{"id":750670,"date":"2024-09-05T10:44:04","date_gmt":"2024-09-05T06:44:04","guid":{"rendered":"https:\/\/arantv.az\/?p=750670"},"modified":"2024-09-05T10:44:04","modified_gmt":"2024-09-05T06:44:04","slug":"ipoteka-il%c9%99-bagli-b%c9%99d-x%c9%99b%c9%99r-bundan-sonra-ev-almaq","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=750670","title":{"rendered":"\u0130poteka il\u0259 ba\u011fl\u0131 B\u018fD X\u018fB\u018fR – Bundan sonra ev almaq…"},"content":{"rendered":"

Xalid K\u0259rimli: \u201cM\u0259rk\u0259zi Bank ehtiyat normalar\u0131n\u0131 0.5 faizd\u0259n 20 faiz\u0259d\u0259k art\u0131rd\u0131, buna g\u00f6r\u0259…\u201d<\/strong><\/p>\n

Bu ilin II r\u00fcb\u00fcnd\u0259 Az\u0259rbaycanda ipoteka kreditl\u0259ri \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259 m\u00fc\u015fahid\u0259 edilib.<\/p>\n

Bu bar\u0259d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) \u201cKreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259tin\u0259 dair sor\u011fu\u201dsunda bildirilib. M\u0259lumata g\u00f6r\u0259, s\u0259rtl\u0259\u015fm\u0259 banklar\u0131n daxili resurslar hesab\u0131na veril\u0259n ipoteka kreditl\u0259ri \u00fczr\u0259 olub. \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu (\u0130KZF) hesab\u0131na veril\u0259n ipoteka kreditl\u0259ri \u00fczr\u0259 standartlarda d\u0259yi\u015fiklik olmay\u0131b. Banklar III r\u00fcbd\u0259 d\u0259 daxili ipoteka il\u0259 veril\u0259n kreditl\u0259r \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259nin davam ed\u0259c\u0259yini g\u00f6zl\u0259yir.<\/p>\n

\u201cII r\u00fcbd\u0259 c\u0259mi ipoteka kreditl\u0259rin\u0259 t\u0259l\u0259b azal\u0131b. Respondentl\u0259r\u0259 g\u00f6r\u0259 t\u0259l\u0259bd\u0259ki azalman\u0131n \u0259sas s\u0259b\u0259bi daxili ipoteka kreditl\u0259ri olub. Eyni zamanda banklar\u0131n \u0130KZF hesab\u0131na verilmi\u015f ipoteka kreditl\u0259ri \u00fczr\u0259 t\u0259l\u0259b I r\u00fcb\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 azal\u0131b. Banklar n\u00f6vb\u0259ti r\u00fcbd\u0259 d\u0259 ipoteka kreditl\u0259rin\u0259, o c\u00fcml\u0259d\u0259n daxili ipoteka kreditl\u0259rin\u0259 t\u0259l\u0259bin azalaca\u011f\u0131n\u0131 proqnozla\u015fd\u0131r\u0131r\u201d, – sor\u011fuda qeyd edilib.<\/p>\n

Banklar\u0131n sor\u011fuda qeyd etdiyi cavablara g\u00f6r\u0259 ipoteka kreditl\u0259ri \u00fczr\u0259 standartlara maliyy\u0259l\u0259\u015fm\u0259nin d\u0259y\u0259ri, dig\u0259r banklarla r\u0259qab\u0259t, da\u015f\u0131nmaz \u0259mlak bazar\u0131ndak\u0131 v\u0259ziyy\u0259t, banklar\u0131n kapital v\u0259 likvidlik m\u00f6vqeyi s\u0259rtl\u0259\u015fdirici t\u0259sir g\u00f6st\u0259r\u0259n faktorlard\u0131r.<\/strong><\/p>\n

Xat\u0131rladaq ki, bu ilin yanvar-iyul aylar\u0131nda \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun x\u0259tti il\u0259 280,4 milyon manat kredit verilib. Bu, \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 0,3 % \u00e7oxdur. Hesabat d\u00f6vr\u00fcnd\u0259 fondun yenid\u0259n maliyy\u0259l\u0259\u015fdirdiyi kreditl\u0259rin m\u0259bl\u0259\u011fi is\u0259 7% azalaraq 246,2 milyon manat olub.<\/p>\n

Qeyd ed\u0259k ki, ild\u0259n-il\u0259 v\u0259t\u0259nda\u015flar\u0131n ev \u0259ld\u0259 etm\u0259sind\u0259 probleml\u0259r ya\u015fan\u0131r. N\u0259z\u0259r\u0259 alsaq ki, Bak\u0131da m\u0259nzil qiym\u0259tl\u0259rinin ilin \u0259vv\u0259lind\u0259n bu g\u00fcn\u0259 q\u0259d\u0259r bahala\u015fmas\u0131 bir t\u0259r\u0259fd\u0259n, dig\u0259r t\u0259r\u0259fd\u0259n d\u0259 v\u0259t\u0259nda\u015flar ipoteka il\u0259 ev almaqda \u00e7\u0259tinlik \u00e7\u0259kirl\u0259r. Odur ki, ild\u0259n-il\u0259 ipoteka krediti g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259nl\u0259rin say\u0131 azal\u0131r. \u018fhali bunun s\u0259b\u0259bini ipoteka kreditl\u0259rinin \u015f\u0259rtl\u0259rinin a\u011f\u0131r olmas\u0131 v\u0259 h\u0259r k\u0259s\u0259 \u015famil edilm\u0259m\u0259si, el\u0259c\u0259 d\u0259 bir s\u0131ra m\u0259hdudiyy\u0259tl\u0259rin t\u0259tbiq edilm\u0259si il\u0259 \u0259laq\u0259l\u0259ndirir. \u0130poteka kreditinin al\u0131nmas\u0131nda \u0259sas mane\u0259 ya\u015fla ba\u011fl\u0131d\u0131r. Bel\u0259 ki, ya\u015f\u0131 45-50-d\u0259n 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.<\/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 g\u00f6st\u0259rilir. Bu s\u0259b\u0259bd\u0259n d\u0259 \u0259ks\u0259r vaxtlarda \u0259hali daxili kreditl\u0259 ev alma\u011fa \u00fcst\u00fcnl\u00fck verir. Bu zaman is\u0259 illik kredit faizl\u0259ri y\u00fcks\u0259k olur.<\/p>\n

Daxili ipoteka kreditl\u0259ri \u00fczr\u0259 standartlar\u0131n s\u0259rtl\u0259\u015fm\u0259si v\u0259 t\u0259l\u0259bin azalmas\u0131\u00a0 n\u0259 il\u0259 ba\u011fl\u0131d\u0131r? V\u0259t\u0259nda\u015flar n\u0259 zaman normal \u015f\u0259rtl\u0259rl\u0259 ipoteka il\u0259 ev ala bil\u0259c\u0259kl\u0259r?<\/strong><\/p>\n

\"Xalid<\/strong><\/p>\n

Xalid K\u0259rimli<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131-ekspert Xalid K\u0259rimli m\u00f6vzu il\u0259 ba\u011fl\u0131 \u201cYeni M\u00fcsavat\u201da fikirl\u0259rini deyib: \u201cS\u0259rtl\u0259\u015fm\u0259 dedikd\u0259 burada faiz d\u0259r\u0259c\u0259sinin art\u0131m\u0131 v\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131n azalmas\u0131ndan s\u00f6hb\u0259t gedir. Bel\u0259 ki, kredit faizl\u0259rind\u0259 d\u0259yi\u015fiklik olmay\u0131b, \u0259vv\u0259lki qaydada – 8 faiz d\u00f6vl\u0259t t\u0259r\u0259find\u0259n veril\u0259n ipoteka kreditl\u0259ridir. Kommersiya, adi kreditl\u0259r 8 faiz, g\u00fcz\u0259\u015ftli kreditl\u0259r is\u0259 4 faizdir. H\u0259tta 0.3 faiz art\u0131m da var. Amma yenid\u0259n maliyy\u0259l\u0259\u015fdiyi m\u0259bl\u0259\u011fd\u0259 azalma var. Dem\u0259k olar ki, \u015f\u0259rtl\u0259r stabil qal\u0131b. H\u0259m verilm\u0259 h\u0259cmi, h\u0259m d\u0259 \u015f\u0259rtl\u0259ri \u00f6t\u0259n il kimi eyni qal\u0131b. Amma \u0259sas\u0259n kommersiya kreditl\u0259rinin \u00f6z hesablar\u0131nda s\u0259rtl\u0259\u015fm\u0259 ba\u015f verib. Ke\u00e7\u0259n il bu vaxt \u0259n aktiv i\u015ftirak\u00e7\u0131 olan Beyn\u0259lxalq Bank ipoteka kreditl\u0259rini 8-9 faiz\u0259 verdiyi halda bu il 10-12 faiz\u0259 verir. Y\u0259ni 2 faiz\u0259 q\u0259d\u0259r bu il art\u0131m var. S\u0259b\u0259b n\u0259dir? Baxmayaraq ki, M\u0259rk\u0259zi Bank faiz d\u0259r\u0259c\u0259l\u0259rini a\u015fa\u011f\u0131 sal\u0131r, amma ke\u00e7\u0259n ilin dekabr ay\u0131nda m\u0259cburi ehtiyat normalar\u0131n\u0131 0.5 faizd\u0259n 20 faiz\u0259d\u0259k art\u0131rd\u0131. Y\u0259ni banklar\u0131n c\u0259lb etdiyi depozitl\u0259r\u0259 g\u00f6r\u0259, eyni zamanda cari hesablardak\u0131 v\u0259saitl\u0259r\u0259 g\u00f6r\u0259 banklar\u0131n M\u0259rk\u0259zi Bankda saxlamal\u0131 oldu\u011fu m\u0259cburi ehtiyat normas\u0131n\u0131 k\u0259skin art\u0131rd\u0131. \u018fvv\u0259ll\u0259r bu dem\u0259k olar ki, yox s\u0259viyy\u0259sind\u0259 idi. \u0130ndi 20 faiz art\u0131randan sonra, misal \u00fc\u00e7\u00fcn, banklar 100 manat \u0259ld\u0259 edirl\u0259rs\u0259, onun 50 manat\u0131n\u0131 M\u0259rk\u0259zi Banka saxlamal\u0131d\u0131rlar. Bu banklar\u0131n faiz x\u0259rcl\u0259rinin artmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131b. Bir s\u00f6zl\u0259, pulun d\u0259y\u0259ri art\u0131b. Bu da ipoteka kreditl\u0259rinin \u015f\u0259rtl\u0259rin\u0259 t\u0259sir edir. \u00c7\u00fcnki banklar\u0131n resurslar\u0131n\u0131n h\u0259cmi azal\u0131r, ikincisi d\u0259 d\u0259y\u0259ri art\u0131r. Bu da \u00f6t\u00fcr\u00fcl\u00fcr \u0259halinin \u00fcst\u00fcn\u0259, ipoteka kreditl\u0259rinin faizl\u0259rin\u0259 t\u0259sir g\u00f6st\u0259rir. \u018fsas s\u0259b\u0259b ondan ibar\u0259tdir. T\u0259kc\u0259 ipoteka kreditl\u0259ri yox, dig\u0259r kreditl\u0259rin faiz d\u0259r\u0259c\u0259sind\u0259 d\u0259 art\u0131m var. M\u0259rk\u0259zi Bank\u0131n atd\u0131\u011f\u0131 bu add\u0131m\u0131n n\u0259tic\u0259sind\u0259 pulun d\u0259y\u0259rind\u0259 art\u0131m olub, faiz d\u0259r\u0259c\u0259l\u0259ri art\u0131b, biz bunu hiss edirik\u201d.<\/p>\n

Ekspert \u0259lav\u0259 edib ki, banklar g\u00fcz\u0259\u015ft etm\u0259m\u0259lidirl\u0259r:<\/strong>\u00a0\u201cR\u0259qab\u0259t bunu banklara m\u0259cbur etm\u0259lidir. Banklar humanitar t\u0259\u015fkilat deyil, kommersiya qurumlar\u0131d\u0131r. Bunu n\u0259 c\u0259miyy\u0259tin ist\u0259m\u0259sin\u0259 etik \u0259sas\u0131 var, n\u0259 d\u0259 d\u00f6vl\u0259tin bunu M\u0259rk\u0259zi Bankdan t\u0259l\u0259b etm\u0259si do\u011frudur. Bank\u0131n mara\u011f\u0131nda deyil ki, kims\u0259 ev als\u0131n. Bank\u0131n mara\u011f\u0131ndad\u0131r ki, verdiyi pulu faizi il\u0259 qrafik \u00fczr\u0259 geri als\u0131n\u201d.<\/p>\n

Qeyd ed\u0259k ki, 2021-ci ilin yanvar-iyul aylar\u0131nda \u0130poteka v\u0259 Kredit Z\u0259man\u0259ti 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.<\/strong><\/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 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

Afaq M\u0130RAY\u0130Q,<\/strong>
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Xalid K\u0259rimli: \u201cM\u0259rk\u0259zi Bank ehtiyat normalar\u0131n\u0131 0.5 faizd\u0259n 20 faiz\u0259d\u0259k art\u0131rd\u0131, buna g\u00f6r\u0259…\u201d Bu ilin II r\u00fcb\u00fcnd\u0259 Az\u0259rbaycanda ipoteka kreditl\u0259ri \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259 m\u00fc\u015fahid\u0259 edilib. Bu bar\u0259d\u0259 Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) \u201cKreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259tin\u0259 dair sor\u011fu\u201dsunda bildirilib. M\u0259lumata g\u00f6r\u0259, s\u0259rtl\u0259\u015fm\u0259 banklar\u0131n daxili resurslar hesab\u0131na veril\u0259n ipoteka kreditl\u0259ri \u00fczr\u0259 olub. \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu (\u0130KZF) hesab\u0131na veril\u0259n ipoteka kreditl\u0259ri \u00fczr\u0259 standartlarda d\u0259yi\u015fiklik olmay\u0131b. Banklar III r\u00fcbd\u0259 d\u0259 daxili ipoteka il\u0259 veril\u0259n kreditl\u0259r \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259nin davam ed\u0259c\u0259yini g\u00f6zl\u0259yir. \u201cII r\u00fcbd\u0259 c\u0259mi ipoteka kreditl\u0259rin\u0259 t\u0259l\u0259b azal\u0131b. 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