{"id":789415,"date":"2025-02-22T18:47:00","date_gmt":"2025-02-22T14:47:00","guid":{"rendered":"https:\/\/arantv.az\/?p=789415"},"modified":"2025-02-22T18:47:00","modified_gmt":"2025-02-22T14:47:00","slug":"sistem-donur-x%c9%99ta-bildirisl%c9%99ri-g%c9%99lir-az%c9%99rbaycanda-keciril%c9%99n-ipoteka-aksiyalari-niy%c9%99-ugursuzdur","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=789415","title":{"rendered":"Sistem donur, x\u0259ta bildiri\u015fl\u0259ri g\u0259lir \u2013 Az\u0259rbaycanda ke\u00e7iril\u0259n ipoteka aksiyalar\u0131 niy\u0259 u\u011fursuzdur?"},"content":{"rendered":"<p><strong>&#8220;Elektron ipoteka v\u0259 kredit z\u0259man\u0259t&#8221; sistemi vasit\u0259sil\u0259 imtina verilmi\u015f limitl\u0259r \u00fczr\u0259 yeni m\u00fcraci\u0259tl\u0259rin q\u0259bulunda g\u00fcnl\u0259rdir ki probleml\u0259r ya\u015fan\u0131r. Bel\u0259 ki, sistemd\u0259 m\u00fcraci\u0259tl\u0259rin g\u00f6nd\u0259rilm\u0259si \u00fc\u00e7\u00fcn yarad\u0131lm\u0131\u015f m\u00fcvafiq b\u00f6lm\u0259 \u00fczr\u0259 ir\u0259lil\u0259m\u0259k imkans\u0131z hal al\u0131b: sistem gah donur, gah da ekranda m\u00fcxt\u0259lif x\u0259ta bildiri\u015fl\u0259ri \u0259ks olunur.<\/strong><\/p>\n<p>Bununla ba\u011fl\u0131\u00a0<strong>Musavat.com<\/strong>-a v\u0259t\u0259nda\u015f \u015fikay\u0259ti daxil olub.<\/p>\n<p><em><strong>\u015eikay\u0259td\u0259 bildirilir:<\/strong>\u00a0\u201d21.02.2025-ci il saat 18:30-da imtina verilmi\u015f adi ipoteka kreditl\u0259ri \u00fczr\u0259 limitl\u0259rin a\u00e7\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcb, yenid\u0259n m\u00fcraci\u0259t g\u00f6nd\u0259rm\u0259y\u0259 \u00e7al\u0131\u015fsam da, bu d\u0259f\u0259 ekranda &#8220;kredit parametrl\u0259ri yanl\u0131\u015fd\u0131r&#8221; bildiri\u015fi \u0259ks olundu. \u0130KZF-in sosial \u015f\u0259b\u0259k\u0259 hesablar\u0131ndak\u0131 payla\u015f\u0131mlar\u0131na v\u0259t\u0259nda\u015flar t\u0259r\u0259find\u0259n yaz\u0131lan \u00e7oxsayl\u0131 v\u0259 eyni m\u0259zmunlu \u015fikay\u0259t dolu r\u0259yl\u0259ri g\u00f6rd\u00fckd\u0259 is\u0259 qeyd etdiyim problemin k\u00fctl\u0259vi hal ald\u0131\u011f\u0131n\u0131 v\u0259 x\u0259tan\u0131n m\u0259nd\u0259n qaynaqlanmad\u0131\u011f\u0131n\u0131n f\u0259rqin\u0259 vard\u0131m.<\/em><\/p>\n<p><em>\u018flav\u0259 olaraq bildirim ki, bu g\u00fcn\u0259 q\u0259d\u0259r imtina verilmi\u015f limitl\u0259rl\u0259 ba\u011fl\u0131 m\u00fcraci\u0259tl\u0259rin q\u0259bulu 18:30-da h\u0259yata ke\u00e7irilirdi. Lakin, haz\u0131rda s\u00f6z\u00fcged\u0259n sistemd\u0259 ipoteka kreditl\u0259ri \u00fczr\u0259 m\u00fcraci\u0259tl\u0259rin yaln\u0131z banklara ayr\u0131lm\u0131\u015f limitl\u0259r \u00e7\u0259r\u00e7iv\u0259sind\u0259 ist\u0259nil\u0259n vaxt q\u0259bul olundu\u011fu, limit m\u0259bl\u0259\u011fi bitdikd\u0259 is\u0259 m\u00fcraci\u0259tl\u0259rin q\u0259bulunun dayand\u0131r\u0131lmas\u0131 qeyd olunub. Bu is\u0259 bir n\u0259f\u0259rin b\u00fct\u00fcn i\u015fini ataraq anbaan sistemi izl\u0259m\u0259si anlam\u0131na g\u0259lir.<\/em><br \/>\n<em>M\u0259s\u0259l\u0259nin birba\u015fa v\u0259t\u0259nda\u015flar\u0131n sosial rifah\u0131 il\u0259 ba\u011fl\u0131 oldu\u011funu v\u0259 \u015fikay\u0259tl\u0259rin k\u00fctl\u0259vi hal ad\u0131\u011f\u0131n\u0131 n\u0259z\u0259r\u0259 alaraq, problemin i\u015f\u0131qland\u0131r\u0131lmas\u0131nda biz\u0259 k\u00f6m\u0259klik g\u00f6st\u0259rm\u0259yinizi sizd\u0259n xahi\u015f edirik\u201d.<\/em><\/p>\n<p><em><strong>M\u00f6vzu il\u0259 ba\u011fl\u0131 Musavat.com-a dan\u0131\u015fan iqtisad\u00e7\u0131 Natiq C\u0259f\u0259rli bildirib ki, Az\u0259rbaycanda bu kimi hallarla ba\u011fl\u0131 art\u0131q h\u00fcquqi t\u0259cr\u00fcb\u0259 var:<\/strong><\/em><\/p>\n<p><em><strong><img loading=\"lazy\" src=\"https:\/\/cdn.musavat.com\/news\/thumbnails\/c63cfe3e56bc6822553a5c2572753251.jpg\" alt=\"01000000-0aff-0242-dfb3-08dbfb01.jpg (120 KB)\" width=\"700\" height=\"393\" \/><\/strong><\/em><\/p>\n<p>\u201cASAN xidm\u0259tl\u0259 ba\u011fl\u0131 bir \u00e7ox m\u0259s\u0259l\u0259l\u0259rin h\u0259llind\u0259 ir\u0259lil\u0259yi\u015f \u0259ld\u0259 etm\u0259k m\u00fcmk\u00fcn oldu. \u00c7\u00fcnki sistemin \u00f6z\u00fc d\u0259yi\u015fdirldi. \u015eikay\u0259t\u00e7inin qeyd etdiyi m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 da sistemli d\u0259yi\u015fikliy\u0259 ehtiyac var. \u0130nsanlar hans\u0131sa bir formada m\u00fcraci\u0259t etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlarsa, d\u00f6vl\u0259tin g\u00f6st\u0259rdiyi xidm\u0259tl\u0259rd\u0259n pay almaq ist\u0259yirl\u0259rs\u0259, bu \u00e7ox asan olmal\u0131d\u0131r. \u0130ndi \u201cAsan \u0130mza\u201d, \u201cS\u0130M\u201d var, onlayn infrastruktur el\u0259 qurulub ki, m\u00fcxt\u0259lif \u00fcsullarla m\u00fcraci\u0259tl\u0259rin h\u0259yata ke\u00e7irilm\u0259sin\u0259 imkan var. Bunun \u00fc\u00e7\u00fcn qanunvericilikd\u0259ki bo\u015fluqlar aradan qald\u0131r\u0131lmal\u0131 , yeni qaydalar q\u0259bul olunmal\u0131d\u0131r ki, bu asanla\u015fs\u0131n. \u018fslind\u0259 v\u0259t\u0259nda\u015flar\u0131n i\u015ftirak\u00e7\u0131l\u0131\u011f\u0131n\u0131 t\u0259min ed\u0259n texniki probleml\u0259rdir. Texniki probleml\u0259ri aradan qald\u0131rmaq daha asand\u0131r. \u018fg\u0259r m\u0259s\u0259l\u0259 texniki probleml\u0259rd\u0259n daha \u00e7ox m\u00fcraci\u0259tl\u0259rin say\u0131n\u0131n \u00e7ox olmas\u0131 il\u0259 ba\u011fl\u0131d\u0131rsa, o zaman h\u00f6kum\u0259t ba\u015fqa c\u00fcr m\u0259s\u0259l\u0259y\u0259 yana\u015fmal\u0131d\u0131r: Niy\u0259 bu xidm\u0259tl\u0259r\u0259 m\u00fcraci\u0259t \u00e7oxdur? Bu m\u0259s\u0259l\u0259l\u0259r m\u00fczakir\u0259 olunub, \u00e7\u0131x\u0131\u015f yollar\u0131 tap\u0131lmal\u0131d\u0131r. \u0130nsanlar\u0131n ehtiyac\u0131 var ki, m\u00fcraci\u0259t edirl\u0259r v\u0259 cavab ala bilm\u0259y\u0259nd\u0259 t\u0259krar, israrl\u0131 \u015f\u0259kild\u0259 m\u00fcraci\u0259tl\u0259ri etm\u0259k ist\u0259yirl\u0259r. B\u0259s bu ehtiyac\u0131n aradan qald\u0131r\u0131lmas\u0131 yollar\u0131 n\u0259dir? B\u0259lk\u0259, urbanizasiya, m\u0259nzil tikintisi il\u0259 ba\u011fl\u0131 yeni q\u0259rarlara ehtiyac var. B\u0259lk\u0259, regionlar\u0131n \u00f6n\u0259 \u00e7\u0131xar\u0131lmas\u0131 \u00fc\u00e7\u00fcn m\u00fc\u0259yy\u0259n i\u015fl\u0259r g\u00f6r\u00fclm\u0259lidir ki, bu i\u015fl\u0259r daha asan oslun. Bak\u0131n\u0131n y\u00fck\u00fcn\u00fcn azald\u0131lmas\u0131 proqram\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 b\u0259lk\u0259, bu i\u015fl\u0259r g\u00f6r\u00fclm\u0259lidir. Y\u0259ni, bu, kompleks m\u0259s\u0259l\u0259dir. Texniki m\u0259s\u0259l\u0259ni h\u0259ll etm\u0259k daha asand\u0131r. Yax\u015f\u0131 proqram\u00e7\u0131lar, sistem administratorlar\u0131 texniki probleml\u0259ri h\u0259ll ed\u0259 bil\u0259rl\u0259r, bu m\u00fcmk\u00fcnd\u00fcr. Qanunvericilikd\u0259 olan bo\u015fluqlar v\u0259 konsepsiya is\u0259 art\u0131q h\u00f6kum\u0259t siyas\u0259tind\u0259n as\u0131l\u0131 olacaq\u201d.<\/p>\n<p><strong><em>\u0130T \u00fczr\u0259 m\u00fct\u0259x\u0259ssiz Elvin Abbasov deyir ki, \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun elan etdiyi bu aksiyalardan k\u00fctl\u0259vi \u015fikay\u0259tl\u0259ri m\u00fc\u015fahid\u0259 edir:<\/em><\/strong><\/p>\n<p>\u201c\u015eikay\u0259tl\u0259rd\u0259n g\u00f6r\u00fcn\u00fcr ki, v\u0259t\u0259nda\u015flar\u0131n ba\u015fa d\u00fc\u015fm\u0259diyi bir \u00e7ox x\u0259ta mesajlar\u0131 var. Fond t\u0259r\u0259find\u0259n bu x\u0259ta mesajlar\u0131 bar\u0259d\u0259 dol\u011fun m\u0259lumat verilmir. Qeyd edilmir ki, hans\u0131 hallarda n\u0259l\u0259r ba\u015f ver\u0259 bil\u0259r v\u0259 limitl\u0259rin bitm\u0259si nec\u0259 bildirilir. T\u0259ss\u00fcf ki, insanlar\u0131n k\u00fctl\u0259vi olaraq i\u015ftirak etdiyi bu c\u00fcr aksiyalarda sisteml\u0259r donur, bir \u00e7ox insan ya i\u015ftirak ed\u0259 bilmir, ya da yar\u0131da dayand\u0131rmal\u0131 olur. Bu prosesl\u0259ri biz d\u0259 izl\u0259yirik. T\u00f6vsiyy\u0259 ed\u0259rdim ki, v\u0259t\u0259nda\u015flar aksiyalardan \u0259vv\u0259l fondla \u0259laq\u0259 yarad\u0131b ba\u015fa d\u00fc\u015fm\u0259diyi m\u0259qamlar\u0131 d\u0259qiql\u0259\u015fdirsin, yaxud da fondun \u00f6z\u00fc hans\u0131 halda n\u0259l\u0259rin ba\u015f ver\u0259c\u0259yi il\u0259 ba\u011fl\u0131 insanlar\u0131 m\u0259lumatland\u0131rs\u0131n.V\u0259t\u0259nda\u015flar m\u0259lumatl\u0131 olmayanda prosesin gedi\u015fat\u0131nda onlar\u0131n g\u00f6zl\u0259m\u0259diyi cavablar \u00e7\u0131xanda naraz\u0131 olurlar. Bu tip aksiyalar m\u0259hz bu s\u0259b\u0259bl\u0259rd\u0259n Az\u0259rbaycanda u\u011fursuz ba\u015f verir. \u0130st\u0259r M\u0259nzil \u0130n\u015faat\u0131 D\u00f6vl\u0259t Agentliyinin elan etdiyi, ist\u0259r\u0259 d\u0259 \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun aksiyalar\u0131ndan yet\u0259rinc\u0259 \u015fikay\u0259tl\u0259ri g\u00f6r\u00fcr\u00fck. Sistemin tam \u015f\u0259ffaf olmamas\u0131, v\u0259t\u0259nda\u015flar\u0131n ged\u0259n prosesl\u0259r bar\u0259d\u0259 dol\u011fun m\u0259lumat\u0131n\u0131n olmamas\u0131, r\u0259q\u0259msal savadl\u0131l\u0131\u011f\u0131n azl\u0131\u011f\u0131 haz\u0131rki v\u0259ziyy\u0259ti yarad\u0131r. Sistemin dayan\u0131ql\u0131, v\u0259t\u0259nda\u015flar\u0131n daha m\u0259lumatl\u0131, fondun is\u0259 prosesl\u0259r bar\u0259d\u0259 c\u0259miyy\u0259t\u0259 a\u00e7\u0131q, \u015f\u0259ffaf olmas\u0131 laz\u0131md\u0131r. Bu prosesl\u0259rd\u0259 m\u00fc\u015fahid\u0259\u00e7i qismind\u0259 m\u00fcst\u0259qil ekspertl\u0259rd\u0259n istifad\u0259 olunmur\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Elektron ipoteka v\u0259 kredit z\u0259man\u0259t&#8221; sistemi vasit\u0259sil\u0259 imtina verilmi\u015f limitl\u0259r \u00fczr\u0259 yeni m\u00fcraci\u0259tl\u0259rin q\u0259bulunda g\u00fcnl\u0259rdir ki probleml\u0259r ya\u015fan\u0131r. Bel\u0259 ki, sistemd\u0259 m\u00fcraci\u0259tl\u0259rin g\u00f6nd\u0259rilm\u0259si \u00fc\u00e7\u00fcn yarad\u0131lm\u0131\u015f m\u00fcvafiq b\u00f6lm\u0259 \u00fczr\u0259 ir\u0259lil\u0259m\u0259k imkans\u0131z hal al\u0131b: sistem gah donur, gah da ekranda m\u00fcxt\u0259lif x\u0259ta bildiri\u015fl\u0259ri \u0259ks olunur. Bununla ba\u011fl\u0131\u00a0Musavat.com-a v\u0259t\u0259nda\u015f \u015fikay\u0259ti daxil olub. \u015eikay\u0259td\u0259 bildirilir:\u00a0\u201d21.02.2025-ci il saat 18:30-da imtina verilmi\u015f adi ipoteka kreditl\u0259ri \u00fczr\u0259 limitl\u0259rin a\u00e7\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcb, yenid\u0259n m\u00fcraci\u0259t g\u00f6nd\u0259rm\u0259y\u0259 \u00e7al\u0131\u015fsam da, bu d\u0259f\u0259 ekranda &#8220;kredit parametrl\u0259ri yanl\u0131\u015fd\u0131r&#8221; bildiri\u015fi \u0259ks olundu. \u0130KZF-in sosial \u015f\u0259b\u0259k\u0259 hesablar\u0131ndak\u0131 payla\u015f\u0131mlar\u0131na v\u0259t\u0259nda\u015flar t\u0259r\u0259find\u0259n yaz\u0131lan \u00e7oxsayl\u0131 v\u0259 eyni m\u0259zmunlu \u015fikay\u0259t&hellip;<\/p>\n","protected":false},"author":2,"featured_media":789416,"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\/2025\/02\/7282c5c12772716e1d9de99b321d41fa.jpg",700,394,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/7282c5c12772716e1d9de99b321d41fa.jpg",700,394,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/7282c5c12772716e1d9de99b321d41fa.jpg",700,394,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/7282c5c12772716e1d9de99b321d41fa-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/7282c5c12772716e1d9de99b321d41fa-648x365.jpg",648,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/7282c5c12772716e1d9de99b321d41fa.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/7282c5c12772716e1d9de99b321d41fa.jpg",700,394,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/7282c5c12772716e1d9de99b321d41fa.jpg",700,394,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/7282c5c12772716e1d9de99b321d41fa-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/02\/7282c5c12772716e1d9de99b321d41fa.jpg",700,394,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=1\" rel=\"category\">C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"&#8220;Elektron ipoteka v\u0259 kredit z\u0259man\u0259t&#8221; sistemi vasit\u0259sil\u0259 imtina verilmi\u015f limitl\u0259r \u00fczr\u0259 yeni m\u00fcraci\u0259tl\u0259rin q\u0259bulunda g\u00fcnl\u0259rdir ki probleml\u0259r ya\u015fan\u0131r. Bel\u0259 ki, sistemd\u0259 m\u00fcraci\u0259tl\u0259rin g\u00f6nd\u0259rilm\u0259si \u00fc\u00e7\u00fcn yarad\u0131lm\u0131\u015f m\u00fcvafiq b\u00f6lm\u0259 \u00fczr\u0259 ir\u0259lil\u0259m\u0259k imkans\u0131z hal al\u0131b: sistem gah donur, gah da ekranda m\u00fcxt\u0259lif x\u0259ta bildiri\u015fl\u0259ri \u0259ks olunur. Bununla ba\u011fl\u0131\u00a0Musavat.com-a v\u0259t\u0259nda\u015f \u015fikay\u0259ti daxil olub. \u015eikay\u0259td\u0259 bildirilir:\u00a0\u201d21.02.2025-ci il saat 18:30-da imtina&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/789415"}],"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=789415"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/789415\/revisions"}],"predecessor-version":[{"id":789417,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/789415\/revisions\/789417"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/789416"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=789415"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=789415"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=789415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}