{"id":690483,"date":"2024-02-14T09:56:27","date_gmt":"2024-02-14T05:56:27","guid":{"rendered":"https:\/\/arantv.az\/?p=690483"},"modified":"2024-02-14T09:56:27","modified_gmt":"2024-02-14T05:56:27","slug":"ipoteka-il%c9%99-ev-almaq-ist%c9%99y%c9%99nl%c9%99rin-sayi-azalir-s%c9%99b%c9%99bl%c9%99r","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=690483","title":{"rendered":"\u0130poteka il\u0259 ev almaq ist\u0259y\u0259nl\u0259rin say\u0131 azal\u0131r- s\u0259b\u0259bl\u0259r…"},"content":{"rendered":"

Elman Sad\u0131qov: \u201cG\u00fcz\u0259\u015ftli ipotekan\u0131n dair\u0259sini geni\u015fl\u0259ndirm\u0259k olar, bundan sonra…\u201d<\/strong><\/h3>\n

\u0130ld\u0259n-il\u0259 ipoteka krediti g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259nl\u0259rin\u00a0 say\u0131 azal\u0131r. \u018fhali bunun s\u0259b\u0259bini ipoteka kreditl\u0259rinin h\u0259r k\u0259s\u0259 \u015famil edilm\u0259m\u0259si v\u0259 bir s\u0131ra m\u0259hdudiyy\u0259tl\u0259rin t\u0259tbiq edilm\u0259si il\u0259 \u0259laq\u0259l\u0259ndirir. Ekspertl\u0259r\u0259 g\u00f6r\u0259 is\u0259 ipoteka kreditinin al\u0131nmas\u0131nda \u0259sas mane\u0259 ya\u015fla ba\u011fl\u0131d\u0131r. Bel\u0259 ki, 45-50-dan yuxar\u0131 \u015f\u0259xsl\u0259r ipoteka g\u00f6t\u00fcrm\u0259k ist\u0259yirs\u0259, art\u0131q 25 illiy\u0259 yox, 15 illiy\u0259 g\u00f6t\u00fcr\u0259 bil\u0259r. El\u0259c\u0259 d\u0259 g\u0259lirl\u0259 ba\u011fl\u0131 bir s\u0131ra t\u0259l\u0259bl\u0259r var ki, bununla ba\u011fl\u0131 \u015fikay\u0259tl\u0259r d\u0259 \u00e7oxdur. \u018fg\u0259r v\u0259t\u0259nda\u015f\u0131n g\u0259lirl\u0259ri qeyri-r\u0259smidirs\u0259, bu zaman problem yaran\u0131r. \u018fg\u0259r g\u0259lirin bir hiss\u0259si r\u0259smi, bir hiss\u0259si qeyri-r\u0259smidirs\u0259, qeyri-r\u0259smi hiss\u0259 \u015f\u0259xsin qiym\u0259tl\u0259ndirm\u0259sind\u0259 i\u015ftirak etmir. \u0130poteka obyektinin m\u00fctl\u0259q r\u0259smi s\u0259n\u0259dinin olmas\u0131 laz\u0131md\u0131r. S\u0259n\u0259dsiz evl\u0259r ipoteka obyekti say\u0131lm\u0131r. Ekspertl\u0259r\u0259 g\u00f6r\u0259, bu amill\u0259r ipotekaya c\u0259lb oluna bil\u0259n obyektl\u0259rin, evl\u0259rin say\u0131n\u0131n azalmas\u0131 il\u0259 n\u0259tic\u0259l\u0259nir.\u00a0\u00a0<\/em><\/p>\n

\u0130poteka g\u00f6t\u00fcr\u0259nl\u0259rin say\u0131n\u0131n azalmas\u0131na bir s\u0259b\u0259b kimi d\u0259 insanlar\u0131n g\u0259lirl\u0259rinin a\u015fa\u011f\u0131 olmas\u0131 v\u0259 m\u0259nzil bazar\u0131nda qiym\u0259tl\u0259rin y\u00fcks\u0259k olmas\u0131 da g\u00f6st\u0259rilir.\u00a0<\/strong><\/p>\n

M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn dey\u0259k ki, 2021-ci yanvar-iyul aylar\u0131nda \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun x\u0259tti il\u0259 m\u00fcv\u0259kkil banklar t\u0259r\u0259find\u0259n 3445 ail\u0259y\u0259 230,5 mln. manat m\u0259bl\u0259\u011find\u0259 ipoteka krediti verilib. Veril\u0259n kreditl\u0259rin 153,6 mln. manat\u0131 adi ipoteka kreditl\u0259rinin (2040 \u0259d\u0259d), 76,8 mln. manat\u0131 is\u0259 g\u00fcz\u0259\u015ftli ipoteka kreditl\u0259rinin (1405 \u0259d\u0259d) pay\u0131na d\u00fc\u015f\u00fcb. \u00dcmumilikd\u0259, 2006-c\u0131 ild\u0259n 2021-ci il\u0259d\u0259k fondun v\u0259saiti hesab\u0131na verilmi\u015f ipoteka kreditl\u0259rinin \u00fcmumi m\u0259bl\u0259\u011fi 1 milyard 882 mln. manatdan \u00e7ox, bu kreditl\u0259r hesab\u0131na \u00f6z ya\u015fay\u0131\u015f \u015f\u0259raitini yax\u015f\u0131la\u015fd\u0131rm\u0131\u015f ail\u0259l\u0259rin say\u0131 is\u0259 35112 olub. Bu kreditl\u0259rin 625 mln. manatdan \u00e7ox hiss\u0259sini (12150 \u0259d\u0259d) g\u00fcz\u0259\u015ftli kateqoriyalara aid \u015f\u0259xsl\u0259r\u0259 verilmi\u015f kreditl\u0259r t\u0259\u015fkil edir.<\/p>\n

2022-ci ilin \u00f6t\u0259n d\u00f6vr\u00fcnd\u0259 is\u0259 \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun v\u0259saiti hesab\u0131na 230,7 mln. manat m\u0259bl\u0259\u011find\u0259 3000-d\u0259k Az\u0259rbaycan v\u0259t\u0259nda\u015f\u0131na ipoteka, o c\u00fcml\u0259d\u0259n g\u00fcz\u0259\u015ftli ipoteka krediti verilib. Fondun v\u0259saiti hesab\u0131na verilmi\u015f ipoteka kreditl\u0259rinin \u00fcmumi m\u0259bl\u0259\u011fi 2 milyard 227 mln. manat\u0131, bu kreditl\u0259r hesab\u0131na \u00f6z ya\u015fay\u0131\u015f \u015f\u0259ratini yax\u015f\u0131la\u015fd\u0131rm\u0131\u015f ail\u0259l\u0259rin say\u0131 is\u0259 39 700-\u00fc \u00f6t\u00fcb. Fondun 2022-ci ild\u0259 a\u00e7\u0131qlad\u0131\u011f\u0131 statistikaya g\u00f6r\u0259, Az\u0259rbaycanda d\u00f6vl\u0259t x\u0259tti il\u0259 verilmi\u015f ipoteka kreditl\u0259rinin 93%-i m\u0259nzill\u0259rin, 7%-i is\u0259 f\u0259rdi evl\u0259rin al\u0131nmas\u0131 \u00fc\u00e7\u00fcn ayr\u0131l\u0131b.<\/p>\n

2023-c\u00fc ild\u0259 verilmi\u015f ipoteka kreditinin orta h\u0259cmi is\u0259 59,872 min manat t\u0259\u015fkil edib. Kreditl\u0259r 282 ay m\u00fcdd\u0259tin\u0259 v\u0259 illik 6,34 % d\u0259r\u0259c\u0259si il\u0259 verilib.<\/p>\n

Bu il is\u0259 adi ipoteka kreditl\u0259ri \u00fczr\u0259 m\u00fcraci\u0259tl\u0259rin q\u0259buluna fevral\u0131n 2-d\u0259n ba\u015flan\u0131l\u0131b. 2024-c\u00fc ilin d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259 ipotekan\u0131n maliyy\u0259l\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn 87,7 milyon manat n\u0259z\u0259rd\u0259 tutulub.<\/p>\n

\u0130poteka kreditl\u0259rinin \u015f\u0259rtl\u0259ri niy\u0259 sad\u0259l\u0259\u015fdirilmir? Niy\u0259 ipoteka il\u0259 ev almaq ham\u0131 \u00fc\u00e7\u00fcn \u0259l\u00e7atan deyil?\u00a0<\/strong><\/p>\n

\"Ekspert:<\/strong><\/p>\n

Elnur F\u0259rz\u0259liyev<\/strong><\/p>\n

\u018fmlak m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Elnur F\u0259rz\u0259liyev biziml\u0259 s\u00f6hb\u0259td\u0259 deyib ki, 2023-c\u00fc il \u00fc\u00e7\u00fcn ya\u015fay\u0131\u015f minimumu \u00f6lk\u0259 \u00fczr\u0259 246 manat, \u0259m\u0259k qabiliyy\u0259tli \u0259hali \u00fc\u00e7\u00fcn 261 manat, pensiya\u00e7\u0131lar \u00fc\u00e7\u00fcn 199 manat, u\u015faqlar \u00fc\u00e7\u00fcn 220 manat m\u0259bl\u0259\u011find\u0259 m\u00fc\u0259yy\u0259n edilib: \u201c2024-c\u00fc ild\u0259 is\u0259 Az\u0259rbaycanda minimum ya\u015fay\u0131\u015f v\u0259 ehtiyac meyar\u0131 270 manat olub. Bunun m\u00fcsb\u0259t t\u0259r\u0259fl\u0259ri oldu\u011fu kimi, m\u0259nfi t\u0259r\u0259fl\u0259ri d\u0259 var. Bu il \u0130poteka krediti il\u0259 m\u0259nzil alan \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn ail\u0259d\u0259ki i\u015fl\u0259m\u0259y\u0259n \u015f\u0259xsl\u0259r v\u0259 u\u015faqlar \u00fc\u00e7\u00fcn minimum ya\u015fay\u0131\u015f v\u0259 ehtiyac meyar\u0131 yeni qaydalarla hesablanacaq. Y\u0259ni bu il ipoteka krediti il\u0259 m\u0259nzil almaq \u00f6t\u0259n il\u0259 nisb\u0259t\u0259n az da olsa \u00e7\u0259tinl\u0259\u015f\u0259c\u0259k\u201d.<\/p>\n

\"Oxu.az<\/p>\n

Elman Sad\u0131qov\u00a0<\/strong><\/p>\n

Bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Elman Sad\u0131qov m\u00f6vzu il\u0259 ba\u011fl\u0131 \u201cYeni M\u00fcsavat\u201da dedi ki, ipoteka il\u0259 ba\u011fl\u0131 bir ne\u00e7\u0259 \u0259sas istiqam\u0259t var:<\/strong>\u00a0\u201c\u018fn \u0259sas m\u0259s\u0259l\u0259l\u0259rd\u0259n biri g\u0259lirl\u0259rl\u0259 ba\u011fl\u0131d\u0131r. \u00c7\u00fcnki burada ail\u0259 \u00fczvl\u0259rinin say\u0131na g\u00f6r\u0259 m\u00fc\u0259yy\u0259n olunur. Bir d\u0259 minimum ya\u015fay\u0131\u015f h\u0259ddi var. Ail\u0259d\u0259 ne\u00e7\u0259 \u00fczv varsa, o\u00a0 minimum ya\u015fay\u0131\u015f h\u0259ddin\u0259 vurulur ki, ayl\u0131q x\u0259rc bu q\u0259d\u0259r olmal\u0131d\u0131r. Maa\u015f\u0131n da qalan hiss\u0259sinin 70 faiz\u0259 q\u0259d\u0259rini \u00f6d\u0259ni\u015f ed\u0259 bil\u0259rl\u0259r. Bu, \u0259slind\u0259 normald\u0131r. Bir insan 500 manat maa\u015f al\u0131b, onun 400-300 manat\u0131n\u0131 ipoteka \u00f6d\u0259y\u0259 bilm\u0259z. \u00c7\u00fcnki onun ayl\u0131q ya\u015fay\u0131\u015f\u0131 var. Maa\u015f m\u0259s\u0259l\u0259sin\u0259 g\u00f6r\u0259 h\u0259r adam ipoteka ala bilmir. \u0130kinci m\u0259s\u0259l\u0259 is\u0259 faizl\u0259rl\u0259 ba\u011fl\u0131d\u0131r. D\u00fcnyada dem\u0259k olar ki, ipoteka dollar\u0131n faizi il\u0259 \u0259laq\u0259dar y\u00fcks\u0259kdir. Amma \u00fcmumilikd\u0259 g\u00f6t\u00fcrd\u00fckd\u0259 nisb\u0259t\u0259n a\u015fa\u011f\u0131 faizl\u0259rimiz var. Y\u0259ni g\u00fcz\u0259\u015ftli ipoteka 4 faizdir. G\u00fcz\u0259\u015ftli ipotekan\u0131n dair\u0259sini geni\u015fl\u0259ndirm\u0259k olar. \u018fslind\u0259 \u0259mlaklar\u0131n qiym\u0259ti b\u00fct\u00fcn d\u00fcnyada qalx\u0131b, inflyasiya var. Onsuz da tikinti materiallar\u0131n\u0131n da qiym\u0259ti qalx\u0131r. \u018fmlak\u0131n qiym\u0259tinin artmas\u0131 m\u0259s\u0259l\u0259sin\u0259 bax\u0131la bil\u0259r. Tutaq ki, \u0259mlak\u0131n qiym\u0259ti 10-15 faiz a\u015fa\u011f\u0131 sal\u0131narsa, ipotekaya ax\u0131n artacaqm\u0131? N\u0259tic\u0259 etibaril\u0259 ipoteka kreditl\u0259rin\u0259 baxark\u0259n h\u0259r bir d\u00f6vl\u0259t ehtiyatl\u0131 m\u00f6vqe tutmal\u0131d\u0131r. \u00c7\u00fcnki ipoteka uzunm\u00fcdd\u0259tli borclanmad\u0131r. Uzunm\u00fcdd\u0259tli borclanma is\u0259 \u0259halinin rifah\u0131na, ya\u015fay\u0131\u015f t\u0259rzin\u0259, x\u0259rcl\u0259m\u0259l\u0259r\u0259 d\u0259 t\u0259sirini g\u00f6st\u0259rir. Buna g\u00f6r\u0259 d\u0259 d\u00f6vl\u0259tl\u0259r m\u00fc\u0259yy\u0259n m\u0259nada ehtiyatl\u0131 m\u00f6vqe tuturlar. Amma ev \u00f6n\u0259mlidir, evi olmayan \u015f\u0259xs h\u0259m d\u0259 kiray\u0259 pulu \u00f6d\u0259m\u0259y\u0259 m\u0259cbur olur. Bu, ciddi \u015f\u0259kild\u0259 t\u0259hlil olunmal\u0131d\u0131r. T\u0259hlil olunandan sonra \u0259hali aras\u0131nda sor\u011fular ke\u00e7irm\u0259k olar. Bundan sonra m\u00fc\u0259yy\u0259nl\u0259\u015fdirm\u0259k olar ki, bunlardan hans\u0131 proses\u0259 m\u0259nfi t\u0259sir g\u00f6st\u0259rir\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"

Elman Sad\u0131qov: \u201cG\u00fcz\u0259\u015ftli ipotekan\u0131n dair\u0259sini geni\u015fl\u0259ndirm\u0259k olar, bundan sonra…\u201d \u0130ld\u0259n-il\u0259 ipoteka krediti g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259nl\u0259rin\u00a0 say\u0131 azal\u0131r. \u018fhali bunun s\u0259b\u0259bini ipoteka kreditl\u0259rinin h\u0259r k\u0259s\u0259 \u015famil edilm\u0259m\u0259si v\u0259 bir s\u0131ra m\u0259hdudiyy\u0259tl\u0259rin t\u0259tbiq edilm\u0259si il\u0259 \u0259laq\u0259l\u0259ndirir. Ekspertl\u0259r\u0259 g\u00f6r\u0259 is\u0259 ipoteka kreditinin al\u0131nmas\u0131nda \u0259sas mane\u0259 ya\u015fla ba\u011fl\u0131d\u0131r. Bel\u0259 ki, 45-50-dan yuxar\u0131 \u015f\u0259xsl\u0259r ipoteka g\u00f6t\u00fcrm\u0259k ist\u0259yirs\u0259, art\u0131q 25 illiy\u0259 yox, 15 illiy\u0259 g\u00f6t\u00fcr\u0259 bil\u0259r. El\u0259c\u0259 d\u0259 g\u0259lirl\u0259 ba\u011fl\u0131 bir s\u0131ra t\u0259l\u0259bl\u0259r var ki, bununla ba\u011fl\u0131 \u015fikay\u0259tl\u0259r d\u0259 \u00e7oxdur. \u018fg\u0259r v\u0259t\u0259nda\u015f\u0131n g\u0259lirl\u0259ri qeyri-r\u0259smidirs\u0259, bu zaman problem yaran\u0131r. \u018fg\u0259r g\u0259lirin bir hiss\u0259si r\u0259smi, bir hiss\u0259si qeyri-r\u0259smidirs\u0259, qeyri-r\u0259smi…<\/p>\n","protected":false},"author":2,"featured_media":690484,"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":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/7d3686bea3ed2abf97726090a9de9858.jpg",750,422,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/7d3686bea3ed2abf97726090a9de9858.jpg",750,422,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/7d3686bea3ed2abf97726090a9de9858.jpg",750,422,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/7d3686bea3ed2abf97726090a9de9858-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/7d3686bea3ed2abf97726090a9de9858-649x365.jpg",649,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/7d3686bea3ed2abf97726090a9de9858.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/7d3686bea3ed2abf97726090a9de9858.jpg",750,422,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/7d3686bea3ed2abf97726090a9de9858.jpg",750,422,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/7d3686bea3ed2abf97726090a9de9858-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/02\/7d3686bea3ed2abf97726090a9de9858.jpg",750,422,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"Elman Sad\u0131qov: \u201cG\u00fcz\u0259\u015ftli ipotekan\u0131n dair\u0259sini geni\u015fl\u0259ndirm\u0259k olar, bundan sonra…\u201d \u0130ld\u0259n-il\u0259 ipoteka krediti g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259nl\u0259rin\u00a0 say\u0131 azal\u0131r. \u018fhali bunun s\u0259b\u0259bini ipoteka kreditl\u0259rinin h\u0259r k\u0259s\u0259 \u015famil edilm\u0259m\u0259si v\u0259 bir s\u0131ra m\u0259hdudiyy\u0259tl\u0259rin t\u0259tbiq edilm\u0259si il\u0259 \u0259laq\u0259l\u0259ndirir. Ekspertl\u0259r\u0259 g\u00f6r\u0259 is\u0259 ipoteka kreditinin al\u0131nmas\u0131nda \u0259sas mane\u0259 ya\u015fla ba\u011fl\u0131d\u0131r. Bel\u0259 ki, 45-50-dan yuxar\u0131 \u015f\u0259xsl\u0259r ipoteka g\u00f6t\u00fcrm\u0259k ist\u0259yirs\u0259, art\u0131q 25 illiy\u0259 yox,…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/690483"}],"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=690483"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/690483\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/690484"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=690483"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=690483"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=690483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}