{"id":760459,"date":"2024-10-11T12:41:27","date_gmt":"2024-10-11T08:41:27","guid":{"rendered":"https:\/\/arantv.az\/?p=760459"},"modified":"2024-10-11T12:41:27","modified_gmt":"2024-10-11T08:41:27","slug":"ipoteka-fondu-1-milyard-68-milyonu-nec%c9%99-x%c9%99rcl%c9%99y%c9%99c%c9%99k","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=760459","title":{"rendered":"\u0130poteka Fondu 1 milyard 68 milyonu nec\u0259 x\u0259rcl\u0259y\u0259c\u0259k?"},"content":{"rendered":"<p><strong>Ekspertl\u0259r hesab edir ki, kreditl\u0259rin \u00e7oxalmas\u0131 m\u0259nzil bazar\u0131nda ucuzla\u015fmaya, daha \u00e7ox v\u0259t\u0259nda\u015f\u0131n g\u00fcz\u0259\u015ftli ipoteka krediti g\u00f6t\u00fcrm\u0259sin\u0259 s\u0259b\u0259b ola bil\u0259r<\/strong><\/p>\n<p>\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun Nizamnam\u0259sind\u0259 d\u0259yi\u015fiklik edilib. Prezident \u0130lham \u018fliyev bununla ba\u011fl\u0131 f\u0259rman imzalay\u0131b. F\u0259rmana \u0259sas\u0259n, fondun nizamnam\u0259 kapital\u0131 art\u0131r\u0131l\u0131b. Fondun nizamnam\u0259 kapital\u0131 980 milyon 700 min manatdan 1 milyard 68 milyon 400 min manata qald\u0131r\u0131l\u0131b.<\/p>\n<p>Xat\u0131rladaq ki, fond 2017-ci ilin sonunda \u201cAz\u0259rbaycan \u0130poteka Fondu\u201d v\u0259 \u201cKredit Z\u0259man\u0259t Fondu\u201d ASC-l\u0259rin birl\u0259\u015fm\u0259si n\u0259tic\u0259sind\u0259 yarad\u0131l\u0131b v\u0259 onlar\u0131n h\u00fcquqi varisidir. Fond milli maliyy\u0259 t\u0259sisatlar\u0131na uzunm\u00fcdd\u0259tli subsidiyala\u015fd\u0131r\u0131lm\u0131\u015f ipoteka kreditl\u0259rinin verilm\u0259si v\u0259 ucuz maliyy\u0259 resurslar\u0131na \u00e7\u0131x\u0131\u015f\u0131n t\u0259min edilm\u0259si il\u0259 ba\u011fl\u0131 likvidlik d\u0259st\u0259yini ver\u0259n d\u00f6vl\u0259t agenti kimi f\u0259aliyy\u0259t g\u00f6st\u0259rir.<\/p>\n<p>Fonddan veril\u0259n m\u0259lumata g\u00f6r\u0259, 2024-c\u00fc ilin yanvar-sentyabr aylar\u0131nda fondun v\u0259saiti hesab\u0131na 365,6 milyon manat ipoteka krediti verilib ki, onun da 66,5 milyon manat\u0131n\u0131 g\u00fcz\u0259\u015ftli ipoteka kreditl\u0259ri t\u0259\u015fkil edir.<\/p>\n<p>\u0130lin \u0259vv\u0259lind\u0259n adi ipoteka kreditl\u0259ri hesab\u0131na 3017, g\u00fcz\u0259\u015ftli ipoteka kreditl\u0259ri hesab\u0131na is\u0259 844 ail\u0259 \u00f6z\u00fcn\u00fcn m\u0259nzil \u015f\u0259raitini yax\u015f\u0131la\u015fd\u0131r\u0131b.<\/p>\n<p>2024-c\u00fc ilin \u00f6t\u0259n d\u00f6vr\u00fcnd\u0259 verilmi\u015f ipoteka kreditl\u0259rinin orta m\u0259bl\u0259\u011fi 94 683 manat t\u0259\u015fkil edib.<\/p>\n<p>\u00dcmumilikd\u0259 indiy\u0259d\u0259k fondun v\u0259saiti hesab\u0131na 3,2 milyard manat d\u0259y\u0259rind\u0259 ipoteka krediti verilib ki, bu da 51 710 ail\u0259nin m\u0259nzil \u015f\u0259raitini yax\u015f\u0131la\u015fd\u0131rmas\u0131na imkan verib.<\/p>\n<p><strong>B\u0259s nizamnam\u0259 kapital\u0131n\u0131n art\u0131r\u0131lmas\u0131 ipoteka g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259nl\u0259r \u00fc\u00e7\u00fcn n\u0259 v\u0259d edir?<\/strong><\/p>\n<p><strong><img loading=\"lazy\" src=\"https:\/\/images.oxu.az\/2022\/04\/08\/10\/55\/16\/51559fe8-728f-4b6f-a3f4-44ad7120221a\/FotoJet%20(81):1200.jpg\" alt=\"El\u00e7in Bayraml\u0131: \u201cR\u00fc\u015fv\u0259tsiz c\u0259miyy\u0259t bu g\u00fcn\u0259 q\u0259d\u0259r olmay\u0131b, olmayacaq da\u201d -  Oxu.az\" width=\"800\" height=\"533\" \/><\/strong><\/p>\n<p><strong>El\u00e7in Bayraml\u0131<\/strong><\/p>\n<p><strong>Sosioloq El\u00e7in Bayraml\u0131 deyir ki, son ill\u0259r v\u0259t\u0259nda\u015flar\u0131n ipoteka il\u0259 ev almas\u0131 m\u00fc\u015fk\u00fcl\u0259 \u00e7evrilib:<\/strong>\u00a0 \u201cN\u0259inki az imkanl\u0131 ail\u0259l\u0259r, he\u00e7 orta t\u0259b\u0259q\u0259nin bel\u0259 ipoteka g\u00f6t\u00fcrm\u0259k imkanlar\u0131 a\u015fa\u011f\u0131d\u0131r. Az\u0259rbaycanda orta \u0259m\u0259k haqq\u0131 m\u0259lumdur, r\u0259smi g\u00f6st\u0259ricil\u0259r\u0259 g\u00f6r\u0259 800-900 manat civar\u0131ndad\u0131r. Bu da ail\u0259nin g\u00fccl\u0259 dolanmas\u0131n\u0131 t\u0259min ed\u0259 bil\u0259r. Bu ipoteka xalq \u00fc\u00e7\u00fcn deyil. Bu, sad\u0259c\u0259, \u0259halinin 5-10% imkanl\u0131 t\u0259b\u0259q\u0259sinin ev almas\u0131n\u0131 \u015f\u0259rtl\u0259ndir\u0259n sistemdir. M\u00fcxt\u0259lif \u00f6lk\u0259l\u0259rd\u0259 sosial evl\u0259r layih\u0259si var. Bizd\u0259 d\u0259 sosial evl\u0259r el\u0259 bu formada oldu. Adi insanlar\u0131n bunu almaq imkan\u0131 yoxdur. Faizl\u0259r, \u015f\u0259rtl\u0259r, t\u0259l\u0259bl\u0259r \u00e7ox y\u00fcks\u0259kdir. N\u0259tic\u0259d\u0259 d\u0259 el\u0259 \u00f6lk\u0259d\u0259 evl\u0259ri bir qrup imkanl\u0131 \u015f\u0259xsl\u0259r al\u0131r. Onlar onlarla, y\u00fczl\u0259rl\u0259 evl\u0259r al\u0131r v\u0259 bunu biznes m\u0259qs\u0259di \u00fc\u00e7\u00fcn istifad\u0259 edirl\u0259r. M\u0259s\u0259l\u0259n, kiray\u0259 verirl\u0259r. N\u0259inki g\u0259nc ail\u0259l\u0259r, g\u00f6r\u00fcrs\u0259n ki, 20-40 illik ail\u0259l\u0259r bel\u0259 kiray\u0259l\u0259rd\u0259 ya\u015fay\u0131r v\u0259 he\u00e7 vaxt ev ala bilmir. Bug\u00fcnk\u00fc reall\u0131qda praktiki olaraq bu m\u00fcmk\u00fcn deyil, \u00e7\u00fcnki d\u00fcnyada \u0259n baha evl\u0259r Az\u0259rbaycandad\u0131r. Baha deyil\u0259rk\u0259n pul nisb\u0259tind\u0259 g\u00f6t\u00fcr\u00fclm\u00fcr. Ola bil\u0259r qiym\u0259t nisb\u0259tind\u0259 bizd\u0259n d\u0259 baha \u00f6lk\u0259l\u0259r var. Amma orada pensiya m\u0259bl\u0259\u011fin\u0259 n\u0259z\u0259r\u0259n h\u0259r \u015fey bel\u0259 g\u00f6t\u00fcr\u00fclm\u0259lidir. Y\u0259ni v\u0259t\u0259nda\u015f ne\u00e7\u0259 ayl\u0131q maa\u015f\u0131na ev ala bilir. M\u0259s\u0259l\u0259n, bizd\u0259 bu 100 ayd\u0131rsa, ba\u015fqa \u00f6lk\u0259d\u0259 t\u0259xmin\u0259n 20 ayd\u0131r. \u0130poteka kreditl\u0259ri bir \u00e7ox \u00f6lk\u0259l\u0259rd\u0259 1-2 faizl\u0259 verilir. B\u0259zi \u00f6lk\u0259l\u0259rd\u0259 h\u0259tta 0,5 faizl\u0259dir. Bizd\u0259 is\u0259 bundan d\u0259f\u0259l\u0259rl\u0259 y\u00fcks\u0259kdir. Banklar da s\u0259rb\u0259st ipotekada \u00f6z bildikl\u0259rini edirl\u0259r. N\u0259tic\u0259d\u0259 evsizlik problemi \u00e7oxal\u0131r\u201d.<\/p>\n<p><img src=\"https:\/\/i0.wp.com\/www.bayraqdar.info\/wp-content\/uploads\/2022\/04\/vuqar.jpg?fit=800%2C536&amp;ssl=1\" alt=\"V\u00fcqar Bayramov: Prosesl\u0259r d\u00fcnya enerji bazar\u0131na t\u0259sirsiz \u00f6t\u00fc\u015fm\u0259y\u0259c\u0259k \u2013  BAYRAQDAR MED\u0130A\" \/><\/p>\n<p><strong>V\u00fcqar Bayramov\u00a0<\/strong><\/p>\n<p>\u0130qtisad\u00e7\u0131 mill\u0259t v\u0259kili V\u00fcqar Bayramov m\u00f6vzu il\u0259 ba\u011fl\u0131 \u201cYeni M\u00fcsavat\u201da deyib ki,\u00a0 nizamnam\u0259 kapital\u0131n\u0131n art\u0131r\u0131lmas\u0131 ipoteka g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259nl\u0259r \u00fc\u00e7\u00fcn f\u00fcrs\u0259t yarad\u0131r: \u201cD\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n ayr\u0131lan bu v\u0259saitl\u0259r sosial ipoteka kreditl\u0259rinin maliyy\u0259l\u0259\u015fdirilm\u0259si \u00fc\u00e7\u00fcn istifad\u0259 olunur.<\/p>\n<p><strong>B\u00fct\u00f6vl\u00fckd\u0259, fondun nizamnam\u0259 kapital\u0131 artd\u0131qca daha \u00e7ox ipoteka kreditl\u0259rinin t\u0259klifi m\u00fcmk\u00fcn olur. Bu eyni zamanda g\u00fcz\u0259\u015ftli \u015f\u0259rtl\u0259rl\u0259 kreditl\u0259rin portfelini d\u0259 geni\u015fl\u0259ndirir. Dem\u0259li, bu h\u0259m\u00e7inin daha \u00e7ox v\u0259t\u0259nda\u015flar\u0131m\u0131z \u00fc\u00e7\u00fcn g\u00fcz\u0259\u015ftli ipoteka krediti g\u00f6t\u00fcrm\u0259k imkan\u0131 dem\u0259kdir&#8221;.<\/strong><\/p>\n<p><strong><img src=\"https:\/\/news24.az\/uploads\/posts\/2022-04\/1650646239_xalid_kerimli1.jpg\" alt=\"Pensiya ya\u015f\u0131n\u0131n art\u0131r\u0131lmas\u0131 t\u0259l\u0259sik add\u0131m idi, indi...\u201d \u2013 Xalid K\u0259rimli\" \/><\/strong><\/p>\n<p><strong>Xalid K\u0259rimli\u00a0<\/strong><\/p>\n<p><strong>\u0130qtisad\u00e7\u0131 Xalid K\u0259rimli d\u0259 m\u00f6vzu il\u0259 ba\u011fl\u0131 \u201cYeni M\u00fcsavat\u201da deyib ki, \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun resurslar\u0131n\u0131n imkanlar\u0131n\u0131n geni\u015fl\u0259ndirilm\u0259si qurumun ipoteka verm\u0259k imkanlar\u0131n\u0131 geni\u015fl\u0259ndirir:<\/strong>\u00a0\u201c\u0130ndi kommersiya banklar\u0131n\u0131n \u00e7oxu kredit verir. Misal \u00fc\u00e7\u00fcn, m\u00fcxt\u0259lif layih\u0259l\u0259r \u00fczr\u0259 Beyn\u0259lxalq Bank m\u00fcxt\u0259lif iri layih\u0259l\u0259r \u00fczr\u0259 MTK-larla \u0259m\u0259kda\u015fl\u0131q \u00e7\u0259r\u00e7iv\u0259sind\u0259 kredit verir. Amma d\u00f6vl\u0259tin verdiyi kreditl\u0259 m\u00fcqayis\u0259d\u0259 bu banklar\u0131n verdiyi kreditl\u0259rin faizl\u0259ri bir q\u0259d\u0259r y\u00fcks\u0259kdir. D\u00f6vl\u0259t kommersiya t\u0259yinatl\u0131 ipoteka kreditini maksimum 7-8 faiz\u0259 verir. Amma kommersiya banklar\u0131nda bu 10-11 faizdir. H\u0259m d\u0259 d\u00f6vl\u0259t kreditl\u0259ri daha uzunm\u00fcdd\u0259tli verir. Y\u0259ni \u0130poteka Fondunun daha \u00e7ox resursunun olmas\u0131 daha \u00e7ox kredit verm\u0259k imkan\u0131n\u0131 art\u0131r\u0131r. Sosial ipotekada is\u0259 bu, 4 faizdir. Bu il ipoteka kreditinin verilm\u0259sini banklar birba\u015fa t\u0259nziml\u0259mirl\u0259r. Orada elektron \u015f\u0259ffafl\u0131q yarad\u0131blar. \u0130poteka Fondunun \u00f6z sayt\u0131ndan girib v\u0259sait varsa, v\u0259t\u0259nda\u015f \u00f6z\u00fc bron ed\u0259 bilir. \u0130ki ay \u0259vv\u0259l yoxlamaq ist\u0259dim ki, ipoteka resursu var, ya yox, g\u00f6rd\u00fcm ki, v\u0259sait yoxdur. Bu da onu g\u00f6st\u0259rir ki, h\u0259tta \u0130poteka Fondunun kommersiya t\u0259yinatl\u0131 kreditl\u0259rin\u0259 d\u0259 bazarda t\u0259l\u0259b var. \u0130nsanlar maraql\u0131d\u0131rlar ki, kreditl\u0259 m\u0259nzil als\u0131nlar. F\u0259rmanla tan\u0131\u015fam, orada deyilir ki, 2024-c\u00fc il \u0130poteka Fonduna veril\u0259n v\u0259sait nizamnam\u0259 kapital\u0131n\u0131n art\u0131r\u0131lmas\u0131na y\u00f6n\u0259lib. D\u00f6vl\u0259t bunu \u0130poteka Fonduna Maliyy\u0259 Nazirliyi t\u0259r\u0259find\u0259n borc \u015f\u0259klind\u0259 vermir. Pul nizamnam\u0259 kapital\u0131n\u0131n art\u0131r\u0131lmas\u0131 \u015f\u0259klind\u0259 verilir ki, \u0130poteka Fondunun ipoteka verm\u0259k imkanlar\u0131 geni\u015fl\u0259nsin. Bu m\u0259nada m\u00fcsb\u0259tdir. Amma bunun bir m\u0259nfi t\u0259r\u0259fi d\u0259 odur ki, bu c\u00fcr kreditl\u0259rin \u00e7oxalmas\u0131 m\u0259nzil bazar\u0131nda bahala\u015fmaya t\u0259sir g\u00f6st\u0259r\u0259n amildir. \u00c7\u00fcnki insanlar b\u00f6y\u00fck m\u0259bl\u0259\u011fl\u0259ri tam olaraq bird\u0259n-bir\u0259 \u0259ll\u0259rind\u0259 formala\u015fd\u0131rmaqda \u00e7\u0259tinlik \u00e7\u0259kirl\u0259r. \u0130poteka krediti burada \u0259lav\u0259 t\u0259l\u0259b yarad\u0131r. Bu da qiym\u0259tl\u0259ri art\u0131ran faktorlardan biridir. H\u0259cmin artmas\u0131 yax\u015f\u0131d\u0131r, insanlar\u0131n kredit\u0259 \u00e7\u0131x\u0131\u015f\u0131 art\u0131r ki, kredit g\u00f6t\u00fcrm\u0259k ist\u0259y\u0259nl\u0259r kredit g\u00f6t\u00fcrs\u00fcn. Amma \u0259vv\u0259ld\u0259 dediyim kimi, kreditin geni\u015fl\u0259nm\u0259si qiym\u0259tl\u0259rin y\u00fcks\u0259lm\u0259sin\u0259 t\u0259sirini g\u00f6st\u0259rir. \u00c7\u00fcnki t\u0259l\u0259b yarad\u0131r\u201d.<\/p>\n<p>Qeyd ed\u0259k ki, \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu Qafqaz regionunun ilk ipoteka bazar\u0131 operatorudur. Fond 2005-ci ild\u0259 Prezident \u0130lham \u018fliyevin f\u0259rman\u0131 il\u0259 yarad\u0131l\u0131b v\u0259 2006-c\u0131 ilin mart ay\u0131ndan \u00f6lk\u0259d\u0259 uzunm\u00fcdd\u0259tli ipoteka kreditl\u0259rinin verilm\u0259sin\u0259 ba\u015flan\u0131l\u0131b. 2024-c\u00fc ilin ilk r\u00fcb\u00fcnd\u0259 verilmi\u015f ipoteka kreditl\u0259rinin m\u0259bl\u0259\u011fi \u00fczr\u0259 orta g\u00f6st\u0259rici t\u0259xmin\u0259n 8 9000 manat, al\u0131nan ya\u015fay\u0131\u015f sah\u0259sinin qiym\u0259ti \u00fczr\u0259 131 000 manat t\u0259\u015fkil edib. Regionlarda bu m\u0259bl\u0259\u011f orta g\u00f6st\u0259ricid\u0259n bir q\u0259d\u0259r d\u0259 a\u015fa\u011f\u0131d\u0131r. T\u0259kc\u0259 son \u00fc\u00e7 ild\u0259 1,2 milyard manatdan \u00e7ox ipoteka krediti verilib ki, bu da 16 400-\u0259 yax\u0131n ail\u0259nin m\u0259nzil \u015f\u0259raitini yax\u015f\u0131la\u015fd\u0131rma\u011fa imkan verib. Haz\u0131rda fondun v\u0259saiti hesab\u0131na m\u00fcv\u0259kkil banklar h\u0259m adi, h\u0259m d\u0259 g\u00fcz\u0259\u015ftli ipoteka kreditl\u0259rinin verilm\u0259sini h\u0259yata ke\u00e7irir. Adi ipoteka kreditl\u0259ri \u00fczr\u0259 maksimal m\u0259bl\u0259\u011f 150 000 manat, maksimal m\u00fcdd\u0259t 300 ay, illik faiz d\u0259r\u0259c\u0259si 8%, g\u00fcz\u0259\u015ftli ipoteka kreditl\u0259ri \u00fczr\u0259 maksimal m\u0259bl\u0259\u011f is\u0259 100 000 manat, maksimal m\u00fcdd\u0259t 360 ay, illik faiz d\u0259r\u0259c\u0259si is\u0259 4% t\u0259\u015fkil edir.<\/p>\n<p>Adi ipoteka kreditl\u0259ri fondun daxili maliyy\u0259 bazarlar\u0131ndan c\u0259lb etdiyi, g\u00fcz\u0259\u015ftli ipoteka kreditl\u0259ri is\u0259 d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n ayr\u0131lm\u0131\u015f v\u0259saitl\u0259r hesab\u0131na verilir.<\/p>\n<p><strong>Afaq M\u0130RAY\u0130Q,<\/strong><br \/>\n<strong>\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ekspertl\u0259r hesab edir ki, kreditl\u0259rin \u00e7oxalmas\u0131 m\u0259nzil bazar\u0131nda ucuzla\u015fmaya, daha \u00e7ox v\u0259t\u0259nda\u015f\u0131n g\u00fcz\u0259\u015ftli ipoteka krediti g\u00f6t\u00fcrm\u0259sin\u0259 s\u0259b\u0259b ola bil\u0259r \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun Nizamnam\u0259sind\u0259 d\u0259yi\u015fiklik edilib. Prezident \u0130lham \u018fliyev bununla ba\u011fl\u0131 f\u0259rman imzalay\u0131b. F\u0259rmana \u0259sas\u0259n, fondun nizamnam\u0259 kapital\u0131 art\u0131r\u0131l\u0131b. Fondun nizamnam\u0259 kapital\u0131 980 milyon 700 min manatdan 1 milyard 68 milyon 400 min manata qald\u0131r\u0131l\u0131b. Xat\u0131rladaq ki, fond 2017-ci ilin sonunda \u201cAz\u0259rbaycan \u0130poteka Fondu\u201d v\u0259 \u201cKredit Z\u0259man\u0259t Fondu\u201d ASC-l\u0259rin birl\u0259\u015fm\u0259si n\u0259tic\u0259sind\u0259 yarad\u0131l\u0131b v\u0259 onlar\u0131n h\u00fcquqi varisidir. Fond milli maliyy\u0259 t\u0259sisatlar\u0131na uzunm\u00fcdd\u0259tli subsidiyala\u015fd\u0131r\u0131lm\u0131\u015f ipoteka kreditl\u0259rinin verilm\u0259si v\u0259 ucuz maliyy\u0259 resurslar\u0131na&hellip;<\/p>\n","protected":false},"author":2,"featured_media":760460,"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\/10\/c482603e275e21dd03f431a962c18f9f.jpg",768,403,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/c482603e275e21dd03f431a962c18f9f.jpg",768,403,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/c482603e275e21dd03f431a962c18f9f.jpg",768,403,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/c482603e275e21dd03f431a962c18f9f-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/c482603e275e21dd03f431a962c18f9f-660x346.jpg",660,346,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/c482603e275e21dd03f431a962c18f9f.jpg",640,336,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/c482603e275e21dd03f431a962c18f9f.jpg",768,403,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/c482603e275e21dd03f431a962c18f9f.jpg",768,403,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/c482603e275e21dd03f431a962c18f9f-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/10\/c482603e275e21dd03f431a962c18f9f.jpg",768,403,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=19\" rel=\"category\">G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Ekspertl\u0259r hesab edir ki, kreditl\u0259rin \u00e7oxalmas\u0131 m\u0259nzil bazar\u0131nda ucuzla\u015fmaya, daha \u00e7ox v\u0259t\u0259nda\u015f\u0131n g\u00fcz\u0259\u015ftli ipoteka krediti g\u00f6t\u00fcrm\u0259sin\u0259 s\u0259b\u0259b ola bil\u0259r \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun Nizamnam\u0259sind\u0259 d\u0259yi\u015fiklik edilib. Prezident \u0130lham \u018fliyev bununla ba\u011fl\u0131 f\u0259rman imzalay\u0131b. F\u0259rmana \u0259sas\u0259n, fondun nizamnam\u0259 kapital\u0131 art\u0131r\u0131l\u0131b. Fondun nizamnam\u0259 kapital\u0131 980 milyon 700 min manatdan 1 milyard 68 milyon 400 min manata&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/760459"}],"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=760459"}],"version-history":[{"count":2,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/760459\/revisions"}],"predecessor-version":[{"id":760462,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/760459\/revisions\/760462"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/760460"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=760459"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=760459"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=760459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}