{"id":503635,"date":"2022-08-08T19:42:54","date_gmt":"2022-08-08T16:42:54","guid":{"rendered":"https:\/\/arantv.az\/?p=503635"},"modified":"2022-08-08T19:42:54","modified_gmt":"2022-08-08T16:42:54","slug":"az%c9%99rbaycanda-dasinmaz-%c9%99mlakin-icbari-sigortasi-niy%c9%99-kutl%c9%99vi-hal-almir","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=503635","title":{"rendered":"Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 niy\u0259 k\u00fctl\u0259vi hal alm\u0131r?"},"content":{"rendered":"

Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 potensial\u0131n t\u0259xmin\u0259n 90%-d\u0259n istifad\u0259 olunmur.<\/p>\n

ARANTV.AZ\u00a0<\/strong> x\u0259b\u0259r verir ki, haz\u0131rda \u00f6lk\u0259d\u0259 icbari qaydada s\u0131\u011fortalama\u011f\u0131n m\u00fcmk\u00fcn oldu\u011fu t\u0259xmin\u0259n 1 milyon m\u0259nzil v\u0259 f\u0259rdi ev olsa da, bunun c\u0259mi 100 mini s\u0131\u011fortal\u0131d\u0131r.<\/p>\n

<\/div>\n

Halbuki, M\u00fclki M\u0259c\u0259ll\u0259nin 180-ci madd\u0259sin\u0259 g\u00f6r\u0259, m\u00fclkiyy\u0259t h\u00fcququ olan, y\u0259ni \u00f6zba\u015f\u0131na tikilm\u0259y\u0259n v\u0259 haqq\u0131nda s\u00f6k\u00fclm\u0259k bar\u0259d\u0259 q\u0259rar olmayan b\u00fct\u00fcn \u0259mlaklar\u0131 s\u0131\u011fortalamaq m\u00fcmk\u00fcnd\u00fcr.<\/p>\n

S\u0131\u011forta il\u0259 \u0259hat\u0259 olunmu\u015f 100 min \u0259mlaka g\u0259linc\u0259 is\u0259, onlar\u0131n dem\u0259k olar ki, ham\u0131s\u0131n\u0131n sahibi m\u00fcxt\u0259lif t\u0259sir mexanizml\u0259rinin hesab\u0131na s\u0131\u011forta \u015firk\u0259tl\u0259rin\u0259 \u00fcz tutub. Y\u0259ni, kims\u0259 evini ipoteka il\u0259 satd\u0131\u011f\u0131 v\u0259 yaxud evini girov qoyaraq bankdan kredit g\u00f6t\u00fcrd\u00fcy\u00fc \u00fc\u00e7\u00fcn m\u0259cbur olub, \u0259mlak\u0131n\u0131 s\u0131\u011fortalay\u0131b. Baxmayaraq ki, bu, el\u0259 d\u0259 bahal\u0131 s\u0131\u011forta m\u0259hsulu deyil v\u0259 \u0259mlak\u0131n yerl\u0259\u015fdiyi ya\u015fay\u0131\u015f m\u0259nt\u0259q\u0259sind\u0259n as\u0131l\u0131 olaraq onun qiym\u0259ti 30-50 manat aras\u0131nda d\u0259yi\u015fir.<\/p>\n

\u201cK\u00fctl\u0259vi sat\u0131\u015f \u00fc\u00e7\u00fcn mexanizm yoxdur\u201d<\/strong><\/p>\n

S\u0131\u011forta bazar\u0131 \u00fczr\u0259 ekspert P\u0259rviz Quliyev deyir ki, \u00f6lk\u0259 v\u0259t\u0259nda\u015flar\u0131n\u0131n \u0259ks\u0259riyy\u0259ti \u0259mlak s\u0131\u011fortas\u0131n\u0131n faydas\u0131 bar\u0259d\u0259 h\u0259m az m\u0259lumatl\u0131d\u0131r, h\u0259m d\u0259 s\u0131\u011fortan\u0131n k\u00fctl\u0259vi sat\u0131\u015f\u0131 \u00fc\u00e7\u00fcn mexanizm yoxdur: \u201cAz\u0259rbaycanda da dig\u0259r \u00f6lk\u0259l\u0259rd\u0259 oldu\u011fu kimi s\u0131\u011forta xidm\u0259ti m\u00fclkiyy\u0259t sahibl\u0259rinin xilaskar\u0131d\u0131r v\u0259 onlara q\u0259zalar zaman\u0131 s\u0131\u011forta edilmi\u015f \u0259mlaka g\u00f6r\u0259 kifay\u0259t q\u0259d\u0259r m\u0259bl\u0259\u011f verilir. Sad\u0259c\u0259 qanunla m\u0259cburiyy\u0259t olsa da, insanlar\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti \u0259mlaklar\u0131n\u0131 s\u0131\u011forta etdirmirl\u0259r v\u0259 onlar\u0131 bu i\u015f\u0259 m\u0259cbur ed\u0259c\u0259k bir mexanizm yoxdur\u201d.<\/p>\n

\"\"<\/p>\n

\u201cV\u0259ziyy\u0259t yax\u015f\u0131ya do\u011fru gedir\u201d<\/strong><\/p>\n

\u201cAz\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131\u201d (ASA) \u0130ctimai Birliyinin \u0130cra\u00e7\u0131 direktoru Elmar Mirsalayev da hesab edir ki, \u0259mlak s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 v\u0259ziyy\u0259t \u00fcr\u0259ka\u00e7an deyil, amma t\u0259dric\u0259n yax\u015f\u0131ya do\u011fru gedir: \u201cHaqq\u0131nda dan\u0131\u015fd\u0131\u011f\u0131m\u0131z s\u0131\u011forta n\u00f6v\u00fc icbari olsa da, \u0259halinin v\u0259 biznes subyektl\u0259rinin s\u0131\u011forta xidm\u0259tl\u0259ri il\u0259 ba\u011fl\u0131 m\u0259lumatlar\u0131n\u0131n m\u0259hdud olmas\u0131 s\u0259b\u0259bil\u0259 n\u00f6v \u00fczr\u0259 penetrasiya arzuolunan h\u0259dd\u0259 deyil. Lakin icmal r\u0259q\u0259ml\u0259rin\u0259 n\u0259z\u0259r salsaq g\u00f6r\u00fcr\u00fck ki, da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131na maraq t\u0259dric\u0259n v\u0259 m\u0259rh\u0259l\u0259li \u015f\u0259kild\u0259 formala\u015f\u0131r. Bel\u0259 ki, cari ilin yanvar-iyun aylar\u0131 \u0259rzind\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 n\u00f6v\u00fc \u00fczr\u0259 35.3 milyon manat s\u0131\u011forta haqq\u0131 t\u0259min edilib. Bu da \u00f6t\u0259n ilin analoji d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 3,3 milyon manat \u00e7oxdur. 2021-ci ilin \u00fcmumi s\u0131\u011forta statistikas\u0131ndan da g\u00f6r\u00fcr\u00fck ki, da\u015f\u0131nmaz \u0259mlak\u0131n s\u0131\u011fortas\u0131 bazar\u0131 36,6 % b\u00f6y\u00fcy\u00fcb. Bu da onun g\u00f6st\u0259ricisidir ki, n\u00f6v \u00fczr\u0259 stabil art\u0131m tempi t\u0259min olunub v\u0259 bu temp n\u00f6vb\u0259ti m\u0259rh\u0259l\u0259 \u00fc\u00e7\u00fcn qorunub saxlanmaqdad\u0131r\u201d.<\/p>\n

E.Mirsalayev qeyd edib ki, da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 n\u00f6v\u00fcn\u00fcn bazar potensial\u0131ndan tam \u015f\u0259kild\u0259 istifad\u0259 olunmas\u0131 m\u0259qs\u0259di il\u0259 m\u00fct\u0259madi olaraq add\u0131mlar at\u0131l\u0131r: \u201cBildiyiniz kimi, art\u0131q ikinci ildir ki, Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131 (AMB), ASA v\u0259 \u0130cbari S\u0131\u011forta B\u00fcrosu (\u0130SB) “S\u0131\u011forta savadl\u0131l\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131, maarifl\u0259ndirm\u0259, t\u0259bli\u011fat v\u0259 qar\u015f\u0131s\u0131al\u0131nmaz t\u0259dbirl\u0259rinin sistemli v\u0259 ard\u0131c\u0131l h\u0259yata ke\u00e7irilm\u0259sin\u0259 dair qar\u015f\u0131l\u0131ql\u0131 \u0259m\u0259kda\u015fl\u0131q haqq\u0131nda” Memorandum \u00e7\u0259r\u00e7iv\u0259sind\u0259 \u00f6lk\u0259 s\u0259viyy\u0259sind\u0259 s\u0131\u011forta maarifl\u0259ndirm\u0259si layih\u0259sini icra edirl\u0259r. Layih\u0259 3 ili \u0259hat\u0259 edir. Layih\u0259nin indiki ikinci ili s\u0131\u011forta sinifl\u0259ri, x\u00fcsusil\u0259 d\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011forta n\u00f6v\u00fc il\u0259 ba\u011fl\u0131 bilgil\u0259ndirm\u0259y\u0259 h\u0259sr olunub. \u0130st\u0259r \u00fcmumi icmalda, ist\u0259rs\u0259 d\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 bazar\u0131ndak\u0131 stabil b\u00f6y\u00fcm\u0259ni \u0259sas tutaraq hesab edir\u0259m ki, bu layih\u0259nin u\u011furlu n\u0259tic\u0259si n\u00f6vb\u0259ti m\u0259rh\u0259l\u0259d\u0259 daha ayd\u0131n g\u00f6r\u00fcn\u0259c\u0259k\u201d.<\/p>\n

\"\"<\/p>\n

\u201cReport\u201d m\u00f6vzu il\u0259 ba\u011fl\u0131 \u0130SB-y\u0259 d\u0259 m\u00fcraci\u0259t edib. Qurumdan bildiribl\u0259r ki, Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 24 iyun 2011-ci ild\u0259 q\u0259bul edilmi\u015f \u201c\u0130cbari s\u0131\u011fortalar haqq\u0131nda\u201d qanuna \u0259sas\u0259n \u0259halinin sosial rifah\u0131n\u0131, sahibkarl\u0131q subyektl\u0259rinin m\u0259nafeyini, el\u0259c\u0259 d\u0259 maliyy\u0259 sabitliyini qorumaq m\u0259qs\u0259dil\u0259 t\u0259tbiq olunur. Bu s\u0131\u011forta n\u00f6v\u00fc \u00fczr\u0259 h\u0259m h\u00fcquqi, h\u0259m d\u0259 fiziki \u015f\u0259xsl\u0259r\u0259 m\u0259xsus tikilil\u0259rin, ya\u015fay\u0131\u015f v\u0259 qeyri-ya\u015fay\u0131\u015f sah\u0259l\u0259rinin, ya\u015fay\u0131\u015f evl\u0259ri, binalar\u0131n\u0131n v\u0259 m\u0259nzill\u0259rin, habel\u0259 d\u00f6vl\u0259t \u0259mlak\u0131n\u0131n s\u0131\u011fortalanmas\u0131 m\u0259cburidir. \u00d6zba\u015f\u0131na tikinti say\u0131lan da\u015f\u0131nmaz \u0259mlak, s\u00f6k\u00fclm\u0259si bar\u0259d\u0259 q\u0259rar q\u0259bul edilmi\u015f, el\u0259c\u0259 d\u0259, tikintisi ba\u015fa \u00e7atmayan v\u0259 q\u0259zal\u0131 v\u0259ziyy\u0259td\u0259 olan da\u015f\u0131nmaz \u0259mlak icbari s\u0131\u011fortaya c\u0259lb olunmur. Da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 da\u015f\u0131nmaz \u0259mlak\u0131n yan\u011f\u0131n v\u0259 ya dig\u0259r hadis\u0259l\u0259r n\u0259tic\u0259sind\u0259 z\u0259d\u0259l\u0259nm\u0259si, m\u0259hv olmas\u0131, yaxud h\u0259r hans\u0131 formada itkisi il\u0259 ba\u011fl\u0131 d\u0259y\u0259n z\u0259r\u0259rin \u0259v\u0259zinin \u00f6d\u0259nilm\u0259sin\u0259 t\u0259minat verir.<\/p>\n

Bu n\u00f6v \u00fczr\u0259 elektronla\u015fman\u0131 t\u0259min etm\u0259k m\u0259qs\u0259dil\u0259 \u0130cbari S\u0131\u011forta B\u00fcrosu (\u0130SB) v\u0259 \u0130qtisadiyyat Nazirliyinin informasiya sisteml\u0259ri aras\u0131nda inteqrasiyalar\u0131n t\u0259min edilm\u0259si n\u0259z\u0259rd\u0259 tutulur. Eyni zamanda, m\u00fcvafiq h\u00fcquqi bazan\u0131n formala\u015fd\u0131r\u0131lmas\u0131 m\u0259qs\u0259dil\u0259, AMB qanunvericilikd\u0259 \u0259laq\u0259dar d\u0259yi\u015fiklikl\u0259rin edilm\u0259si \u00fczr\u0259 d\u0259 t\u0259dbirl\u0259r g\u00f6rm\u0259kd\u0259dir.<\/p>\n

AMB, ASA v\u0259 \u0130SB aras\u0131nda imzalanm\u0131\u015f \u201cQar\u015f\u0131l\u0131ql\u0131 anla\u015fma haqq\u0131nda Memorandum\u201da \u0259sas\u0259n icra edil\u0259n \u201cS\u0131\u011forta savadl\u0131l\u0131\u011f\u0131n\u0131n art\u0131r\u0131lmas\u0131, maarifl\u0259ndirm\u0259, t\u0259bli\u011fat v\u0259 qar\u015f\u0131s\u0131al\u0131nma t\u0259dbirl\u0259rinin h\u0259yata ke\u00e7irilm\u0259si layih\u0259si\u201d \u00e7\u0259r\u00e7iv\u0259sind\u0259 b\u00fct\u00fcn s\u0131\u011forta m\u0259hsullar\u0131, o c\u00fcml\u0259d\u0259n da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 \u00fczr\u0259 \u0259halinin v\u0259 biznes subyektl\u0259rinin maarifl\u0259ndirilm\u0259si, t\u0259bli\u011fat v\u0259 t\u0259\u015fviqat i\u015fl\u0259ri d\u0259 davam etdirilir.<\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 potensial\u0131n t\u0259xmin\u0259n 90%-d\u0259n istifad\u0259 olunmur. ARANTV.AZ\u00a0 x\u0259b\u0259r verir ki, haz\u0131rda \u00f6lk\u0259d\u0259 icbari qaydada s\u0131\u011fortalama\u011f\u0131n m\u00fcmk\u00fcn oldu\u011fu t\u0259xmin\u0259n 1 milyon m\u0259nzil v\u0259 f\u0259rdi ev olsa da, bunun c\u0259mi 100 mini s\u0131\u011fortal\u0131d\u0131r. Halbuki, M\u00fclki M\u0259c\u0259ll\u0259nin 180-ci madd\u0259sin\u0259 g\u00f6r\u0259, m\u00fclkiyy\u0259t h\u00fcququ olan, y\u0259ni \u00f6zba\u015f\u0131na tikilm\u0259y\u0259n v\u0259 haqq\u0131nda s\u00f6k\u00fclm\u0259k bar\u0259d\u0259 q\u0259rar olmayan b\u00fct\u00fcn \u0259mlaklar\u0131 s\u0131\u011fortalamaq m\u00fcmk\u00fcnd\u00fcr. S\u0131\u011forta il\u0259 \u0259hat\u0259 olunmu\u015f 100 min \u0259mlaka g\u0259linc\u0259 is\u0259, onlar\u0131n dem\u0259k olar ki, ham\u0131s\u0131n\u0131n sahibi m\u00fcxt\u0259lif t\u0259sir mexanizml\u0259rinin hesab\u0131na s\u0131\u011forta \u015firk\u0259tl\u0259rin\u0259 \u00fcz tutub. Y\u0259ni, kims\u0259 evini ipoteka il\u0259 satd\u0131\u011f\u0131 v\u0259 yaxud…<\/p>\n","protected":false},"author":2,"featured_media":503636,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-08T181203.179.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-08T181203.179.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-08T181203.179.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-08T181203.179-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-08T181203.179-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-08T181203.179.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-08T181203.179.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-08T181203.179.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-08T181203.179-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2022\/08\/FotoJet-2022-08-08T181203.179.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 potensial\u0131n t\u0259xmin\u0259n 90%-d\u0259n istifad\u0259 olunmur. ARANTV.AZ\u00a0 x\u0259b\u0259r verir ki, haz\u0131rda \u00f6lk\u0259d\u0259 icbari qaydada s\u0131\u011fortalama\u011f\u0131n m\u00fcmk\u00fcn oldu\u011fu t\u0259xmin\u0259n 1 milyon m\u0259nzil v\u0259 f\u0259rdi ev olsa da, bunun c\u0259mi 100 mini s\u0131\u011fortal\u0131d\u0131r. Halbuki, M\u00fclki M\u0259c\u0259ll\u0259nin 180-ci madd\u0259sin\u0259 g\u00f6r\u0259, m\u00fclkiyy\u0259t h\u00fcququ olan, y\u0259ni \u00f6zba\u015f\u0131na tikilm\u0259y\u0259n v\u0259 haqq\u0131nda s\u00f6k\u00fclm\u0259k bar\u0259d\u0259 q\u0259rar olmayan…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/503635"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=503635"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/503635\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/503636"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=503635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=503635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=503635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}