{"id":176295,"date":"2023-05-05T09:44:49","date_gmt":"2023-05-05T05:44:49","guid":{"rendered":""},"modified":"-0001-11-30T00:00:00","modified_gmt":"-0001-11-29T20:00:00","slug":"","status":"publish","type":"post","link":"https:\/\/ucnoqta.az\/?p=176295","title":{"rendered":"Evl\u0259rin s\u0131\u011fortas\u0131na n\u0259zar\u0259t art\u0131r\u00a0–"},"content":{"rendered":"

Az\u0259rbaycanda yax\u0131n müdd\u0259td\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 müqavil\u0259l\u0259ri elektron olacaq. Bu bar\u0259d\u0259 jurnalistl\u0259r\u0259 m\u0259lumat ver\u0259n \u0130cbari S\u0131\u011forta Bürosunun icraç\u0131 direktoru R\u0259\u015fad \u018fhm\u0259dov deyib ki, art\u0131q \u0130cbari S\u0131\u011forta Bürosunun sistemi il\u0259 \u0130qtisadiyyat Nazirliyi yan\u0131nda \u018fmlak M\u0259s\u0259l\u0259l\u0259ri Dövl\u0259t Xidm\u0259tinin sistemi aras\u0131nda inteqrasiya prosesi ba\u015fa çat\u0131b. <\/strong><\/p>\n

Maraql\u0131d\u0131r, da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 müqavil\u0259l\u0259rinin elektronla\u015fmas\u0131 n\u0259y\u0259 xidm\u0259t ed\u0259c\u0259k?<\/p>\n

Ucnoqta.az "Qafqazinfo"ya istinad\u0259n x\u0259b\u0259r verir ki, ölk\u0259 qanunvericiliyin\u0259 gör\u0259, da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 da\u015f\u0131nmaz \u0259mlak\u0131n yan\u011f\u0131n v\u0259 ya dig\u0259r hadis\u0259l\u0259r n\u0259tic\u0259sind\u0259 z\u0259d\u0259l\u0259nm\u0259si, m\u0259hv olmas\u0131, yaxud h\u0259r hans\u0131 formada itkisi il\u0259 ba\u011fl\u0131 d\u0259y\u0259n z\u0259r\u0259rin \u0259v\u0259zinin öd\u0259nilm\u0259si m\u0259qs\u0259dil\u0259 t\u0259tbiq edilir. Bu bax\u0131mdan hüquqi v\u0259 fiziki \u015f\u0259xsl\u0259r\u0259 m\u0259xsus tikilil\u0259rin, ya\u015fay\u0131\u015f v\u0259 qeyri-ya\u015fay\u0131\u015f sah\u0259l\u0259rinin, ya\u015fay\u0131\u015f evl\u0259ri v\u0259 binalar\u0131n\u0131n, m\u0259nzill\u0259rin, habel\u0259 dövl\u0259t \u0259mlak\u0131n\u0131n s\u0131\u011fortas\u0131 m\u0259cburidir. <\/p>\n

Lakin reall\u0131q ondan ibar\u0259tdir ki, ölk\u0259d\u0259 \u0259sas\u0259n qeyri-ya\u015fay\u0131\u015f sah\u0259l\u0259ri (ticar\u0259t v\u0259 xidm\u0259t f\u0259aliyy\u0259ti apar\u0131lan obyektl\u0259r) icbari qaydada s\u0131\u011fortalan\u0131r. Ya\u015fay\u0131\u015f sah\u0259l\u0259rinin \u0259ks\u0259riyy\u0259ti is\u0259 prosesd\u0259n yay\u0131na bilir. Mü\u015fahid\u0259l\u0259r onu göst\u0259rir ki, ya\u015fay\u0131\u015f sah\u0259l\u0259ri bir qayda olaraq notarial h\u0259r\u0259k\u0259tl\u0259r (alq\u0131-satq\u0131, addan-ada keçirm\u0259, ipoteka v\u0259 dig\u0259r) zaman\u0131 s\u0131\u011forta edilir. Bel\u0259 ki, da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 olunmam\u0131\u015f \u0259mlakla ba\u011fl\u0131 bu prosedurlar h\u0259yata keçirilmir.     <\/p>\n

Qanunvericilikl\u0259 qeyri-ya\u015fay\u0131\u015f sah\u0259l\u0259rinin icbari s\u0131\u011fortalanmas\u0131na n\u0259zar\u0259t Fövq\u0259lad\u0259 Hallar Nazirliyin\u0259 aiddir. \u0130nzibati X\u0259talar M\u0259c\u0259ll\u0259sin\u0259 \u0259sas\u0259n, s\u0131\u011fortaç\u0131 il\u0259 icbari s\u0131\u011forta müqavil\u0259sinin ba\u011flanmamas\u0131na gör\u0259 fiziki \u015f\u0259xsl\u0259r 30 manat, v\u0259zif\u0259li \u015f\u0259xsl\u0259r 80 manat, hüquqi \u015f\u0259xsl\u0259r is\u0259 200 manat m\u0259bl\u0259\u011find\u0259 c\u0259rim\u0259 edilir.<\/p>\n

C\u0259rim\u0259 ya\u015fay\u0131\u015f sah\u0259l\u0259rinin icbari s\u0131\u011fortalanmamas\u0131na da aiddir. Sözüged\u0259n M\u0259c\u0259ll\u0259 il\u0259 f\u0259rdi evl\u0259r v\u0259 m\u0259nzill\u0259rin sahibl\u0259ri \u0259sas\u0259n fiziki \u015f\u0259xsl\u0259r oldu\u011fu üçün onlar\u0131n da 30 manat c\u0259rim\u0259l\u0259nm\u0259si n\u0259z\u0259rd\u0259 tutulub. \u015e\u0259xs bu madd\u0259d\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f icbari s\u0131\u011forta müqavil\u0259sinin ba\u011flanmamas\u0131na gör\u0259 inzibati m\u0259suliyy\u0259t\u0259 c\u0259lb olunduqda, 20 gün \u0259rzind\u0259 icbari s\u0131\u011forta müqavil\u0259sini ba\u011flamal\u0131d\u0131r. \u018fks t\u0259qdird\u0259, bu müdd\u0259td\u0259n sonra yenid\u0259n c\u0259rim\u0259l\u0259nir. <\/p>\n

Ancaq reall\u0131qda f\u0259rdi evl\u0259rin v\u0259 m\u0259nzill\u0259rin sahibl\u0259ri da\u015f\u0131nmaz \u0259mlaklar\u0131n\u0131 s\u0131\u011fortalamad\u0131qlar\u0131na gör\u0259 c\u0259rim\u0259l\u0259nmirl\u0259r. Bunun s\u0259b\u0259bl\u0259rind\u0259n biri indiy\u0259d\u0259k n\u0259zar\u0259t mexanizminin olmamas\u0131d\u0131r. Da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 müqavil\u0259l\u0259rinin elektronla\u015fmas\u0131 bu problemi h\u0259ll etm\u0259kl\u0259 hans\u0131 da\u015f\u0131nmaz \u0259mlak\u0131n s\u0131\u011fortalan\u0131b-s\u0131\u011fortalanmad\u0131\u011f\u0131n\u0131 mü\u0259yy\u0259n etm\u0259y\u0259 imkan yaratm\u0131\u015f olacaq.<\/p>\n

M\u0259s\u0259l\u0259n, avtomobill\u0259rin icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 proses elektronla\u015fd\u0131\u011f\u0131ndan s\u0131\u011fortas\u0131 olmayan avtomobil elektron vasit\u0259l\u0259rl\u0259 mü\u0259yy\u0259n olunur v\u0259 c\u0259rim\u0259l\u0259nir. Bu bar\u0259d\u0259 avtomobilin sahibi m\u0259lumatland\u0131r\u0131l\u0131r. 20 gün \u0259rzind\u0259 s\u0131\u011fortalanma h\u0259yata keçirilm\u0259diyi halda yenid\u0259n c\u0259rim\u0259 t\u0259tbiq olunur. N\u0259tic\u0259d\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortalanmamas\u0131 da inzibati m\u0259suliyy\u0259t yaratmaqla c\u0259rim\u0259l\u0259nm\u0259y\u0259 g\u0259tirib ç\u0131xaracaq. Qanunvericiliy\u0259 gör\u0259, ya\u015fay\u0131\u015f sah\u0259l\u0259rinin icbari s\u0131\u011fortalanmas\u0131na n\u0259zar\u0259ti yerli icra hakimiyy\u0259ti orqanlar\u0131 h\u0259yata keçirm\u0259lidir. <\/p>\n

Xat\u0131rlatmaq yerin\u0259 dü\u015f\u0259r ki, 2019-cu ilin sonunda 2020-ci ild\u0259n ba\u015flayaraq da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 il\u0259 ba\u011fl\u0131 n\u0259zar\u0259t t\u0259dbirl\u0259rinin gücl\u0259ndiril\u0259c\u0259yi v\u0259 c\u0259rim\u0259l\u0259rin t\u0259tbiq edil\u0259c\u0259yi il\u0259 ba\u011fl\u0131 t\u0259bli\u011fat\u0131n apar\u0131lmas\u0131 fonunda f\u0259rdi evl\u0259rin v\u0259 m\u0259nzill\u0259rin kütl\u0259vi \u015f\u0259kild\u0259 s\u0131\u011fortalanmas\u0131na ba\u015flan\u0131lm\u0131\u015fd\u0131. M\u0259rk\u0259zi Bank\u0131n m\u0259lumat\u0131na gör\u0259, 2020-ci ilin yanvar-mart aylar\u0131nda s\u0131\u011forta \u015firk\u0259tl\u0259rinin da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 üzr\u0259 toplad\u0131qlar\u0131 s\u0131\u011forta haqlar\u0131n\u0131n m\u0259bl\u0259\u011fi 17 milyon 845,3 min manat t\u0259\u015fkil etmi\u015fdi ki, bu da 2019-cu ilin müvafiq dövrü il\u0259 müqayis\u0259d\u0259 94,9 faiz çox idi. <\/p>\n

\u0130cbari S\u0131\u011forta Bürosunun icraç\u0131 direktoru R\u0259\u015fad \u018fhm\u0259dov hesab edir ki, da\u015f\u0131nmaz \u0259mlak\u0131n icbar\u0131 s\u0131\u011fortas\u0131n\u0131n elektronla\u015fmas\u0131 cari ild\u0259 bu s\u0131\u011forta növü üzr\u0259 y\u0131\u011f\u0131mlar\u0131n 50 milyon manatdan 100 milyon manata kimi artmas\u0131na imkan ver\u0259c\u0259k. <\/p>\n

Yeri g\u0259lmi\u015fk\u0259n, t\u0259kc\u0259 öt\u0259n il \u015firk\u0259tl\u0259r bu s\u0131\u011forta növü üzr\u0259 53 milyon 980 min manat toplasalar da, 1 milyon 95 min manat öd\u0259ni\u015f edibl\u0259r. Ba\u015fqa sözl\u0259, \u015firk\u0259tl\u0259r da\u015f\u0131nmaz \u0259mlak\u0131n icbar\u0131 s\u0131\u011fortas\u0131 üzr\u0259 toplad\u0131qlar\u0131 v\u0259saitin c\u0259mi 2,03 faizi  m\u0259bl\u0259\u011find\u0259 s\u0131\u011forta öd\u0259ni\u015fi edibl\u0259r. Müqayis\u0259 üçün dey\u0259k ki, bu dövrd\u0259 avtomobill\u0259rin icbari s\u0131\u011fortas\u0131nda y\u0131\u011f\u0131lm\u0131\u015f s\u0131\u011forta haqq\u0131n\u0131n 79,3 faizi s\u0131\u011forta öd\u0259ni\u015fl\u0259rin\u0259 yön\u0259ldilib. Bu bax\u0131mdan da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 s\u0131\u011forta \u015firk\u0259tl\u0259ri üçün böyük \u0259h\u0259miyy\u0259t\u0259 malikdir. <\/p>\n

Qeyd ed\u0259k ki, f\u0259rdi evl\u0259r v\u0259 m\u0259nzill\u0259r üzr\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 haqq\u0131 Bak\u0131 \u015f\u0259h\u0259rind\u0259 50 manat, G\u0259nc\u0259, Sumqay\u0131t v\u0259 Naxç\u0131van \u015f\u0259h\u0259rl\u0259rind\u0259 40 manat, dig\u0259r ya\u015fay\u0131\u015f m\u0259nt\u0259q\u0259l\u0259rind\u0259 is\u0259 30 manatd\u0131r. Bak\u0131 \u015f\u0259h\u0259rind\u0259 yerl\u0259\u015f\u0259n da\u015f\u0131nmaz \u0259mlak üzr\u0259 s\u0131\u011forta m\u0259bl\u0259\u011fi 25 min manat (azadolma m\u0259bl\u0259\u011fi 250 manat), G\u0259nc\u0259, Sumqay\u0131t v\u0259 Naxç\u0131van \u015f\u0259h\u0259rl\u0259rind\u0259 20 min manat (azadolma m\u0259bl\u0259\u011fi 200 manat), dig\u0259r ya\u015fay\u0131\u015f m\u0259nt\u0259q\u0259l\u0259rind\u0259 yerl\u0259\u015f\u0259n da\u015f\u0131nmaz \u0259mlak üzr\u0259 s\u0131\u011forta m\u0259bl\u0259\u011fi 15 min manatd\u0131r (azadolma m\u0259bl\u0259\u011fi 150 manat). Azadolma m\u0259bl\u0259\u011fi s\u0131\u011forta hadis\u0259si n\u0259tic\u0259sind\u0259 yaranan itkil\u0259rin v\u0259 ya d\u0259y\u0259n z\u0259r\u0259rin s\u0131\u011forta t\u0259minat\u0131 il\u0259 \u0259hat\u0259 olunmayan v\u0259 s\u0131\u011fortal\u0131n\u0131n üz\u0259rind\u0259 qalan hiss\u0259sidir. <\/p>\n","protected":false},"excerpt":{"rendered":"

Az\u0259rbaycanda yax\u0131n müdd\u0259td\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 müqavil\u0259l\u0259ri elektron olacaq. Bu bar\u0259d\u0259 jurnalistl\u0259r\u0259 m\u0259lumat ver\u0259n \u0130cbari S\u0131\u011forta Bürosunun icraç\u0131 direktoru R\u0259\u015fad \u018fhm\u0259dov deyib ki, art\u0131q \u0130cbari S\u0131\u011forta Bürosunun sistemi il\u0259…<\/p>\n","protected":false},"author":1,"featured_media":251278,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[101],"tags":[],"class_list":["post-176295","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cemiyyet"],"_links":{"self":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/176295","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=176295"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/176295\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/media\/251278"}],"wp:attachment":[{"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=176295"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=176295"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=176295"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}