{"id":64573,"date":"2018-05-23T19:00:52","date_gmt":"2018-05-23T15:00:52","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=64573","title":{"rendered":"\u0130poteka kreditl\u0259ri il\u0259 m\u0259nzil alanlar\u0131n say\u0131 art\u0131r- Ekspert r\u0259yl\u0259ri<\/b><\/font>"},"content":{"rendered":"
Ramil Osmanl\u0131:<\/strong> “Arzu ed\u0259rdim ki, ipoteka v\u0259 kredit z\u0259man\u0259t fondu faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 baxs\u0131n”<\/em><\/div>\n
Vüqar Bayramov:<\/strong> “Xidm\u0259t müqavil\u0259si il\u0259 i\u015fl\u0259y\u0259nl\u0259rin ipoteka kreditl\u0259rin\u0259 müraci\u0259t qaydalar\u0131 asanla\u015f\u0131b”<\/em><\/p>\n

Son dövrl\u0259rd\u0259 ipoteka kreditl\u0259ri il\u0259 m\u0259nzil alanlar\u0131n say\u0131nda art\u0131m mü\u015fahid\u0259 olunur. Düzdür, faiz d\u0259r\u0259c\u0259l\u0259rind\u0259 d\u0259yi\u015fiklikl\u0259r olmasa da, bu sah\u0259d\u0259 bir s\u0131ra yeni f\u0259rmanlar, hüquqi aktlar q\u0259bul olunur. B\u0259s gör\u0259s\u0259n, bu d\u0259yi\u015fiklikl\u0259r n\u0259 il\u0259 \u0259laq\u0259dard\u0131r? Qar\u015f\u0131dak\u0131 dövr üçün n\u0259l\u0259r gözl\u0259nilir?<\/p>\n

Mövzu il\u0259 ba\u011fl\u0131 “Üç nöqt\u0259”y\u0259 aç\u0131qlama ver\u0259n \u018fmlak Ekspert m\u0259rk\u0259zinin direktoru Ramin Osmanl\u0131  bildirdi ki, son ill\u0259rd\u0259 ipoteka kreditl\u0259\u015fm\u0259si il\u0259 ba\u011fl\u0131 bir çox mühüm q\u0259rarlar q\u0259bul olunub: \"\"“M\u0259s\u0259l\u0259n, ipoteka kreditl\u0259rinin elektronla\u015fmas\u0131, ipoteka fondu t\u0259r\u0259find\u0259n öd\u0259nil\u0259n maksimal m\u0259bl\u0259\u011fl\u0259rin art\u0131r\u0131lmas\u0131, eyni zamanda ipoteka \u0259lçatanl\u0131\u011f\u0131n\u0131n v\u0259 ipoteka prosesinin t\u0259kmill\u0259\u015fdirilm\u0259si il\u0259 ba\u011fl\u0131 c\u0259nab prezidentin imzalad\u0131\u011f\u0131 f\u0259rmanlar, Nazirl\u0259r kabinetinin q\u0259bul etdiyi q\u0259rarlar bu istiqam\u0259td\u0259 prosesin daha da sür\u0259tl\u0259nm\u0259sin\u0259 t\u0259kan verir. C\u0259nab prezidentin müvafiq icra hakimiyy\u0259ti orqanlar\u0131na v\u0259 hökum\u0259t\u0259 mü\u0259yy\u0259n tap\u015f\u0131r\u0131q v\u0259 tövsiy\u0259l\u0259ri, eyni zamanda q\u0259rarlar\u0131 olub. Bu s\u0259b\u0259bd\u0259n d\u0259 ipoteka kreditl\u0259rinin verilm\u0259si sür\u0259tl\u0259nib v\u0259 aktivl\u0259\u015fib”.<\/p>\n

R.Osmanl\u0131 deyir ki, bir neç\u0259 gün \u0259vv\u0259l ipoteka kreditl\u0259\u015fm\u0259si, ipoteka fondunun f\u0259aliyy\u0259tinin t\u0259kmill\u0259\u015fdirilm\u0259si il\u0259 ba\u011fl\u0131 prezidentin f\u0259rman\u0131 v\u0259 Nazirl\u0259r kabinetinin d\u0259 bir q\u0259rar\u0131 oldu: “Dü\u015fünür\u0259m ki, h\u0259r iki add\u0131m bu prosesi daha da sür\u0259tl\u0259ndir\u0259c\u0259k. Çünki burada iki \u0259h\u0259miyy\u0259tli m\u0259qam – ipoteka götür\u0259nin g\u0259lirl\u0259ri bar\u0259d\u0259 t\u0259qdim olunan hesabat dövrünün iki ild\u0259n s\u0259kkiz aya q\u0259d\u0259r azald\u0131lmas\u0131, y\u0259ni, g\u0259lirl\u0259rin hesablanmas\u0131 il\u0259 ba\u011fl\u0131 art\u0131q iki illik deyil, s\u0259kkiz ayl\u0131q müdd\u0259t n\u0259z\u0259rd\u0259 tutulub. \u0130kincisi is\u0259, sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olanlar\u0131n ipoteka krediti götürm\u0259si zaman\u0131 t\u0259qdim ed\u0259c\u0259yi g\u0259lirl\u0259rin müdd\u0259ti iki ild\u0259n, bir il\u0259 endirilib. Hesab edir\u0259m ki, bu q\u0259rarlar prosesi bir q\u0259d\u0259r d\u0259 sür\u0259tl\u0259ndir\u0259c\u0259k. Bu istiqam\u0259td\u0259 \u0259n mühüm add\u0131mlardan biri ipotekan\u0131n faiz d\u0259r\u0259c\u0259l\u0259rinin azald\u0131lmas\u0131d\u0131r. Arzu ed\u0259rdim ki, \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 baxs\u0131n. Y\u0259qin ki, baxacaq. Çünki bu q\u0259rarlar\u0131n q\u0259bul olunmas\u0131 dü\u015fünür\u0259m ki, bu istiqam\u0259td\u0259 yeni q\u0259rarlar\u0131 aktualla\u015fd\u0131r\u0131r. Çünki normativ hüquqi aktlara d\u0259yi\u015fiklik edilib, q\u0259rarlar q\u0259bul olunub v\u0259 s. Yegan\u0259 d\u0259yi\u015fm\u0259y\u0259n m\u0259s\u0259l\u0259 faiz d\u0259r\u0259c\u0259l\u0259rdir. \u018fg\u0259r faiz d\u0259r\u0259c\u0259l\u0259ri d\u0259yi\u015f\u0259rs\u0259, bu proses daha da sür\u0259tl\u0259n\u0259c\u0259k”.<\/p>\n

R. Osmanl\u0131n\u0131n sözl\u0259rin\u0259 gör\u0259, ölk\u0259d\u0259 makro-iqtisadi v\u0259ziyy\u0259tin d\u0259yi\u015fm\u0259si, iqtisadiyyat\u0131n bütün sah\u0259l\u0259rin\u0259, o cüml\u0259d\u0259n da\u015f\u0131nmaz \u0259mlak bazar\u0131nda v\u0259ziyy\u0259t\u0259 m\u0259nfi t\u0259sir göst\u0259rdi: “O cüml\u0259d\u0259n Maliyy\u0259 bazar\u0131nda ba\u015f ver\u0259n prosesl\u0259r bazara pul ax\u0131nlar\u0131n\u0131 xeyli d\u0259r\u0259c\u0259d\u0259 a\u015fa\u011f\u0131 sald\u0131. M\u0259nzilin potensial al\u0131c\u0131 kütl\u0259si mü\u0259yy\u0259n bir dövrd\u0259 bazardan uzaqla\u015fd\u0131. Daha çox öz v\u0259saitl\u0259rini na\u011fd pul formas\u0131nda saxlama\u011fa üstünlük verdil\u0259r. Bundan ba\u015fqa,  bank sektorunda ba\u015f ver\u0259n prosesl\u0259r – bir s\u0131ra banklar\u0131n bazardan ç\u0131xmas\u0131, iflasa u\u011framas\u0131 bu prosesl\u0259r\u0259 mü\u0259yy\u0259n q\u0259d\u0259r m\u0259nfi t\u0259sir göst\u0259rdi.  Amma bildiyimiz kimi, son bir il \u0259rzind\u0259 manat\u0131n m\u0259z\u0259nn\u0259si sabitl\u0259\u015fib v\u0259 indi manat\u0131n m\u0259z\u0259nn\u0259sinin d\u0259yi\u015fm\u0259si il\u0259 ba\u011fl\u0131 heç bir iqtisadi \u0259sas da mövcud deyil. Ona gör\u0259 d\u0259, hesab etmir\u0259m ki, bundan sonrak\u0131 dövrd\u0259 ipoteka prosesi, eyni zamanda da\u015f\u0131nmaz \u0259mlak bazar\u0131 maliyy\u0259 bazar\u0131ndan as\u0131l\u0131 v\u0259ziyy\u0259td\u0259 olsun”.<\/p>\n

\u0130qtisadç\u0131-alim Vüqar Bayramov  is\u0259 bildirdi ki, xidm\u0259t müqavil\u0259si il\u0259 i\u015fl\u0259y\u0259nl\u0259rin ipoteka kreditl\u0259rin\u0259 müraci\u0259t qaydalar\u0131 asanla\u015f\u0131b: “Nazirl\u0259r Kabinetinin “Az\u0259rbaycan Respublikas\u0131 \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun v\u0259saiti hesab\u0131na veril\u0259n ipoteka krediti, o cüml\u0259d\u0259n güz\u0259\u015ftli ipoteka krediti üzr\u0259 borcalan\u0131n (borcalanlar\u0131n) ayl\u0131q m\u0259cmu g\u0259lirinin hesablanmas\u0131 Qaydas\u0131”nda etdiyi d\u0259yi\u015fiklikl\u0259r il\u0259 bu realla\u015f\u0131b”.
\n\"\"Yeni d\u0259yi\u015fiklikl\u0259ri n\u0259z\u0259r\u0259 çatd\u0131ran iqtisadç\u0131-alim vur\u011fulad\u0131 ki, \u0259vv\u0259ll\u0259r müraci\u0259t üçün \u0259n az\u0131 12 ay i\u015f f\u0259aliyy\u0259ti t\u0259l\u0259b edilirdis\u0259 indi bu r\u0259q\u0259m 6 ayad\u0259k azald\u0131l\u0131b: “Eyni zamanda, orta ayl\u0131q g\u0259lir hesablanan zaman 12 ay deyil, faktiki aylar\u0131n say\u0131 n\u0259z\u0259r\u0259 al\u0131nacaq. Y\u0259ni, ipoteka krediti üçün müraci\u0259t ed\u0259n v\u0259t\u0259nda\u015f\u0131m\u0131z\u0131n yaln\u0131z son 8 ayda i\u015f f\u0259aliyy\u0259ti varsa onun g\u0259lirl\u0259ri c\u0259ml\u0259n\u0259r\u0259k 8-\u0259 bölün\u0259c\u0259k. \u018fvv\u0259ll\u0259r 12 aydan az f\u0259aliyy\u0259ti olanlar ipoteka kreditl\u0259rin\u0259 müraci\u0259t etm\u0259k hüququna malik deyildil\u0259r”.<\/div>\n

V. Bayramov \u0259lav\u0259 etdi ki, d\u0259yi\u015fikliy\u0259 \u0259sas\u0259n, sahibkarl\u0131q f\u0259aliyy\u0259tind\u0259n \u0259ld\u0259 edil\u0259n g\u0259lirl\u0259r hesablanan zaman \u0259vv\u0259lki qaydalara \u0259sas\u0259n kredit müraci\u0259t ed\u0259n \u015f\u0259xs \u0259n az\u0131 2 il bel\u0259 f\u0259aliyy\u0259t il\u0259 m\u0259\u015f\u011ful olmas\u0131 t\u0259l\u0259b olunurdusa, indi son 1 il sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olmaq kifay\u0259t ed\u0259c\u0259k: “D\u0259yi\u015fikliy\u0259 \u0259sas\u0259n xidm\u0259t sah\u0259l\u0259ri üzr\u0259 sad\u0259l\u0259\u015fdirilmi\u015f vergi öd\u0259yicil\u0259ri üzr\u0259 n\u0259z\u0259r\u0259 al\u0131nan ayl\u0131q m\u0259cmu g\u0259lirin m\u0259bl\u0259\u011fi orta ayl\u0131q dövriyy\u0259nin 40 faizind\u0259n deyil, 70 faizind\u0259n çox olmayacaq. Y\u0259ni, ipotekaya müraci\u0259t ed\u0259n sahibkarl\u0131q f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olan \u015f\u0259xsin g\u0259lirinin 70 faizi h\u0259cmin\u0259d\u0259k ayl\u0131q kredit öd\u0259ni\u015f m\u0259bl\u0259\u011fi mü\u0259yy\u0259nl\u0259\u015fdiril\u0259 bil\u0259c\u0259k”.<\/p>\n

\u0130qtisadç\u0131-alimin sözl\u0259rin\u0259 gör\u0259, yeni qaydalara \u0259sas\u0259n, ipoteka kreditin\u0259 müraci\u0259td\u0259 ayl\u0131q m\u0259cmu g\u0259lirinin hesablanmas\u0131 zaman\u0131 Az\u0259rbaycanda \u0259ld\u0259 edil\u0259n, h\u0259m d\u0259 onun hüdudlar\u0131ndan k\u0259nardak\u0131 m\u0259nb\u0259l\u0259rd\u0259n daxil olan milli v\u0259 xarici valyutadak\u0131 g\u0259lirl\u0259ri n\u0259z\u0259r\u0259 al\u0131n\u0131r: “M\u0259s\u0259l\u0259n, ipoteka krediti almaq ist\u0259y\u0259n \u015f\u0259xs xaricd\u0259n h\u0259r hans\u0131 g\u0259liri varsa v\u0259 onu t\u0259sdiq ed\u0259n s\u0259n\u0259d\u0259 malikdirs\u0259, o zaman h\u0259min m\u0259bl\u0259\u011f orta ayl\u0131q g\u0259lirin hesablanmas\u0131 zamani istifad\u0259 edil\u0259 bil\u0259c\u0259k”.<\/p><\/div>\n

V. Bayramov dedi ki, son d\u0259yi\u015fiklikl\u0259r t\u0259qdir\u0259 layiq olsa bel\u0259, ipoteka kreditl\u0259rin\u0259 \u0259lçatanl\u0131\u011f\u0131n geni\u015fl\u0259ndirilm\u0259si üçün h\u0259m adi, h\u0259m d\u0259 sosial ipoteka kreditl\u0259ri üzr\u0259 faizl\u0259rin a\u015fa\u011f\u0131 sal\u0131nmas\u0131 v\u0259 ilkin öd\u0259ni\u015fl\u0259rin azald\u0131lmas\u0131na da ehtiyac var.<\/p>\n

\u018fmlak m\u0259s\u0259l\u0259l\u0259ri üzr\u0259 ekspert Vüqar Orucov is\u0259 bildirir ki, Bak\u0131da yeni tikilil\u0259rd\u0259 sat\u0131lan m\u0259nzill\u0259ri almaq üçün \u0259n s\u0259rf\u0259li variant onlar\u0131 uzunmüdd\u0259tli kreditl\u0259 almaqd\u0131r. Onun sözl\u0259rin\u0259 gör\u0259, haz\u0131rda Bak\u0131 \u015f\u0259h\u0259ri v\u0259 \u0259traf q\u0259s\u0259b\u0259l\u0259rd\u0259 sal\u0131nan yeni  ya\u015fay\u0131\u015f kompleksl\u0259rind\u0259 m\u0259nzill\u0259r uzunmüdd\u0259tli kreditl\u0259 çox kiçik ayl\u0131q öd\u0259ni\u015fl\u0259rl\u0259 sat\u0131l\u0131r: “Bu kredit sisteml\u0259rind\u0259 ayl\u0131q öd\u0259ni\u015fin m\u0259bl\u0259\u011fi a\u015fa\u011f\u0131 olsa da, kredit uzunmüdd\u0259tli oldu\u011funa gör\u0259, son n\u0259tic\u0259d\u0259 öd\u0259nil\u0259n m\u0259bl\u0259\u011f m\u0259nzilin na\u011fd qiym\u0259tind\u0259n bir neç\u0259 d\u0259f\u0259 art\u0131q olur. M\u0259nzill\u0259ri uzunmüdd\u0259tli kreditl\u0259 almaqdan ç\u0259kinm\u0259k laz\u0131m deyil. \u018flb\u0259tt\u0259 ki, uzunmüdd\u0259tli olsa da, ayl\u0131q öd\u0259ni\u015fin a\u015fa\u011f\u0131 m\u0259bl\u0259\u011fi il\u0259 almaq m\u0259qs\u0259d\u0259uy\u011fundur. Çünki onsuz da t\u0259bii inflyasiya var. Bu inflyasiya bütün dövl\u0259tl\u0259rd\u0259 mövcuddur”.
\nEkspert bildirir ki, uzunmüdd\u0259tli kreditl\u0259 al\u0131nanda h\u0259r il m\u0259nzilin qiym\u0259tin\u0259 faizl\u0259r \u0259lav\u0259 olunur, amma h\u0259tta bu halda da uzunmüdd\u0259tli kreditl\u0259 ev al\u0131nmas\u0131 daha s\u0259rf\u0259lidir: Bu gün öd\u0259diyimiz  m\u0259nzilin d\u0259y\u0259ri g\u0259l\u0259n il, o biri il tamam ba\u015fqa olacaq. H\u0259tta faizl\u0259r \u0259lav\u0259 olunsa da.<\/p>\n

Qeyd ed\u0259k ki, \u0259ks\u0259r hallarda m\u0259nzill\u0259rin sat\u0131\u015f\u0131na tikinti ba\u015fa çatmadan, b\u0259zi hallarda is\u0259 h\u0259tta tikinti ba\u015flamadan start verilir. Al\u0131c\u0131lar\u0131 bel\u0259 halla h\u0259v\u0259sl\u0259ndir\u0259n \u0259sas s\u0259b\u0259b yar\u0131mç\u0131q binalarda qiym\u0259tl\u0259rin h\u0259l\u0259 ucuz olmas\u0131d\u0131r. Bel\u0259 ki, binan\u0131n tikintisi ba\u015fa çatd\u0131qdan sonra qiym\u0259tl\u0259r d\u0259 yüks\u0259lir. Ekspert is\u0259 bildirir ki, sonradan probleml\u0259 üzl\u0259\u015fm\u0259m\u0259k üçün haz\u0131r binalardan ev almaq daha etibarl\u0131d\u0131r: “Bünövr\u0259d\u0259n almaq çox risklidir. Çünki indi riskl\u0259r art\u0131b. B\u0259z\u0259n binada tikinti i\u015fl\u0259ri gedir, amma d\u0259qiq bilmirs\u0259n ba\u015fa çatd\u0131racaqlar ya yox. Binalar\u0131n tikinti i\u015fl\u0259rinin sonuna yax\u0131nla\u015fd\u0131qca, riskl\u0259r d\u0259 azal\u0131r. Al\u0131c\u0131lar ev ald\u0131qda bu amili n\u0259z\u0259r\u0259 almal\u0131d\u0131rlar. Fikir verm\u0259lidirl\u0259r ki, tikinti hans\u0131 m\u0259rh\u0259l\u0259d\u0259dir. N\u0259 q\u0259d\u0259r çox i\u015f görülübs\u0259, o q\u0259d\u0259r risk azd\u0131r. Amma bünövr\u0259d\u0259n almaq m\u0259sl\u0259h\u0259t deyil”. Onun fikrinc\u0259, b\u0259z\u0259n h\u0259tta binada tikinti i\u015fl\u0259rinin apar\u0131lmas\u0131 da onun t\u0259hvil veril\u0259c\u0259yin\u0259  v\u0259 sonradan problemin yaranmayaca\u011f\u0131na z\u0259man\u0259t vermir: “Al\u0131c\u0131 baxmal\u0131d\u0131r ki, \u015firk\u0259t n\u0259 q\u0259d\u0259r ciddidir. V\u0259 onun tarixind\u0259 mü\u015ft\u0259ril\u0259rl\u0259 m\u0259hk\u0259m\u0259 problemi olubmu? Tikintinin sür\u0259ti il\u0259 d\u0259 maraqlanmaq olar. \u018ftraf binalardan da soru\u015fmaq olar ki, do\u011frudanm\u0131 ciddi i\u015f gedir, yoxsa, bu sad\u0259c\u0259 görüntüdür?”. <\/p><\/div>\n

\nKönül \u018fhm\u0259dova<\/strong><\/div>\n","protected":false},"excerpt":{"rendered":"

Ramil Osmanl\u0131: “Arzu ed\u0259rdim ki, ipoteka v\u0259 kredit z\u0259man\u0259t fondu faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 baxs\u0131n” Vüqar Bayramov: “Xidm\u0259t müqavil\u0259si il\u0259 i\u015fl\u0259y\u0259nl\u0259rin ipoteka kreditl\u0259rin\u0259 müraci\u0259t qaydalar\u0131 asanla\u015f\u0131b” Son dövrl\u0259rd\u0259 ipoteka kreditl\u0259ri il\u0259 m\u0259nzil…<\/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-64573","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\/64573","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=64573"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/64573\/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=64573"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=64573"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=64573"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}