{"id":792040,"date":"2025-03-06T08:41:26","date_gmt":"2025-03-06T04:41:26","guid":{"rendered":"https:\/\/arantv.az\/?p=792040"},"modified":"2025-03-06T08:41:26","modified_gmt":"2025-03-06T04:41:26","slug":"ipoteka-il%c9%99-ev-almaq-ist%c9%99y%c9%99nl%c9%99r%c9%99-b%c9%99d-x%c9%99b%c9%99r-bundan-sonra","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=792040","title":{"rendered":"\u0130poteka il\u0259 ev almaq ist\u0259y\u0259nl\u0259r\u0259 B\u018fD X\u018fB\u018fR &#8211; Bundan sonra&#8230;"},"content":{"rendered":"<p><strong>\u0130qtisad\u00e7\u0131: \u201cA\u015fa\u011f\u0131 g\u0259lirli ail\u0259l\u0259r \u00fc\u00e7\u00fcn, \u0259l\u0259lx\u00fcsus ipoteka il\u0259 ev almaq x\u0259yal olaraq qal\u0131r\u201d<\/strong><\/p>\n<p>M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n 2024-c\u00fc ilin IV r\u00fcb\u00fc \u00fczr\u0259 bank sektorunda kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259ti v\u0259 maliyy\u0259l\u0259\u015fm\u0259 m\u0259nb\u0259l\u0259rin\u0259 dair ke\u00e7irilmi\u015f sor\u011funun n\u0259tic\u0259l\u0259ri a\u00e7\u0131qlan\u0131b.<\/p>\n<p>Sor\u011funun 2024-c\u00fc il IV r\u00fcb \u00fczr\u0259 n\u0259tic\u0259l\u0259rin\u0259 \u0259sas\u0259n, ipoteka kreditl\u0259ri \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259 davam edib. S\u0259rtl\u0259\u015fm\u0259 banklar\u0131n daxili resurslar hesab\u0131na veril\u0259n ipoteka kreditl\u0259ri \u00fczr\u0259 olub. Daxili ipoteka kreditl\u0259ri \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259 \u0259sas\u0259n kreditl\u0259rin maya d\u0259y\u0259rinin art\u0131m\u0131 formas\u0131nda olub. \u0130KZF (\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu) hesab\u0131na veril\u0259n ipoteka kredit standartlar\u0131nda is\u0259 d\u0259yi\u015fiklik m\u00fc\u015fahid\u0259 edilm\u0259yib. Banklar n\u00f6vb\u0259ti r\u00fcbd\u0259 h\u0259m \u0130KZF hesab\u0131na veril\u0259n kreditl\u0259r, h\u0259m d\u0259 daxili ipoteka kreditl\u0259ri \u00fczr\u0259 kredit standartlar\u0131nda d\u0259yi\u015fiklik olmayaca\u011f\u0131n\u0131 g\u00f6zl\u0259yirl\u0259r.<\/p>\n<p>Banklar\u0131n daxili ipotekan\u0131 bahala\u015fd\u0131rmas\u0131 onsuz da \u0259l\u00e7atan olmayan imkanlar\u0131 daha da a\u011f\u0131rla\u015fd\u0131r\u0131r.<\/p>\n<p><strong>Qeyd ed\u0259k ki, ombudsman ipoteka \u015f\u0259rtl\u0259rin\u0259 yenid\u0259n bax\u0131lmas\u0131n\u0131 t\u0259klif edir.<\/strong><\/p>\n<p>Bu, Az\u0259rbaycan Respublikas\u0131n\u0131n \u0130nsan h\u00fcquqlar\u0131 \u00fczr\u0259 m\u00fcv\u0259kkilinin (Ombudsman\u0131n) 2024-c\u00fc il \u00fczr\u0259 Milli M\u0259clisd\u0259 m\u0259ruz\u0259sind\u0259 \u0259ksini tap\u0131b.<\/p>\n<p><strong>M\u0259ruz\u0259d\u0259 bildirilib ki, m\u0259nzil h\u00fcququnun daha s\u0259m\u0259r\u0259li t\u0259min edilm\u0259si m\u0259qs\u0259dil\u0259, real bazar qiym\u0259tl\u0259ri v\u0259 \u0259halinin al\u0131c\u0131l\u0131q qabiliyy\u0259ti n\u0259z\u0259r\u0259 al\u0131nmaqla, g\u00fcz\u0259\u015ftli ipoteka kreditinin \u015f\u0259rtl\u0259rin\u0259 yenid\u0259n bax\u0131lmas\u0131, kreditin maksimal m\u0259bl\u0259\u011finin art\u0131r\u0131lmas\u0131, ilkin \u00f6d\u0259ni\u015f m\u0259bl\u0259\u011finin minimuma endirilm\u0259si, kredit m\u00fcdd\u0259tinin uzad\u0131lmas\u0131, faiz d\u0259r\u0259c\u0259sinin endirilm\u0259si, ipoteka kreditl\u0259ri \u00fczr\u0259 g\u00fcz\u0259\u015ftl\u0259rd\u0259n istifad\u0259 etm\u0259k h\u00fcququna malik \u015f\u0259xsl\u0259rin siyah\u0131s\u0131n\u0131n geni\u015fl\u0259ndirilm\u0259si m\u0259qs\u0259dil\u0259 qanunvericiliy\u0259 \u0259lav\u0259 v\u0259 d\u0259yi\u015fiklikl\u0259rin edilm\u0259si vacibdir.<\/strong><\/p>\n<p>Vur\u011fulan\u0131r ki, ist\u0259r Bak\u0131 \u015f\u0259h\u0259rind\u0259, ist\u0259rs\u0259 d\u0259 rayon m\u0259rk\u0259zl\u0259rind\u0259, habel\u0259 b\u0259zi q\u0259s\u0259b\u0259l\u0259rd\u0259 yerl\u0259\u015f\u0259n \u00f6t\u0259n \u0259srin \u0259vv\u0259ll\u0259rind\u0259 v\u0259 ortalar\u0131nda tikil\u0259r\u0259k istifad\u0259y\u0259 verilmi\u015f bir s\u0131ra ya\u015fay\u0131\u015f binalar\u0131nda uzun ill\u0259r t\u0259mir-b\u0259rpa i\u015fl\u0259ri apar\u0131lmay\u0131b, istismar m\u00fcdd\u0259tinin ke\u00e7m\u0259si s\u0259b\u0259bind\u0259n h\u0259min binalar istismara yarars\u0131z, b\u0259zi hallarda is\u0259 q\u0259zal\u0131 v\u0259ziyy\u0259t\u0259 d\u00fc\u015f\u00fcb. Bu bax\u0131mdan, h\u0259min m\u0259nzill\u0259rd\u0259 ya\u015fayan sakinl\u0259rin m\u0259nzil-m\u0259i\u015f\u0259t \u015f\u0259raitinin yax\u015f\u0131la\u015fmas\u0131 \u00fc\u00e7\u00fcn onlar\u0131n yeni m\u0259nzill\u0259r\u0259 k\u00f6\u00e7\u00fcr\u00fclm\u0259si il\u0259 ba\u011fl\u0131 pilot layih\u0259l\u0259rin davam etdirilm\u0259si m\u0259qs\u0259d\u0259uy\u011fundur.<\/p>\n<p><strong>Yeri g\u0259lmi\u015fk\u0259n, Az\u0259rbaycanda d\u00f6vl\u0259t x\u0259tti il\u0259 ipoteka krediti g\u00f6t\u00fcr\u0259nl\u0259rin say\u0131 53 mini ke\u00e7ib<\/strong><\/p>\n<p>R\u0259smi statistikaya \u0259sas\u0259n, bu g\u00fcn\u0259 q\u0259d\u0259r \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu (\u0130KZF) 53 014 borcalana 3 milyard 362,336 milyon manat kredit verib. Qurumdan veril\u0259n a\u00e7\u0131qlamada bildirilib ki, indiy\u0259 q\u0259d\u0259r 549,443 milyon manat m\u0259bl\u0259\u011find\u0259 biznes kreditl\u0259rin\u0259 z\u0259man\u0259t verilib, 6 720 m\u0259nzil is\u0259 kiray\u0259y\u0259 verm\u0259k yolu il\u0259 realiz\u0259 edilib.<\/p>\n<p><img src=\"https:\/\/pravda.az\/cdn\/2024\/december\/28\/eldeniz111.jpg\" alt=\"Eld\u0259niz \u018fmirov - FOTOBAZA Pravda.az\" \/><\/p>\n<p><strong>Eld\u0259niz\u00a0 \u018fmirov\u00a0<\/strong><\/p>\n<p><strong>\u0130qtisad\u00e7\u0131 Eld\u0259niz\u00a0 \u018fmirov m\u00f6vzunu \u201cYeni M\u00fcsavat\u201da \u015f\u0259rh ed\u0259rk\u0259n bildirdi ki, M\u0259rk\u0259zi Bank \u00f6lk\u0259d\u0259 kredit siyas\u0259tini h\u0259yata ke\u00e7ir\u0259n t\u0259nziml\u0259yici qurum olaraq, eyni zamanda problemli kreditl\u0259rl\u0259 ba\u011fl\u0131 do\u011fru q\u0259rarlar\u0131n verilm\u0259sin\u0259 m\u0259sul qurumdur. \u0130qtisad\u00e7\u0131n\u0131n fikrinc\u0259, M\u0259rk\u0259zi Bank\u0131n s\u00f6z\u00fcged\u0259n q\u0259rar\u0131 h\u0259m d\u0259 problemli kreditl\u0259rin h\u0259cminin artmas\u0131n\u0131n qar\u015f\u0131s\u0131n\u0131 almaq m\u0259qs\u0259di da\u015f\u0131y\u0131r:<\/strong>\u00a0\u201cKreditl\u0259\u015fm\u0259 v\u0259 maliyy\u0259l\u0259\u015fm\u0259 m\u0259nb\u0259l\u0259rin\u0259 y\u00f6n\u0259lik m\u0259s\u0259l\u0259d\u0259 ipoteka kreditl\u0259ri \u00fczr\u0259 standartlar\u0131n s\u0259rtl\u0259\u015fdirilm\u0259si veril\u0259c\u0259k kreditl\u0259rin maya d\u0259y\u0259rinin artmas\u0131na s\u0259b\u0259b olub. Bu da t\u0259bii olaraq \u00f6z hesab\u0131na veril\u0259n daxili ipoteka kreditl\u0259rinin bahala\u015fmas\u0131na g\u0259tirib \u00e7\u0131xaracaq. Dig\u0259r t\u0259r\u0259fd\u0259n, banklar kreditin b\u00f6y\u00fck qismini m\u0259hz \u0259ld\u0259 edil\u0259n depozitl\u0259r \u0259sas\u0131nda verirl\u0259r. Getdikc\u0259 artan depozit faizl\u0259ri d\u0259 n\u0259tic\u0259d\u0259 daxili ipotekan\u0131n bahala\u015fmas\u0131na g\u0259tirib \u00e7\u0131xar\u0131r. T\u0259bii ki, daxili ipotekan\u0131n bahala\u015fd\u0131r\u0131lmas\u0131 maliyy\u0259 \u0259l\u00e7atanl\u0131\u011f\u0131 istiqam\u0259tind\u0259 \u00e7\u0259tinlikl\u0259r yarad\u0131r. Uzunm\u00fcdd\u0259tli d\u00f6vr \u0259rzind\u0259 \u00f6z\u00fcn\u00fc do\u011fruldacaq \u00fcsullar yoxdur. \u00c7\u00fcnki bilavasit\u0259 kredit resurslar\u0131n\u0131n baha \u0259ld\u0259 olunmas\u0131 onlar\u0131n sonradan baha t\u0259klif olunmas\u0131n\u0131 \u015f\u0259rtl\u0259ndirir. T\u0259l\u0259b-t\u0259klif faktoru da ciddi rol oynay\u0131r. Sosial n\u00f6qteyi-n\u0259z\u0259rd\u0259n banklar\u0131n daxili kreditl\u0259rinin bahala\u015fmas\u0131 krediti insanlar \u00fc\u00e7\u00fcn \u0259l\u00e7atmaz edir. \u0130nsanlar\u0131n ev sahibi olmas\u0131 daha da \u00e7\u0259tinl\u0259\u015fir.\u00a0 Bu zaman a\u015fa\u011f\u0131 g\u0259lirli ail\u0259l\u0259r \u00fc\u00e7\u00fcn, \u0259l\u0259lx\u00fcsus ipoteka il\u0259 ev almaq x\u0259yal olaraq qal\u0131r. Bu, t\u0259kc\u0259 Az\u0259rbaycanla ba\u011fl\u0131 deyil. Da\u015f\u0131nmaz \u0259mlak bazar\u0131, x\u00fcsusil\u0259 m\u0259nzil \u0259l\u00e7atanl\u0131\u011f\u0131 Kanada kimi d\u00f6vl\u0259td\u0259 bel\u0259 ciddi problem\u0259 \u00e7evrilib. Hans\u0131 yolla \u0259ld\u0259 olunmas\u0131ndan as\u0131l\u0131 olmayaraq, m\u0259nzilin yarad\u0131lmas\u0131 \u00fc\u00e7\u00fcn z\u0259ruri olan x\u0259rcl\u0259r var. Bu x\u0259rcl\u0259rin h\u0259cmi b\u00f6y\u00fckd\u00fcr. Faizl\u0259ri d\u0259 n\u0259z\u0259r\u0259 ald\u0131qda h\u0259cm daha da b\u00f6y\u00fcy\u00fcr\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0130qtisad\u00e7\u0131: \u201cA\u015fa\u011f\u0131 g\u0259lirli ail\u0259l\u0259r \u00fc\u00e7\u00fcn, \u0259l\u0259lx\u00fcsus ipoteka il\u0259 ev almaq x\u0259yal olaraq qal\u0131r\u201d M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n 2024-c\u00fc ilin IV r\u00fcb\u00fc \u00fczr\u0259 bank sektorunda kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259ti v\u0259 maliyy\u0259l\u0259\u015fm\u0259 m\u0259nb\u0259l\u0259rin\u0259 dair ke\u00e7irilmi\u015f sor\u011funun n\u0259tic\u0259l\u0259ri a\u00e7\u0131qlan\u0131b. Sor\u011funun 2024-c\u00fc il IV r\u00fcb \u00fczr\u0259 n\u0259tic\u0259l\u0259rin\u0259 \u0259sas\u0259n, ipoteka kreditl\u0259ri \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259 davam edib. S\u0259rtl\u0259\u015fm\u0259 banklar\u0131n daxili resurslar hesab\u0131na veril\u0259n ipoteka kreditl\u0259ri \u00fczr\u0259 olub. Daxili ipoteka kreditl\u0259ri \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259 \u0259sas\u0259n kreditl\u0259rin maya d\u0259y\u0259rinin art\u0131m\u0131 formas\u0131nda olub. \u0130KZF (\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu) hesab\u0131na veril\u0259n ipoteka kredit standartlar\u0131nda is\u0259 d\u0259yi\u015fiklik m\u00fc\u015fahid\u0259 edilm\u0259yib. Banklar n\u00f6vb\u0259ti r\u00fcbd\u0259 h\u0259m&hellip;<\/p>\n","protected":false},"author":2,"featured_media":792041,"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\/03\/97d32e71f24327d55717ca9770da2ddc.jpg",800,450,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/97d32e71f24327d55717ca9770da2ddc.jpg",800,450,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/97d32e71f24327d55717ca9770da2ddc.jpg",800,450,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/97d32e71f24327d55717ca9770da2ddc-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/97d32e71f24327d55717ca9770da2ddc-649x365.jpg",649,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/97d32e71f24327d55717ca9770da2ddc.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/97d32e71f24327d55717ca9770da2ddc.jpg",800,450,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/97d32e71f24327d55717ca9770da2ddc.jpg",800,450,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/97d32e71f24327d55717ca9770da2ddc-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/03\/97d32e71f24327d55717ca9770da2ddc.jpg",800,450,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":"\u0130qtisad\u00e7\u0131: \u201cA\u015fa\u011f\u0131 g\u0259lirli ail\u0259l\u0259r \u00fc\u00e7\u00fcn, \u0259l\u0259lx\u00fcsus ipoteka il\u0259 ev almaq x\u0259yal olaraq qal\u0131r\u201d M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n 2024-c\u00fc ilin IV r\u00fcb\u00fc \u00fczr\u0259 bank sektorunda kreditl\u0259\u015fm\u0259 f\u0259aliyy\u0259ti v\u0259 maliyy\u0259l\u0259\u015fm\u0259 m\u0259nb\u0259l\u0259rin\u0259 dair ke\u00e7irilmi\u015f sor\u011funun n\u0259tic\u0259l\u0259ri a\u00e7\u0131qlan\u0131b. Sor\u011funun 2024-c\u00fc il IV r\u00fcb \u00fczr\u0259 n\u0259tic\u0259l\u0259rin\u0259 \u0259sas\u0259n, ipoteka kreditl\u0259ri \u00fczr\u0259 standartlarda s\u0259rtl\u0259\u015fm\u0259 davam edib. S\u0259rtl\u0259\u015fm\u0259 banklar\u0131n daxili resurslar hesab\u0131na veril\u0259n ipoteka&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/792040"}],"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=792040"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/792040\/revisions"}],"predecessor-version":[{"id":792042,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/792040\/revisions\/792042"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/792041"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=792040"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=792040"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=792040"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}