0259qs\u0259di;<\/p>\n
746-1.5.2. istehlak\u00e7\u0131 il\u0259 \u0259laq\u0259 saxlayan \u015f\u0259xsin ad\u0131, soyad\u0131 v\u0259 borcver\u0259nl\u0259 \u0259laq\u0259si;<\/p>\n
746-1.5.3. t\u0259klif olunan xidm\u0259tin istehlak krediti olmas\u0131;<\/p>\n
746-1.5.4. t\u0259klif olunan istehlak kreditinin m\u0259bl\u0259\u011fi, kredit \u00fczr\u0259 \u00f6d\u0259nil\u0259n faizl\u0259rin illik d\u0259r\u0259c\u0259si v\u0259 faktiki illik faiz d\u0259r\u0259c\u0259si;<\/p>\n
746-1.5.5. t\u0259klif olunan istehlak krediti il\u0259 ba\u011fl\u0131 istehlak\u00e7\u0131n\u0131n \u00fcz\u0259rin\u0259 d\u00fc\u015f\u0259c\u0259k \u0259lav\u0259 x\u0259rcl\u0259rinin ola bil\u0259c\u0259yi bar\u0259d\u0259 qeyd;<\/p>\n
746-1.5.6. istehlak\u00e7\u0131n\u0131n istehlak krediti m\u00fcqavil\u0259sind\u0259n imtina h\u00fcququ, bel\u0259 bir h\u00fcququn h\u0259yata ke\u00e7irildiyi m\u00fcdd\u0259t v\u0259 \u015f\u0259rtl\u0259r;<\/p>\n
746-1.5.7. borcver\u0259nin verdiyi m\u0259lumatlar\u0131n q\u00fcvv\u0259d\u0259 oldu\u011fu m\u00fcdd\u0259t.<\/p>\n
746-1.6. Bu M\u0259c\u0259ll\u0259nin 746-1.5-ci madd\u0259si t\u0259tbiq edildikd\u0259, borcver\u0259n bu M\u0259c\u0259ll\u0259nin 746-1.1-ci madd\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f qaydada h\u0259min madd\u0259d\u0259 g\u00f6st\u0259ril\u0259n dig\u0259r m\u0259lumatlar\u0131n istehlak\u00e7\u0131n\u0131n m\u00fcraci\u0259ti \u0259sas\u0131nda ona t\u0259qdim edilm\u0259sinin m\u00fcmk\u00fcnl\u00fcy\u00fc bar\u0259d\u0259 istehlak\u00e7\u0131n\u0131 m\u0259lumatland\u0131r\u0131r v\u0259 istehlak\u00e7\u0131n\u0131n m\u00fcraci\u0259ti \u0259sas\u0131nda h\u0259min m\u0259lumatlar\u0131n t\u0259qdim edilm\u0259sini t\u0259min edir.<\/p>\n
746-1.7. \u0130stehlak\u00e7\u0131 bu M\u0259c\u0259ll\u0259nin 746-1.1.18-ci madd\u0259sind\u0259 g\u00f6st\u0259ril\u0259n h\u00fcququndan istifad\u0259 ed\u0259r\u0259k borcver\u0259n\u0259 m\u00fcraci\u0259t ed\u0259rs\u0259, borcver\u0259n m\u00fcvafiq m\u0259lumat\u0131 n\u00f6vb\u0259ti i\u015f g\u00fcn\u00fcnd\u0259n gec olmayaraq istehlak\u00e7\u0131ya yaz\u0131l\u0131 \u015f\u0259kild\u0259 t\u0259qdim etm\u0259lidir.<\/p>\n
Madd\u0259 746-2. \u0130stehlak krediti m\u00fcqavil\u0259sinin ba\u011flanma qaydas\u0131 v\u0259<\/p>\n
m\u0259zmunu<\/p>\n
746-2.1. \u0130stehlak krediti m\u00fcqavil\u0259si yaz\u0131l\u0131 formada ka\u011f\u0131z v\u0259 ya dig\u0259r davaml\u0131 da\u015f\u0131y\u0131c\u0131da t\u0259rtib edilir.<\/p>\n
746-2.2. \u0130stehlak krediti m\u00fcqavil\u0259sind\u0259 a\u015fa\u011f\u0131dak\u0131lar ayd\u0131n v\u0259 d\u0259qiq \u015f\u0259kild\u0259 g\u00f6st\u0259rilir:<\/p>\n
746-2.2.1. kreditin n\u00f6v\u00fc;<\/p>\n
746-2.2.2. t\u0259r\u0259fl\u0259rin ad\u0131 v\u0259 \u00fcnvan\u0131;<\/p>\n
746-2.2.3. kreditin m\u0259bl\u0259\u011fi v\u0259 valyutas\u0131;<\/p>\n
746-2.2.4. kreditin qaytar\u0131lma m\u00fcdd\u0259ti v\u0259 \u00f6d\u0259ni\u015f \u015f\u0259rtl\u0259ri;<\/p>\n
746-2.2.5. kredit m\u00fc\u0259yy\u0259n mal\u0131n al\u0131nmas\u0131 v\u0259 ya xidm\u0259tin g\u00f6st\u0259rilm\u0259si il\u0259 \u0259laq\u0259dar olaraq \u0259laq\u0259li kredit m\u00fcqavil\u0259si vasit\u0259sil\u0259 verildikd\u0259, h\u0259min mal v\u0259 ya xidm\u0259t v\u0259 onun na\u011fd qiym\u0259ti (mal\u0131n v\u0259 ya xidm\u0259tin al\u0131nmas\u0131 zaman\u0131 bird\u0259f\u0259lik \u00f6d\u0259ni\u015f edildikd\u0259);<\/p>\n
746-2.2.6. kredit \u00fczr\u0259 t\u0259tbiq edil\u0259n faizl\u0259rin illik d\u0259r\u0259c\u0259si v\u0259 (v\u0259 ya) dig\u0259r \u00f6d\u0259ni\u015fl\u0259rin m\u0259bl\u0259\u011fi v\u0259 onlar\u0131n t\u0259tbiq edilm\u0259 \u015f\u0259rtl\u0259ri, h\u0259m\u00e7inin faktiki illik faiz d\u0259r\u0259c\u0259si v\u0259 onun hesablanmas\u0131na daxil edil\u0259n b\u00fct\u00fcn \u00f6d\u0259ni\u015fl\u0259r;<\/p>\n
746-2.2.7. t\u0259tbiq edildikd\u0259, kredit \u00fczr\u0259 faizl\u0259rin tutulmad\u0131\u011f\u0131 m\u00fcdd\u0259t bar\u0259d\u0259 ayd\u0131n v\u0259 d\u0259qiq m\u0259lumat;<\/p>\n
746-2.2.8. istehlak\u00e7\u0131 t\u0259r\u0259find\u0259n edilm\u0259li olan \u00f6d\u0259ni\u015fl\u0259rin m\u0259bl\u0259\u011fi, say\u0131 v\u0259 d\u00f6vriliyi, habel\u0259 yet\u0259rli miqdarda olmayan v\u0259 ya art\u0131q miqdarda edil\u0259n \u00f6d\u0259ni\u015fl\u0259rin \u00f6hd\u0259liyin icras\u0131ndan silinm\u0259 ard\u0131c\u0131ll\u0131\u011f\u0131;<\/p>\n
746-2.2.9. t\u0259tbiq edildikd\u0259 (hesab\u0131n a\u00e7\u0131lmas\u0131 z\u0259ruri olmayan hallar istisna olmaqla), \u00f6d\u0259ni\u015f v\u0259 na\u011fdla\u015fd\u0131rma \u0259m\u0259liyyatlar\u0131n\u0131n qeydiyyat\u0131n\u0131 aparan bir v\u0259 ya bir ne\u00e7\u0259 hesab\u0131n saxlanma x\u0259rcl\u0259ri, o c\u00fcml\u0259d\u0259n \u00f6d\u0259ni\u015f v\u0259 na\u011fdla\u015fd\u0131rma \u0259m\u0259liyyatlar\u0131 \u00fc\u00e7\u00fcn \u00f6d\u0259ni\u015f vasit\u0259l\u0259rind\u0259n istifad\u0259 x\u0259rcl\u0259ri, kredit m\u00fcqavil\u0259sind\u0259n ir\u0259li g\u0259l\u0259n dig\u0259r x\u0259rcl\u0259r v\u0259 bu x\u0259rcl\u0259rin d\u0259yi\u015fdirilm\u0259 \u015f\u0259rtl\u0259ri;<\/p>\n
746-2.2.10. t\u0259tbiq edildikd\u0259, kredit m\u00fcqavil\u0259sinin ba\u011flan\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 istehlak\u00e7\u0131 t\u0259r\u0259find\u0259n \u00f6d\u0259nilm\u0259li olan notarial x\u0259rcl\u0259r;<\/p>\n
746-2.2.11. istehlak\u00e7\u0131n\u0131n \u00f6d\u0259ni\u015fl\u0259rini vaxt\u0131nda etm\u0259m\u0259sinin h\u00fcquqi n\u0259tic\u0259l\u0259ri;<\/p>\n
746-2.2.12. t\u0259tbiq edildikd\u0259, gecikmi\u015f \u00f6d\u0259m\u0259l\u0259r\u0259 t\u0259tbiq edil\u0259n zaman \u00f6d\u0259nilm\u0259li olan d\u0259bb\u0259 pulu (gecikdirilm\u0259 faizl\u0259ri);<\/p>\n
746-2.2.13. t\u0259tbiq edildikd\u0259, kredit \u00f6hd\u0259liyinin icras\u0131n\u0131n t\u0259minat\u0131na dair \u015f\u0259rtl\u0259r v\u0259 s\u0131\u011forta t\u0259l\u0259bl\u0259ri haqq\u0131nda m\u0259lumatlar;<\/p>\n
746-2.2.14. istehlak\u00e7\u0131n\u0131n istehlak krediti m\u00fcqavil\u0259sind\u0259n imtina h\u00fcququ, bel\u0259 bir h\u00fcququn h\u0259yata ke\u00e7irildiyi m\u00fcdd\u0259t v\u0259 \u015f\u0259rtl\u0259r;<\/p>\n
746-2.2.15. istehlak\u00e7\u0131n\u0131n istehlak kreditini vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259m\u0259k h\u00fcququ v\u0259 t\u0259tbiq edildikd\u0259, borcver\u0259nin kompensasiya h\u00fcququ, kompensasiyan\u0131n m\u0259bl\u0259\u011fi v\u0259 m\u00fc\u0259yy\u0259n edilm\u0259si qaydas\u0131;<\/p>\n
746-2.2.16. t\u0259tbiq edildikd\u0259, borcver\u0259nin bu M\u0259c\u0259ll\u0259nin 742.5-ci madd\u0259sind\u0259 g\u00f6st\u0259ril\u0259n borcun vaxt\u0131ndan \u0259vv\u0259l qaytar\u0131lmas\u0131n\u0131 t\u0259l\u0259b ed\u0259 bildiyi hallar;<\/p>\n
746-2.2.17. istehlak\u00e7\u0131n\u0131n m\u00fcqavil\u0259 m\u00fcdd\u0259tind\u0259 sor\u011fu \u0259sas\u0131nda \u00f6d\u0259ni\u015fsiz olaraq ka\u011f\u0131z da\u015f\u0131y\u0131c\u0131da t\u0259qvim ili \u0259rzind\u0259 iki d\u0259f\u0259 (m\u00fcqavil\u0259d\u0259 daha \u0259lveri\u015fli hal n\u0259z\u0259rd\u0259 tutulmad\u0131qda), dig\u0259r davaml\u0131 da\u015f\u0131y\u0131c\u0131da is\u0259 ist\u0259nil\u0259n zaman kreditin qal\u0131\u011f\u0131 bar\u0259d\u0259 hesabdan \u00e7\u0131xar\u0131\u015f\u0131 kreditin \u00f6d\u0259ni\u015f qrafiki \u015f\u0259klind\u0259 \u0259ld\u0259 etm\u0259k h\u00fcququ (\u00f6d\u0259ni\u015f qrafikind\u0259 h\u0259yata ke\u00e7irilm\u0259li olan \u00f6d\u0259ni\u015fl\u0259r, bel\u0259 \u00f6d\u0259ni\u015fl\u0259rin m\u00fcdd\u0259tl\u0259ri, \u00f6d\u0259ni\u015fl\u0259rin strukturu, o c\u00fcml\u0259d\u0259n illik faiz d\u0259r\u0259c\u0259si \u00fczr\u0259 hesablanm\u0131\u015f faizl\u0259r v\u0259 t\u0259tbiq olunan dig\u0259r \u0259lav\u0259 x\u0259rcl\u0259r g\u00f6st\u0259rilir);<\/p>\n
746-2.2.18. m\u00fcbahis\u0259l\u0259r\u0259 m\u0259hk\u0259m\u0259d\u0259nk\u0259nar qaydada bax\u0131lmas\u0131 imkanlar\u0131n\u0131n olub-olmamas\u0131, olduqda onun qaydas\u0131;<\/p>\n
746-2.2.19. t\u0259tbiq edildikd\u0259, dig\u0259r m\u00fcqavil\u0259 \u015f\u0259rtl\u0259ri;<\/p>\n
746-2.2.20. M\u0259rk\u0259zi Bank\u0131n ad\u0131 v\u0259 \u00fcnvan\u0131.<\/p>\n
746-2.3. \u0130stehlak krediti m\u00fcqavil\u0259si \u00fczr\u0259 d\u0259yi\u015f\u0259n faiz d\u0259r\u0259c\u0259sinin t\u0259tbiq edilm\u0259si v\u0259 faizl\u0259rin v\u0259 dig\u0259r \u00f6d\u0259ni\u015fl\u0259rin art\u0131r\u0131la bilm\u0259si imkan\u0131n\u0131n \u015f\u0259rtl\u0259ndirilm\u0259si yolverilm\u0259zdir.<\/p>\n
746-2.4. Bank hesab\u0131n\u0131n kreditl\u0259\u015fdirilm\u0259si hallar\u0131nda borcver\u0259n istehlak\u00e7\u0131n\u0131 vaxta\u015f\u0131r\u0131 olaraq ka\u011f\u0131z v\u0259 ya dig\u0259r davaml\u0131 da\u015f\u0131y\u0131c\u0131da hesabdan \u00e7\u0131xar\u0131\u015f vasit\u0259sil\u0259 a\u015fa\u011f\u0131dak\u0131lar bar\u0259d\u0259 m\u0259lumatland\u0131r\u0131r:<\/p>\n
746-2.4.1. hesabdan \u00e7\u0131xar\u0131\u015f\u0131n aid oldu\u011fu d\u00f6vr;<\/p>\n
746-2.4.2. kreditl\u0259\u015fdirilm\u0259nin tarixl\u0259ri v\u0259 m\u0259bl\u0259\u011fl\u0259ri;<\/p>\n
746-2.4.3. \u0259vv\u0259lki \u00e7\u0131xar\u0131\u015f \u00fczr\u0259 balans v\u0259 onun tarixi;<\/p>\n
746-2.4.4. cari \u00e7\u0131xar\u0131\u015f tarixin\u0259 yeni balans;<\/p>\n
746-2.4.5. istehlak\u00e7\u0131 t\u0259r\u0259find\u0259n edilmi\u015f \u00f6d\u0259ni\u015fl\u0259rin m\u0259bl\u0259\u011fl\u0259ri v\u0259 tarixl\u0259ri;<\/p>\n
746-2.4.6. m\u00fcqavil\u0259 \u00fczr\u0259 faiz d\u0259r\u0259c\u0259si;<\/p>\n
746-2.4.7. t\u0259tbiq edil\u0259n ist\u0259nil\u0259n x\u0259rcl\u0259r v\u0259 dig\u0259r haqlar;<\/p>\n
746-2.4.8. t\u0259tbiq edildikd\u0259, \u00f6d\u0259nilm\u0259li olan minimum m\u0259bl\u0259\u011f.<\/p>\n
746-2.5. \u0130stehlak krediti m\u00fcqavil\u0259si ba\u011flan\u0131ld\u0131\u011f\u0131 an da daxil olmaqla h\u0259min ana q\u0259d\u0259r m\u0259saf\u0259d\u0259n bir v\u0259 ya bir ne\u00e7\u0259 rabit\u0259 vasit\u0259sinin istifad\u0259 edilm\u0259si yolu il\u0259 borcver\u0259n v\u0259 istehlak\u00e7\u0131n\u0131n eyni zamanda birg\u0259 fiziki i\u015ftirak\u0131 olmadan bu M\u0259c\u0259ll\u0259nin 406.3-c\u00fc madd\u0259sin\u0259 uy\u011fun olaraq m\u0259saf\u0259d\u0259n ba\u011flana bil\u0259r.<\/p>\n
746-2.6. \u0130stehlak krediti m\u00fcqavil\u0259sinin m\u0259saf\u0259d\u0259n ba\u011flan\u0131lmas\u0131na dair dig\u0259r t\u0259l\u0259bl\u0259r Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131 t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edilir.<\/p>\n
Madd\u0259 746-3. \u0130stehlak\u00e7\u0131n\u0131n istehlak krediti m\u00fcqavil\u0259sind\u0259n imtina<\/p>\n
h\u00fcququ<\/p>\n
746-3.1. \u0130stehlak\u00e7\u0131 istehlak krediti m\u00fcqavil\u0259si \u00fczr\u0259 pul v\u0259saitinin ona verildiyi g\u00fcnd\u0259n 30 (otuz) g\u00fcn m\u00fcdd\u0259tind\u0259 he\u00e7 bir s\u0259b\u0259b g\u00f6st\u0259rm\u0259d\u0259n istehlak krediti m\u00fcqavil\u0259sind\u0259n imtina ed\u0259 bil\u0259r. Bu halda, istehlak\u00e7\u0131 m\u00fcqavil\u0259 \u00fczr\u0259 verilmi\u015f pul v\u0259saitini v\u0259 h\u0259min pul v\u0259saitinin verildiyi g\u00fcnd\u0259n qaytar\u0131ld\u0131\u011f\u0131 g\u00fcn\u0259d\u0259k hesablanan faizl\u0259ri \u00f6d\u0259m\u0259lidir. Borcver\u0259n t\u0259r\u0259find\u0259n \u00f6d\u0259nil\u0259n d\u00f6vl\u0259t r\u00fcsumu v\u0259 xidm\u0259t haqlar\u0131n\u0131n m\u0259bl\u0259\u011fi istisna olmaqla, istehlak\u00e7\u0131dan kompensasiya v\u0259 h\u0259r hans\u0131 dig\u0259r \u00f6d\u0259ni\u015fl\u0259rin al\u0131nmas\u0131 yolverilm\u0259zdir.<\/p>\n
746-3.2. \u0130stehlak\u00e7\u0131 bu M\u0259c\u0259ll\u0259nin 746-3.1-ci madd\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f h\u00fcququndan istifad\u0259 etdikd\u0259, istehlak krediti m\u00fcqavil\u0259si il\u0259 ba\u011fl\u0131 borcver\u0259nl\u0259 v\u0259 ya borcver\u0259nl\u0259 ba\u011flad\u0131\u011f\u0131 m\u00fcqavil\u0259 \u0259sas\u0131nda xidm\u0259t g\u00f6st\u0259r\u0259n \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259 ba\u011flanm\u0131\u015f \u0259lav\u0259 xidm\u0259t m\u00fcqavil\u0259l\u0259rin\u0259 xitam verilir v\u0259 istehlak\u00e7\u0131 h\u0259min m\u00fcqavil\u0259l\u0259r \u00fczr\u0259 h\u0259r hans\u0131 \u00f6hd\u0259lik da\u015f\u0131m\u0131r.<\/p>\n
Madd\u0259 746-4. \u0130stehlak krediti m\u00fcqavil\u0259sinin vaxt\u0131ndan \u0259vv\u0259l icras\u0131<\/p>\n
746-4.1. \u0130stehlak\u00e7\u0131 istehlak kreditini ist\u0259nil\u0259n vaxt x\u0259b\u0259rdarl\u0131q etm\u0259d\u0259n tamamil\u0259 v\u0259 ya qism\u0259n borcver\u0259n\u0259 qaytara bil\u0259r. Bu halda, kreditin qal\u0131q m\u00fcdd\u0259tin\u0259 g\u00f6r\u0259 hesablanm\u0131\u015f faizl\u0259r v\u0259 (v\u0259 ya) dig\u0259r haqlar vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259nilmi\u015f m\u0259bl\u0259\u011f\u0259 m\u00fct\u0259nasib olaraq azald\u0131l\u0131r.<\/p>\n
746-4.2. Borcver\u0259n istehlak krediti m\u00fcqavil\u0259sinin vaxt\u0131ndan \u0259vv\u0259l icras\u0131 zaman\u0131 bu M\u0259c\u0259ll\u0259y\u0259 uy\u011fun olaraq z\u0259r\u0259rin \u0259v\u0259zinin \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn istehlak\u00e7\u0131dan bu M\u0259c\u0259ll\u0259nin 746-4-c\u00fc madd\u0259sinin t\u0259l\u0259bl\u0259ri n\u0259z\u0259r\u0259 al\u0131nmaqla, m\u00fcqavil\u0259 il\u0259 m\u00fc\u0259yy\u0259nl\u0259\u015fdirilmi\u015f kompensasiya m\u0259bl\u0259\u011fini t\u0259l\u0259b ed\u0259 bil\u0259r.<\/p>\n
746-4.3. Bu M\u0259c\u0259ll\u0259nin 746-4.2-ci madd\u0259sind\u0259 g\u00f6st\u0259ril\u0259n kompensasiyan\u0131n m\u0259bl\u0259\u011fi m\u00fcqavil\u0259 m\u00fcdd\u0259tinin bitm\u0259sin\u0259 bir ild\u0259n \u00e7ox m\u00fcdd\u0259t qald\u0131qda, istehlak krediti \u00fczr\u0259 vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259nilmi\u015f m\u0259bl\u0259\u011fin 1 (bir) faizind\u0259n, bir il v\u0259 daha az m\u00fcdd\u0259t qald\u0131qda is\u0259 0,5 faizind\u0259n \u00e7ox olmamal\u0131d\u0131r.<\/p>\n
746-4.4. Kompensasiya m\u0259bl\u0259\u011fi a\u015fa\u011f\u0131dak\u0131 hallarda t\u0259l\u0259b edil\u0259 bilm\u0259z:<\/p>\n
746-4.4.1. vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259ni\u015f h\u0259min m\u00fcqavil\u0259 \u00fczr\u0259 ba\u011flanan s\u0131\u011forta m\u00fcqavil\u0259sinin \u0259sas\u0131nda h\u0259yata ke\u00e7irildikd\u0259;<\/p>\n
746-4.4.2. bank hesab\u0131n\u0131n kreditl\u0259\u015fdirilm\u0259si hal\u0131nda.<\/p>\n
746-4.5. \u0130stehlak\u00e7\u0131 t\u0259r\u0259find\u0259n son on iki ay \u0259rzind\u0259 istehlak krediti \u00fczr\u0259 vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259nilmi\u015f m\u0259bl\u0259\u011f \u00f6lk\u0259 \u00fczr\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f minimum \u0259m\u0259khaqq\u0131 m\u0259bl\u0259\u011finin q\u0131rx mislind\u0259n \u00e7ox olarsa, borcver\u0259n ona bel\u0259 \u00f6d\u0259m\u0259l\u0259r zaman\u0131 d\u0259ymi\u015f z\u0259r\u0259ri m\u0259hk\u0259m\u0259 qaydas\u0131nda v\u0259 ya z\u0259r\u0259rin ba\u015f verdiyi tarixd\u0259n sonra istehlak\u00e7\u0131yla ayr\u0131ca raz\u0131l\u0131q \u0259ld\u0259 etm\u0259kl\u0259 s\u00fcbut etm\u0259k \u015f\u0259rtil\u0259 bu M\u0259c\u0259ll\u0259nin 746-4.3-c\u00fc madd\u0259sind\u0259 g\u00f6st\u0259rilmi\u015f kompensasiya m\u0259bl\u0259\u011fl\u0259rind\u0259n daha y\u00fcks\u0259k (d\u0259ymi\u015f z\u0259r\u0259r\u0259 m\u00fct\u0259nasib) kompensasiya t\u0259l\u0259b ed\u0259 bil\u0259r. Bu halda, borcver\u0259n\u0259 d\u0259ymi\u015f z\u0259r\u0259r qaytar\u0131lan kreditin kredit m\u00fcqavil\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulan faiz d\u0259r\u0259c\u0259si il\u0259 vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259nilm\u0259 an\u0131nda borcver\u0259nin borc verdiyi eyni t\u0259yinatl\u0131 kreditin faiz d\u0259r\u0259c\u0259si aras\u0131ndak\u0131 f\u0259rqd\u0259n ibar\u0259tdir.<\/p>\n
746-4.6. Kompensasiya m\u0259bl\u0259\u011fi h\u0259r bir halda istehlak kreditinin istehlak\u00e7\u0131 t\u0259r\u0259find\u0259n vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259nilm\u0259si an\u0131 il\u0259 m\u00fcqavil\u0259nin m\u00fcdd\u0259tinin ba\u015fa \u00e7atmas\u0131 an\u0131 aras\u0131ndak\u0131 m\u00fcdd\u0259td\u0259 \u00f6d\u0259nilm\u0259li olan illik faiz d\u0259r\u0259c\u0259si \u00fczr\u0259 hesablanm\u0131\u015f faiz m\u0259bl\u0259\u011fl\u0259rind\u0259n \u00e7ox ola bilm\u0259z.<\/p>\n
Madd\u0259 746-5. \u0130stehlak krediti m\u00fcqavil\u0259sinin dig\u0259r x\u00fcsusiyy\u0259tl\u0259ri<\/p>\n
746-5.1. \u0130stehlak krediti m\u00fcqavil\u0259si \u00fczr\u0259 istehlak\u00e7\u0131n\u0131n borcver\u0259n\u0259 h\u0259r hans\u0131 \u00f6d\u0259ni\u015fin\u0259 (bu M\u0259c\u0259ll\u0259nin 746-3-c\u00fc v\u0259 746-4-c\u00fc madd\u0259l\u0259rind\u0259 n\u0259z\u0259rd\u0259 tutulan hallar istisna olmaqla), habel\u0259 borcver\u0259nin istehlak\u00e7\u0131ya m\u0259lumat verm\u0259sin\u0259 g\u00f6r\u0259 (bu M\u0259c\u0259ll\u0259nin 746-2.2.17-ci madd\u0259sinin t\u0259l\u0259bl\u0259ri n\u0259z\u0259r\u0259 al\u0131nmaqla) haqq al\u0131na bilm\u0259z.<\/p>\n
746-5.2. \u0130stehlak krediti m\u00fcqavil\u0259sind\u0259 \u00f6d\u0259ni\u015fl\u0259rin gecikdirilm\u0259sin\u0259 g\u00f6r\u0259 faizl\u0259r (gecikdirilm\u0259 faizl\u0259ri) n\u0259z\u0259rd\u0259 tutulduqda, h\u0259min faizl\u0259rin m\u0259bl\u0259\u011fi istehlak krediti m\u00fcqavil\u0259sind\u0259 n\u0259z\u0259rd\u0259 tutulan illik faiz d\u0259r\u0259c\u0259sin\u0259 be\u015f faiz b\u0259ndi \u0259lav\u0259 edilm\u0259kl\u0259 hesablanan m\u0259bl\u0259\u011fd\u0259n \u00e7ox ola bilm\u0259z. Bu halda \u0259lav\u0259 d\u0259bb\u0259 pulu (c\u0259rim\u0259, penya), komissiya v\u0259 ya dig\u0259r formada h\u0259r hans\u0131 \u00f6d\u0259ni\u015f t\u0259l\u0259b edil\u0259 bilm\u0259z. Gecikdirilm\u0259 faizl\u0259rinin hesablanmas\u0131 180 g\u00fcnd\u0259n \u00e7ox davam ed\u0259 bilm\u0259z. \u018fg\u0259r borcver\u0259n\u0259 d\u0259y\u0259n z\u0259r\u0259r gecikdirilm\u0259 faizl\u0259rinin m\u0259bl\u0259\u011find\u0259n \u00e7oxdursa, borcver\u0259n istehlak\u00e7\u0131dan h\u0259min m\u0259bl\u0259\u011fd\u0259n \u00e7ox olan hiss\u0259d\u0259 z\u0259r\u0259rin \u0259v\u0259zini \u00f6d\u0259m\u0259yi t\u0259l\u0259b ed\u0259 bil\u0259r.<\/p>\n
746-5.3. Bu M\u0259c\u0259ll\u0259nin 742.5.3-c\u00fc madd\u0259si istehlak krediti \u00f6hd\u0259liyinin icras\u0131n\u0131n t\u0259minat\u0131n\u0131n itirilm\u0259si v\u0259 yaxud d\u0259y\u0259rinin azalmas\u0131 hallar\u0131na yaln\u0131z bu \u015f\u0259rtl\u0259 t\u0259tbiq edilir ki, istehlak\u00e7\u0131 borcver\u0259n t\u0259r\u0259find\u0259n t\u0259l\u0259b ir\u0259li s\u00fcr\u00fcld\u00fckd\u0259n sonra iki ay \u0259rzind\u0259 t\u0259minat\u0131 \u0259v\u0259z etm\u0259mi\u015f v\u0259 ya \u0259lav\u0259 t\u0259minat t\u0259qdim etm\u0259mi\u015f olsun.<\/p>\n
746-5.4. \u0130stehlak krediti m\u00fcqavil\u0259sinin b\u00fct\u00fcn ziddiyy\u0259tl\u0259ri v\u0259 qeyri-m\u00fc\u0259yy\u0259nlikl\u0259ri istehlak\u00e7\u0131n\u0131n xeyrin\u0259 \u015f\u0259rh edilm\u0259lidir.<\/p>\n
746-5.5. \u0130stehlak krediti m\u00fcqavil\u0259sind\u0259 g\u00f6st\u0259rilm\u0259y\u0259n h\u0259r hans\u0131 x\u0259rcl\u0259r v\u0259 dig\u0259r \u00f6d\u0259ni\u015fl\u0259r istehlak\u00e7\u0131dan t\u0259l\u0259b edil\u0259 bilm\u0259z.<\/p>\n
746-5.6. Borcver\u0259nin istehlak krediti m\u00fcqavil\u0259sinin h\u0259r hans\u0131 \u015f\u0259rtini birt\u0259r\u0259fli qaydada d\u0259yi\u015fdir\u0259 bilm\u0259si bar\u0259d\u0259 kredit m\u00fcqavil\u0259sinin m\u00fcdd\u0259as\u0131 etibars\u0131zd\u0131r. Bu t\u0259l\u0259b istehlak\u00e7\u0131n\u0131n v\u0259ziyy\u0259tini yax\u015f\u0131la\u015fd\u0131ran, o c\u00fcml\u0259d\u0259n borc y\u00fck\u00fcn\u00fc y\u00fcng\u00fcll\u0259\u015fdir\u0259n hallara \u015famil edilmir.<\/p>\n
Madd\u0259 746-6. \u018flaq\u0259li kredit m\u00fcqavil\u0259si<\/p>\n
746-6.1. M\u00fc\u0259yy\u0259n mallar\u0131n alq\u0131-satq\u0131s\u0131 v\u0259 ya xidm\u0259tl\u0259rin g\u00f6st\u0259rilm\u0259si \u00fczr\u0259 m\u00fcqavil\u0259nin maliyy\u0259l\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn ba\u011flanan v\u0259 h\u0259min m\u00fcqavil\u0259 il\u0259 iqtisadi \u0259laq\u0259si olan istehlak krediti m\u00fcqavil\u0259si \u0259laq\u0259li kredit m\u00fcqavil\u0259si hesab olunur. \u0130qtisadi \u0259laq\u0259 a\u015fa\u011f\u0131dak\u0131 hallardan birinin m\u00f6vcudlu\u011fu il\u0259 \u015f\u0259rtl\u0259ndirilir:<\/p>\n
746-6.1.1. kredit m\u00fcqavil\u0259sinin haz\u0131rlanmas\u0131 v\u0259 ba\u011flanmas\u0131 il\u0259 \u0259laq\u0259dar olaraq borcver\u0259n sat\u0131c\u0131n\u0131n (xidm\u0259t g\u00f6st\u0259r\u0259nin) xidm\u0259tl\u0259rind\u0259n istifad\u0259 edir;<\/p>\n
746-6.1.2. m\u00fc\u0259yy\u0259n mal\u0131n alq\u0131-satq\u0131s\u0131 (xidm\u0259tin g\u00f6st\u0259rilm\u0259si) kredit m\u00fcqavil\u0259sind\u0259 a\u015fkar g\u00f6st\u0259rilir.<\/p>\n
746-6.2. \u018flaq\u0259li kredit m\u00fcqavil\u0259si il\u0259 \u0259hat\u0259 olunan mallar istehlak\u00e7\u0131ya verilm\u0259dikd\u0259 (xidm\u0259tl\u0259r g\u00f6st\u0259rilm\u0259dikd\u0259), qism\u0259n verildikd\u0259 (xidm\u0259tl\u0259r qism\u0259n g\u00f6st\u0259rildikd\u0259), yaxud alq\u0131-satq\u0131 (xidm\u0259t) m\u00fcqavil\u0259sin\u0259 uy\u011fun olmad\u0131qda, istehlak\u00e7\u0131n\u0131n \u0259laq\u0259li kredit m\u00fcqavil\u0259sind\u0259n yaranan \u00f6hd\u0259likl\u0259rinin icras\u0131n\u0131 dayand\u0131rmaq v\u0259 \u00f6d\u0259ni\u015fl\u0259rin geri qaytar\u0131lmas\u0131n\u0131 borcver\u0259nd\u0259n t\u0259l\u0259b etm\u0259k h\u00fcququ vard\u0131r.<\/p>\n
746-6.3. \u0130stehlak\u00e7\u0131 bu M\u0259c\u0259ll\u0259nin 746-6.2-ci madd\u0259sind\u0259 g\u00f6st\u0259ril\u0259n h\u00fcquqlar\u0131n\u0131 yaln\u0131z a\u015fa\u011f\u0131dak\u0131 hallarda h\u0259yata ke\u00e7ir\u0259 bil\u0259r:<\/p>\n
746-6.3.1. istehlak\u00e7\u0131 alq\u0131-satq\u0131 (xidm\u0259t) m\u00fcqavil\u0259sinin \u015f\u0259rtl\u0259rinin yerin\u0259 yetirilm\u0259sin\u0259 dair sat\u0131c\u0131ya (xidm\u0259t g\u00f6st\u0259r\u0259n\u0259) m\u00fcraci\u0259t etmi\u015fdir v\u0259 bu m\u00fcraci\u0259t tarixind\u0259n sonra bir ay m\u00fcdd\u0259tind\u0259 m\u00fcvafiq alq\u0131-satq\u0131 (xidm\u0259t) m\u00fcqavil\u0259sinin \u015f\u0259rtl\u0259ri yerin\u0259 yetirilm\u0259mi\u015fdir;<\/p>\n
746-6.3.2. alq\u0131-satq\u0131 m\u00fcqavil\u0259si mallar\u0131n laz\u0131mi keyfiyy\u0259td\u0259 olmamas\u0131 s\u0259b\u0259bind\u0259n l\u0259\u011fv edildiyi halda, bu \u015f\u0259rtl\u0259 ki, istehlak\u00e7\u0131 borcver\u0259n\u0259 mallar\u0131n laz\u0131mi keyfiyy\u0259td\u0259 olmamas\u0131 bar\u0259d\u0259 m\u00fcraci\u0259t etmi\u015fdir;<\/p>\n
746-6.3.3. alq\u0131-satq\u0131 (xidm\u0259t) m\u00fcqavil\u0259sin\u0259 sat\u0131c\u0131 (xidm\u0259t g\u00f6st\u0259r\u0259n) t\u0259r\u0259find\u0259n mallar\u0131n verilm\u0259m\u0259si (xidm\u0259tl\u0259rin g\u00f6st\u0259rilm\u0259m\u0259si) s\u0259b\u0259bind\u0259n xitam verilm\u0259si hallar\u0131 istisna olmaqla, istehlak\u00e7\u0131 l\u0259\u011fv edilmi\u015f alq\u0131-satq\u0131 (xidm\u0259t) m\u00fcqavil\u0259si \u0259sas\u0131nda ald\u0131qlar\u0131n\u0131 qaytarm\u0131\u015fd\u0131r.<\/p>\n
746-6.4. \u0130stehlak\u00e7\u0131 bu M\u0259c\u0259ll\u0259nin 746-6.3-c\u00fc madd\u0259sind\u0259 g\u00f6st\u0259ril\u0259n hallar\u0131n ba\u015f verm\u0259si il\u0259 ba\u011fl\u0131 borcver\u0259n\u0259 m\u00fcraci\u0259t etdikd\u0259, borcver\u0259n 10 (on) i\u015f g\u00fcn\u00fc \u0259rzind\u0259 istehlak\u00e7\u0131ya \u00f6d\u0259ni\u015fl\u0259ri geri qaytar\u0131r v\u0259 sat\u0131c\u0131dan (xidm\u0259t g\u00f6st\u0259r\u0259nd\u0259n) istehlak\u00e7\u0131ya geri qaytar\u0131lm\u0131\u015f \u00f6d\u0259ni\u015fl\u0259ri v\u0259 dig\u0259r x\u0259rcl\u0259ri t\u0259l\u0259b etm\u0259k h\u00fcququnu \u0259ld\u0259 edir.<\/p>\n
746-6.5. Bu M\u0259c\u0259ll\u0259nin 746-6-c\u0131 madd\u0259sind\u0259 xidm\u0259tl\u0259rin g\u00f6st\u0259rilm\u0259si \u00fczr\u0259 m\u00fcdd\u0259alar i\u015fl\u0259rin g\u00f6r\u00fclm\u0259si \u00fczr\u0259 m\u00fcnasib\u0259tl\u0259r\u0259 d\u0259 \u015famil edilir\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"
Az\u0259rbaycan Respublikas\u0131n\u0131n M\u00fclki M\u0259c\u0259ll\u0259sind\u0259 d\u0259yi\u015fiklik edilib. Prezident.az\u00a0x\u0259b\u0259r verir ki, bununla ba\u011fl\u0131 Prezident\u00a0\u0130lham \u018fliyev\u00a0m\u00fcvafiq qanunu imzalay\u0131b. D\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, 331.1-ci madd\u0259y\u0259 a\u015fa\u011f\u0131dak\u0131 m\u0259zmunda ikinci v\u0259 \u00fc\u00e7\u00fcnc\u00fc c\u00fcml\u0259l\u0259r \u0259lav\u0259 edilib: \u201c\u018fqd onun m\u0259zmununu d\u0259yi\u015film\u0259z formada maddi da\u015f\u0131y\u0131c\u0131da \u0259ks etdirm\u0259y\u0259 imkan ver\u0259n elektron v\u0259 ya dig\u0259r texniki vasit\u0259l\u0259rin k\u00f6m\u0259yi il\u0259 ba\u011flan\u0131ld\u0131qda da yaz\u0131l\u0131 formaya riay\u0259t edilmi\u015f hesab edilir v\u0259 […]<\/p>\n","protected":false},"author":2,"featured_media":8153,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,9],"tags":[],"class_list":["post-22463","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trend","category-featured"],"yoast_head":"\n
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