Faiz m\u00fcqabilind\u0259 borc verilm\u0259si ilk bax\u0131\u015fdan sad\u0259 m\u00fclki m\u00fcnasib\u0259t kimi g\u00f6r\u00fcns\u0259 d\u0259, bu sah\u0259d\u0259 ciddi h\u00fcquqi riskl\u0259r m\u00f6vcuddur. X\u00fcsusil\u0259 m\u00fcxt\u0259lif \u015f\u0259xsl\u0259r\u0259 davaml\u0131 v\u0259 sistemli \u015f\u0259kild\u0259 faizl\u0259 borc ver\u0259n \u015f\u0259xsl\u0259r bilm\u0259lidirl\u0259r ki, bel\u0259 f\u0259aliyy\u0259t m\u00fc\u0259yy\u0259n hallarda sad\u0259 borc m\u00fcnasib\u0259tind\u0259n \u00e7\u0131xaraq onlar \u00fc\u00e7\u00fcn h\u00fcquqi m\u0259suliyy\u0259t m\u0259s\u0259l\u0259si yarada bil\u0259r.<\/p>\n\n\n\n
\u0130ctimai.az<\/strong>\u00a0x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 Ali M\u0259hk\u0259m\u0259 m\u0259lumat yay\u0131b.<\/p>\n\n\n\n Bildirilib ki, Az\u0259rbaycan Respublikas\u0131 M\u00fclki M\u0259c\u0259ll\u0259sinin 740.1-ci madd\u0259sin\u0259 \u0259sas\u0259n, 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. Y\u0259ni fiziki \u015f\u0259xsl\u0259r aras\u0131nda faizl\u0259 borc verilm\u0259si \u00f6z-\u00f6zl\u00fcy\u00fcnd\u0259 qada\u011fan deyil:<\/p>\n\n\n\n “Lakin konkret \u015f\u0259xs\u0259 borc verilm\u0259si il\u0259 m\u00fcxt\u0259lif \u015f\u0259xsl\u0259r\u0259 m\u00fct\u0259madi, sistemli v\u0259 g\u0259lir \u0259ld\u0259 etm\u0259k m\u0259qs\u0259dil\u0259 faizl\u0259 borc verilm\u0259si eyni h\u00fcquqi hal deyil. M\u0259hz bu f\u0259aliyy\u0259tin xarakteri onun qanuniliyinin qiym\u0259tl\u0259ndirilm\u0259sind\u0259 m\u00fch\u00fcm \u0259h\u0259miyy\u0259t da\u015f\u0131y\u0131r.<\/p>\n\n\n\n Faizl\u0259 borc m\u00fcnasib\u0259tl\u0259ri yaz\u0131l\u0131 \u015f\u0259kild\u0259 r\u0259smil\u0259\u015fdirilm\u0259li, m\u00fcqavil\u0259d\u0259 \u0259sas borcun m\u0259bl\u0259\u011fi, faiz d\u0259r\u0259c\u0259si, hesablanma qaydas\u0131, qaytar\u0131lma m\u00fcdd\u0259ti v\u0259 \u00f6d\u0259ni\u015f qaydas\u0131 d\u0259qiq g\u00f6st\u0259rilm\u0259lidir.<\/p>\n\n\n\n Eyni zamanda, pulun faktiki olaraq verilm\u0259si v\u0259 sonradan qaytar\u0131lmas\u0131 da m\u00fcmk\u00fcn q\u0259d\u0259r s\u00fcbut edil\u0259 bil\u0259n formada h\u0259yata ke\u00e7irilm\u0259lidir. Bu bax\u0131mdan bank k\u00f6\u00e7\u00fcrm\u0259l\u0259ri daha t\u0259hl\u00fck\u0259siz \u00fcsullardan biridir. Na\u011fd \u00f6d\u0259ni\u015fl\u0259r h\u0259yata ke\u00e7irilirs\u0259, onlar\u0131n da m\u00fcvafiq q\u0259bz v\u0259 dig\u0259r s\u0259n\u0259dl\u0259rl\u0259 t\u0259sdiql\u0259nm\u0259si m\u0259qs\u0259d\u0259uy\u011fundur.<\/p>\n\n\n\n \u00c7\u00fcnki m\u0259hk\u0259m\u0259 m\u00fcbahis\u0259si zaman\u0131 “pul vermi\u015f\u0259m”, “pul qaytar\u0131l\u0131b”, “faiz \u00f6d\u0259nilib” kimi \u015fifahi izahatlar\u0131n deyil, bunlar\u0131 t\u0259sdiq ed\u0259n s\u00fcbutlar\u0131n \u0259h\u0259miyy\u0259ti b\u00f6y\u00fckd\u00fcr”.<\/p>\n\n\n\n Qeyd olunub ki, \u0259g\u0259r \u015f\u0259xs g\u0259lir \u0259ld\u0259 etm\u0259k m\u0259qs\u0259dil\u0259 m\u00fcxt\u0259lif v\u0259 qeyri-m\u0259hdud sayda \u015f\u0259xsl\u0259r\u0259 m\u00fcnt\u0259z\u0259m \u015f\u0259kild\u0259 faizl\u0259 borc verirs\u0259, art\u0131q onun f\u0259aliyy\u0259tinin h\u00fcquqi statusu m\u0259s\u0259l\u0259si ortaya \u00e7\u0131x\u0131r:<\/p>\n\n\n\n “M\u00fclki M\u0259c\u0259ll\u0259nin 740.10-cu madd\u0259sin\u0259 \u0259sas\u0259n, 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. Bu t\u0259l\u0259bl\u0259r n\u0259z\u0259r\u0259 al\u0131nmadan f\u0259aliyy\u0259t g\u00f6st\u0259rilm\u0259si qanunsuz sahibkarl\u0131q kimi qiym\u0259tl\u0259ndiril\u0259 v\u0259 h\u00fcquqi m\u0259suliyy\u0259t\u0259 s\u0259b\u0259b ola bil\u0259r.<\/p>\n\n\n\n \u018fn m\u00fch\u00fcm riskl\u0259rd\u0259n biri budur ki, borc ver\u0259n \u015f\u0259xs borcalana qar\u015f\u0131 m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t etdikd\u0259 \u00f6z f\u0259aliyy\u0259tinin qanuniliyi d\u0259 ara\u015fd\u0131r\u0131la bil\u0259r.<\/p>\n\n\n\n M\u0259hk\u0259m\u0259 borc ver\u0259nin f\u0259aliyy\u0259tind\u0259 qanunsuz sahibkarl\u0131q v\u0259 ya dig\u0259r h\u00fcquq pozuntular\u0131n\u0131n \u0259lam\u0259tl\u0259rini m\u00fc\u0259yy\u0259n ed\u0259rs\u0259, x\u00fcsusi q\u0259rardad q\u0259bul ed\u0259r\u0259k materiallar\u0131 h\u00fcquqi qiym\u0259t verilm\u0259si \u00fc\u00e7\u00fcn prokurorluq orqanlar\u0131na g\u00f6nd\u0259r\u0259 bil\u0259r.<\/p>\n\n\n\n Ba\u015fqa s\u00f6zl\u0259, borcunu t\u0259l\u0259b etm\u0259k \u00fc\u00e7\u00fcn m\u0259hk\u0259m\u0259y\u0259 ged\u0259n \u015f\u0259xs \u00f6z f\u0259aliyy\u0259tinin h\u00fcquqi ara\u015fd\u0131rmaya m\u0259ruz qalmas\u0131 il\u0259 \u00fczl\u0259\u015f\u0259 bil\u0259r.<\/p>\n\n\n\n Qanunsuz f\u0259aliyy\u0259t borc ver\u0259nin \u00f6z t\u0259l\u0259bini d\u0259 risk\u0259 ata bil\u0259r. \u018fg\u0259r konkret i\u015f \u00fczr\u0259 borc ver\u0259nin qanunsuz f\u0259aliyy\u0259tl\u0259 m\u0259\u015f\u011ful oldu\u011fu m\u00fc\u0259yy\u0259n edil\u0259rs\u0259, bu, onun m\u00fcqavil\u0259d\u0259 raz\u0131la\u015fd\u0131r\u0131lm\u0131\u015f faiz v\u0259 dig\u0259r m\u0259bl\u0259\u011fl\u0259ri t\u0259l\u0259b etm\u0259sin\u0259 ciddi t\u0259sir g\u00f6st\u0259r\u0259 bil\u0259r.<\/p>\n\n\n\n Bel\u0259 v\u0259ziyy\u0259td\u0259 borc ver\u0259n \u015f\u0259xsin m\u00fcqavil\u0259d\u0259 n\u0259z\u0259rd\u0259 tutulan g\u0259liri (faiz v\u0259 dig\u0259r m\u0259bl\u0259\u011fl\u0259ri) t\u0259l\u0259b etm\u0259k imkanlar\u0131 m\u0259hdudla\u015fa, yaln\u0131z qanunvericilikd\u0259 n\u0259z\u0259rd\u0259 tutulan gecikdirilmi\u015f m\u0259bl\u0259\u011f\u0259 illik 5 faiz t\u0259l\u0259b etm\u0259k imkan\u0131 qala bil\u0259r”.<\/p>\n\n\n\n Ali M\u0259hk\u0259m\u0259 t\u00f6vsiy\u0259 edir ki, faizl\u0259 borc ver\u0259n \u015f\u0259xsl\u0259r m\u00fcnasib\u0259tl\u0259ri yaz\u0131l\u0131 m\u00fcqavil\u0259 il\u0259 r\u0259smil\u0259\u015fdirm\u0259li, faktiki veril\u0259n m\u0259bl\u0259\u011fi v\u0259 faiz \u015f\u0259rtl\u0259rini d\u0259qiq g\u00f6st\u0259rm\u0259li, b\u00fct\u00fcn \u00f6d\u0259ni\u015fl\u0259ri s\u0259n\u0259dl\u0259\u015fdirm\u0259li v\u0259 f\u0259aliyy\u0259t sistemli xarakter da\u015f\u0131y\u0131rsa, onun h\u00fcquqi statusunu \u0259vv\u0259lc\u0259d\u0259n d\u00fczg\u00fcn m\u00fc\u0259yy\u0259n etm\u0259lidirl\u0259r:<\/p>\n\n\n\n “Pulun siz\u0259 m\u0259xsus olmas\u0131 onu ist\u0259nil\u0259n formada v\u0259 sistemli \u015f\u0259kild\u0259 qanunvericiliyin m\u00fc\u0259yy\u0259n etdiyi t\u0259l\u0259bl\u0259rd\u0259n k\u0259nar d\u00f6vriyy\u0259y\u0259 buraxmaq h\u00fcququ vermir.<\/p>\n\n\n\n \u018fks halda bu g\u00fcn “asan qazanc” kimi g\u00f6r\u00fcn\u0259n f\u0259aliyy\u0259t m\u0259hk\u0259m\u0259 m\u00fcbahis\u0259sin\u0259, x\u00fcsusi q\u0259rardada v\u0259 h\u0259tta inzibati v\u0259 ya cinay\u0259t m\u0259suliyy\u0259tin\u0259 s\u0259b\u0259b ola bil\u0259r”.<\/p>\n","protected":false},"excerpt":{"rendered":" Faiz m\u00fcqabilind\u0259 borc verilm\u0259si ilk bax\u0131\u015fdan sad\u0259 m\u00fclki m\u00fcnasib\u0259t kimi g\u00f6r\u00fcns\u0259 d\u0259, bu sah\u0259d\u0259 ciddi h\u00fcquqi riskl\u0259r m\u00f6vcuddur. X\u00fcsusil\u0259 m\u00fcxt\u0259lif \u015f\u0259xsl\u0259r\u0259 davaml\u0131 v\u0259 sistemli \u015f\u0259kild\u0259 faizl\u0259 borc ver\u0259n \u015f\u0259xsl\u0259r bilm\u0259lidirl\u0259r ki, bel\u0259 f\u0259aliyy\u0259t m\u00fc\u0259yy\u0259n hallarda sad\u0259 borc m\u00fcnasib\u0259tind\u0259n \u00e7\u0131xaraq onlar \u00fc\u00e7\u00fcn h\u00fcquqi m\u0259suliyy\u0259t m\u0259s\u0259l\u0259si yarada bil\u0259r. \u0130ctimai.az\u00a0x\u0259b\u0259r verir ki, bu bar\u0259d\u0259 Ali M\u0259hk\u0259m\u0259 m\u0259lumat yay\u0131b. […]<\/p>\n","protected":false},"author":2,"featured_media":84213,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-84871","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-society"],"yoast_head":"\n