{"id":97794,"date":"2024-01-18T16:16:21","date_gmt":"2024-01-18T12:16:21","guid":{"rendered":"https:\/\/fedai.az\/?p=97794"},"modified":"2024-01-18T16:16:21","modified_gmt":"2024-01-18T12:16:21","slug":"pensiya-kapitalini-bu-halda-tam-goturm%c9%99k-mumkun-olacaq","status":"publish","type":"post","link":"https:\/\/fedai.az\/?p=97794","title":{"rendered":"Pensiya kapital\u0131n\u0131 bu halda tam g\u00f6t\u00fcrm\u0259k\u00a0M\u00dcMK\u00dcN OLACAQ"},"content":{"rendered":"\n<p><strong>\u00c7ox vaxt insanlar toplad\u0131qlar\u0131 pensiya kapital\u0131n\u0131 bird\u0259f\u0259y\u0259 \u0259ld\u0259 etm\u0259k arzusunda olurlar. El\u0259 hesab ed\u0259n v\u0259t\u0259nda\u015flar var ki, bu v\u0259sait onlara aid oldu\u011fundan pulu hiss\u0259l\u0259rl\u0259 deyil, tam \u015f\u0259kild\u0259 g\u00f6t\u00fcrm\u0259lidirl\u0259r. \u00c7\u00fcnki bir \u00e7ox hallarda insan \u00f6mr\u00fcn\u00fcn m\u00fcdd\u0259ti pensiya kapital\u0131ndan tam yararlanma\u011fa imkan vermir. Lakin qanunvericilik pensiya kapital\u0131ndan pensiya ya\u015f\u0131na \u00e7atd\u0131qdan sonra 12 il \u0259rzind\u0259 \u0259ld\u0259 etm\u0259yi n\u0259z\u0259rd\u0259 tutur. Ba\u015fqa s\u00f6zl\u0259, pensiya kapital\u0131 144 aya b\u00f6l\u00fcn\u0259r\u0259k ayl\u0131q pensiya \u015f\u0259klind\u0259 \u00f6d\u0259nilir. \u0130lb\u0259il is\u0259 ayl\u0131q pensiya m\u0259bl\u0259\u011fi orta ayl\u0131q \u0259m\u0259khaqq\u0131n\u0131n illik art\u0131m\u0131na uy\u011fun art\u0131r\u0131l\u0131r.\u00a0<\/strong><\/p>\n\n\n\n<p><strong>Fedai.az<\/strong>\u00a0\u201cQafqazinfo\u201dya istinad\u0259n x\u0259b\u0259r verir ki, bununla bel\u0259, g\u0259l\u0259c\u0259kd\u0259 pensiya kapital\u0131n\u0131 bird\u0259f\u0259y\u0259 g\u00f6t\u00fcrm\u0259k m\u00fcmk\u00fcn ola bil\u0259r. Ancaq bu, \u00f6z\u0259l pensiya fondlar\u0131nda toplan\u0131lan v\u0259saitl\u0259r\u0259 aid olacaq. Daha d\u0259qiq des\u0259k, v\u0259t\u0259nda\u015flar \u0259m\u0259khaqlar\u0131ndan m\u0259cburi d\u00f6vl\u0259t sosial haqq\u0131 il\u0259 yana\u015f\u0131, \u00f6z\u0259l pensiya fonduna da v\u0259sait \u00f6d\u0259m\u0259kl\u0259 \u00f6zl\u0259rin\u0259 \u0259lav\u0259 pensiya t\u0259minat\u0131 yarada bil\u0259c\u0259kl\u0259r. Haz\u0131rda i\u015fl\u0259y\u0259nl\u0259rin m\u0259cburi d\u00f6vl\u0259t sosial haqlar\u0131 \u0259m\u0259khaqq\u0131n\u0131n 25 faizi h\u0259cmind\u0259dir. Onun bir hiss\u0259sini i\u015fl\u0259y\u0259n, dig\u0259rini i\u015f\u0259g\u00f6t\u00fcr\u0259n \u00f6d\u0259yir. D\u00f6vl\u0259t sektorunda i\u015fl\u0259y\u0259nl\u0259r \u0259m\u0259khaqq\u0131n\u0131n 3 faizi, \u00f6z\u0259l sektordak\u0131lar 10 faizi (200 manatad\u0259k hiss\u0259sinin 3 faizi) h\u0259cmind\u0259 sosial s\u0131\u011forta haqq\u0131 \u00f6d\u0259yir. V\u0259t\u0259nda\u015f \u00f6z\u0259l pensiya da almaq ist\u0259yirs\u0259, \u0259lav\u0259 \u00f6d\u0259ni\u015f etm\u0259li olacaq. Bununla bel\u0259, d\u00fcnya t\u0259cr\u00fcb\u0259sind\u0259 \u00f6z\u0259l pensiya \u00fc\u00e7\u00fcn fonda \u00f6d\u0259ni\u015fin i\u015f\u0259g\u00f6t\u00fcr\u0259n t\u0259r\u0259find\u0259n edildiyi hallar da m\u00f6vcuddur.\u00a0<\/p>\n\n\n\n<p>Pensiya ya\u015f\u0131na \u00e7atd\u0131qda, v\u0259t\u0259nda\u015flar d\u00f6vl\u0259t sosial haqq\u0131 hesab\u0131na toplanan pensiya kapital\u0131n\u0131 hiss\u0259l\u0259rl\u0259 almalar\u0131na baxmayaraq, \u00f6z\u0259l fonddak\u0131 v\u0259saiti hiss\u0259l\u0259rl\u0259 yana\u015f\u0131, bird\u0259f\u0259lik d\u0259 ala bil\u0259rl\u0259r. &nbsp;<\/p>\n\n\n\n<p>D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun \u0130dar\u0259 Hey\u0259tinin s\u0259dri Himalay M\u0259mi\u015fov jurnalistl\u0259r\u0259 bildirib ki, m\u0259cburi d\u00f6vl\u0259t sosial haqq\u0131 ad\u0131ndan da g\u00f6r\u00fcnd\u00fcy\u00fc kimi, m\u0259cburidir. \u00d6z\u0259l pensiya fonduna \u00f6d\u0259ni\u015f is\u0259 k\u00f6n\u00fcll\u00fc olacaq. Fondla ba\u011fl\u0131 normativ baza yarad\u0131l\u0131b v\u0259 layih\u0259l\u0259r haz\u0131rlan\u0131b. S\u0259n\u0259d raz\u0131la\u015fma m\u0259rh\u0259l\u0259sind\u0259dir.<\/p>\n\n\n\n<p>\u0130qtisad\u00e7\u0131 R\u0259\u015fad H\u0259s\u0259nov is\u0259 d\u00fc\u015f\u00fcn\u00fcr ki, Az\u0259rbaycanda \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131n\u0131n vaxt\u0131 yeti\u015fm\u0259yib. Ekspert m\u0259s\u0259l\u0259ni \u015f\u0259rh ed\u0259rk\u0259n deyib ki, uzunm\u00fcdd\u0259tli d\u00f6vr \u00fc\u00e7\u00fcn \u0259halid\u0259 y\u0131\u011f\u0131m v\u0259rdi\u015fl\u0259ri g\u00fccl\u00fc deyil. Eyni zamanda, maliyy\u0259 t\u0259sisatlar\u0131na etibar z\u0259ifdir. Bunu banklara qoyulan v\u0259saitl\u0259rin \u0259ks\u0259r hiss\u0259sinin q\u0131sam\u00fcdd\u0259tli olmas\u0131 da s\u00fcbut edir. Bu bax\u0131mdan \u0259halinin 25-30 il \u0259rzind\u0259 \u00f6z\u0259l pensiya fondlar\u0131na n\u0259 d\u0259r\u0259c\u0259d\u0259 etibar ed\u0259c\u0259kl\u0259ri sual alt\u0131ndad\u0131r: \u201cDig\u0259r m\u0259s\u0259l\u0259 insanlar\u0131n imkanlar\u0131 m\u0259s\u0259l\u0259sidir. \u018fhalinin maddi imkanlar\u0131 geni\u015f deyil. Onlar \u00f6zl\u0259rini g\u00fcnd\u0259lik qay\u011f\u0131lar\u0131 il\u0259 m\u0259\u015f\u011ful olma\u011fa h\u0259sr edir. D\u00f6vl\u0259t Statistika Komit\u0259sinin m\u0259lumatlar\u0131na \u0259sas\u0259n, \u0259hali v\u0259saitl\u0259rinin 50-60 faiz\u0259 q\u0259d\u0259rini g\u00fcnd\u0259lik t\u0259l\u0259bat mallar\u0131n\u0131n al\u0131nmas\u0131na x\u0259rcl\u0259yir. Bu g\u00f6st\u0259rici inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 3-4 d\u0259f\u0259 art\u0131qd\u0131r v\u0259 \u0259halinin y\u0131\u011f\u0131m imkanlar\u0131n\u0131 a\u015fa\u011f\u0131 sal\u0131r\u201d.<\/p>\n\n\n\n<p>R. H\u0259s\u0259nov vur\u011fulay\u0131r ki, bu m\u0259nada \u00e7ox az bir qisim sosial qrup \u00f6z\u0259l pensiya fondlar\u0131nda v\u0259sait yerl\u0259\u015fdir\u0259 bil\u0259r. Lakin bir m\u0259s\u0259l\u0259ni qeyd etm\u0259k laz\u0131md\u0131r ki, \u00f6z\u0259l pensiya fondlar\u0131nda olan v\u0259saitl\u0259r m\u00fc\u0259yy\u0259n bir s\u0259viyy\u0259y\u0259 q\u0259d\u0259r artd\u0131qdan sonra bel\u0259 qurumlar m\u0259nf\u0259\u0259tl\u0259 i\u015fl\u0259y\u0259 bil\u0259rl\u0259r. Bu s\u0259viyy\u0259y\u0259 \u00e7atmaq \u00fc\u00e7\u00fcn bel\u0259 fondlara qeyd edil\u0259nl\u0259rin \u0259ksi olaraq b\u00f6y\u00fck v\u0259saitl\u0259r c\u0259lb edilm\u0259lidir. M\u0259s\u0259l\u0259nin ba\u015fqa t\u0259r\u0259fi is\u0259 \u00f6lk\u0259d\u0259 qiym\u0259tli ka\u011f\u0131zlar bazar\u0131n\u0131n inki\u015faf etm\u0259m\u0259sidir. S\u00f6hb\u0259t ondan gedir ki, fondlar\u0131n \u0259halid\u0259n toplad\u0131\u011f\u0131 v\u0259sait qiym\u0259tli ka\u011f\u0131zlara yat\u0131r\u0131lmaqla g\u0259lir \u0259ld\u0259 olunmal\u0131d\u0131r\u201d. &nbsp; &nbsp; &nbsp;<\/p>\n\n\n\n<p>G\u00f6r\u00fcn\u0259n odur ki, bu \u015f\u0259rtl\u0259r daxilind\u0259 \u00f6z\u0259l pensiya fondunun yarad\u0131lmas\u0131 asan deyil. Lakin bu bar\u0259d\u0259 daha \u0259trafl\u0131 fikir y\u00fcr\u00fctm\u0259k qanunun q\u0259bulundan sonra m\u00fcmk\u00fcnd\u00fcr. &nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c7ox vaxt insanlar toplad\u0131qlar\u0131 pensiya kapital\u0131n\u0131 bird\u0259f\u0259y\u0259 \u0259ld\u0259 etm\u0259k arzusunda olurlar. El\u0259 hesab ed\u0259n v\u0259t\u0259nda\u015flar var ki, bu v\u0259sait onlara aid oldu\u011fundan pulu hiss\u0259l\u0259rl\u0259<\/p>\n","protected":false},"author":2,"featured_media":97795,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-97794","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundm"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/fedai.az\/index.php?rest_route=\/wp\/v2\/posts\/97794","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fedai.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fedai.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fedai.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fedai.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=97794"}],"version-history":[{"count":1,"href":"https:\/\/fedai.az\/index.php?rest_route=\/wp\/v2\/posts\/97794\/revisions"}],"predecessor-version":[{"id":97796,"href":"https:\/\/fedai.az\/index.php?rest_route=\/wp\/v2\/posts\/97794\/revisions\/97796"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fedai.az\/index.php?rest_route=\/wp\/v2\/media\/97795"}],"wp:attachment":[{"href":"https:\/\/fedai.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=97794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fedai.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=97794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fedai.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=97794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}