Problemli kreditlər

Xatırlayırsızsa Azərbaycan Respublikasında fiziki şəxslərin problemli kreditlərinin həlli ilə bağlı əlavə tədbirlər haqqında Azərbaycan Respublikasının Prezidentinin 28 fevral 2019-cu il tarixli fərmanı var idi. Həmin fərmanın icrası Azərbaycan Respublikasının Maliyyə Bazarlarına Nəzarət Palatasına tapşırılmışdı. Həmin fərmanın digər bəndinə əsasən isə Əmanətlərin Sığortalanması Fonduna və ləğvedici funksiyalarının həvalə olunduğu digər şəxslərə tövsiyə edilsin ki, ləğvetmə prosesində olan banklarda fiziki şəxslərinin vaxtı keçmiş əsas kredit borclarının restrukturizasiyasını təmin edən tədbirlər görülməsi tapşırılmışdı. Maliyyə Bazarlarına Nəzarət palatası demək olar ki, heç bir şey etmədi daha sonra isə ləğv edildi. Əmanətlərin sığortalanması fondu da maliyyə bazarlarına nəzarət palatasının getdiyi yolu gedərək vətəndaşlarla müqavilələrin bağlanmasını demək olar ki, yekunllaşdıra bilməyib. Həmin güzəştlər tətbiq edilən vətəndaşlarla müqavilə bağlamaq lazım olduğu halda əksinə vətəndaşları məhkəməyə verərək kredit pullarını tələb edir. Bir şəxs də sual vermir ki, ay fond sən güzəştə düşən vətəndaşlarla bu günə kimi nə üçün müqavilələri bağlamağı yekunllaşdırmayıbsan nə üçün bir qismi ilə bağladığın müqavilələri vətəndaşlara təqdim etməyibsən.Bunun tək çıxış yolu kimlə müqavilə bağlanılıbsa müqavilə təqdim edilməyibsə məhkəməyə müraciət edə bilərlər, kimin kreditinə güzəşt tətbiq olunub lakin müqavilə bağlalanılmayıbsa məhkəməyə müraciət edə bilərlər.
— Azərbaycan Respublikasında fiziki şəxslərin problemli kreditlərinin həlli ilə bağlı əlavə tədbirlər haqqında Azərbaycan Respublikasının Prezidentinin 28 fevral 2019-cu il tarixli fərmanı.
8.8 güzəştli kredit dedikdə fiziki şəxslərin vaxtı keçmiş kredit borclarının restrukturizasiyası məqsədilə onlara banklar tərəfindən illik faiz dərəcəsi 1 faiz, banklara isə Azərbaycan Respublikasının Mərkəzi Bankı tərəfindən illik faiz dərəcəsi 0,1 faiz olmaqla 5 il (1 il güzəşt müddəti ilə) müddətinə verilən kreditlər

  1. Əmanətlərin Sığortalanması Fonduna və ləğvedici funksiyalarının həvalə olunduğu digər şəxslərə tövsiyə edilsin ki, ləğvetmə prosesində olan banklarda fiziki şəxslərin vaxtı keçmiş əsas kredit borclarının restrukturizasiyasını təmin edən tədbirlər görsünlər.

— Maliyyə xidmətləri bazarında tənzimləmə və nəzarət sistemininidarəedilməsinin təkmilləşdirilməsi haqqında Azərbaycan Respublikası Prezidentinin 28 noyabr 2019-cu il tarixli Sərəncamı ilə Respublikasının Maliyyə Bazarlarına Nəzarət Palatası ləğv edildi.

Hüquqşünas: Abıyev Rahim Zakir oğlu

 4,295 Ümumi baxış,  50 Bu gün

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