<\/p>\n
\u018fmlak m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Ramil Osmanl\u0131\u00a0bildirib ki, d\u00f6vl\u0259t g\u00fcz\u0259\u015ftli ipoteka kreditin\u0259 m\u0259bl\u0259\u011f limiti qoymaqla \u0259slind\u0259 prosesl\u0259ri t\u0259nziml\u0259yir:<\/p>\n
\u201cLimit h\u0259r ilin sonunda d\u00f6vl\u0259t b\u00fcdc\u0259sinin m\u00fczakir\u0259si apar\u0131lan zaman m\u00fc\u0259yy\u0259nl\u0259\u015fdirilir. \u0130stisna hal kimi b\u0259z\u0259n limitin il \u0259rzind\u0259 \u00e7ox c\u00fczi \u015f\u0259kild\u0259 art\u0131r\u0131lmas\u0131, yaxud azald\u0131lmas\u0131na rast g\u0259linir. T\u0259nziml\u0259nm\u0259nin m\u0259qs\u0259di bazara k\u0259skin pul ax\u0131n\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaq, eyni zamanda alternativ bazarlar \u00fczr\u0259 r\u0259qab\u0259ti m\u00fc\u0259yy\u0259n m\u0259nada qoruyub saxlamaqd\u0131r. \u00c7\u00fcnki M\u0259nzil \u0130nki\u015faf\u0131 D\u00f6vl\u0259t Agentliyinin x\u0259tti il\u0259 d\u0259 g\u00fcz\u0259\u015ftli m\u0259nzill\u0259r verilir\u201d.<\/p>\n
<\/p>\n
R.Osmanl\u0131 qeyd edib ki, bu q\u0259rar g\u00fcz\u0259\u015ftli ipoteka kreditin\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n, eyni zamanda bu prosesd\u0259n yararlanan t\u0259b\u0259q\u0259nin art\u0131r\u0131lmas\u0131 m\u0259qs\u0259di da\u015f\u0131y\u0131r:<\/p>\n
\u201cS\u0259hiyy\u0259 i\u015f\u00e7il\u0259rinin bu proses\u0259 qo\u015fulmas\u0131 g\u00fcz\u0259\u015ftli ipoteka kreditin\u0259 t\u0259l\u0259bi qism\u0259n art\u0131racaq. Amma bu hal zamanla t\u0259nziml\u0259n\u0259c\u0259k. \u018fg\u0259r limit art\u0131r\u0131lmayacaqsa, m\u0259nzil q\u0131tl\u0131\u011f\u0131 v\u0259 qiym\u0259t art\u0131m\u0131 kimi amill\u0259r olmayacaq\u201d.<\/p>\n
<\/p>\n
\u018fmlak\u00e7\u0131 M\u00fclk\u0259dar R\u00fcst\u0259movun\u00a0s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, \u0130poteka Fondu m\u0259nzil qiym\u0259tl\u0259rinin art\u0131m\u0131n\u0131 n\u0259z\u0259r\u0259 alm\u0131r:<\/p>\n
\u201cSon 3-4 ildir ki, ipoteka kreditl\u0259ri il\u0259 ba\u011fl\u0131 limit d\u0259yi\u015fm\u0259yib. M\u0259nzil qiym\u0259tl\u0259rind\u0259 art\u0131m var, amma fond limiti art\u0131rm\u0131r. 1978-ci ild\u0259n sonra tikil\u0259n binalarda 3 otaql\u0131lar\u0131n limiti 90-100 min manat, yeni binalarda is\u0259 140-150 min civar\u0131nda t\u0259yin edilib. Amma son 1-2 ildir k\u00f6hn\u0259 m\u0259nzil bazar\u0131nda 20 faiz\u0259 q\u0259d\u0259r qiym\u0259t art\u0131m\u0131 var. M\u0259s\u0259l\u0259n 120-125 min manata sat\u0131lan 3 otaql\u0131lar art\u0131q 150-155 min civar\u0131ndad\u0131r. Amma ipoteka 100 min manat ay\u0131r\u0131r. V\u0259t\u0259nda\u015f k\u00f6hn\u0259 binaya g\u00f6r\u0259 33 faiz ilkin \u00f6d\u0259ni\u015f verm\u0259lidir. Yenitikilil\u0259rd\u0259 is\u0259 2013-c\u00fc ild\u0259n sonrak\u0131 binalara 20 faiz ilkin \u00f6d\u0259ni\u015f t\u0259l\u0259b olunur. \u018fvv\u0259l evl\u0259r 120-125 min olanda m\u00fc\u015ft\u0259ri ilkin \u00f6d\u0259ni\u015fin 30 faizini ver\u0259 bilirdi v\u0259 asanl\u0131qla ipoteka il\u0259 m\u0259nzili \u0259ld\u0259 edirdi. Amma indi qiym\u0259tl\u0259r qalx\u0131b\u201d.<\/p>\n
M.R\u00fcst\u0259mov qeyd etdi ki, limitin art\u0131r\u0131lmas\u0131 g\u00f6zl\u0259nilir:<\/p>\n
\u201c\u0130poteka Fondu limiti 120 min manata q\u0259d\u0259r art\u0131rsa, m\u0259nzil bazar\u0131nda b\u00f6y\u00fck canlanma yarana, n\u0259tic\u0259d\u0259 daha \u00e7ox m\u0259nzil sat\u0131la bil\u0259r. Kifay\u0259t q\u0259d\u0259r m\u00fc\u015ft\u0259ri var ki, ipotekaya m\u00fcraci\u0259t edib, lakin cavabs\u0131z qal\u0131b. Limit aprel-may aylar\u0131nda art\u0131r\u0131lacaq\u201d.<\/p>\n
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\u018fmlak m\u0259s\u0259l\u0259l\u0259ri eksperti Elnur F\u0259rz\u0259liyev\u00a0dedi ki, bu m\u0259nzill\u0259r 25 illik verilir dey\u0259, v\u0259t\u0259nda\u015f ev ala bilmir:<\/p>\n
\u201c\u0130poteka kreditl\u0259ri yenitikili, 9 m\u0259rt\u0259b\u0259li v\u0259 5 m\u0259rt\u0259b\u0259li binalardan ya\u015f\u0131 daha yeni olanlara verilir. Bak\u0131da m\u0259rk\u0259z v\u0259 ona yax\u0131n \u0259razil\u0259rd\u0259 1 otaql\u0131 yenitikili binadak\u0131 t\u0259mirli m\u0259nzilin sat\u0131\u015f qiym\u0259ti 100 min manatdan bahad\u0131r. K\u00f6hn\u0259 9 m\u0259rt\u0259b\u0259li binalarda is\u0259 2 otaql\u0131 m\u0259nzill\u0259rin sat\u0131\u015f qiym\u0259ti 100-140 min manat aras\u0131 d\u0259yi\u015fir. Qiym\u0259tl\u0259r d\u0259 artan x\u0259tt \u00fczr\u0259 gedir. \u018fmlak bazar\u0131nda el\u0259 qiym\u0259t art\u0131mlar\u0131 ba\u015f verib ki, ipoteka krediti il\u0259 m\u0259nzil almaq ist\u0259y\u0259n \u015f\u0259xsl\u0259rin say\u0131 artsa da, bir hiss\u0259si axtard\u0131qlar\u0131 m\u0259nzili bazarda tapa bilmir. 25 illik kredit\u0259 girib m\u0259nzil almaq ist\u0259y\u0259n \u015f\u0259xsl\u0259r 1 otaq yox, maksimum 2 v\u0259 ya 3 otaql\u0131 ev almaq ist\u0259yirl\u0259r ki, sonra problem ya\u015fanmas\u0131n\u201d.<\/p>\n
E.F\u0259rz\u0259liyevin fikrinc\u0259, g\u00fcz\u0259\u015ft yarad\u0131lsa da, b\u0259zi i\u015f\u00e7il\u0259r bundan istifad\u0259 ed\u0259 bilm\u0259y\u0259c\u0259k:<\/p>\n
\u201cS\u0259hiyy\u0259 i\u015f\u00e7il\u0259rind\u0259n d\u00f6vl\u0259t x\u0259st\u0259xanas\u0131nda i\u015fl\u0259y\u0259nl\u0259rin \u0259m\u0259khaqq\u0131 el\u0259 d\u0259 y\u00fcks\u0259k deyil. Lakin \u00f6z\u0259l klinikalarda i\u015fl\u0259y\u0259n h\u0259kiml\u0259r daha \u00e7ox \u0259m\u0259khaqq\u0131 al\u0131r. Tibb bac\u0131lar\u0131n\u0131n \u0259m\u0259khaqq\u0131 is\u0259 400 manat civar\u0131ndad\u0131r. Onlar\u0131n da i\u015f saat\u0131 h\u0259kiml\u0259rl\u0259 eynidir, amma \u0259m\u0259khaqq\u0131lar\u0131 a\u015fa\u011f\u0131 oldu\u011funa g\u00f6r\u0259 onlara bu kreditl\u0259r verilmir, g\u00fcz\u0259\u015ftli ipotekadan yararlana bilmirl\u0259r. \u018fm\u0259khaqq\u0131 y\u00fcks\u0259k olan h\u0259kiml\u0259rin is\u0259 onsuz da bu kateqoriyaya aidiyy\u0259ti yoxdur. \u00c7\u00fcnki onlar ist\u0259nil\u0259n banka m\u00fcraci\u0259t edib ipoteka krediti ala bilir\u201d.<\/p>\n
<\/p>\n
\u018fmlak eksperti bildirdi ki, v\u0259t\u0259nda\u015flar\u0131n ipotekalardan yararlana bilm\u0259si \u00fc\u00e7\u00fcn m\u00fcnbit \u015f\u0259rait yaratmaq laz\u0131md\u0131r:<\/p>\n
\u201cM\u00fctl\u0259q \u015f\u0259kild\u0259 d\u00f6vl\u0259t d\u0259st\u0259yi olmal\u0131, sosial layih\u0259l\u0259rin say\u0131 art\u0131r\u0131lmal\u0131d\u0131r. Maya d\u0259y\u0259ri a\u015fa\u011f\u0131 olan sosial evl\u0259r tikilm\u0259lidir ki, v\u0259t\u0259nda\u015flar h\u0259min m\u0259nzill\u0259rd\u0259n ala bilsinl\u0259r. M\u0259nzil tikinti sah\u0259l\u0259rinin say\u0131 artsa, ev almaq daha \u0259l\u00e7atan olar. \u00c7\u00fcnki d\u00f6vl\u0259t x\u0259tti il\u0259 tikil\u0259n binalarda torpaq sah\u0259sini d\u00f6vl\u0259t ay\u0131r\u0131r v\u0259 bir \u00e7ox vergil\u0259rd\u0259n azad olduqlar\u0131na g\u00f6r\u0259 orada qiym\u0259tl\u0259r adi m\u0259nzill\u0259rd\u0259n 2 d\u0259f\u0259y\u0259 q\u0259d\u0259r daha ucuz t\u0259klif olunur. Amma sosial layih\u0259l\u0259rin say\u0131 m\u0259hdud saydad\u0131r. H\u0259r sat\u0131\u015f zaman\u0131 minl\u0259rl\u0259 m\u00fcraci\u0259t olur, bir ne\u00e7\u0259 y\u00fcz n\u0259f\u0259r m\u0259nzil sahibi ola bilir\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"
G\u00fcz\u0259\u015ftli ipoteka krediti v\u0259 sosial m\u0259nzil almaq h\u00fcququ veril\u0259n \u015f\u0259xsl\u0259rin siyah\u0131s\u0131na s\u0259hiyy\u0259 i\u015f\u00e7il\u0259rinin d\u0259 \u0259lav\u0259 edilm\u0259si t\u0259klif edilir. Bu, Nazirl\u0259r Kabineti, Az\u0259rbaycan H\u0259mkarlar \u0130ttifaqlar\u0131 Konfederasiyas\u0131 v\u0259 Az\u0259rbaycan Respublikas\u0131 Sahibkarlar (\u0130\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259r) T\u0259\u015fkilatlar\u0131n\u0131n Milli Konfederasiyas\u0131 aras\u0131nda 2023-2025-ci ill\u0259r \u00fc\u00e7\u00fcn Ba\u015f Kollektiv Sazi\u015fd\u0259 \u0259ksini tap\u0131b. Qeyd ed\u0259k ki, g\u00fcz\u0259\u015ftli ipoteka krediti \u0259n az\u0131 3 il daxili i\u015fl\u0259r orqanlar\u0131nda xidm\u0259t ke\u00e7\u0259n x\u00fcsusi r\u00fctb\u0259si olan \u015f\u0259xsl\u0259r\u0259, \u0259n az\u0131 3 il elmi v\u0259zif\u0259d\u0259 i\u015fl\u0259y\u0259n elmi i\u015f\u00e7il\u0259r\u0259, \u0259n az\u0131 15 il d\u00f6vl\u0259t \u00fcmumi t\u0259hsil m\u00fc\u0259ssis\u0259sind\u0259 m\u00fc\u0259llim i\u015fl\u0259y\u0259n \u015f\u0259xsl\u0259r\u0259, az\u0131 5 il jurnalist i\u015fl\u0259y\u0259n v\u0259 Media Reyestrin\u0259 daxil…<\/p>\n","protected":false},"author":2,"featured_media":590260,"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\/2023\/04\/maJU8SteLou9MPOlxIeEi3EAVjW7jl3jPB0DhBUi.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/04\/maJU8SteLou9MPOlxIeEi3EAVjW7jl3jPB0DhBUi.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/04\/maJU8SteLou9MPOlxIeEi3EAVjW7jl3jPB0DhBUi.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/04\/maJU8SteLou9MPOlxIeEi3EAVjW7jl3jPB0DhBUi-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/04\/maJU8SteLou9MPOlxIeEi3EAVjW7jl3jPB0DhBUi-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/04\/maJU8SteLou9MPOlxIeEi3EAVjW7jl3jPB0DhBUi.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/04\/maJU8SteLou9MPOlxIeEi3EAVjW7jl3jPB0DhBUi.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/04\/maJU8SteLou9MPOlxIeEi3EAVjW7jl3jPB0DhBUi.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/04\/maJU8SteLou9MPOlxIeEi3EAVjW7jl3jPB0DhBUi-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2023\/04\/maJU8SteLou9MPOlxIeEi3EAVjW7jl3jPB0DhBUi.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":"G\u00fcz\u0259\u015ftli ipoteka krediti v\u0259 sosial m\u0259nzil almaq h\u00fcququ veril\u0259n \u015f\u0259xsl\u0259rin siyah\u0131s\u0131na s\u0259hiyy\u0259 i\u015f\u00e7il\u0259rinin d\u0259 \u0259lav\u0259 edilm\u0259si t\u0259klif edilir. Bu, Nazirl\u0259r Kabineti, Az\u0259rbaycan H\u0259mkarlar \u0130ttifaqlar\u0131 Konfederasiyas\u0131 v\u0259 Az\u0259rbaycan Respublikas\u0131 Sahibkarlar (\u0130\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259r) T\u0259\u015fkilatlar\u0131n\u0131n Milli Konfederasiyas\u0131 aras\u0131nda 2023-2025-ci ill\u0259r \u00fc\u00e7\u00fcn Ba\u015f Kollektiv Sazi\u015fd\u0259 \u0259ksini tap\u0131b. Qeyd ed\u0259k ki, g\u00fcz\u0259\u015ftli ipoteka krediti \u0259n az\u0131 3 il daxili i\u015fl\u0259r orqanlar\u0131nda…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/590259"}],"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=590259"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/590259\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/590260"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=590259"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=590259"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=590259"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}