{"id":108787,"date":"2026-10-20T20:28:06","date_gmt":"2026-10-20T16:28:06","guid":{"rendered":"https:\/\/jam-news.net\/az\/?p=108787"},"modified":"2026-10-20T21:54:41","modified_gmt":"2026-10-20T17:54:41","slug":"az%c9%99rbaycanda-%c9%99rzaq-bahalasmasi","status":"publish","type":"post","link":"https:\/\/jam-news.net\/az\/az%c9%99rbaycanda-%c9%99rzaq-bahalasmasi\/","title":{"rendered":"Az\u0259rbaycanda \u0259rzaq bahala\u015fmas\u0131 ail\u0259 b\u00fcdc\u0259sin\u0259 nec\u0259 t\u0259sir edir?"},"content":{"rendered":"\n

Az\u0259rbaycanda \u0259rzaq bahala\u015fmas\u0131<\/em><\/strong><\/p>\n\n\n\n

R\u0259smi inflyasiya g\u00f6st\u0259ricisi \u00f6lk\u0259 \u00fczr\u0259 qiym\u0259t d\u0259yi\u015fm\u0259sini \u00fcmumil\u0259\u015fdirir. Ail\u0259nin \u00fczl\u0259\u015fdiyi \u0259lav\u0259 x\u0259rc is\u0259 n\u0259 ald\u0131\u011f\u0131na, z\u0259ruri ehtiyaclara n\u0259 q\u0259d\u0259r pul ay\u0131rd\u0131\u011f\u0131na v\u0259 g\u0259lirinin d\u0259yi\u015fib-d\u0259yi\u015fm\u0259diyin\u0259 ba\u011fl\u0131d\u0131r.<\/em><\/p>\n\n\n\n

Az\u0259rbaycanda<\/a> \u0259rzaq al\u0131\u015f\u0131na daha b\u00f6y\u00fck pay ay\u0131ran ail\u0259l\u0259rin b\u00fcdc\u0259si bahala\u015fmaya daha h\u0259ssasd\u0131r. G\u0259lirin b\u00f6y\u00fck hiss\u0259si g\u00fcnd\u0259lik ehtiyaclara gedirs\u0259, artan qiym\u0259tl\u0259ri qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn ba\u015fqa x\u0259rcl\u0259ri azaltmaq laz\u0131m g\u0259lir. Daha geni\u015f maliyy\u0259 imkan\u0131 olan ail\u0259 is\u0259 eyni t\u0259zyiqi y\u0131\u011f\u0131m\u0131n\u0131 azaltmaqla qar\u015f\u0131laya bil\u0259r.<\/p>\n\n\n\n

D\u00f6vl\u0259t Statistika Komit\u0259sinin 12 oktyabrdak\u0131 a\u00e7\u0131qlamas\u0131na g\u00f6r\u0259<\/a>, 2026-c\u0131 ilin sentyabr\u0131nda istehlak qiym\u0259tl\u0259ri \u00f6t\u0259n ilin eyni ay\u0131ndan 5,5 faiz y\u00fcks\u0259k olub. Qida m\u0259hsullar\u0131, alkoqollu i\u00e7kil\u0259r v\u0259 t\u00fct\u00fcn m\u0259mulatlar\u0131 \u00fczr\u0259 illik art\u0131m is\u0259 6,9 faiz t\u0259\u015fkil edib.<\/p>\n\n\n\n

Bu r\u0259q\u0259ml\u0259rin ail\u0259 b\u00fcdc\u0259sin\u0259 t\u0259sirini anlamaq \u00fc\u00e7\u00fcn qiym\u0259t art\u0131m\u0131 il\u0259 x\u0259rcl\u0259rin t\u0259rkibin\u0259 birlikd\u0259 baxmaq laz\u0131md\u0131r.<\/p>\n\n\n

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\n\tValyuta ehtiyat\u0131 kimi 90 milyard\u0131 saxlamaq, yoxsa rifaha x\u0259rcl\u0259m\u0259k? – az\u0259rbaycanl\u0131 ke\u00e7mi\u015f m\u00fcxalif\u0259t lideri n\u0259 t\u0259klif edir?\n<\/h2>\n\n

\n Siyas\u0259t\u00e7i \u0130lqar M\u0259mm\u0259dov Az\u0259rbaycan\u0131n 90 milyard dollarl\u0131q valyuta ehtiyat\u0131 saxlamas\u0131n\u0131 t\u0259nqid edib.\n<\/p>\n <\/a>\n <\/div>\n

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\n \n \"Az\u0259rbaycan\u0131n\n <\/a>\n<\/figure>\n <\/div>\n <\/div>\n<\/article>\n\n\n\n

Eyni qiym\u0259t art\u0131m\u0131, f\u0259rqli \u0259lav\u0259 x\u0259rc<\/h2>\n\n\n\n

\u0130stehlak qiym\u0259tl\u0259ri indeksind\u0259 m\u0259hsul v\u0259 xidm\u0259tl\u0259rin \u00fcmumi istehlak x\u0259rcl\u0259rind\u0259ki pay\u0131 n\u0259z\u0259r\u0259 al\u0131n\u0131r. Ail\u0259l\u0259r is\u0259 g\u0259lirl\u0259rini eyni qaydada b\u00f6l\u00fc\u015fd\u00fcrm\u00fcr. Kiray\u0259d\u0259 ya\u015fayan ail\u0259nin b\u00fcdc\u0259sind\u0259 m\u0259nzil x\u0259rci var; \u00f6z evind\u0259 ya\u015fayan ail\u0259nin ba\u015fqa ehtiyaclara ay\u0131ra bil\u0259c\u0259yi v\u0259sait f\u0259rqli ola bil\u0259r. M\u00fcnt\u0259z\u0259m d\u0259rman alan \u015f\u0259xsl\u0259 bel\u0259 x\u0259rci olmayan \u015f\u0259xsin al\u0131\u015flar\u0131 da \u00fcst-\u00fcst\u0259 d\u00fc\u015fm\u00fcr.<\/p>\n\n\n\n

Avropa M\u0259rk\u0259zi Bank\u0131n\u0131n Fransa v\u0259 Almaniya ev t\u0259s\u0259rr\u00fcfatlar\u0131 \u00fczr\u0259 ara\u015fd\u0131rmas\u0131n\u0131<\/a> t\u0259qdim ed\u0259n 2024-c\u00fc il m\u0259qal\u0259si d\u0259 f\u0259rqli inflyasiya t\u0259cr\u00fcb\u0259sinin iki m\u00fch\u00fcm s\u0259b\u0259bini g\u00f6st\u0259rir: ail\u0259l\u0259r m\u00fcxt\u0259lif m\u0259hsullar al\u0131r v\u0259 qiym\u0259tl\u0259r \u0259razil\u0259r \u00fczr\u0259 d\u0259yi\u015fir.<\/p>\n\n\n\n

F\u0259rqi \u00fc\u00e7 \u015f\u0259rti ail\u0259nin b\u00fcdc\u0259si il\u0259 g\u00f6st\u0259rm\u0259k olar. Hesablamada h\u0259r birinin 2025-ci ilin sentyabr\u0131nda ayl\u0131q 1000 manat x\u0259rcl\u0259diyi, lakin bu m\u0259bl\u0259\u011fi f\u0259rqli b\u00f6l\u00fc\u015fd\u00fcrd\u00fcy\u00fc q\u0259bul edilir.<\/p>\n\n\n\n

\u015e\u0259rti ail\u0259<\/th>Qida, i\u00e7ki v\u0259 t\u00fct\u00fcn qrupu<\/th>Qeyri-qida m\u0259hsullar\u0131<\/th>\u00d6d\u0259ni\u015fli xidm\u0259tl\u0259r<\/th>C\u0259mi<\/th><\/tr><\/thead>
A ail\u0259si<\/td>600<\/td>150<\/td>250<\/td>1000<\/td><\/tr>
B ail\u0259si<\/td>400<\/td>200<\/td>400<\/td>1000<\/td><\/tr>
C ail\u0259si<\/td>250<\/td>350<\/td>400<\/td>1000<\/td><\/tr><\/tbody><\/table>
Qeyd: B\u00fct\u00fcn m\u0259bl\u0259\u011fl\u0259r manatlad\u0131r.<\/figcaption><\/figure>\n\n\n\n

\u0130kinci add\u0131m h\u0259min al\u0131\u015flar\u0131n bir il sonra n\u0259 q\u0259d\u0259r v\u0259sait t\u0259l\u0259b ed\u0259c\u0259yini hesablamaqd\u0131r. Bunun \u00fc\u00e7\u00fcn qida, alkoqollu i\u00e7kil\u0259r v\u0259 t\u00fct\u00fcn qrupuna 6,9 faiz, qeyri-qida m\u0259hsullar\u0131na 3,6 faiz, \u00f6d\u0259ni\u015fli xidm\u0259tl\u0259r\u0259 is\u0259 5,1 faiz qiym\u0259t art\u0131m\u0131 t\u0259tbiq olunur. Bunlar DSK-n\u0131n 2026-c\u0131 ilin sentyabr\u0131 \u00fc\u00e7\u00fcn a\u00e7\u0131qlad\u0131\u011f\u0131 illik g\u00f6st\u0259ricil\u0259rdir.<\/p>\n\n\n\n

\u015e\u0259rti ail\u0259<\/th>2025-ci ilin sentyabr\u0131ndak\u0131 x\u0259rc<\/th>2026-c\u0131 ilin sentyabr\u0131 \u00fc\u00e7\u00fcn hesablanan x\u0259rc<\/th>Ayl\u0131q \u0259lav\u0259 v\u0259sait ehtiyac\u0131<\/th><\/tr><\/thead>
A ail\u0259si<\/td>1000<\/td>1059,55<\/td>59,55<\/td><\/tr>
B ail\u0259si<\/td>1000<\/td>1055,20<\/td>55,20<\/td><\/tr>
C ail\u0259si<\/td>1000<\/td>1050,25<\/td>50,25<\/td><\/tr><\/tbody><\/table>
Qeyd: B\u00fct\u00fcn m\u0259bl\u0259\u011fl\u0259r manatlad\u0131r.<\/figcaption><\/figure>\n\n\n\n

M\u0259s\u0259l\u0259n, A ail\u0259sinin ilk qrup \u00fczr\u0259 x\u0259rci 41,40 manat, qeyri-qida m\u0259hsullar\u0131 \u00fczr\u0259 5,40 manat, xidm\u0259tl\u0259r \u00fczr\u0259 is\u0259 12,75 manat art\u0131r. Bu m\u0259bl\u0259\u011fl\u0259rin c\u0259mi 59,55 manatd\u0131r. Ail\u0259 eyni miqdarda v\u0259 keyfiyy\u0259td\u0259 al\u0131\u015flar\u0131n\u0131 davam etdirm\u0259k \u00fc\u00e7\u00fcn ayda 1000 manat \u0259v\u0259zin\u0259 1059,55 manat x\u0259rcl\u0259m\u0259li olacaq. Real ail\u0259nin al\u0131\u015flar\u0131 v\u0259 \u00fczl\u0259\u015fdiyi qiym\u0259tl\u0259r f\u0259rqli ola bil\u0259r.<\/p>\n\n\n\n

Bu n\u00fcmun\u0259d\u0259 qida, i\u00e7ki v\u0259 t\u00fct\u00fcn qrupuna daha \u00e7ox v\u0259sait ay\u0131ran ail\u0259nin \u0259lav\u0259 x\u0259rc ehtiyac\u0131 daha b\u00f6y\u00fckd\u00fcr, \u00e7\u00fcnki h\u0259min qrup dig\u0259rl\u0259rind\u0259n daha s\u00fcr\u0259tl\u0259 bahala\u015f\u0131r.<\/p>\n\n\n

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\n\tKorrupsiyan\u0131 x\u0259b\u0259rl\u0259y\u0259n\u0259 m\u00fcdafi\u0259 v\u0259di: Az\u0259rbaycanda qanunla t\u0259cr\u00fcb\u0259 aras\u0131ndak\u0131 u\u00e7urum\n<\/h2>\n\n

\n Az\u0259rbaycanda korrupsiya bar\u0259d\u0259 m\u0259lumat ver\u0259nl\u0259rin h\u0259v\u0259sl\u0259ndirilm\u0259si v\u0259 m\u00fcdafi\u0259si haqq\u0131nda ayr\u0131ca qanun haz\u0131rlan\u0131b.\n<\/p>\n <\/a>\n <\/div>\n

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\n \n \"Korrupsiyan\u0131\n <\/a>\n<\/figure>\n <\/div>\n <\/div>\n<\/article>\n\n\n\n

A\u015fa\u011f\u0131 g\u0259lirli ail\u0259nin q\u0259na\u0259t imkan\u0131 niy\u0259 m\u0259hduddur?<\/h2>\n\n\n\n

Bahala\u015fman\u0131n yaratd\u0131\u011f\u0131 \u00e7\u0259tinlik \u0259lav\u0259 x\u0259rcin m\u0259bl\u0259\u011fi il\u0259 bitmir. Ail\u0259 h\u0259min m\u0259bl\u0259\u011fi haradan tapaca\u011f\u0131n\u0131 da m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259lidir. G\u0259lirinin ham\u0131s\u0131n\u0131 z\u0259ruri ehtiyaclara s\u0259rf ed\u0259n ail\u0259nin se\u00e7imi daha m\u0259hduddur: al\u0131\u015f\u0131n miqdar\u0131n\u0131 azaltmaq, daha ucuz m\u0259hsula ke\u00e7m\u0259k, ba\u015fqa ehtiyac\u0131 t\u0259xir\u0259 salmaq v\u0259 ya borclanmaq.<\/p>\n\n\n\n

Avropa M\u0259rk\u0259zi Bank\u0131n\u0131n 2023-c\u00fc ild\u0259 yay\u0131mlanan t\u0259hlili<\/a> \u0259rzaq v\u0259 enerjinin \u00fcmumi qiym\u0259tl\u0259rd\u0259n daha s\u00fcr\u0259tl\u0259 bahala\u015fd\u0131\u011f\u0131 d\u00f6vrl\u0259rd\u0259 a\u015fa\u011f\u0131 g\u0259lirli ail\u0259l\u0259rin rifah\u0131na t\u0259sirin g\u00fccl\u0259ndiyini g\u00f6st\u0259rir. S\u0259b\u0259bl\u0259rd\u0259n biri z\u0259ruri ehtiyaclar\u0131n x\u0259rcl\u0259rd\u0259 b\u00f6y\u00fck yer tutmas\u0131, dig\u0259ri is\u0259 y\u0131\u011f\u0131mdan istifad\u0259 v\u0259 x\u0259rcl\u0259ri \u0259v\u0259zl\u0259m\u0259 imkanlar\u0131n\u0131n m\u0259hdudlu\u011fudur.<\/p>\n\n\n\n

Ail\u0259nin \u0259vv\u0259lki q\u0259d\u0259r pul x\u0259rcl\u0259m\u0259si d\u0259 onun \u0259vv\u0259lki ya\u015fay\u0131\u015f s\u0259viyy\u0259sini saxlad\u0131\u011f\u0131n\u0131 g\u00f6st\u0259rmir. M\u0259s\u0259l\u0259n, al\u0131\u015f miqdar\u0131 azal\u0131bsa, eyni m\u0259bl\u0259\u011f art\u0131q daha az ehtiyac\u0131 \u00f6d\u0259yir. Bel\u0259 v\u0259ziyy\u0259td\u0259 yaln\u0131z \u00e7ekin yekununa baxmaq rifahdak\u0131 d\u0259yi\u015fikliyi gizl\u0259d\u0259 bil\u0259r. M\u00fcqayis\u0259d\u0259 al\u0131nan m\u0259hsulun miqdar\u0131 v\u0259 keyfiyy\u0259ti d\u0259 n\u0259z\u0259r\u0259 al\u0131nmal\u0131d\u0131r.<\/p>\n\n\n

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\n\tYAP-da m\u00fcdd\u0259tsiz s\u0259drlik, xarici siyas\u0259td\u0259 s\u0259rt mesajlar – \u018fliyevin YAP-\u0131n Qurultay\u0131nda dedikl\u0259ri\n<\/h2>\n\n

\n \u0130lham \u018fliyev \u00e7\u0131x\u0131\u015f\u0131nda Az\u0259rbaycan\u0131n h\u0259rbi q\u0259l\u0259b\u0259l\u0259rind\u0259 xarici himay\u0259darl\u0131\u011f\u0131 r\u0259dd etdi.\n<\/p>\n <\/a>\n <\/div>\n

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\n \n \"\u018fliyevin\n <\/a>\n<\/figure>\n <\/div>\n <\/div>\n<\/article>\n\n\n\n

Maa\u015f\u0131n artmas\u0131 n\u0259 vaxt itkinin yerini doldurur?<\/h2>\n\n\n\n

Al\u0131c\u0131l\u0131q qabiliyy\u0259tini qiym\u0259tl\u0259ndirm\u0259k \u00fc\u00e7\u00fcn ail\u0259nin g\u0259liri il\u0259 onun \u00f6z x\u0259rcl\u0259rind\u0259ki art\u0131m\u0131 m\u00fcqayis\u0259 etm\u0259k laz\u0131md\u0131r. \u00d6lk\u0259 \u00fczr\u0259 orta maa\u015f\u0131n d\u0259yi\u015fm\u0259si konkret i\u015f\u00e7inin qazanc\u0131n\u0131n da eyni q\u0259d\u0259r artmas\u0131 dem\u0259k deyil. Ail\u0259 b\u00fcdc\u0259sin\u0259 maa\u015fla yana\u015f\u0131 pensiya, m\u00fcavin\u0259t v\u0259 dig\u0259r g\u0259lirl\u0259r d\u0259 daxil ola bil\u0259r.<\/p>\n\n\n\n

\u015e\u0259rti c\u0259dv\u0259ld\u0259ki A ail\u0259sinin g\u0259liri 1000 manatdan 1050 manata y\u00fcks\u0259ls\u0259ydi, \u0259vv\u0259lki al\u0131\u015flar\u0131 saxlamaq \u00fc\u00e7\u00fcn yen\u0259 9,55 manat \u00e7atmayacaqd\u0131. G\u0259lir artm\u0131\u015f olard\u0131, lakin bu modeld\u0259 al\u0131\u015flar\u0131n bahala\u015fmas\u0131n\u0131 tam qar\u015f\u0131lamazd\u0131. Eyni g\u0259lir art\u0131m\u0131 C ail\u0259sinin hesablanan \u0259lav\u0259 x\u0259rcini is\u0259 dem\u0259k olar ki, b\u00fct\u00f6vl\u00fckl\u0259 \u00f6d\u0259y\u0259rdi.<\/p>\n\n\n\n

Bu hesab nominal g\u0259lir art\u0131m\u0131 il\u0259 ya\u015fay\u0131\u015f s\u0259viyy\u0259sinin yax\u015f\u0131la\u015fmas\u0131 aras\u0131ndak\u0131 \u0259laq\u0259ni g\u00f6st\u0259rir. N\u0259tic\u0259 is\u0259 ail\u0259nin hans\u0131 qiym\u0259tl\u0259rl\u0259 \u00fczl\u0259\u015fdiyind\u0259n v\u0259 g\u0259lir art\u0131m\u0131n\u0131n h\u0259min x\u0259rcl\u0259ri n\u0259 q\u0259d\u0259r qar\u015f\u0131lad\u0131\u011f\u0131ndan as\u0131l\u0131d\u0131r.<\/p>\n\n\n

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\n\tOrta D\u0259hlizd\u0259n qazanc\u0131n \u015f\u0259rtl\u0259ri: D\u00fcnya Bank\u0131 Az\u0259rbaycana n\u0259 t\u00f6vsiy\u0259 edir?\n<\/h2>\n\n

\n Hesabat s\u0259rh\u0259d prosedurlar\u0131n\u0131n sad\u0259l\u0259\u015fdirilm\u0259sini, m\u00fcvafiq uzla\u015fd\u0131r\u0131lma v\u0259 islahatlar\u0131 da z\u0259ruri say\u0131r.\n<\/p>\n <\/a>\n <\/div>\n

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\n \n \"D\u00fcnya\n <\/a>\n<\/figure>\n <\/div>\n <\/div>\n<\/article>\n\n\n\n

\u0130nflyasiyan\u0131n z\u0259ifl\u0259m\u0259si \u0259vv\u0259lki qiym\u0259tl\u0259r\u0259 qay\u0131d\u0131\u015f dem\u0259k deyil<\/h2>\n\n\n\n

\u0130llik bahala\u015fma yava\u015flasa da, \u0259vv\u0259lki ill\u0259rd\u0259ki qiym\u0259t art\u0131m\u0131 qalma\u011fa davam edir. DSK 2025-ci ilin sentyabr\u0131nda<\/a> illik qiym\u0259t art\u0131m\u0131n\u0131 5,7 faiz g\u00f6st\u0259rmi\u015fdi. H\u0259min g\u00f6st\u0259rici il\u0259 2026-c\u0131 ilin sentyabr\u0131ndak\u0131<\/a> art\u0131m ard\u0131c\u0131l hesabland\u0131qda, \u00fcmumi qiym\u0259t s\u0259viyy\u0259sinin iki il \u0259rzind\u0259 t\u0259xmin\u0259n 11,5 faiz y\u00fcks\u0259ldiyi g\u00f6r\u00fcn\u00fcr.<\/p>\n\n\n\n

Dem\u0259li, yeni inflyasiya r\u0259q\u0259mi \u0259vv\u0259lki art\u0131mlar\u0131n \u00fcz\u0259rin\u0259 g\u0259l\u0259n d\u0259yi\u015fikliyi \u00f6l\u00e7\u00fcr. Qiym\u0259tl\u0259rin daha yava\u015f y\u00fcks\u0259lm\u0259si b\u00fcdc\u0259d\u0259ki t\u0259zyiqin azalmas\u0131na k\u00f6m\u0259k ed\u0259 bil\u0259r. \u018fvv\u0259lki al\u0131c\u0131l\u0131q qabiliyy\u0259tinin b\u0259rpas\u0131 \u00fc\u00e7\u00fcn is\u0259 g\u0259lirin y\u0131\u011f\u0131lan bahala\u015fman\u0131 n\u0259 q\u0259d\u0259r qar\u015f\u0131lad\u0131\u011f\u0131na bax\u0131lmal\u0131d\u0131r.<\/p>\n\n\n\n

Ail\u0259nin v\u0259ziyy\u0259tinin yax\u015f\u0131la\u015fmas\u0131n\u0131 g\u00f6st\u0259r\u0259n \u0259sas n\u0259tic\u0259 onun \u0259rzaq, m\u0259nzil v\u0259 dig\u0259r z\u0259ruri ehtiyaclar\u0131n\u0131 \u0259vv\u0259lki s\u0259viyy\u0259d\u0259 \u00f6d\u0259y\u0259 bilm\u0259sidir. Bu ehtiyaclar\u0131 qar\u015f\u0131lad\u0131qdan sonra s\u0259r\u0259ncam\u0131nda qalan v\u0259sait is\u0259 ail\u0259nin g\u00f6zl\u0259nilm\u0259z x\u0259rcl\u0259r\u0259 n\u0259 q\u0259d\u0259r haz\u0131r oldu\u011funu g\u00f6st\u0259rir.<\/p>\n\n\n

\n\n
\n\n
\n \n\n\n\n\n\n

\n\tSOCAR-ExxonMobil sazi\u015fi: Orta K\u00fcrd\u0259 yeni neft-qaz ehtiyatlar\u0131 axtar\u0131lacaq\n<\/h2>\n\n

\n \u0130lham \u018fliyev n\u00f6vb\u0259ti onillik \u00fc\u00e7\u00fcn neft-qaz sektorunun apar\u0131c\u0131 m\u00f6vqeyini saxlayaca\u011f\u0131n\u0131 bildirib.\n<\/p>\n <\/a>\n <\/div>\n

\n
\n \n \"Az\u0259rbaycan\n <\/a>\n<\/figure>\n <\/div>\n <\/div>\n<\/article>\n\n\n\n

Az\u0259rbaycanda \u0259rzaq bahala\u015fmas\u0131<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

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