750 min manata q\u0259d\u0259r ipoteka krediti<\/strong><\/p>\n \u018fmlak m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Ramil Osmanl\u0131 deyir ki, banklar\u0131n daxili ipoteka kreditl\u0259rini art\u0131rmas\u0131n\u0131n bazara t\u0259siri ciddidir: \u201cBanklar\u0131n daxili ipoteka kreditl\u0259rini art\u0131rmas\u0131 b\u00fct\u00f6vl\u00fckd\u0259 da\u015f\u0131nmaz \u0259mlak – x\u00fcsusil\u0259 m\u0259nzil bazar\u0131n\u0131 m\u00fc\u0259yy\u0259n q\u0259d\u0259r f\u0259alla\u015fd\u0131r\u0131b. \u018fvv\u0259ll\u0259r \u00fcmumi m\u0259nzil alq\u0131-satq\u0131s\u0131nda d\u00f6vl\u0259t ipotekas\u0131n\u0131n pay\u0131 t\u0259qrib\u0259n 6-7 faiz civar\u0131nda idi. Banklar\u0131n bu proses\u0259 qo\u015fulmas\u0131ndan sonra ipoteka kreditl\u0259\u015fm\u0259sinin \u00fcmumi m\u0259nzil alq\u0131-satq\u0131s\u0131nda pay\u0131 15 faiz\u0259 \u00e7atd\u0131. Kifay\u0259t q\u0259d\u0259r ciddi r\u0259q\u0259mdir\u201d.<\/p>\n R.Osmanl\u0131 bildirdi ki, m\u0259bl\u0259\u011f limitinin daha y\u00fcks\u0259k olmas\u0131 \u00f6z\u0259l ipotekan\u0131 daha c\u0259lbedici edir: \u201cD\u00f6vl\u0259t ipotekas\u0131n\u0131n faiz v\u0259 m\u00fcdd\u0259tl\u0259 ba\u011fl\u0131 \u015f\u0259rtl\u0259ri nisb\u0259t\u0259n daha \u0259l\u00e7atand\u0131r, \u00f6z\u0259l ipotekada is\u0259 m\u0259bl\u0259\u011fl\u0259 ba\u011fl\u0131 t\u0259klifl\u0259r daha c\u0259lbedicidir. Bu s\u0259b\u0259bd\u0259n \u00f6z\u0259l ipotekaya maraq g\u00f6st\u0259r\u0259nl\u0259r d\u0259 var. D\u00f6vl\u0259tin g\u00fcz\u0259\u015ftli ipotekas\u0131nda maksimum faiz 4, adi ipotekas\u0131nda is\u0259 8-dir. Banklar\u0131n daxili ipotekalar\u0131nda is\u0259 bu r\u0259q\u0259m 6 faizd\u0259n 12-13 faiz\u0259 q\u0259d\u0259r d\u0259yi\u015fir. Bundan ba\u015fqa, adi ipotekada d\u00f6vl\u0259tin ay\u0131rd\u0131\u011f\u0131 maksimum r\u0259q\u0259m 150 min manatd\u0131r (g\u00fcz\u0259\u015ftli ipotekada is\u0259 bu m\u0259bl\u0259\u011f 100 min manat olaraq t\u0259sbit edilib). \u00d6z\u0259l banklarda ipoteka \u00fc\u00e7\u00fcn ayr\u0131lan m\u0259bl\u0259\u011fl\u0259r 150-500 min, b\u0259zi hallarda is\u0259 750 min manat m\u0259bl\u0259\u011fin\u0259 q\u0259d\u0259r d\u0259 ipoteka kreditl\u0259rin verilm\u0259si hallar\u0131na rast g\u0259linir. V\u0259t\u0259nda\u015f r\u0259q\u0259min b\u00f6y\u00fcd\u00fcy\u00fcn\u00fc \u0259sas g\u00f6t\u00fcr\u0259r\u0259k qism\u0259n yuxar\u0131 faizl\u0259 banklar\u0131n daxili ipoteka kreditl\u0259rin\u0259 daha \u00e7ox maraq g\u00f6st\u0259rir\u201d.<\/p>\n \u0130\u015fsizlik varsa, g\u0259lirl\u0259r azal\u0131rsa…<\/strong><\/p>\n Bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert C\u0259f\u0259r \u0130brahimlinin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu tipli kreditl\u0259rin \u00f6d\u0259ni\u015find\u0259 o halda problem yaran\u0131r ki, iqtisadiyyatda m\u0259nfi tendensiyalar ya\u015fans\u0131n: \u201c\u0130poteka kreditl\u0259\u015fm\u0259si il\u0259 ba\u011fl\u0131 d\u00fcnyada \u0259n ciddi problem el\u0259 2008-ci ild\u0259 qeyd\u0259 al\u0131n\u0131b. \u0130qtisadiyyatlarda ciddi \u015f\u0259kild\u0259 resessiya olur. \u0130\u015fsizlik v\u0259 \u0259halinin g\u0259lirl\u0259rinin azalmas\u0131 fonunda ipoteka \u00f6d\u0259ni\u015fl\u0259rind\u0259 probleml\u0259r yaran\u0131r. Bu da banklar\u0131n aktivl\u0259rinin, kredit portfelinin pisl\u0259\u015fm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xar\u0131r\u201d.<\/p>\n C.\u0130brahimli bildirdi ki, banklar aktivl\u0259rinin yaln\u0131z bir hiss\u0259sini ipoteka kreditl\u0259\u015fm\u0259sin\u0259 y\u00f6n\u0259ldirl\u0259r. Ona g\u00f6r\u0259 bu istiqam\u0259td\u0259 problem yaranmas\u0131 onlar\u0131n iflas\u0131na g\u0259tir\u0259c\u0259k fakt deyil: \u201c\u0130poteka krediti d\u00fcnyada c\u0259lbedici maliyy\u0259 al\u0259tidir. \u0130nki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 bel\u0259 ipoteka kreditl\u0259ri \u00fcmumdaxili m\u0259hsulun t\u0259xmini 10 faizi h\u0259cmind\u0259dir. Az\u0259rbaycanda son d\u00f6n\u0259md\u0259 bel\u0259 tendensiya ba\u015flay\u0131b. Buna t\u0259l\u0259b d\u0259 var. Banklar riskl\u0259rini \u00f6l\u00e7\u00fcrl\u0259r. Yax\u0131n g\u0259l\u0259c\u0259kd\u0259 ipoteka kreditl\u0259ri il\u0259 ba\u011fl\u0131 ciddi probleml\u0259r olaca\u011f\u0131n\u0131 t\u0259xmin etmirl\u0259r\u201d.<\/p>\n \u201cBank ziyana getmir\u201d<\/strong><\/p>\n \u0130qtisad\u00e7\u0131 Murad Calalov bildirdi ki, daxili ipoteka kreditl\u0259ri banklar \u00fc\u00e7\u00fcn g\u0259lir m\u0259nb\u0259l\u0259rind\u0259n biridir: \u201cBurada h\u0259m ilkin \u00f6d\u0259ni\u015f, h\u0259m d\u0259 faiz g\u0259lirl\u0259ri y\u00fcks\u0259kdir. M\u00fc\u015ft\u0259ri ipoteka kreditini \u00f6d\u0259m\u0259y\u0259nd\u0259 bel\u0259, bank x\u00fcsusi ziyana d\u00fc\u015fm\u00fcr. M\u00fc\u015ft\u0259ri ya evi sat\u0131b bank\u0131n pulunu \u00f6d\u0259yir, ya da \u0259mlak bank\u0131n hesab\u0131na ke\u00e7ir\u201d.<\/p>\n M.Calalov qeyd etdi ki, ipoteka kreditl\u0259\u015fm\u0259sinin indiki kimi \u00e7ox olmas\u0131 hallar\u0131nda \u00f6d\u0259ni\u015fl\u0259rd\u0259 problem yaranmas\u0131 ehtimallar\u0131 da art\u0131r: \u201c10 il \u00f6nc\u0259 bel\u0259 bir d\u00f6n\u0259m olmu\u015fdu. Az qala \u015f\u0259xsiyy\u0259t v\u0259siq\u0259si il\u0259 bel\u0259, evl\u0259ri ipotekaya g\u00f6t\u00fcr\u00fcrd\u00fcl\u0259r. El\u0259 v\u0259ziyy\u0259t yarand\u0131 ki, insanlar\u0131n \u00e7oxu kreditini \u00f6d\u0259y\u0259 bilm\u0259di. Sonra qaydalar s\u0259rtl\u0259\u015fdirildi. \u0130ndi d\u0259 t\u0259qrib\u0259n el\u0259 hal yarana bil\u0259r. \u0130lkin v\u0259 ayl\u0131q \u00f6d\u0259ni\u015f azd\u0131r. H\u0259r n\u00f6v g\u0259lir \u0259ld\u0259 ed\u0259 bil\u0259n insan\u0131n mara\u011f\u0131n\u0131 c\u0259lb edir. Adam g\u0259lirin\u0259 bax\u0131r, g\u00f6r\u00fcr ki, evi g\u00f6t\u00fcrm\u0259y\u0259 imkan verir. Evi alandan bir m\u00fcdd\u0259t sonra x\u0259rcl\u0259r art\u0131r, inflyasiya b\u00f6y\u00fcy\u00fcr, \u00f6d\u0259y\u0259 bilmir. Bu riskl\u0259r d\u0259 var\u201d.<\/p>\n \u201cBanklar\u0131n risk profili n\u0259zar\u0259td\u0259 saxlan\u0131l\u0131r\u201d<\/strong><\/p>\n Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131ndan bildirildi ki, qurum \u201cBanklar haqq\u0131nda\u201d qanuna m\u00fcvafiq olaraq banklar\u0131n v\u0259 xarici banklar\u0131n yerli filiallar\u0131n\u0131n maliyy\u0259 sabitliyini t\u0259min etm\u0259k m\u0259qs\u0259dil\u0259 prudensial normativl\u0259r v\u0259 t\u0259l\u0259bl\u0259r m\u00fc\u0259yy\u0259n edir.\u00a0M\u0259rk\u0259zi Bank\u0131n \u201cKredit riskl\u0259ri, o c\u00fcml\u0259d\u0259n iri kredit riskl\u0259ri il\u0259 ba\u011fl\u0131 prudensial normativ v\u0259 t\u0259l\u0259bl\u0259r\u0259 dair Qayda\u201ds\u0131nda da\u015f\u0131nmaz \u0259mlak kreditl\u0259ri (fiziki \u015f\u0259xsl\u0259r\u0259 \u015f\u0259xsi istehlak m\u0259qs\u0259di il\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n \u0259ld\u0259 edilm\u0259si v\u0259 ya tikintisi \u00fc\u00e7\u00fcn veril\u0259n kredit) \u00fczr\u0259 m\u0259cburi t\u0259l\u0259bl\u0259r m\u00fc\u0259yy\u0259n edilib. Bu t\u0259l\u0259bl\u0259r kreditin t\u0259minata olan nisb\u0259tinin (KTN \u0259msal\u0131) maksimum h\u0259ddin\u0259 v\u0259 kreditl\u0259\u015fm\u0259nin valyutas\u0131na dair t\u0259l\u0259bl\u0259rdir.<\/p>\n KTN \u0259msal\u0131 kreditin \u00fcmumi m\u0259bl\u0259\u011finin (kredit m\u00fcqavil\u0259si \u00fczr\u0259 \u0259sas borc v\u0259 hesablanacaq faizl\u0259r) kredit \u00fczr\u0259 t\u0259minat\u0131n bazar d\u0259y\u0259rin\u0259 nisb\u0259tini ifad\u0259 edir v\u0259 qaydaya \u0259sas\u0259n, bank\u0131n bir borcalan\u0131n\u0131n da\u015f\u0131nmaz \u0259mlak krediti \u00fczr\u0259 kredit riskinin maksimum miqdar\u0131 (KTN \u0259msal\u0131) m\u00fclkiyy\u0259tind\u0259 ya\u015fay\u0131\u015f sah\u0259si olmayan fiziki \u015f\u0259xs\u0259 ya\u015fay\u0131\u015f sah\u0259sinin al\u0131\u015f\u0131 \u00fc\u00e7\u00fcn verildikd\u0259 v\u0259 h\u0259min ya\u015fay\u0131\u015f sah\u0259sinin ipotekas\u0131 il\u0259 t\u0259min edildikd\u0259 85%-d\u0259n, dig\u0259r hallarda 70%-d\u0259n \u00e7ox ola bilm\u0259z. H\u0259m\u00e7inin, qaydaya \u0259sas\u0259n, da\u015f\u0131nmaz \u0259mlak krediti yaln\u0131z milli valyutada verilir. 2023-c\u00fc ild\u0259 banklar \u00f6z hesablar\u0131na 461,4 milyon manat ipoteka krediti veribl\u0259r. 2022-d\u0259 is\u0259 bu r\u0259q\u0259m 422,5 milyon olub. Y\u0259ni\u00a0bir ild\u0259 9,2 faiz art\u0131m var. \u018fslind\u0259, bu kreditl\u0259r\u0259 t\u0259l\u0259b var, banklar\u0131n da proses\u0259 maraql\u0131 olmas\u0131 m\u00fcsb\u0259t hald\u0131r. Ancaq AB\u015e t\u0259cr\u00fcb\u0259sind\u0259 2008-ci ild\u0259 bir \u201cipoteka b\u00f6hran\u0131\u201d da ya\u015fand\u0131. \u00d6lk\u0259mizd\u0259 banklar\u0131n daxili ipoteka kreditl\u0259rini art\u0131rmas\u0131 g\u0259l\u0259c\u0259kd\u0259 onlar \u00fc\u00e7\u00fcn problem yarada bil\u0259rmi? \u201cKaspi\u201d\u00a0q\u0259zetinin m\u00f6vzu il\u0259 ba\u011fl\u0131 m\u0259qal\u0259sind\u0259 deyilir: 750 min manata q\u0259d\u0259r ipoteka krediti \u018fmlak m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Ramil Osmanl\u0131 deyir ki, banklar\u0131n daxili ipoteka kreditl\u0259rini art\u0131rmas\u0131n\u0131n bazara t\u0259siri ciddidir: \u201cBanklar\u0131n daxili ipoteka kreditl\u0259rini…<\/p>\n","protected":false},"author":2,"featured_media":697138,"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\/2024\/03\/FotoJet-6-1.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/FotoJet-6-1.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/FotoJet-6-1.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/FotoJet-6-1-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/FotoJet-6-1-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/FotoJet-6-1.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/FotoJet-6-1.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/FotoJet-6-1.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/FotoJet-6-1-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/03\/FotoJet-6-1.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":"2023-c\u00fc ild\u0259 banklar \u00f6z hesablar\u0131na 461,4 milyon manat ipoteka krediti veribl\u0259r. 2022-d\u0259 is\u0259 bu r\u0259q\u0259m 422,5 milyon olub. Y\u0259ni\u00a0bir ild\u0259 9,2 faiz art\u0131m var. \u018fslind\u0259, bu kreditl\u0259r\u0259 t\u0259l\u0259b var, banklar\u0131n da proses\u0259 maraql\u0131 olmas\u0131 m\u00fcsb\u0259t hald\u0131r. Ancaq AB\u015e t\u0259cr\u00fcb\u0259sind\u0259 2008-ci ild\u0259 bir \u201cipoteka b\u00f6hran\u0131\u201d da ya\u015fand\u0131. \u00d6lk\u0259mizd\u0259 banklar\u0131n daxili ipoteka kreditl\u0259rini art\u0131rmas\u0131 g\u0259l\u0259c\u0259kd\u0259 onlar \u00fc\u00e7\u00fcn…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/697137"}],"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=697137"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/697137\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/697138"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=697137"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=697137"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=697137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<\/p>\n
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<\/p>\n
\nQeyd edildi ki, M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n banklar\u0131n risk profili m\u00fct\u0259madi n\u0259zar\u0259td\u0259 saxlan\u0131l\u0131r v\u0259 riskl\u0259rin s\u0259viyy\u0259sind\u0259n as\u0131l\u0131 olaraq prudensial t\u0259nziml\u0259m\u0259 \u00e7\u0259r\u00e7iv\u0259sin\u0259 d\u0259yi\u015fiklikl\u0259r edilir.<\/p>\n","protected":false},"excerpt":{"rendered":"