{"id":74182,"date":"2019-01-28T13:25:01","date_gmt":"2019-01-28T09:25:01","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=74182","title":{"rendered":"\u201cM\u00fcqavil\u0259 ba\u011flanandan 3 il sonra kiray\u0259\u00e7i m\u0259nzil sahibin\u0259 \u00e7evril\u0259c\u0259k\u201d <\/b><\/font>"},"content":{"rendered":"

Vüqar Bayramov: “Yeni mexanizm\u0259 \u0259sas\u0259n, v\u0259t\u0259nda\u015flar m\u0259nzili kiray\u0259 götürdükd\u0259n sonra ona sahib d\u0259 ola bil\u0259c\u0259kl\u0259r”<\/strong><\/p>\n

Ölk\u0259 Prezidenti “Az\u0259rbaycan Respublikas\u0131 \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun ya\u015fay\u0131\u015f sah\u0259l\u0259rini satmaq öhd\u0259liyi il\u0259 kiray\u0259y\u0259 verm\u0259si Qaydas\u0131n\u0131” t\u0259sdiq etmi\u015fdir: “Bu ölk\u0259mizd\u0259 sosial kiray\u0259 fondunun yarad\u0131lmas\u0131 dem\u0259kdir. Y\u0259ni, ölk\u0259 v\u0259t\u0259nda\u015flar\u0131 ipoteka kreditl\u0259ri il\u0259 yana\u015f\u0131 h\u0259mçinin evl\u0259ri kiray\u0259 götürm\u0259k hüququna malik olacaqlar. Yeni mexanizm\u0259 \u0259sas\u0259n, v\u0259t\u0259nda\u015flar m\u0259nzili kiray\u0259 götürdükd\u0259n sonra ona sahib d\u0259 ola bil\u0259c\u0259kl\u0259r. M\u0259nzili kiray\u0259 ed\u0259n v\u0259t\u0259nda\u015f\u0131m\u0131z\u0131n ayl\u0131q öd\u0259ni\u015fl\u0259ri evin x\u0259rcind\u0259n ç\u0131x\u0131lacaq. Müqavil\u0259 ba\u011flanandan 3 il sonra is\u0259 kiray\u0259çi m\u0259nzilin sahibin\u0259 çevrilm\u0259k imkan\u0131 qazanacaq. Bu zaman o daha çox öd\u0259ni\u015f etm\u0259kl\u0259 müqavil\u0259y\u0259 vaxt\u0131ndan \u0259vv\u0259l xitam verib m\u0259nzil\u0259 sahib olar. V\u0259 ya öd\u0259ni\u015fi davam etdirib 25 il \u0259rzind\u0259 ona sahib ola bil\u0259r”. <\/p>\n

V. Bayramov formala\u015fmaqda olan kiray\u0259 m\u0259nzil fondu il\u0259 ba\u011fl\u0131 \u0259n vacib m\u0259qamlar\u0131 vur\u011fulad\u0131. <\/p>\n

\"\"– Kiray\u0259 m\u0259nzilin verilm\u0259si mexanizmi nec\u0259 olacaq?<\/strong> 
\n– \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun tabeçiliyind\u0259 olan m\u0259nzill\u0259ri kiray\u0259 veril\u0259c\u0259k. V\u0259t\u0259nda\u015flar\u0131m\u0131z fondun t\u0259klif etdiyi \u015f\u0259rtl\u0259r il\u0259 m\u0259nzili kiray\u0259y\u0259 götürm\u0259k imkan\u0131 qazanacaqlar. Bu zaman m\u0259nzill\u0259rin ayl\u0131q kiray\u0259 haqlar\u0131 fondun ev üçün ç\u0259kdiyi x\u0259rcl\u0259r\u0259 \u0259sas\u0259n mü\u0259yy\u0259nl\u0259\u015f\u0259c\u0259k.<\/p>\n

– Fond kiray\u0259 t\u0259klif etm\u0259k üçün v\u0259saiti haradan c\u0259lb ed\u0259c\u0259k? <\/strong>
\n– Qaydalara gör\u0259, fondun kapital\u0131 v\u0259 fondun emissiya etdiyi istiqrazlardan daxil olan v\u0259sait hesab\u0131na evl\u0259r al\u0131nacaq. Qeyd ed\u0259k ki, fondun nizamnam\u0259 kapital\u0131 466 milyon manatd\u0131r.<\/p>\n

– Kiml\u0259r kiray\u0259 m\u0259nzil\u0259 sahib ola bil\u0259r? <\/strong>
\n– M\u0259nzil\u0259 sahib olanlar\u0131n Az\u0259rbaycan v\u0259t\u0259nda\u015f\u0131 olmas\u0131 \u015f\u0259rtdir. Kiray\u0259 m\u0259nzil üçün müraci\u0259t ed\u0259nin vaxt\u0131 keçmi\u015f öhd\u0259likl\u0259ri (bank kreditl\u0259ri v\u0259 dig\u0259r m\u0259cburi öd\u0259ni\u015fl\u0259r üzr\u0259) olmamal\u0131d\u0131r. M\u0259nzill\u0259r\u0259 sahib olmaq üçün mövcud s\u0259n\u0259d ba\u015fqa \u015f\u0259rtl\u0259r mü\u0259yy\u0259nl\u0259\u015fdirm\u0259yib. Bu o dem\u0259kdir ki, öd\u0259m\u0259 qabiliyy\u0259ti olan v\u0259 borc öhd\u0259liyi olmayan ist\u0259nil\u0259n v\u0259t\u0259nda\u015f\u0131m\u0131z kiray\u0259 m\u0259nzill\u0259r\u0259 sahib olmaq üçün müraci\u0259t ed\u0259 bil\u0259r.<\/p>\n

– Ya\u015fay\u0131\u015f sah\u0259sinin qiym\u0259ti nec\u0259 mü\u0259yy\u0259nl\u0259\u015f\u0259c\u0259k? <\/strong>
\n– Qaydalara \u0259sas\u0259n, ya\u015fay\u0131\u015f sah\u0259sinin bazar qiym\u0259tini müst\u0259qil qiym\u0259tl\u0259ndirici mü\u0259yy\u0259n etm\u0259lidir.<\/p>\n

– Kiray\u0259 hans\u0131 müdd\u0259t\u0259 ba\u011flana bil\u0259r? <\/strong>
\n– Kiray\u0259 müqavil\u0259si 3 ild\u0259n 25 il\u0259d\u0259k müdd\u0259t\u0259 ba\u011flanmal\u0131 v\u0259 notariat qaydas\u0131nda t\u0259sdiql\u0259nm\u0259lidir.<\/p>\n

– Kiray\u0259çi m\u0259nzil\u0259 \u0259n tezi hans\u0131 müdd\u0259td\u0259n sonra sahib ola bil\u0259r?<\/strong>
\n– Müqavil\u0259 ba\u011fland\u0131qdan \u0259n az\u0131 3 il müdd\u0259td\u0259n sonra kiray\u0259çi m\u0259nzil\u0259 sahib olmaq hüqquna malikdir. 3 ild\u0259n sonra is\u0259 növb\u0259ti 22 il müdd\u0259tind\u0259 ist\u0259nil\u0259n zaman evin x\u0259rcini öd\u0259m\u0259kl\u0259 ç\u0131xar\u0131\u015f (kupça) ala bil\u0259r.<\/p>\n

– \u0130lkin öd\u0259ni\u015f t\u0259l\u0259b olunurmu? <\/strong>
\n– Kiray\u0259 m\u0259nzil\u0259 sahib olmaq ist\u0259y\u0259n \u015f\u0259xs kiray\u0259 müqavil\u0259si ba\u011flan\u0131ld\u0131qdan sonra ayl\u0131q öd\u0259ni\u015fin \u0259n az\u0131 12 mislini qabaqcadan öd\u0259m\u0259lidir. Y\u0259ni 1 illik kiray\u0259 haqq\u0131 önc\u0259d\u0259n öd\u0259nilm\u0259lidir.<\/p>\n

– Kiray\u0259çi m\u0259nzili r\u0259smi olaraq ba\u015fqa \u015f\u0259xs\u0259 ötür\u0259 bil\u0259rmi? <\/strong>
\n– Qaydalar gör\u0259, kiray\u0259çiy\u0259 bel\u0259 hüquq verir. Fondun yaz\u0131l\u0131 raz\u0131l\u0131\u011f\u0131 il\u0259 kiray\u0259çinin kiray\u0259 müqavil\u0259si üzr\u0259 öz hüquq v\u0259 v\u0259zif\u0259l\u0259rini ba\u015fqa \u015f\u0259xs\u0259 ötür\u0259 bil\u0259r. Sad\u0259c\u0259 kiray\u0259çi bunu kiray\u0259 müqavil\u0259si ba\u011flanan günd\u0259n 3 ild\u0259n sonra ed\u0259 bil\u0259r. M\u0259s\u0259l\u0259n, kiray\u0259 müqavil\u0259si ba\u011flanandan 3 il sonra kiray\u0259çi öd\u0259ni\u015f etm\u0259kd\u0259 ç\u0259tinlik ç\u0259kirs\u0259 v\u0259 ya evl\u0259 ba\u011fl\u0131 planlar\u0131 d\u0259yi\u015firs\u0259 o zaman fondun raz\u0131l\u0131\u011f\u0131 il\u0259 müqavil\u0259ni ba\u015fqas\u0131n\u0131n ad\u0131na keçir\u0259 bil\u0259r. M\u0259nzil\u0259 mülkiyy\u0259t hüququ kiray\u0259y\u0259 ver\u0259nd\u0259n ba\u015fqa \u015f\u0259xs\u0259 keçdikd\u0259, kiray\u0259nin qüvv\u0259d\u0259 qalmas\u0131 ba\u015f verir. Bu hal kiray\u0259 müqavil\u0259sind\u0259 d\u0259 qeyd olunacaq.<\/p>\n

– Kiray\u0259çi dünyas\u0131n\u0131 d\u0259yi\u015f\u0259nd\u0259 müqavil\u0259 \u015f\u0259rtl\u0259ri nec\u0259 icra olunur? <\/strong>
\n– Kiray\u0259çi v\u0259fat etdikd\u0259, kiray\u0259 müqavil\u0259si üzr\u0259 hüquq münasib\u0259tl\u0259rinin kiray\u0259çinin v\u0259r\u0259s\u0259l\u0259rin\u0259 keçir.<\/p>\n

– Kiray\u0259 müqavil\u0259sin\u0259 vaxt\u0131ndan \u0259vv\u0259l xitam verilm\u0259si mümkündürmü?  <\/strong>
\n– Kiray\u0259çi ayl\u0131q öd\u0259ni\u015fi 60 gün müdd\u0259tind\u0259 öd\u0259m\u0259dikd\u0259 is\u0259 Fond kiray\u0259 müqavil\u0259sin\u0259 vaxt\u0131ndan \u0259vv\u0259l xitam verm\u0259k hüququna malikdir.<\/p>\n

– Fond hans\u0131 m\u0259nzill\u0259ri t\u0259klif ed\u0259c\u0259k? <\/strong>
\n– Fond öz v\u0259saiti hesab\u0131na ald\u0131\u011f\u0131 v\u0259 ya onun mülkiyy\u0259tin\u0259 keç\u0259n m\u0259nzill\u0259ri kiray\u0259 kimi t\u0259klif ed\u0259 bil\u0259r. M\u0259nzill\u0259r tam t\u0259mirli, habel\u0259 elektrik enerjisi, qaz v\u0259 su il\u0259 tam t\u0259chiz olunmu\u015f olmal\u0131d\u0131r.<\/p>\n

– Kiray\u0259 m\u0259nzill\u0259r il\u0259 ba\u011fl\u0131 m\u0259lumat\u0131 haradan \u0259ld\u0259 etm\u0259k mümkün olacaq?<\/strong> 
\n– Fond satmaq öhd\u0259liyi il\u0259 kiray\u0259y\u0259 verdiyi ya\u015fay\u0131\u015f sah\u0259l\u0259rin\u0259 dair m\u0259lumatlar\u0131 (binan\u0131n v\u0259 ya ya\u015fay\u0131\u015f evinin ünvan\u0131, ya\u015fay\u0131\u015f sah\u0259sinin say\u0131, yerl\u0259\u015fdiyi m\u0259rt\u0259b\u0259, m\u0259nzilin sah\u0259si, otaqlar\u0131n say\u0131 v\u0259 s.) r\u0259smi internet sayt\u0131nda v\u0259 “Elektron ipoteka v\u0259 kredit z\u0259man\u0259t” sistemind\u0259 yerl\u0259\u015fdiril\u0259c\u0259k.<\/p>\n

– Kiray\u0259 m\u0259nzil\u0259 sahib olmaq üçün nec\u0259 müraci\u0259t etm\u0259k mümkün olacaq? <\/strong>
\n– T\u0259sdiq olunmu\u015f qaydalara gör\u0259, müraci\u0259tl\u0259r elektron sisteml\u0259 h\u0259yata keçiril\u0259c\u0259k. Müraci\u0259tl\u0259r növb\u0259lilik \u0259sas\u0131nda qeydiyyata al\u0131n\u0131b bax\u0131lacaq. Fond be\u015f i\u015f günü müdd\u0259tind\u0259 kiray\u0259 müqavil\u0259sinin ba\u011flanmas\u0131na dair raz\u0131l\u0131q v\u0259 ya \u0259sasland\u0131r\u0131lm\u0131\u015f imtina bar\u0259d\u0259 q\u0259rar q\u0259bul ed\u0259c\u0259k, 10 i\u015f günü müdd\u0259tind\u0259 is\u0259 kiray\u0259 müqavil\u0259sinin r\u0259smil\u0259\u015fdirilm\u0259si yekunla\u015facaq. Bundan sonra üç i\u015f günü müdd\u0259tind\u0259 kiray\u0259çi ayl\u0131q öd\u0259ni\u015fin \u0259n az\u0131 12 mislini \u0259vv\u0259lc\u0259d\u0259n Fondun hesab\u0131na öd\u0259m\u0259li olacaq. Bu m\u0259bl\u0259\u011f Fondun hesab\u0131na öd\u0259ndiyi andan kiray\u0259 müqavil\u0259si qüvv\u0259y\u0259 min\u0259c\u0259k.<\/p>\n

– Fondun raz\u0131l\u0131q verdiyi müqavil\u0259y\u0259 n\u0259 zaman xitam veril\u0259 bil\u0259r? <\/strong>
\n– Fond raz\u0131l\u0131q bar\u0259d\u0259 q\u0259rar\u0131n\u0131 elektron sistemd\u0259 yerl\u0259\u015fdirdiyi günd\u0259n 10 i\u015f günü müdd\u0259tind\u0259 kiray\u0259 müqavil\u0259sinin r\u0259smil\u0259\u015fdirilm\u0259si h\u0259yata keçirilmirs\u0259 o zaman müqavil\u0259y\u0259 xitam verilir.<\/p>\n

– Kiray\u0259 müqavil\u0259sinin ba\u011flan\u0131lmas\u0131ndan imtina edilmi\u015f \u015f\u0259xs yenid\u0259n müraci\u0259t ed\u0259 bil\u0259rmi? <\/strong>
\n– Kiray\u0259 müqavil\u0259si ba\u011flamaqdan imtina edil\u0259n \u015f\u0259xs yenid\u0259n müraci\u0259t etm\u0259k hüququna malikdir.<\/p>\n

– Ayl\u0131q öd\u0259ni\u015fin m\u0259bl\u0259\u011fi nec\u0259 hesablanacaq?  <\/strong>
\n– Fond ayl\u0131q öd\u0259ni\u015f m\u0259bl\u0259\u011fini fondun sat\u0131n ald\u0131\u011f\u0131 qiym\u0259t, habel\u0259 ya\u015fay\u0131\u015f sah\u0259sinin sat\u0131n al\u0131nmas\u0131 il\u0259 ba\u011fl\u0131 dig\u0259r x\u0259rcl\u0259r, bu m\u0259qs\u0259dl\u0259r üçün c\u0259lb etdiyi v\u0259saitin d\u0259y\u0259ri, kiray\u0259 müqavil\u0259si üzr\u0259 mümkün ola bil\u0259c\u0259k z\u0259r\u0259rl\u0259rin qar\u015f\u0131lanmas\u0131 m\u0259qs\u0259dil\u0259 yarad\u0131lan ehtiyatlar üzr\u0259 ay\u0131rmalar v\u0259 ya\u015fay\u0131\u015f sah\u0259sini Fondun saxlamas\u0131, s\u0131\u011fortalamas\u0131 v\u0259 idar\u0259 etm\u0259si il\u0259 ba\u011fl\u0131 bütün x\u0259rcl\u0259ri \u0259sas\u0259n hesablanacaq.<\/p>\n

– Öd\u0259nilmi\u015f ayl\u0131q öd\u0259ni\u015fl\u0259r geri qaytar\u0131la bil\u0259rmi? <\/strong>
\n– Qaydalara \u0259sas\u0259n, fonda öd\u0259nilmi\u015f ayl\u0131q öd\u0259ni\u015fl\u0259r Fondun g\u0259liri hesab olunur v\u0259 geri qaytar\u0131lm\u0131r.<\/p>\n

– Ayl\u0131q öd\u0259ni\u015fl\u0259r sabit r\u0259q\u0259m olacaqm\u0131? <\/strong>
\n-12 ayl\u0131q ilkin öd\u0259ni\u015fd\u0259n sonra kiray\u0259 müqavil\u0259si üzr\u0259 ayl\u0131q öd\u0259ni\u015f h\u0259r ay b\u0259rab\u0259r hiss\u0259l\u0259rl\u0259 öd\u0259nil\u0259c\u0259k.<\/p>\n

– Kiray\u0259 m\u0259nzild\u0259 yaranan x\u0259rcl\u0259ri kim öd\u0259yir? <\/strong>
\n– Kiray\u0259çinin istifad\u0259sin\u0259 verildikd\u0259n sonra ya\u015fay\u0131\u015f sah\u0259sinin t\u0259mir s\u0259viyy\u0259sinin yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131 v\u0259 \u0259lav\u0259 t\u0259mirl\u0259 ba\u011fl\u0131 x\u0259rcl\u0259r kiray\u0259çinin v\u0259saiti hesab\u0131na h\u0259yata keçirilir. Ya\u015fay\u0131\u015f sah\u0259sind\u0259 yenid\u0259nqurma v\u0259 ya yenid\u0259n planla\u015fd\u0131rma, habel\u0259 \u0259sasl\u0131 t\u0259mir i\u015fl\u0259ri yaln\u0131z Fondun yaz\u0131l\u0131 raz\u0131l\u0131\u011f\u0131 il\u0259 h\u0259yata keçiril\u0259 bil\u0259r. Kommunal x\u0259rcl\u0259ri v\u0259 dig\u0259r m\u0259cburi öd\u0259ni\u015fl\u0259ri d\u0259 kiray\u0259çi öd\u0259yir.<\/p>\n

– Kiray\u0259 müqavil\u0259sin\u0259 hans\u0131 hallarda xitam verilir? <\/strong>
\n– Kiray\u0259çi kiray\u0259 müqavil\u0259si üzr\u0259 al\u0131\u015f qiym\u0259tini tam öd\u0259dikd\u0259 v\u0259 ya\u015fay\u0131\u015f sah\u0259si kiray\u0259çinin mülkiyy\u0259tin\u0259 keçdikd\u0259, kiray\u0259 müqavil\u0259si üzr\u0259 kiray\u0259 hüquq münasib\u0259tl\u0259rin\u0259 xitam verilir. Y\u0259ni, bu zaman art\u0131q kiray\u0259çi m\u0259nzil\u0259 sahib olur v\u0259 “kupça” al\u0131r. Art\u0131q o kiray\u0259 haqq\u0131 öd\u0259mir. Kiray\u0259çi Fondu 30 gün \u0259vv\u0259ld\u0259n x\u0259b\u0259rdar etm\u0259kl\u0259, kiray\u0259 müqavil\u0259sin\u0259 birt\u0259r\u0259fli qaydada vaxt\u0131ndan \u0259vv\u0259l xitam ver\u0259 bil\u0259r. Fond is\u0259 öd\u0259ni\u015fl\u0259ri 60 gün v\u0259 daha çox müdd\u0259t\u0259 yubatd\u0131qda, kiray\u0259 müdd\u0259tind\u0259 kiray\u0259çi v\u0259fat etdikd\u0259 v\u0259 kiray\u0259 müqavil\u0259si üzr\u0259 hüquq v\u0259 v\u0259zif\u0259l\u0259r kiray\u0259çinin v\u0259r\u0259s\u0259l\u0259rin\u0259 keçm\u0259dikd\u0259, kiray\u0259çi ya\u015fay\u0131\u015f sah\u0259sini üçüncü \u015f\u0259xsin qeyri-hüquqi istifad\u0259sin\u0259 verdikd\u0259 müqavil\u0259y\u0259 xitam verir.<\/p>\n

– S\u0131\u011forta hadis\u0259si ba\u015f ver\u0259nd\u0259 v\u0259sait nec\u0259 bölü\u015fdürülür? <\/strong>
\n– S\u0131\u011forta öd\u0259ni\u015fi kiray\u0259çi öd\u0259diyi v\u0259sait il\u0259 öd\u0259nilm\u0259mi\u015f qal\u0131q m\u0259bl\u0259\u011finin nisb\u0259tin\u0259 uy\u011fun olaraq Fond il\u0259 kiray\u0259çi aras\u0131nda bölü\u015fdürülür. <\/p>\n

Könül Oruc<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Vüqar Bayramov: “Yeni mexanizm\u0259 \u0259sas\u0259n, v\u0259t\u0259nda\u015flar m\u0259nzili kiray\u0259 götürdükd\u0259n sonra ona sahib d\u0259 ola bil\u0259c\u0259kl\u0259r” Ölk\u0259 Prezidenti “Az\u0259rbaycan Respublikas\u0131 \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun ya\u015fay\u0131\u015f sah\u0259l\u0259rini satmaq öhd\u0259liyi il\u0259 kiray\u0259y\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-74182","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\/74182","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=74182"}],"version-history":[{"count":0,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=\/wp\/v2\/posts\/74182\/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=74182"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=74182"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ucnoqta.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=74182"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}