![](\"https:\/\/qaynarinfo.az\/file\/pic\/xeber\/2020-06\/1591286023_untitled-1.jpg\")
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Prezident \u0130lham \u018fliyev “Az\u0259rbaycan Respublikas\u0131 Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun v\u0259saiti hesab\u0131na g\u00fcz\u0259\u015ftli kreditl\u0259rin verilm\u0259si Qaydas\u0131\u201dn\u0131n t\u0259sdiq edilm\u0259si v\u0259 “Az\u0259rbaycan Respublikas\u0131nda sahibkarl\u0131\u011f\u0131n inki\u015faf\u0131na d\u00f6vl\u0259t d\u0259st\u0259yi mexanizminin t\u0259kmill\u0259\u015fdirilm\u0259si haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131 Prezidentinin 2018-ci il 31 iyul tarixli 224 n\u00f6mr\u0259li f\u0259rman\u0131nda d\u0259yi\u015fiklik edilm\u0259si bar\u0259d\u0259 f\u0259rman imzalay\u0131b.\u00a0<\/span><\/p>\n
Qaynarinfo-nun m\u0259lumat\u0131na g\u00f6r\u0259, f\u0259rman \u00f6lk\u0259 iqtisadiyyat\u0131nda qeyri-neft sektoruna investisiya qoyulu\u015flar\u0131n\u0131n v\u0259 \u00f6z\u0259l sektorda f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n sahibkarl\u0131q subyektl\u0259rinin maliyy\u0259 resurslar\u0131na \u00e7\u0131x\u0131\u015f imkanlar\u0131n\u0131n art\u0131r\u0131lmas\u0131 il\u0259 \u0259laq\u0259dar sahibkarl\u0131\u011f\u0131n inki\u015faf\u0131na d\u0259st\u0259k mexanizminin t\u0259kmill\u0259\u015fdirilm\u0259si, el\u0259c\u0259 d\u0259 Az\u0259rbaycan Respublikas\u0131 Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun maliyy\u0259l\u0259\u015fdirm\u0259 al\u0259tl\u0259rinin geni\u015fl\u0259ndirilm\u0259si m\u0259qs\u0259di da\u015f\u0131y\u0131r.\u00a0<\/p>\n
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<\/p>\n “Az\u0259rbaycan Respublikas\u0131 Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun v\u0259saiti hesab\u0131na g\u00fcz\u0259\u015ftli kreditl\u0259rin verilm\u0259si Qaydas\u0131\u201d t\u0259sdiq edillib.<\/p>\n
1. \u00dcmumi m\u00fcdd\u0259alar<\/p>\n
1.1. Bu Qayda Az\u0259rbaycan Respublikas\u0131 Sahibkarl\u0131\u011f\u0131n \u0130nki\u015faf\u0131 Fondunun (bundan sonra – Fond) v\u0259saiti hesab\u0131na g\u00fcz\u0259\u015ftli kreditin verilm\u0259si mexanizmini v\u0259 \u015f\u0259rtl\u0259rini m\u00fc\u0259yy\u0259n edir.<\/p>\n
1.2. Fondun g\u00fcz\u0259\u015ftli kredit verilm\u0259si \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulan v\u0259saiti Az\u0259rbaycan Respublikas\u0131n\u0131n sosial-iqtisadi inki\u015faf\u0131n\u0131n prioritet istiqam\u0259tl\u0259ri \u00fczr\u0259 sahibkarl\u0131q subyektl\u0259rinin investisiya layih\u0259l\u0259rinin maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 y\u00f6n\u0259ldilir.<\/p>\n
1.3. G\u00fcz\u0259\u015ftli kredit sahibkarl\u0131q subyektl\u0259rinin investisiya layih\u0259l\u0259rinin maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 y\u00f6n\u0259ldil\u0259n t\u0259yinatl\u0131 v\u0259 \u00fcnvanl\u0131 v\u0259saitdir. Bu v\u0259sait investisiya layih\u0259l\u0259rinin h\u0259yata ke\u00e7irilm\u0259si \u00fc\u00e7\u00fcn sahibkarl\u0131q subyektl\u0259rin\u0259 tam v\u0259 ya m\u0259rh\u0259l\u0259li \u015f\u0259kild\u0259 veril\u0259 bil\u0259r. G\u00fcz\u0259\u015ftli kreditl\u0259rin sahibkarl\u0131q subyektl\u0259rin\u0259 \u00e7atd\u0131r\u0131lmas\u0131 m\u00fcv\u0259kkil banklar v\u0259 ya bank olmayan kredit t\u0259\u015fkilatlar\u0131 (bundan sonra – m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131) vasit\u0259sil\u0259 onlar\u0131n \u00f6z ad\u0131ndan v\u0259 \u00f6z riskl\u0259ri hesab\u0131na h\u0259yata ke\u00e7irilir. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n Fondun kreditl\u0259rin\u0259 t\u0259tbiq etdiyi illik faiz d\u0259r\u0259c\u0259si istisna olmaqla, ayr\u0131lm\u0131\u015f g\u00fcz\u0259\u015ftli kreditl\u0259r m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n aktivi hesab edilmir. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 il\u0259 Fond aras\u0131nda g\u00fcz\u0259\u015ftli kredit v\u0259saitind\u0259n istifad\u0259 \u015f\u0259rtl\u0259rini n\u0259z\u0259rd\u0259 tutan m\u00fcqavil\u0259 imzalan\u0131r. Fond m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 il\u0259 sahibkarl\u0131q subyektl\u0259ri aras\u0131nda ba\u011flan\u0131lacaq m\u00fcqavil\u0259d\u0259 m\u0259cburi \u015f\u0259rtl\u0259rin olmas\u0131n\u0131 t\u0259l\u0259b ed\u0259 bil\u0259r.<\/p>\n
1.4. Fondun M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi meyarlara uy\u011fun olaraq se\u00e7ilmi\u015f b\u00fct\u00fcn banklar v\u0259 ya bank olmayan kredit t\u0259\u015fkilatlar\u0131 m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 kimi g\u00fcz\u0259\u015ftli kreditl\u0259rin verilm\u0259sind\u0259 i\u015ftirak ed\u0259 bil\u0259rl\u0259r.<\/p>\n
1.5. V\u0259saitin m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 aras\u0131nda s\u0259m\u0259r\u0259li b\u00f6lg\u00fcs\u00fcn\u00fc t\u0259min etm\u0259k m\u0259qs\u0259dil\u0259 h\u0259r il fevral\u0131n 1-d\u0259k Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131 m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n maliyy\u0259-statistik g\u00f6st\u0259ricil\u0259ri bar\u0259d\u0259 Fonda m\u00fcvafiq m\u0259lumat t\u0259qdim edir.<\/p>\n
1.6. Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131 Fondun v\u0259saitinin yerl\u0259\u015fdirilm\u0259sin\u0259 c\u0259lb edilmi\u015f m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n maliyy\u0259-statistik g\u00f6st\u0259ricil\u0259rind\u0259 il \u0259rzind\u0259 ba\u015f ver\u0259n d\u0259yi\u015fiklikl\u0259r bar\u0259d\u0259 m\u0259lumat\u0131 r\u00fcbd\u0259 bir d\u0259f\u0259d\u0259n az olmayaraq Fonda t\u0259qdim edir.<\/p>\n
1.7. Qaytar\u0131lan g\u00fcz\u0259\u015ftli kredit v\u0259saiti v\u0259 g\u00fcz\u0259\u015ftli kreditl\u0259r \u00fczr\u0259 daxilolmalar (faiz, c\u0259rim\u0259 v\u0259 sair) h\u0259min daxilolmalar\u0131n Fondun saxlan\u0131lmas\u0131 x\u0259rcl\u0259rin\u0259 ayr\u0131lan, h\u0259m\u00e7inin bu Qaydan\u0131n 1.8-ci b\u0259ndind\u0259 n\u0259z\u0259rd\u0259 tutulan hiss\u0259l\u0259ri istisna olmaqla, Fondun hesab\u0131nda saxlan\u0131l\u0131r v\u0259 yenid\u0259n bu Qaydan\u0131n 1.2-ci b\u0259ndind\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f m\u0259qs\u0259dl\u0259rl\u0259 istifad\u0259 olunur.<\/p>\n
1.8. Fondun g\u00fcz\u0259\u015ftli kreditl\u0259r \u00fczr\u0259 daxilolmalar\u0131n\u0131n (faiz, c\u0259rim\u0259 v\u0259 sair) 10 (on) faizi (Fondun saxlan\u0131lmas\u0131 x\u0259rcl\u0259ri g\u00fcz\u0259\u015ftli kreditl\u0259r \u00fczr\u0259 daxilolmalar\u0131n 90 (doxsan) faizind\u0259n daha \u00e7ox hiss\u0259sini t\u0259\u015fkil etdikd\u0259 is\u0259 Fondun saxlan\u0131lmas\u0131 x\u0259rcl\u0259rin\u0259 ayr\u0131lan hiss\u0259si istisna olmaqla, qalan v\u0259sait) Az\u0259rbaycan Respublikas\u0131 Prezidentinin m\u00fc\u0259yy\u0259n etdiyi qaydada b\u00f6l\u00fc\u015fd\u00fcr\u00fcl\u00fcr v\u0259 Az\u0259rbaycan Respublikas\u0131 Nazirl\u0259r Kabinetinin m\u00fc\u0259yy\u0259n etdiyi qaydada istifad\u0259 olunur.<\/p>\n
2. Fondun g\u00fcz\u0259\u015ftli kredit v\u0259saitind\u0259n istifad\u0259 istiqam\u0259tl\u0259ri<\/p>\n
Fondun g\u00fcz\u0259\u015ftli kredit v\u0259saiti \u00f6lk\u0259nin sosial-iqtisadi inki\u015faf\u0131 istiqam\u0259tl\u0259ri \u00e7\u0259r\u00e7iv\u0259sind\u0259 Az\u0259rbaycan Respublikas\u0131 Prezidentinin aktlar\u0131 il\u0259, el\u0259c\u0259 d\u0259 Fondun M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n q\u0259rar\u0131 il\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f prioritet sah\u0259l\u0259r, x\u00fcsusil\u0259 qeyri-neft sektorunun inki\u015faf\u0131, innovativ texnologiyalar\u0131n t\u0259tbiqi v\u0259 ixrac \u0259m\u0259liyyatlar\u0131 \u00fczr\u0259 investisiya layih\u0259l\u0259rinin maliyy\u0259l\u0259\u015fdirilm\u0259sin\u0259 y\u00f6n\u0259ldilir.<\/p>\n
3. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 vasit\u0259sil\u0259 kreditl\u0259rin verilm\u0259si<\/p>\n
3.1. H\u0259r bir m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 \u00fc\u00e7\u00fcn ilin \u0259vv\u0259lind\u0259 onun m\u00fcraci\u0259ti \u0259sas\u0131nda bu Qaydan\u0131n 3.2-ci b\u0259ndin\u0259 uy\u011fun olaraq, Fondun M\u00fc\u015fahid\u0259 \u015euras\u0131 limit m\u00fc\u0259yy\u0259n edir. Limit istifad\u0259 edildikd\u0259n sonra m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n m\u00fcraci\u0259ti \u0259sas\u0131nda Fondun M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n q\u0259rar\u0131 il\u0259 onlara sahibkarl\u0131q subyektl\u0259rinin investisiya layih\u0259l\u0259rinin maliyy\u0259l\u0259\u015fdirilm\u0259si m\u0259qs\u0259dil\u0259 \u0259lav\u0259 limit m\u00fc\u0259yy\u0259n edil\u0259 bil\u0259r.<\/p>\n
3.2. M\u00fcv\u0259kkil banklar\u0131n Fonddan c\u0259lb etdikl\u0259ri v\u0259saitl\u0259rin \u00fcmumi m\u0259bl\u0259\u011finin qal\u0131\u011f\u0131 onlar\u0131n m\u0259cmu kapital\u0131n\u0131n, bank olmayan kredit t\u0259\u015fkilatlar\u0131n\u0131n is\u0259 nizamnam\u0259 kapital\u0131n\u0131n 100 faizin\u0259d\u0259k ola bil\u0259r.<\/p>\n
3.3. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n m\u00fcraci\u0259ti \u0259sas\u0131nda ilkin limit \u00fczr\u0259 m\u00fc\u0259yy\u0259n edilmi\u015f v\u0259sait maliyy\u0259 ilinin ba\u015fa \u00e7atmas\u0131na 3 (\u00fc\u00e7) ay qalanad\u0259k, \u0259lav\u0259 limitl\u0259r \u00fczr\u0259 ilin sonuna 1 (bir) ay qalanad\u0259k 80 faizd\u0259n az istifad\u0259 olunarsa, v\u0259saitin istifad\u0259 olunmayan hiss\u0259sin\u0259 limit m\u00fc\u0259yy\u0259n edil\u0259n tarixd\u0259n etibar\u0259n m\u00fcvafiq olaraq oktyabr\u0131n 1-d\u0259k v\u0259 ya dekabr\u0131n 1-d\u0259k h\u0259r t\u0259qvim g\u00fcn\u00fc \u00fc\u00e7\u00fcn 0,02 faiz c\u0259rim\u0259 hesablan\u0131r. \u0130stifad\u0259 olunmam\u0131\u015f limitl\u0259r Fondun M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n q\u0259rar\u0131 il\u0259 l\u0259\u011fv oluna v\u0259 (v\u0259 ya) dig\u0259r m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131na ayr\u0131la bil\u0259r. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 limitin azald\u0131lmas\u0131 v\u0259 ya l\u0259\u011fv edilm\u0259si bar\u0259d\u0259 Fonda m\u00fcraci\u0259t ed\u0259 bil\u0259rl\u0259r.<\/p>\n
3.4. Bir m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 \u00fczr\u0259 m\u00fc\u0259yy\u0259n olunmu\u015f limit h\u0259min il \u00fczr\u0259 m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131na veril\u0259c\u0259k c\u0259mi limitin 35 faizind\u0259n \u00e7ox ola bilm\u0259z.<\/p>\n
3.5. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 istifad\u0259 etdikl\u0259ri v\u0259sait \u00fczr\u0259 \u0259sas borcu v\u0259 hesablanm\u0131\u015f faizl\u0259ri Fondla ba\u011flad\u0131qlar\u0131 m\u00fcqavil\u0259y\u0259 uy\u011fun olaraq, h\u0259r ay \u00fczr\u0259 n\u00f6vb\u0259ti ay\u0131n 3 (\u00fc\u00e7) i\u015f g\u00fcn\u00fcnd\u0259n gec olmayaraq Fonda \u00f6d\u0259m\u0259lidirl\u0259r.<\/p>\n
3.6. T\u0259bii f\u0259lak\u0259tl\u0259r, epidemiyalar, epizootiyalar, b\u00f6y\u00fck ekoloji v\u0259 dig\u0259r qar\u015f\u0131s\u0131al\u0131nmaz q\u00fcvv\u0259 (fors-major hadis\u0259) il\u0259 ba\u011fl\u0131 \u015f\u0259raitin \u0259h\u0259miyy\u0259tli d\u0259r\u0259c\u0259d\u0259 d\u0259yi\u015fm\u0259si s\u0259b\u0259bind\u0259n M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi qaydada m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n Fond qar\u015f\u0131s\u0131ndak\u0131 borc \u00f6hd\u0259liyinin restrukturizasiyas\u0131 (\u00f6hd\u0259liyin icras\u0131na m\u00f6hl\u0259t verilm\u0259si) h\u0259yata ke\u00e7iril\u0259 bil\u0259r.<\/p>\n
3.7. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n Fond qar\u015f\u0131s\u0131nda \u00f6hd\u0259likl\u0259ri onlar\u0131n sahibkarl\u0131q subyektl\u0259rin\u0259 m\u00fcnasib\u0259tind\u0259n as\u0131l\u0131 deyildir. Sahibkarl\u0131q subyektl\u0259ri t\u0259r\u0259find\u0259n g\u00fcz\u0259\u015ftli kreditl\u0259r, faizl\u0259r v\u0259 dig\u0259r \u00f6hd\u0259likl\u0259r \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259rin h\u0259yata ke\u00e7irilm\u0259sind\u0259n as\u0131l\u0131 olmayaraq, m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 Fond qar\u015f\u0131s\u0131nda \u00f6z \u00f6hd\u0259likl\u0259rini m\u00fcqavil\u0259 \u015f\u0259rtl\u0259rin\u0259 uy\u011fun olaraq yerin\u0259 yetirm\u0259lidirl\u0259r. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 Fond qar\u015f\u0131s\u0131nda \u00f6hd\u0259likl\u0259rinin gecikdirildiyi h\u0259r g\u00fcn \u00fc\u00e7\u00fcn k\u00f6\u00e7\u00fcr\u00fclm\u0259y\u0259n v\u0259saitin 0,1 faizi h\u0259cmind\u0259, lakin 120 (y\u00fcz iyirmi) g\u00fcnd\u0259n \u00e7ox olmamaq \u015f\u0259rtil\u0259 c\u0259rim\u0259 \u00f6d\u0259yirl\u0259r. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 \u00f6hd\u0259likl\u0259rini icra etm\u0259dikd\u0259, Fond \u00f6z v\u0259saitinin qaytar\u0131lmas\u0131 \u00fc\u00e7\u00fcn t\u0259dbirl\u0259r g\u00f6r\u00fcr.<\/p>\n
3.8. Fond qar\u015f\u0131s\u0131nda yaranm\u0131\u015f \u00f6hd\u0259likl\u0259rinin t\u0259minat\u0131 m\u0259qs\u0259dil\u0259, Fondun t\u0259l\u0259bi \u00fczr\u0259 m\u00fcvafiq pul v\u0259saitinin m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131n Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131ndak\u0131 m\u00fcxbir hesab\u0131ndan silinm\u0259si haqq\u0131nda Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131na yaz\u0131l\u0131 s\u0259r\u0259ncam verm\u0259k \u00f6hd\u0259liyi v\u0259 bu s\u0259r\u0259ncam\u0131n h\u0259min m\u00fcqavil\u0259 \u00fczr\u0259 \u00f6hd\u0259likl\u0259r\u0259 xitam veril\u0259n\u0259d\u0259k q\u00fcvv\u0259d\u0259 qalmas\u0131 bar\u0259d\u0259 m\u00fcdd\u0259a Fondla m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 aras\u0131nda ba\u011flan\u0131lan m\u00fcqavil\u0259d\u0259 n\u0259z\u0259rd\u0259 tutulur.<\/p>\n
3.9. M\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131n lisenziyas\u0131 l\u0259\u011fv edildikd\u0259 v\u0259 bununla \u0259laq\u0259dar l\u0259\u011fvetm\u0259 proseduruna m\u0259ruz qald\u0131qda, Fondun \u0130dar\u0259 Hey\u0259ti s\u0259drinin m\u00fcraci\u0259ti \u0259sas\u0131nda l\u0259\u011fvediciy\u0259 n\u0259zar\u0259t ed\u0259n m\u0259hk\u0259m\u0259 orqan\u0131 Fondun g\u00fcz\u0259\u015ftli kredit v\u0259saiti hesab\u0131na maliyy\u0259l\u0259\u015fdiril\u0259n kredit portfelinin ham\u0131s\u0131n\u0131 v\u0259 ya bir hiss\u0259sini l\u0259\u011fvetm\u0259y\u0259 m\u0259ruz qalm\u0131\u015f bankdan (v\u0259 ya bank olmayan kredit t\u0259\u015fkilat\u0131ndan) dig\u0259r m\u00fcv\u0259kkil bank\u0131n (v\u0259 ya bank olmayan kredit t\u0259\u015fkilat\u0131n\u0131n) raz\u0131l\u0131\u011f\u0131 oldu\u011fu halda ona k\u00f6\u00e7\u00fcr\u00fcr. Bu zaman l\u0259\u011fvedici t\u0259r\u0259find\u0259n h\u0259min kredit\u0259 hesablanm\u0131\u015f faiz v\u0259 c\u0259rim\u0259l\u0259rin silinm\u0259si h\u0259yata ke\u00e7irilir v\u0259 h\u0259min kreditin t\u0259minat\u0131 kimi kredit t\u0259\u015fkilat\u0131n\u0131n xeyrin\u0259 ipoteka il\u0259 y\u00fckl\u00fc edilmi\u015f v\u0259 ya girov qoyulmu\u015f \u0259mlak \u00fczr\u0259 h\u00fcquqlar yeni m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na \u00f6t\u00fcr\u00fcl\u00fcr.<\/p>\n
3.10. K\u00f6\u00e7\u00fcr\u00fclm\u0259 zaman\u0131 m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131n m\u00fcraci\u0259ti \u0259sas\u0131nda m\u00fcvafiq sahibkarl\u0131q subyektin\u0259 (v\u0259 ya subyektl\u0259rin\u0259) verilmi\u015f g\u00fcz\u0259\u015ftli kreditin restrukturizasiyas\u0131 (kreditin \u00f6d\u0259m\u0259 m\u00fcdd\u0259tinin uzad\u0131lmas\u0131) Fondun M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi qaydada (yaln\u0131z bir d\u0259f\u0259) h\u0259yata ke\u00e7iril\u0259 bil\u0259r.<\/p>\n
4. G\u00fcz\u0259\u015ftli kreditl\u0259rin sahibkarl\u0131q subyektl\u0259rin\u0259 ayr\u0131lmas\u0131 v\u0259 onlardan istifad\u0259<\/p>\n
4.1. Fondun v\u0259saiti hesab\u0131na g\u00fcz\u0259\u015ftli kredit almaq \u00fc\u00e7\u00fcn sahibkarl\u0131q subyektl\u0259ri ilkin olaraq m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na r\u0259smi qaydada m\u00fcraci\u0259t edirl\u0259r. M\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 m\u00fcraci\u0259tl\u0259ri qeydiyyata al\u0131r v\u0259 sahibkara m\u00fcraci\u0259tin qeydiyyata al\u0131nmas\u0131n\u0131 t\u0259sdiq ed\u0259n m\u00fcvafiq s\u0259n\u0259d t\u0259qdim edir. M\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 10 (on) i\u015f g\u00fcn\u00fcnd\u0259n gec olmayaraq, \u00f6z biznes maraqlar\u0131 v\u0259 Fondun m\u00fc\u0259yy\u0259n etdiyi investisiya layih\u0259l\u0259rinin t\u0259rtib olunmas\u0131na dair minimal t\u0259l\u0259bl\u0259r v\u0259 qiym\u0259tl\u0259ndirm\u0259 meyarlar\u0131 \u0259sas\u0131nda investisiya layih\u0259l\u0259rini t\u0259hlil ed\u0259r\u0259k, layih\u0259nin maliyy\u0259l\u0259\u015fdirilm\u0259si v\u0259 ya maliyy\u0259l\u0259\u015fdirm\u0259d\u0259n imtina bar\u0259d\u0259 q\u0259rar\u0131n\u0131 sahibkara bildirir. M\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 m\u00fcsb\u0259t qiym\u0259tl\u0259ndirdiyi layih\u0259l\u0259r\u0259 dair Fondun m\u00fc\u0259yy\u0259n etdiyi m\u0259lumatlar\u0131 v\u0259 s\u0259n\u0259dl\u0259ri Fonda t\u0259qdim edir. Fond investisiya layih\u0259sinin tam v\u0259 h\u0259rt\u0259r\u0259fli ekspertizas\u0131 \u00fc\u00e7\u00fcn \u0259lav\u0259 m\u0259lumat v\u0259 s\u0259n\u0259dl\u0259r t\u0259l\u0259b ed\u0259 bil\u0259r.<\/p>\n
4.2. Fond 10 (on) i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 Fondun g\u00fcz\u0259\u015ftli kredit v\u0259saiti hesab\u0131na maliyy\u0259l\u0259\u015fdirilm\u0259k \u00fc\u00e7\u00fcn t\u0259qdim olunmu\u015f layih\u0259l\u0259ri ekspertizadan ke\u00e7irir v\u0259 m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n t\u0259qdim etdiyi investisiya layih\u0259l\u0259rinin bilavasit\u0259 yerind\u0259, M\u00fc\u015fahid\u0259 \u015euras\u0131n\u0131n m\u00fc\u0259yy\u0259n etdiyi qaydada ilkin monitorinqini apar\u0131r. Ekspertizan\u0131n n\u0259tic\u0259sind\u0259n as\u0131l\u0131 olaraq, Fond m\u00fcraci\u0259tl\u0259rin t\u0259min olunmas\u0131na v\u0259 ya ondan imtina edilm\u0259sin\u0259 dair q\u0259rar q\u0259bul edir v\u0259 bu bar\u0259d\u0259 m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na r\u0259smi m\u0259lumat verir.<\/p>\n
4.3. Sahibkarl\u0131q subyekti il\u0259 kreditl\u0259\u015fm\u0259y\u0259 dair b\u00fct\u00fcn s\u0259n\u0259dl\u0259\u015fm\u0259 yekunla\u015fd\u0131r\u0131ld\u0131qdan sonra m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 kredit v\u0259saitinin ayr\u0131lmas\u0131 bar\u0259d\u0259 Fonda sifari\u015f g\u00f6nd\u0259rir. Fond 3 (\u00fc\u00e7) i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 v\u0259saitin m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na ayr\u0131lmas\u0131n\u0131 t\u0259min edir. Ayr\u0131lm\u0131\u015f v\u0259sait m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131n m\u00fcxbir hesab\u0131na daxil olduqdan sonra kredit t\u0259\u015fkilat\u0131 5 (be\u015f) i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 v\u0259saiti sahibkarl\u0131q subyektinin hesab\u0131na k\u00f6\u00e7\u00fcr\u0259r\u0259k, Fonda v\u0259 sahibkarl\u0131q subyektin\u0259 bu bar\u0259d\u0259 m\u0259lumat verir.<\/p>\n
4.4. Fondun g\u00fcz\u0259\u015ftli kreditl\u0259rind\u0259n istifad\u0259 etm\u0259k \u00fc\u00e7\u00fcn m\u00fcraci\u0259t etmi\u015f b\u00fct\u00fcn sahibkarl\u0131q subyektl\u0259ri haqq\u0131nda m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 h\u0259r r\u00fcb bitdikd\u0259n sonra n\u00f6vb\u0259ti ay\u0131n ilk 5 (be\u015f) i\u015f g\u00fcn\u00fcnd\u0259n gec olmayaraq Fonda m\u0259lumat verm\u0259lidir. T\u0259qdim olunacaq m\u0259lumat\u0131n formas\u0131n\u0131 Fond m\u00fc\u0259yy\u0259nl\u0259\u015fdirir. Z\u0259ruri hallarda Fond bu m\u0259lumatlar\u0131 m\u00fc\u0259yy\u0259n edilmi\u015f m\u00fcdd\u0259td\u0259n \u0259vv\u0259l t\u0259l\u0259b ed\u0259 bil\u0259r.<\/p>\n
5. Kreditl\u0259rin h\u0259dl\u0259ri<\/p>\n
5.1. Sahibkarl\u0131q subyektl\u0259rin\u0259 Fondun v\u0259saitind\u0259n (bu Qaydan\u0131n 8.1.1-ci yar\u0131mb\u0259ndi istisna olmaqla) a\u015fa\u011f\u0131dak\u0131 h\u0259dl\u0259rd\u0259 g\u00fcz\u0259\u015ftli kredit veril\u0259 bil\u0259r:<\/p>\n
5.1.1. 5 000 manatdan 50 000 manatad\u0259k – ki\u00e7ikh\u0259cmli kreditl\u0259r;<\/p>\n
5.1.2. 50 001 manatdan 1 000 000 manatad\u0259k – ortah\u0259cmli kreditl\u0259r;<\/p>\n
5.1.3. 1 000 001 manatdan 10 000 000 manatad\u0259k – b\u00f6y\u00fckh\u0259cmli kreditl\u0259r.<\/p>\n
5.2. H\u0259r bir investisiya layih\u0259si \u00fczr\u0259 Fondun ay\u0131rd\u0131\u011f\u0131 v\u0259saitin maksimum h\u0259ddi 10 000 000 manatdan art\u0131q ola bilm\u0259z.<\/p>\n
6. Kreditl\u0259rin m\u00fcdd\u0259ti v\u0259 faizl\u0259ri<\/p>\n
6.1. Fondun g\u00fcz\u0259\u015ftli kreditl\u0259rinin m\u00fcdd\u0259tl\u0259ri (bu Qaydan\u0131n 8.1.2-ci yar\u0131mb\u0259ndi istisna olmaqla) a\u015fa\u011f\u0131dak\u0131 kimi m\u00fc\u0259yy\u0259n edilir:<\/p>\n
6.1.1. ki\u00e7ikh\u0259cmli kreditl\u0259r \u00fc\u00e7\u00fcn – 3 (\u00fc\u00e7) il\u0259d\u0259k;<\/p>\n
6.1.2. ortah\u0259cmli kreditl\u0259r \u00fc\u00e7\u00fcn – 5 (be\u015f) il\u0259d\u0259k;<\/p>\n
6.1.3. b\u00f6y\u00fckh\u0259cmli kreditl\u0259r \u00fc\u00e7\u00fcn -10 (on) il\u0259d\u0259k.<\/p>\n
6.2. K\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 m\u0259hsullar\u0131n\u0131n istehsal\u0131nda Fondun M\u00fc\u015fahid\u0259 \u015euras\u0131 t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n edil\u0259n uzunm\u00fcdd\u0259tli investisiya t\u0259l\u0259b ed\u0259n sah\u0259l\u0259r \u00fczr\u0259 investisiya layih\u0259l\u0259rinin maliyy\u0259l\u0259\u015fdirilm\u0259si zaman\u0131 ki\u00e7ikh\u0259cmli v\u0259 ortah\u0259cmli kreditl\u0259r \u00fc\u00e7\u00fcn kreditin m\u00fcdd\u0259ti 2 (iki) il art\u0131r\u0131l\u0131r.<\/p>\n
6.3. Bu Qaydan\u0131n 8.1.3-c\u00fc yar\u0131mb\u0259ndi istisna olmaqla, Fondun kreditl\u0259rinin illik faiz d\u0259r\u0259c\u0259si 1 (bir) faizd\u0259n, m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n t\u0259tbiq etdikl\u0259ri illik faiz d\u0259r\u0259c\u0259si is\u0259 4 (d\u00f6rd) faizd\u0259n art\u0131q olmamaq \u015f\u0259rtil\u0259, \u00fcmumilikd\u0259 g\u00fcz\u0259\u015ftli kreditl\u0259rin illik faiz d\u0259r\u0259c\u0259si 5 (be\u015f) faiz\u0259d\u0259k m\u00fc\u0259yy\u0259n edilir.<\/p>\n
6.4. Fondun dig\u0259r m\u0259nb\u0259l\u0259rd\u0259n c\u0259lb etdiyi v\u0259saitl\u0259r\u0259 h\u0259min m\u0259nb\u0259l\u0259rl\u0259 ba\u011flan\u0131lan m\u00fcqavil\u0259l\u0259rd\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f faizl\u0259r n\u0259z\u0259r\u0259 al\u0131nmaqla, bu Qaydan\u0131n 6.3-c\u00fc b\u0259ndi t\u0259tbiq edilir.<\/p>\n
7. G\u00fcz\u0259\u015ft m\u00fcdd\u0259ti<\/p>\n
Kreditl\u0259rd\u0259n istifad\u0259 \u00fczr\u0259 g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti (bu Qaydan\u0131n 8.1.4-c\u00fc yar\u0131mb\u0259ndi istisna olmaqla) sahibkarl\u0131q subyektinin investisiya layih\u0259si \u00fczr\u0259 na\u011fd pulun h\u0259r\u0259k\u0259ti bar\u0259d\u0259 m\u0259lumat \u0259sas\u0131nda m\u00fc\u0259yy\u0259n edilir v\u0259 kreditd\u0259n istifad\u0259 m\u00fcdd\u0259tinin ilk 1\/2 d\u00f6vr\u00fcn\u00fc \u0259hat\u0259 ed\u0259 bil\u0259r. Bu Qaydan\u0131n 6.2-ci b\u0259ndind\u0259 n\u0259z\u0259rd\u0259 tutulan investisiya layih\u0259l\u0259ri \u00fczr\u0259 g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti is\u0259 kreditd\u0259n istifad\u0259 m\u00fcdd\u0259tinin ilk 1\/2 d\u00f6vr\u00fcn\u00fc \u0259hat\u0259 etm\u0259lidir. G\u00fcz\u0259\u015ft m\u00fcdd\u0259tind\u0259 sahibkarl\u0131q subyektl\u0259ri yaln\u0131z faiz borclar\u0131n\u0131 \u00f6d\u0259m\u0259lidirl\u0259r. M\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 sahibkarl\u0131q subyekti \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n etdiyi g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti bar\u0259d\u0259 Fonda m\u0259lumat verm\u0259lidir.<\/p>\n
8. Avadanl\u0131qlar\u0131n al\u0131nmas\u0131 \u00fc\u00e7\u00fcn g\u00fcz\u0259\u015ftli kreditl\u0259rin \u015f\u0259rtl\u0259ri<\/p>\n
8.1. Avadanl\u0131qlar\u0131n girov qoyulmas\u0131 yolu il\u0259 m\u00f6vcud avadanl\u0131qlar\u0131n\u0131 yenil\u0259m\u0259k v\u0259 ya yeni avadanl\u0131qlar \u0259ld\u0259 etm\u0259k ist\u0259y\u0259n sahibkarl\u0131q subyektl\u0259rin\u0259 Fondun g\u00fcz\u0259\u015ftli kreditl\u0259ri bu Qaydaya uy\u011fun olaraq a\u015fa\u011f\u0131dak\u0131 \u015f\u0259rtl\u0259rl\u0259 verilir:<\/p>\n
8.1.1. kredit 5 000 manatdan az, 3 000 000 manatdan \u00e7ox olmamal\u0131;<\/p>\n
8.1.2. kreditin m\u00fcdd\u0259ti 5 (be\u015f) ild\u0259n \u00e7ox olmamal\u0131;<\/p>\n
8.1.3. Fondun illik faiz d\u0259r\u0259c\u0259si 2 (iki) faizd\u0259n, m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131n\u0131n t\u0259tbiq etdikl\u0259ri illik faiz d\u0259r\u0259c\u0259si is\u0259 7 (yeddi) faizd\u0259n art\u0131q olmamaq \u015f\u0259rtil\u0259, \u00fcmumilikd\u0259 kreditin illik faiz d\u0259r\u0259c\u0259si 9 (doqquz) faizd\u0259n art\u0131q olmamal\u0131;<\/p>\n
8.1.4. g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti avadanl\u0131\u011f\u0131n qura\u015fd\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn t\u0259l\u0259b olunan vaxt n\u0259z\u0259r\u0259 al\u0131nmaqla, 12 (on iki) aydan \u00e7ox olmamal\u0131;<\/p>\n
8.1.5. kreditl\u0259rin t\u0259minat\u0131 kimi al\u0131nan avadanl\u0131qlar m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131n xeyrin\u0259 y\u00fckl\u00fc edilm\u0259li v\u0259 Da\u015f\u0131nar \u0259mlak\u0131n y\u00fckl\u00fcl\u00fcy\u00fcn\u00fcn d\u00f6vl\u0259t reyestrin\u0259 daxil edilm\u0259li;<\/p>\n
8.1.6. kreditl\u0259r yaln\u0131z yeni avadanl\u0131qlar\u0131n al\u0131nmas\u0131 \u00fc\u00e7\u00fcn verilm\u0259li;<\/p>\n
8.1.7. sahibkarl\u0131q subyekti avadanl\u0131\u011f\u0131n qiym\u0259tl\u0259ndirilm\u0259si n\u0259tic\u0259sind\u0259 m\u00fc\u0259yy\u0259n edil\u0259n sat\u0131\u015f d\u0259y\u0259rinin minimum 20 faizi (yerli istehsal m\u0259hsulu olan avadanl\u0131qlar \u00fc\u00e7\u00fcn is\u0259 10 faizi) h\u0259cmind\u0259 m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na ilkin \u00f6d\u0259ni\u015f etm\u0259li;<\/p>\n
8.1.8. kredit v\u0259saiti sahibkarl\u0131q subyektinin ilkin \u00f6d\u0259ni\u015f m\u0259bl\u0259\u011fi il\u0259 birlikd\u0259 sat\u0131c\u0131n\u0131n bank hesab\u0131na k\u00f6\u00e7\u00fcr\u00fclm\u0259lidir.<\/p>\n
8.2. Sahibkarl\u0131q subyekti il\u0259 sat\u0131c\u0131 aras\u0131nda avadanl\u0131qlar\u0131n al\u0131nmas\u0131na dair ba\u011flan\u0131lm\u0131\u015f m\u00fcqavil\u0259nin \u015f\u0259rtl\u0259rind\u0259n as\u0131l\u0131 olaraq, kredit tam v\u0259 ya m\u0259rh\u0259l\u0259li \u015f\u0259kild\u0259 ayr\u0131l\u0131r.<\/p>\n
9. Sahibkarl\u0131q subyektl\u0259rinin krediti geri qaytarmas\u0131<\/p>\n
9.1. Sahibkarl\u0131q subyektl\u0259ri ald\u0131qlar\u0131 g\u00fcz\u0259\u015ftli kreditl\u0259r \u00fczr\u0259 faiz borclar\u0131n\u0131 m\u00fcqavil\u0259 \u015f\u0259rtl\u0259rin\u0259 uy\u011fun olaraq h\u0259r ay \u00f6d\u0259m\u0259lidirl\u0259r. \u018fsas borc is\u0259 g\u00fcz\u0259\u015ft m\u00fcdd\u0259ti bitdikd\u0259n sonra qalan m\u00fcdd\u0259t \u0259rzind\u0259 n\u00f6vb\u0259ti aydan etibar\u0259n b\u0259rab\u0259r hiss\u0259l\u0259r\u0259 b\u00f6l\u00fcnm\u0259kl\u0259 \u00f6d\u0259nilir. Sahibkarl\u0131q subyektl\u0259rinin vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259dikl\u0259ri faizl\u0259ri v\u0259 ya \u0259sas borcu m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 3 (\u00fc\u00e7) i\u015f g\u00fcn\u00fcnd\u0259n gec olmayaraq Fondun hesab\u0131na k\u00f6\u00e7\u00fcrm\u0259lidir. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 h\u0259min v\u0259saitin Fondun hesab\u0131na k\u00f6\u00e7\u00fcr\u00fclm\u0259sini gecikdirdikd\u0259, onlar bu Qaydan\u0131n 3.7-ci b\u0259ndin\u0259 uy\u011fun olaraq c\u0259rim\u0259 \u00f6d\u0259m\u0259lidirl\u0259r. Gecikdirm\u0259 30 (otuz) i\u015f g\u00fcn\u00fcnd\u0259n \u00e7ox olarsa, Fondun M\u00fc\u015fahid\u0259 \u015euras\u0131 m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na yeni v\u0259sait ayr\u0131lmas\u0131n\u0131 dayand\u0131ra v\u0259 ya onu m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlan s\u0131ras\u0131ndan \u00e7\u0131xara bil\u0259r.<\/p>\n
9.2. Fond sahibkarl\u0131q subyektl\u0259rinin \u0259sas borcu v\u0259 faizl\u0259ri m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131na \u00f6d\u0259m\u0259si tarixi il\u0259 m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 t\u0259r\u0259find\u0259n Fonda k\u00f6\u00e7\u00fcr\u00fclm\u0259si tarixinin \u00fczl\u0259\u015fm\u0259sini apara v\u0259 ya bunun \u00fc\u00e7\u00fcn Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131na m\u00fcraci\u0259t ed\u0259 bil\u0259r. Bel\u0259 m\u00fcraci\u0259t daxil oldu\u011fu t\u0259qdird\u0259, Az\u0259rbaycan Respublikas\u0131n\u0131n M\u0259rk\u0259zi Bank\u0131 yoxlama zaman\u0131 m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 t\u0259r\u0259find\u0259n Fonda k\u00f6\u00e7\u00fcrm\u0259l\u0259rd\u0259 uy\u011funsuzluq a\u015fkar etdikd\u0259, bu bar\u0259d\u0259 Fonda m\u0259lumat verir.<\/p>\n
9.3. Sahibkarl\u0131q subyektl\u0259rinin krediti geri qaytarmamas\u0131 v\u0259 ya gecikdirm\u0259si m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131 Fond qar\u015f\u0131s\u0131ndak\u0131 \u00f6hd\u0259likl\u0259rd\u0259n azad etmir.<\/p>\n
9.4. M\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131n lisenziyas\u0131 l\u0259\u011fv olunduqda, el\u0259c\u0259 d\u0259 m\u0259cburi l\u0259\u011fv v\u0259 ya iflas prosesi zaman\u0131 g\u00fcz\u0259\u015ftli kreditl\u0259rin qaytar\u0131lmas\u0131n\u0131 bu Qaydan\u0131n 9.1-ci b\u0259ndin\u0259 uy\u011fun olaraq bu m\u0259qs\u0259dl\u0259 t\u0259yin edilmi\u015f s\u0259lahiyy\u0259tli orqan (l\u0259\u011fvedici) h\u0259yata ke\u00e7irm\u0259lidir.<\/p>\n
10. Layih\u0259nin monitorinqi<\/p>\n
10.1. M\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 Fondun m\u00fc\u0259yy\u0259n etdiyi qaydada ild\u0259 az\u0131 iki d\u0259f\u0259 h\u0259r bir sahibkarl\u0131q subyektinin Fondun g\u00fcz\u0259\u015ftli kredit v\u0259saitind\u0259n investisiya layih\u0259si \u00fczr\u0259 istifad\u0259 etm\u0259sinin monitorinqini apar\u0131r v\u0259 bu bar\u0259d\u0259 Fonda hesabat verirl\u0259r. Hesabat\u0131n strukturunu v\u0259 formas\u0131n\u0131 Fond m\u00fc\u0259yy\u0259n edir. M\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131n\u0131n apard\u0131\u011f\u0131 monitorinq zaman\u0131 g\u00fcz\u0259\u015ftli kredit v\u0259saitind\u0259n t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259 edilm\u0259m\u0259si hallar\u0131 a\u015fkar olunduqda, m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 g\u00fcz\u0259\u015ftli kreditin t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259 edilm\u0259mi\u015f hiss\u0259sini v\u0259 ona hesablanm\u0131\u015f faiz borcunun vaxt\u0131ndan \u0259vv\u0259l \u00f6d\u0259nilm\u0259sini sahibkarl\u0131q subyektind\u0259n t\u0259l\u0259b etm\u0259lidir. Sahibkarl\u0131q subyektinin \u00f6z \u00f6hd\u0259liyini yerin\u0259 yetirib-yetirm\u0259m\u0259sind\u0259n as\u0131l\u0131 olmayaraq, m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 10 (on) i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 m\u0259hz bu layih\u0259 il\u0259 ba\u011fl\u0131 kreditin t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259 edilm\u0259mi\u015f hiss\u0259sini v\u0259 ona hesablanm\u0131\u015f faiz borcunu Fondun hesab\u0131na k\u00f6\u00e7\u00fcrm\u0259lidir.<\/p>\n
10.2. V\u0259saitd\u0259n t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259y\u0259 n\u0259zar\u0259t m\u0259qs\u0259dil\u0259 Fond maliyy\u0259l\u0259\u015fdirdiyi sahibkarl\u0131q subyektl\u0259rind\u0259 m\u00fcst\u0259qil monitorinql\u0259r apara bil\u0259r. Fondun apard\u0131\u011f\u0131 monitorinq zaman\u0131 g\u00fcz\u0259\u015ftli kredit v\u0259saitind\u0259n t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259 edilm\u0259m\u0259si hallar\u0131 a\u015fkarland\u0131qda, m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 t\u0259r\u0259find\u0259n sahibkarl\u0131q subyektinin onun qar\u015f\u0131s\u0131nda \u00f6hd\u0259likl\u0259rini icra edib-etm\u0259m\u0259sind\u0259n as\u0131l\u0131 olmayaraq kreditin t\u0259yinat\u0131 \u00fczr\u0259 istifad\u0259 edilm\u0259mi\u015f hiss\u0259si v\u0259 ona hesablanm\u0131\u015f faiz borcu Fondun hesab\u0131na k\u00f6\u00e7\u00fcr\u00fcl\u00fcr. Fondun yaz\u0131l\u0131 t\u0259l\u0259bind\u0259n sonra m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 10 (on) i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 v\u0259saitin k\u00f6\u00e7\u00fcr\u00fclm\u0259sini gecikdir\u0259rs\u0259, bu Qaydan\u0131n 3.7-ci b\u0259ndin\u0259 uy\u011fun olaraq Fonda c\u0259rim\u0259 \u00f6d\u0259yir. T\u0259l\u0259b edil\u0259n v\u0259saitin k\u00f6\u00e7\u00fcr\u00fclm\u0259si 30 (otuz) i\u015f g\u00fcn\u00fcn\u00fc ke\u00e7diyi t\u0259qdird\u0259, Fond gecikdiril\u0259n m\u0259bl\u0259\u011fin qaytar\u0131lmas\u0131 \u00fc\u00e7\u00fcn t\u0259dbirl\u0259r g\u00f6r\u00fcr.<\/p>\n
10.3. Fondun m\u00fc\u0259yy\u0259n etdiyi monitorinq ke\u00e7irilm\u0259si qaydas\u0131n\u0131 m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 3 (\u00fc\u00e7) d\u0259f\u0259 pozduqda, h\u0259min m\u00fcv\u0259kkil kredit t\u0259\u015fkilat\u0131 \u00fc\u00e7\u00fcn Fondun m\u00fc\u0259yy\u0259n etdiyi limitl\u0259r l\u0259\u011fv edil\u0259 v\u0259 ya o, m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 s\u0131ras\u0131ndan \u00e7\u0131xar\u0131la bil\u0259r.<\/p>\n
11. Yekun m\u00fcdd\u0259a<\/p>\n
Bu Qaydan\u0131n 1.3-c\u00fc, 3.7-ci, 3.8-ci, 3.9-cu v\u0259 9.4-c\u00fc b\u0259ndl\u0259ri bu Qayda t\u0259sdiq olundu\u011fu g\u00fcn\u0259d\u0259k m\u00fcv\u0259kkil kredit t\u0259\u015fkilatlar\u0131 il\u0259 yaranm\u0131\u015f m\u00fcnasib\u0259tl\u0259r\u0259 d\u0259 \u015famil edilir.<\/p>\n<\/p><\/div>\n
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