{"id":1599,"date":"2025-04-23T17:39:53","date_gmt":"2025-04-23T13:39:53","guid":{"rendered":"https:\/\/pedaqoq.az\/?p=1599"},"modified":"2025-04-23T21:22:16","modified_gmt":"2025-04-23T17:22:16","slug":"t%c9%99krar-ali-t%c9%99hsil-alanlar-t%c9%99l%c9%99b%c9%99-kreditind%c9%99n-yararlana-bil%c9%99c%c9%99k","status":"publish","type":"post","link":"https:\/\/pedaqoq.az\/?p=1599","title":{"rendered":"T\u018fKRAR AL\u0130 T\u018fHS\u0130L ALANLAR T\u018fL\u018fB\u018f KRED\u0130T\u0130ND\u018fN YARARLANA B\u0130L\u018fC\u018fK?"},"content":{"rendered":"\n<p>Pedaqoq.az x\u0259b\u0259r verir ki, fasil\u0259siz t\u0259hsilin d\u0259st\u0259kl\u0259nm\u0259si m\u0259qs\u0259dil\u0259 T\u0259hsil T\u0259l\u0259b\u0259 Krediti Fondu (TTKF) t\u0259hsil almaq ist\u0259y\u0259n \u015f\u0259xsl\u0259r\u0259 kredit imkanlar\u0131 t\u0259qdim edir. B\u0259s \u0259lav\u0259 t\u0259hsil alan \u015f\u0259xsl\u0259r bu imkandan yararlana bil\u0259rl\u0259rmi?<\/p>\n\n\n\n<p><strong>\u018flav\u0259 t\u0259hsil\u0259 g\u00f6r\u0259 kredit kiml\u0259r\u0259 verilir?<\/strong><\/p>\n\n\n\n<p>TTKF-d\u0259n &#171;Az\u0259rbaycan m\u00fc\u0259llimi&#187;nin sor\u011fusuna cavab olaraq bildirilib ki, t\u0259hsil krediti yaln\u0131z \u201ct\u0259krar ali, orta ixtisas v\u0259 y\u00fcks\u0259k texniki pe\u015f\u0259 t\u0259hsili\u201d istiqam\u0259ti \u00fczr\u0259 \u0259lav\u0259 t\u0259hsil alanlara verilir. Bu t\u0259hsil n\u00f6v\u00fcn\u0259 q\u0259bul iki \u015f\u0259kild\u0259 m\u00fcmk\u00fcnd\u00fcr:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u00f6vl\u0259t \u0130mtahan M\u0259rk\u0259zi (D\u0130M) t\u0259r\u0259find\u0259n t\u0259\u015fkil olunan q\u0259bul imtahan\u0131 vasit\u0259sil\u0259;<\/li>\n\n\n\n<li>M\u00fcsabiq\u0259d\u0259nk\u0259nar q\u0259bul yolu il\u0259.<\/li>\n<\/ul>\n\n\n\n<p><strong>D\u0130M imtahan\u0131 il\u0259 q\u0259bul olunanlar \u00fc\u00e7\u00fcn \u015f\u0259rtl\u0259r<\/strong><\/p>\n\n\n\n<p>\u018fg\u0259r t\u0259l\u0259b\u0259 D\u0130M-in imtahan\u0131 vasit\u0259sil\u0259 q\u0259bul olunub v\u0259 birinci t\u0259hsil d\u00f6vr\u00fcnd\u0259 TTK-dan istifad\u0259 etm\u0259yibs\u0259, t\u0259krar t\u0259hsil d\u00f6vr\u00fcnd\u0259 bu imkandan yararlana bil\u0259r. Kredit \u015f\u0259rtl\u0259ri \u0259vv\u0259lki qaydalarla eynidir. Bel\u0259 ki:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>I kursun I semestrind\u0259 t\u0259l\u0259b\u0259nin q\u0259bul bal\u0131,<\/li>\n\n\n\n<li>Sonrak\u0131 semestrl\u0259rd\u0259 is\u0259 akademik g\u00f6st\u0259ricil\u0259ri n\u0259z\u0259r\u0259 al\u0131n\u0131r.<\/li>\n<\/ul>\n\n\n\n<p>Ali v\u0259 orta ixtisas t\u0259hsili alanlar \u00fc\u00e7\u00fcn \u00dcOMG (\u00fcmumi orta m\u00fcv\u0259ff\u0259qiyy\u0259t g\u00f6st\u0259ricisi) minimum 71, pe\u015f\u0259 t\u0259hsili alanlar \u00fc\u00e7\u00fcn is\u0259 aral\u0131q qiym\u0259tl\u0259ndirm\u0259 g\u00f6st\u0259ricisi 71-d\u0259n a\u015fa\u011f\u0131 olmamal\u0131d\u0131r. Eyni zamanda, t\u0259l\u0259b\u0259nin akademik borcu olmamal\u0131d\u0131r.<\/p>\n\n\n\n<p><strong>M\u00fcsabiq\u0259d\u0259nk\u0259nar q\u0259bul olunanlar \u00fc\u00e7\u00fcn f\u0259rqlilikl\u0259r<\/strong><\/p>\n\n\n\n<p>M\u00fcsabiq\u0259d\u0259nk\u0259nar q\u0259bul olunmu\u015f t\u0259l\u0259b\u0259l\u0259r birinci semestrd\u0259 TTK-dan yararlana bilm\u0259zl\u0259r. Lakin birinci semestrin sonunda \u00dcOMG 71 v\u0259 yuxar\u0131 olarsa, ikinci semestrd\u0259n etibar\u0259n TTK-dan istifad\u0259 h\u00fcququ \u0259ld\u0259 edirl\u0259r.<\/p>\n\n\n\n<p><strong>Geri \u00f6d\u0259ni\u015f qaydalar\u0131<\/strong><\/p>\n\n\n\n<p>\u018flav\u0259 t\u0259hsil \u00fc\u00e7\u00fcn ayr\u0131lan t\u0259hsil krediti, t\u0259hsil m\u00fcdd\u0259ti bitdikd\u0259n sonra geri qaytar\u0131l\u0131r. M\u0259zun olduqdan sonra t\u0259l\u0259b\u0259y\u0259 2 illik g\u00fcz\u0259\u015ft d\u00f6vr\u00fc verilir. Bu m\u00fcdd\u0259td\u0259 m\u0259zun m\u0259\u015f\u011fullu\u011fa c\u0259lb olunmazsa, kreditin qaytar\u0131lmas\u0131 t\u0259l\u0259b edilmir v\u0259 faiz hesablanm\u0131r. \u018fm\u0259k f\u0259aliyy\u0259tin\u0259 ba\u015flad\u0131qdan sonra is\u0259 kredit 10 il \u0259rzind\u0259 b\u0259rab\u0259r hiss\u0259l\u0259rl\u0259 \u00f6d\u0259nilir.<\/p>\n\n\n\n<p><strong>Faizsiz v\u0259 g\u00fcz\u0259\u015ftli kredit imkanlar\u0131<\/strong><\/p>\n\n\n\n<p>T\u0259hsil m\u00fcdd\u0259tind\u0259 akademik g\u00f6st\u0259ricil\u0259ri y\u00fcks\u0259k olan t\u0259l\u0259b\u0259l\u0259r\u0259 faizsiz v\u0259 ya g\u00fcz\u0259\u015ftli qaydada kreditin qaytar\u0131lmas\u0131 imkan\u0131 da var. Bel\u0259 ki:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sosial TTK \u00fczr\u0259 \u00dcOMG 91 v\u0259 yuxar\u0131 olan t\u0259l\u0259b\u0259l\u0259r kreditin 50%-d\u0259n,<\/li>\n\n\n\n<li>Standart TTK \u00fczr\u0259 is\u0259 25%-d\u0259n azad olunur.<\/li>\n<\/ul>\n\n\n\n<p>Bu mexanizm t\u0259l\u0259b\u0259l\u0259rin maliyy\u0259 y\u00fck\u00fcn\u00fc azaldaraq onlar\u0131n \u0259m\u0259k bazar\u0131na daha asan inteqrasiya olunmas\u0131na \u015f\u0259rait yarad\u0131r.<\/p>\n\n\n\n<p><strong>H\u00fcquqi baza<\/strong><\/p>\n\n\n\n<p>Qeyd ed\u0259k ki, Nazirl\u0259r Kabinetinin 2010-cu il 6 sentyabr tarixli 163 n\u00f6mr\u0259li q\u0259rar\u0131 il\u0259 t\u0259sdiql\u0259nmi\u015f \u201c\u018flav\u0259 t\u0259hsilin m\u0259zmunu, t\u0259\u015fkili v\u0259 \u0259lav\u0259 t\u0259hsilin h\u0259r hans\u0131 istiqam\u0259ti \u00fczr\u0259 t\u0259hsil alm\u0131\u015f \u015f\u0259xsl\u0259r\u0259 m\u00fcvafiq s\u0259n\u0259din verilm\u0259si\u201d Qaydalar\u0131na \u0259sas\u0259n, \u0259lav\u0259 t\u0259hsil ixtisasart\u0131rma, kadrlar\u0131n yenid\u0259n haz\u0131rlanmas\u0131, stajke\u00e7m\u0259, t\u0259kmill\u0259\u015fdirm\u0259, t\u0259krar t\u0259hsil v\u0259 dig\u0259r istiqam\u0259tl\u0259ri \u0259hat\u0259 edir.<\/p>\n\n\n\n<p><\/p>\n<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-bottom-right\"><a href=\"https:\/\/pedaqoq.az\/index.php?rest_route=%2Fwp%2Fv2%2Fposts%2F1599&print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\" ><\/a><a href=\"https:\/\/pedaqoq.az\/index.php?rest_route=%2Fwp%2Fv2%2Fposts%2F1599&print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\" ><img decoding=\"async\" src=\"https:\/\/pedaqoq.az\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"\u041f\u0435\u0447\u0430\u0442\u044c \u043a\u043e\u043d\u0442\u0435\u043d\u0442\u0430\" \/><\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Pedaqoq.az x\u0259b\u0259r verir ki, fasil\u0259siz t\u0259hsilin d\u0259st\u0259kl\u0259nm\u0259si m\u0259qs\u0259dil\u0259 T\u0259hsil T\u0259l\u0259b\u0259 Krediti Fondu (TTKF) t\u0259hsil almaq<\/p>\n","protected":false},"author":2,"featured_media":1600,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-1599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-in"],"_links":{"self":[{"href":"https:\/\/pedaqoq.az\/index.php?rest_route=\/wp\/v2\/posts\/1599","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pedaqoq.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pedaqoq.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pedaqoq.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pedaqoq.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1599"}],"version-history":[{"count":2,"href":"https:\/\/pedaqoq.az\/index.php?rest_route=\/wp\/v2\/posts\/1599\/revisions"}],"predecessor-version":[{"id":1602,"href":"https:\/\/pedaqoq.az\/index.php?rest_route=\/wp\/v2\/posts\/1599\/revisions\/1602"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pedaqoq.az\/index.php?rest_route=\/wp\/v2\/media\/1600"}],"wp:attachment":[{"href":"https:\/\/pedaqoq.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1599"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pedaqoq.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1599"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pedaqoq.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1599"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}