{"id":827149,"date":"2025-09-19T10:14:14","date_gmt":"2025-09-19T06:14:14","guid":{"rendered":"https:\/\/arantv.az\/?p=827149"},"modified":"2025-09-19T10:14:14","modified_gmt":"2025-09-19T06:14:14","slug":"evl%c9%99rin-sigortalanmasi-m%c9%99cburi-olacaq-bundan-sonra","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=827149","title":{"rendered":"Evl\u0259rin s\u0131\u011fortalanmas\u0131 m\u0259cburi olacaq &#8211; Bundan sonra&#8230;"},"content":{"rendered":"<h3><strong>Sahib M\u0259mm\u0259dov: \u201cBu m\u0259s\u0259l\u0259d\u0259 ciddi d\u00fc\u015f\u00fcnm\u0259k laz\u0131md\u0131r, ona g\u00f6r\u0259 ki&#8230;\u201d\u00a0<\/strong><\/h3>\n<p><strong>Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n m\u0259cburi s\u0131\u011fortas\u0131 haqq\u0131nda qanun layih\u0259si haz\u0131rlan\u0131b. Bunu Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) ba\u015f direktoru V\u00fcsal Qurbanov T\u00fcrk D\u00fcnyas\u0131 S\u0131\u011forta Birliyinin 1-ci Assambleyas\u0131nda deyib.<\/strong><\/p>\n<p>Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, t\u0259\u015f\u0259bb\u00fcsd\u0259 \u0259sas m\u0259qs\u0259d f\u0259lak\u0259tli riskl\u0259rin d\u00f6vl\u0259t \u00fc\u00e7\u00fcn yaratd\u0131\u011f\u0131 fiskal y\u00fck\u00fc azaltmaqd\u0131r (Report). \u201cBu sistemin t\u0259tbiqi f\u0259lak\u0259tli riskl\u0259rin s\u0131\u011forta \u015firk\u0259tl\u0259rin\u0259 v\u0259 b\u00fct\u00f6vl\u00fckd\u0259 sektora \u00f6t\u00fcr\u00fclm\u0259sin\u0259 imkan ver\u0259c\u0259k. Buraya m\u00fcnt\u0259z\u0259m olaraq ba\u015f ver\u0259n sosial riskl\u0259r, o c\u00fcml\u0259d\u0259n yan\u011f\u0131n v\u0259 partlay\u0131\u015flar da daxildir. \u018fsas m\u0259qs\u0259d bu riskl\u0259rin n\u0259tic\u0259l\u0259rinin qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131d\u0131r. Qeyd etm\u0259k ist\u0259rdim ki, bel\u0259 riskl\u0259rin s\u0131\u011fortas\u0131 \u00f6zl\u00fcy\u00fcnd\u0259 spesifikdir\u201d, &#8211; Qurbanov qeyd edib.<\/p>\n<p>Ba\u015f direktor h\u0259m\u00e7inin bildirib ki, Az\u0259rbaycanda z\u0259lz\u0259l\u0259 riskl\u0259rinin s\u0131\u011fortalanmas\u0131 modeli s\u0131naqdan ke\u00e7irilir. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, z\u0259lz\u0259l\u0259d\u0259n s\u0131\u011forta mexanizminin yarad\u0131lmas\u0131 \u00fc\u00e7\u00fcn seysmik x\u0259rit\u0259l\u0259r v\u0259 risk modell\u0259ri laz\u0131md\u0131r: \u201cBiz bu sah\u0259d\u0259 T\u00fcrkiy\u0259 il\u0259 \u0259m\u0259kda\u015fl\u0131q edirik. Art\u0131q T\u00fcrkiy\u0259d\u0259 istifad\u0259 edil\u0259n model \u0259sas\u0131nda Az\u0259rbaycan \u00fc\u00e7\u00fcn x\u00fcsusi versiya haz\u0131rlan\u0131b. Haz\u0131rda s\u0131naqdan ke\u00e7irilir. Model Az\u0259rbaycanda ba\u015f ver\u0259 bil\u0259c\u0259k z\u0259lz\u0259l\u0259l\u0259rin iqtisadi v\u0259 maddi n\u0259tic\u0259l\u0259rini qiym\u0259tl\u0259ndirm\u0259y\u0259 imkan ver\u0259c\u0259k v\u0259 h\u0259m d\u00f6vl\u0259t, h\u0259m d\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259ri \u00fc\u00e7\u00fcn daha d\u0259qiq risk qiym\u0259tl\u0259ndirm\u0259sini t\u0259min ed\u0259c\u0259k\u201d.<\/p>\n<p><strong>B\u0259s yeni qanun t\u0259sdiqd\u0259n ke\u00e7\u0259 bil\u0259c\u0259kmi? Ke\u00e7\u0259rs\u0259, i\u015fl\u0259k olacaqm\u0131, \u0259hali buna haz\u0131rd\u0131rm\u0131?<\/strong><\/p>\n<p>Qeyd ed\u0259k ki, \u0259slind\u0259 &#8220;Da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 haqq\u0131nda&#8221; Qanun q\u0259bul edilib v\u0259 qanunla n\u0259zar\u0259t M\u0259rk\u0259zi Bank t\u0259r\u0259find\u0259n h\u0259yata ke\u00e7irilir, y\u0259ni ciddi n\u0259zar\u0259t m\u00f6vcuddur. Lakin insanlar buna etimads\u0131z yana\u015f\u0131r. Bak\u0131 \u015f\u0259h\u0259ri \u00fc\u00e7\u00fcn s\u0131\u011forta haqq\u0131 50 manatd\u0131r v\u0259 t\u0259minat 25 000 manat t\u0259\u015fkil edir. Sumqay\u0131t, G\u0259nc\u0259 v\u0259 Nax\u00e7\u0131vanda bu m\u0259bl\u0259\u011f 40 manatd\u0131r v\u0259 t\u0259minat 20 000 manatd\u0131r. Dig\u0259r b\u00f6lg\u0259l\u0259r \u00fc\u00e7\u00fcn is\u0259 s\u0131\u011forta haqq\u0131 30 manat, t\u0259minat is\u0259 15 000 manatd\u0131r. Y\u0259ni c\u0259mi 50 manat \u00f6d\u0259m\u0259kl\u0259, d\u0259ymi\u015f ziyan\u0131n 25 min manat\u0131n\u0131 s\u0131\u011forta \u015firk\u0259tind\u0259n geri almaq m\u00fcmk\u00fcnd\u00fcr.<\/p>\n<p><img src=\"https:\/\/barassociation.az\/uploads\/publications\/sahib_memmedov_8af32516d02116cd8776317ddbc5eb57.jpg\" alt=\"Barassociation.az - M\u0259tbuat s\u0259hif\u0259l\u0259rind\u0259n - \u201c\u00d6lk\u0259 r\u0259hb\u0259rliyi v\u0259killik  institutuna d\u0259y\u0259r verir\u201d \u2013 Sahib M\u0259mm\u0259dov\" \/><\/p>\n<p><strong>Sahib M\u0259mm\u0259dov<\/strong><\/p>\n<p><strong>\u018fm\u0259k H\u00fcquqlar\u0131 Liqas\u0131n\u0131n s\u0259dri, iqtisad\u00e7\u0131 Sahib M\u0259mm\u0259dov m\u00f6vzu il\u0259 ba\u011fl\u0131 \u201cYeni M\u00fcsavat\u201da dan\u0131\u015f\u0131b. O da qeyd edib ki, &#8220;Da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 haqq\u0131nda&#8221; Qanun var, sad\u0259c\u0259, icra oluna bilmir:<\/strong>\u00a0\u201cBunun da bir \u00e7ox s\u0259b\u0259bl\u0259ri var. \u018fvv\u0259la, Az\u0259rbaycanda b\u00fct\u00fcn da\u015f\u0131nmaz \u0259mlak d\u00f6vl\u0259t reyestrin\u0259 daxil olmay\u0131b. On minl\u0259r\u0259, b\u0259lk\u0259 d\u0259 y\u00fcz minl\u0259rl\u0259 qeydiyyats\u0131z tikilil\u0259r var. X\u00fcsusil\u0259 k\u0259nd yerl\u0259rind\u0259 v\u0259 s. B\u00fct\u00f6v q\u0259s\u0259b\u0259l\u0259r var ki, m\u0259s\u0259l\u0259n, k\u0259nd t\u0259s\u0259rr\u00fcfat\u0131 t\u0259yinatl\u0131 torpaqlarda v\u0259 yaxud d\u00f6vl\u0259t ehtiyaclar\u0131 \u00fc\u00e7\u00fcn ayr\u0131lm\u0131\u015f torpaqlarda, yaxud m\u0259d\u0259nl\u0259rd\u0259 tikilib, kommunikasiya x\u0259tl\u0259rinin alt\u0131nda, \u00fcst\u00fcnd\u0259 tikilib v\u0259 onlar\u0131 reyestr\u0259 daxil ed\u0259 bilmirl\u0259r. Bu s\u0259b\u0259bd\u0259n onlar ist\u0259nil\u0259n halda s\u0131\u011fortadan k\u0259narda qalacaq.<\/p>\n<p>\u0130kincisi, m\u00f6vcud qanunda qiym\u0259ti bir milyon olan ev\u0259 d\u0259, 15 min olan ala\u00e7\u0131\u011fa da eyni s\u0131\u011forta al\u0131n\u0131r v\u0259 s\u0131\u011forta hadis\u0259si ba\u015f ver\u0259nd\u0259 eyni miqdarda v\u0259sait \u00f6d\u0259nilm\u0259lidir. \u0130ndi onsuz da \u0259mlak \u00fcz\u0259rind\u0259 h\u00fcquqlar\u0131 h\u0259yata ke\u00e7ir\u0259rk\u0259n, tutaq ki, da\u015f\u0131nmaz \u0259mlak sat\u0131lark\u0259n v\u0259 yaxud dig\u0259r onun \u00fcz\u0259rind\u0259 h\u00fcquqlar h\u0259yata ke\u00e7iril\u0259rk\u0259n, s\u0131\u011fortan\u0131n pulu m\u0259cbur\u0259n \u00f6d\u0259tdirilir. \u0130ndi hans\u0131 yeni qanun, layih\u0259 q\u0259bul olunacaq bilmir\u0259m, amma insanlar var ki, pensiya il\u0259 dolan\u0131r, kas\u0131b adamd\u0131r v\u0259 m\u0259nzili var, ona o pulu \u00f6d\u0259m\u0259k \u00e7\u0259tindir v\u0259 c\u0259rim\u0259l\u0259r d\u0259 y\u0131\u011f\u0131landa onu \u00f6d\u0259y\u0259 bilm\u0259y\u0259c\u0259k, milyonlarla pullar al\u0131nacaq. \u00c7\u00fcnki h\u0259r bir aydan bir c\u0259rim\u0259 yenil\u0259n\u0259c\u0259k, d\u00f6vl\u0259t d\u0259 ax\u0131rda onu \u00f6z\u00fc \u00f6d\u0259m\u0259y\u0259 m\u0259cbur olacaq. Ona g\u00f6r\u0259 d\u0259 burada ciddi d\u00fc\u015f\u00fcnm\u0259k laz\u0131md\u0131r&#8221;.<\/p>\n<p><strong>Ekspertin fikrinc\u0259, b\u00fct\u00fcn d\u00fcnyada s\u0131\u011fortan\u0131n prinsipi var v\u0259 yaln\u0131z \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xsl\u0259r qar\u015f\u0131s\u0131nda m\u0259suliyy\u0259tin s\u0131\u011fortas\u0131 icbari ola bil\u0259r:<\/strong>\u00a0\u201cY\u0259ni m\u0259nim \u0259mlak\u0131md\u0131r, m\u0259nim can\u0131md\u0131r, onun \u00fcz\u0259rind\u0259 m\u0259n \u00f6z\u00fcm s\u0259r\u0259ncam verir\u0259m ki, onu s\u0131\u011fortalayacam, ya s\u0131\u011fortalamayacam, bunu m\u0259n \u00f6z\u00fcm bil\u0259r\u0259m. O ba\u015fqa m\u0259s\u0259l\u0259dir ki, d\u00f6vl\u0259t s\u0131\u011forta\u00e7\u0131 qismind\u0259 \u00e7\u0131x\u0131\u015f edir, \u00e7ox m\u0259s\u0259l\u0259l\u0259rd\u0259 kimin evi yan\u0131r, kimin evini sel apar\u0131r v\u0259 yaxud dig\u0259r q\u0259zalar olur v\u0259 d\u00f6vl\u0259td\u0259n t\u0259l\u0259b edir ki, m\u0259nim pulumu \u00f6d\u0259. \u018fslind\u0259 bel\u0259 olmal\u0131 deyil. H\u0259r k\u0259s k\u00f6n\u00fcll\u00fc sur\u0259td\u0259 s\u0131\u011fortalamal\u0131d\u0131r, s\u0131\u011forta hadis\u0259si d\u0259 ba\u015f ver\u0259nd\u0259 d\u00f6vl\u0259t deyil, s\u0131\u011forta onu verm\u0259lidir. Bel\u0259likl\u0259, \u0259g\u0259r k\u00f6n\u00fcll\u00fc deyils\u0259, onu m\u0259cbur etm\u0259k al\u0131nmayacaq\u201d.<\/p>\n<p><strong>Xalid\u0259 G\u018fRAY,<br \/>\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sahib M\u0259mm\u0259dov: \u201cBu m\u0259s\u0259l\u0259d\u0259 ciddi d\u00fc\u015f\u00fcnm\u0259k laz\u0131md\u0131r, ona g\u00f6r\u0259 ki&#8230;\u201d\u00a0 Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n m\u0259cburi s\u0131\u011fortas\u0131 haqq\u0131nda qanun layih\u0259si haz\u0131rlan\u0131b. Bunu Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) ba\u015f direktoru V\u00fcsal Qurbanov T\u00fcrk D\u00fcnyas\u0131 S\u0131\u011forta Birliyinin 1-ci Assambleyas\u0131nda deyib. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, t\u0259\u015f\u0259bb\u00fcsd\u0259 \u0259sas m\u0259qs\u0259d f\u0259lak\u0259tli riskl\u0259rin d\u00f6vl\u0259t \u00fc\u00e7\u00fcn yaratd\u0131\u011f\u0131 fiskal y\u00fck\u00fc azaltmaqd\u0131r (Report). \u201cBu sistemin t\u0259tbiqi f\u0259lak\u0259tli riskl\u0259rin s\u0131\u011forta \u015firk\u0259tl\u0259rin\u0259 v\u0259 b\u00fct\u00f6vl\u00fckd\u0259 sektora \u00f6t\u00fcr\u00fclm\u0259sin\u0259 imkan ver\u0259c\u0259k. Buraya m\u00fcnt\u0259z\u0259m olaraq ba\u015f ver\u0259n sosial riskl\u0259r, o c\u00fcml\u0259d\u0259n yan\u011f\u0131n v\u0259 partlay\u0131\u015flar da daxildir. \u018fsas m\u0259qs\u0259d bu riskl\u0259rin n\u0259tic\u0259l\u0259rinin qar\u015f\u0131s\u0131n\u0131n al\u0131nmas\u0131d\u0131r. Qeyd etm\u0259k ist\u0259rdim ki, bel\u0259 riskl\u0259rin&hellip;<\/p>\n","protected":false},"author":2,"featured_media":827151,"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\/09\/4c3c7c37d6fe873c04a28ef1d8681027-1.png",690,460,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/4c3c7c37d6fe873c04a28ef1d8681027-1.png",690,460,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/4c3c7c37d6fe873c04a28ef1d8681027-1.png",690,460,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/4c3c7c37d6fe873c04a28ef1d8681027-1-500x280.png",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/4c3c7c37d6fe873c04a28ef1d8681027-1-548x365.png",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/4c3c7c37d6fe873c04a28ef1d8681027-1.png",640,427,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/4c3c7c37d6fe873c04a28ef1d8681027-1.png",690,460,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/4c3c7c37d6fe873c04a28ef1d8681027-1.png",690,460,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/4c3c7c37d6fe873c04a28ef1d8681027-1-240x172.png",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/09\/4c3c7c37d6fe873c04a28ef1d8681027-1.png",690,460,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":"Sahib M\u0259mm\u0259dov: \u201cBu m\u0259s\u0259l\u0259d\u0259 ciddi d\u00fc\u015f\u00fcnm\u0259k laz\u0131md\u0131r, ona g\u00f6r\u0259 ki&#8230;\u201d\u00a0 Az\u0259rbaycanda da\u015f\u0131nmaz \u0259mlak\u0131n m\u0259cburi s\u0131\u011fortas\u0131 haqq\u0131nda qanun layih\u0259si haz\u0131rlan\u0131b. Bunu Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n (AMB) ba\u015f direktoru V\u00fcsal Qurbanov T\u00fcrk D\u00fcnyas\u0131 S\u0131\u011forta Birliyinin 1-ci Assambleyas\u0131nda deyib. Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, t\u0259\u015f\u0259bb\u00fcsd\u0259 \u0259sas m\u0259qs\u0259d f\u0259lak\u0259tli riskl\u0259rin d\u00f6vl\u0259t \u00fc\u00e7\u00fcn yaratd\u0131\u011f\u0131 fiskal y\u00fck\u00fc azaltmaqd\u0131r (Report). \u201cBu sistemin t\u0259tbiqi f\u0259lak\u0259tli riskl\u0259rin&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/827149"}],"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=827149"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/827149\/revisions"}],"predecessor-version":[{"id":827152,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/827149\/revisions\/827152"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/827151"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=827149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=827149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=827149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}