{"id":11233,"date":"2020-01-09T17:51:28","date_gmt":"2020-01-09T13:51:28","guid":{"rendered":"https:\/\/www.amimb.net\/?p=11233"},"modified":"2020-01-09T17:51:28","modified_gmt":"2020-01-09T13:51:28","slug":"xalqbank-17-milyon-dollar-qanunsuz-kredit-verib-sok-faktlar","status":"publish","type":"post","link":"https:\/\/hakimiyyet.info.az\/?p=11233","title":{"rendered":"“XalqBank” 17 milyon dollar qanunsuz kredit verib – \u015eOK FAKTLAR"},"content":{"rendered":"

“Bak\u0131n\u0131n S\u0259m\u0259d Vur\u011fun k\u00fc\u00e7\u0259sind\u0259 \u201cYasmin\u201d ticar\u0259t m\u0259rk\u0259zi var. B\u00fct\u00fcn yeni binalar kimi onun da i\u00e7ind\u0259ki obyektl\u0259r tikildiyi d\u00f6vrd\u0259n sat\u0131lma\u011fa ba\u015flay\u0131b. 2009-cu ild\u0259n. Onlarla ki\u00e7ik v\u0259 orta sahibkar orada obyekt al\u0131b. Obyektl\u0259rin \u0259ks\u0259riyy\u0259tinin qiym\u0259ti 100000 manatdan \u00e7oxdur. T\u0259bii, sahibkarlara \u201ckup\u00e7a\u201d verilm\u0259yib, \u00e7\u00fcnki tikil\u0259n binan\u0131n Da\u015f\u0131nmaz \u018fmlak\u0131n D\u00f6vl\u0259t Reyestrind\u0259 qeydiyyat\u0131 olmur. Obyektin al\u0131\u015f\u0131 m\u00fcqavil\u0259 v\u0259 \u00f6d\u0259ni\u015fi t\u0259sdiql\u0259y\u0259n maliyy\u0259 aray\u0131\u015f\u0131 il\u0259 r\u0259smil\u0259\u015fdirilib. Y\u0259ni adi qaydada”.<\/strong><\/p>\n

AFN.az x\u0259b\u0259r verir ki, bel\u0259 bir a\u00e7\u0131qlama il\u0259 h\u00fcquq\u015f\u00fcnas \u018fkr\u0259m H\u0259s\u0259nov \u00e7\u0131x\u0131\u015f edib.<\/p>\n

Onun s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, obyektl\u0259ri satandan sonra 2010-cu ild\u0259 tikinti \u015firk\u0259ti olan \u201cMars-M\u201d Da\u015f\u0131nmaz \u018fmlak\u0131n D\u00f6vl\u0259t Reyestrind\u0259 \u201cYasmin\u201din qabaqcadan qeydiyyat\u0131na nail olub. Bina h\u0259l\u0259 tam tikilm\u0259mi\u015f v\u0259 t\u0259hvil verilm\u0259mi\u015f olsa da, b\u00fct\u00fcn binaya \u201ckup\u00e7a\u201d \u0259ld\u0259 edilib. \u018f.H\u0259s\u0259nov bunun qanunsuz olmad\u0131\u011f\u0131n\u0131 dem\u0259kl\u0259 yana\u015f\u0131, eyni zamanda \u00e7ox nadir hal oldu\u011funu bildirib. Daha sonra qeyd edib ki, \u0259ld\u0259 etdiyi \u201ckup\u00e7a\u201d \u0259sas\u0131nda \u201cMars-M\u201d ticar\u0259t m\u0259rk\u0259zini \u201cXalqBank\u201da girov qoyaraq 17 mln. dollar kredit g\u00f6t\u00fcr\u00fcb:\u00a0“Kreditd\u0259n 1 sent d\u0259 \u00f6d\u0259m\u0259yib. Bank da m\u0259hk\u0259m\u0259d\u0259 iddia qald\u0131r\u0131b, i\u015fi udub, indi d\u0259 ticar\u0259t m\u0259rk\u0259zin\u0259 tutma y\u00f6n\u0259ltm\u0259k, y\u0259ni h\u0259rracda satmaq ist\u0259yir. Bank\u0131n adamlar\u0131 art\u0131q ticar\u0259t m\u0259rk\u0259zini z\u0259bt edibl\u0259r v\u0259 ora sahibkarlar\u0131 buraxm\u0131rlar. Obyekt m\u00fclkiyy\u0259t\u00e7il\u0259rin\u0259 is\u0259 bank deyir ki, sizin \u201ckup\u00e7a\u201dn\u0131z yoxdur, siz\u0259 sat\u0131lan obyektl\u0259r haqda m\u0259lumat\u0131m\u0131z yoxdur, gedin pulunuzu \u201cMars-M\u201d-in r\u0259hb\u0259rind\u0259n ist\u0259yin.<\/strong>
\nYaln\u0131z sahibkarlar \u015fikay\u0259t etm\u0259y\u0259 ba\u015flayandan sonra \u201cXalqBank\u201d prokurorlu\u011fa \u201cMars-M\u201d-in r\u0259hb\u0259ri M\u0259rh\u0259m\u0259t B\u0259\u015firovdan \u015fikay\u0259t edib. Prokurorluq da B\u0259\u015firovu h\u0259bs ed\u0259r\u0259k \u0259vv\u0259lc\u0259 d\u0259l\u0259duzlu\u011fun \u0259n a\u011f\u0131r formas\u0131 (14 illik azadl\u0131qdan m\u0259hrumetm\u0259) \u0259v\u0259zin\u0259 nisb\u0259t\u0259n y\u00fcng\u00fcl t\u0259rkibi (maksimum 10 illik azadl\u0131qdan m\u0259hrumetm\u0259) il\u0259 ittiham ir\u0259li s\u00fcr\u00fcb, sonra is\u0259 \u00fcmumiyy\u0259tl\u0259 bu ittihamdan imtina ed\u0259r\u0259k onu bankdan qanunsuz (guya bank\u0131 girov m\u0259s\u0259l\u0259sind\u0259 aldad\u0131b) kredit almaqda (maksimum 5 il azadl\u0131qdan m\u0259hrumetm\u0259) ittiham edib. Y\u0259ni B\u0259\u015firovu kims\u0259 himay\u0259 edir v\u0259 ciddi c\u0259zaland\u0131r\u0131lmas\u0131na imkan vermir. \u0130\u015f\u0259 Yasamal m\u0259hk\u0259m\u0259sind\u0259 bax\u0131l\u0131r”.<\/strong><\/p>\n

\""XalqBank"<\/a><\/p>\n

H\u00fcquq\u015f\u00fcnas hesab edir ki, bu ittiham \u0259sas\u0131nda bir ne\u00e7\u0259 problemi h\u0259ll etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlar: 1) B\u0259\u015firov bank\u0131 aldad\u0131bsa, dem\u0259li, bank vicdanl\u0131d\u0131r; 2) B\u0259\u015firova \u0259n y\u00fcng\u00fcl c\u0259za veril\u0259c\u0259k; 3) Naraz\u0131 sahibkarlar itirdiyi pulu he\u00e7 bir r\u0259smi \u0259mlak\u0131 olmayan v\u0259 guya 17 mln. dollar\u0131n ba\u015f\u0131na da\u015f salm\u0131\u015f B\u0259\u015firovdan t\u0259l\u0259b etm\u0259li olacaq. \u018f.H\u0259s\u0259novun fikrinc\u0259, \u0259slind\u0259 v\u0259ziyy\u0259t tam f\u0259rqlidir:\u00a0“Bank he\u00e7 d\u0259 vicdanl\u0131 t\u0259r\u0259f deyil bu i\u015fd\u0259. Y\u0259ni ticar\u0259t m\u0259rk\u0259zini girov g\u00f6t\u00fcr\u0259rk\u0259n \u0259n az\u0131 onun obyektl\u0259rinin bir qisminin sat\u0131lmas\u0131n\u0131 bilm\u0259li idi (sahibkarlar hesab edir ki, n\u0259inki bilm\u0259li idi, bilib!). \u018fvv\u0259la, \u015firk\u0259tin maliyy\u0259 s\u0259n\u0259dl\u0259rinin t\u0259hlili \u0259sas\u0131nda ba\u015fa d\u00fc\u015fm\u0259li idi ki, ticar\u0259t m\u0259rk\u0259zi obyektl\u0259rin sat\u0131\u015f\u0131 n\u0259tic\u0259sind\u0259 \u0259ld\u0259 edil\u0259n pul hesab\u0131na tikilib (hans\u0131 tikinti \u015firk\u0259ti s\u0131rf \u00f6z pulu il\u0259 bina tikir?). Daha sonra \u0259n az\u0131 2 k\u0259nar qiym\u0259tl\u0259ndirici ticar\u0259t m\u0259rk\u0259zinin v\u0259ziyy\u0259ti v\u0259 qiym\u0259ti bar\u0259d\u0259 hesabat verm\u0259li idi. N\u0259hay\u0259t, bank \u00f6z\u00fc d\u0259 bax\u0131\u015f ke\u00e7irm\u0259li idi. Bunlar olsayd\u0131, b\u0259zi obyektl\u0259rin h\u0259tta vergi orqan\u0131ndan kod alaraq art\u0131q f\u0259aliyy\u0259t g\u00f6st\u0259rdiyini d\u0259 g\u00f6r\u0259 bil\u0259rdi bank.<\/strong>
\nM\u0259n h\u0259l\u0259 onu demir\u0259m ki, bank qanunvericiliy\u0259 \u0259sas\u0259n bir s\u0131ra s\u0259n\u0259d (biznes-plan, tikinti s\u0259n\u0259dl\u0259ri v\u0259 s.) t\u0259l\u0259b etm\u0259li idi \u201cMars-M\u201d-d\u0259n, amma bunu etm\u0259yib. Bir s\u00f6zl\u0259, bank \u00f6z\u00fc qanunsuz kredit verib! Buna g\u00f6r\u0259 d\u0259 he\u00e7 bir halda vicdanl\u0131 hesab edil\u0259 bilm\u0259z. T\u0259sad\u00fcfi deyil ki, \u201cXalqBank\u201d\u0131n filial\u0131 kreditin verilm\u0259m\u0259si haqda q\u0259rar q\u0259bul edib, amma M\u00fc\u015fahid\u0259 \u015euras\u0131 bir g\u00fcn sonra f\u0259rqli q\u0259rar verib. Y\u0259ni bank\u0131n \u00f6z\u00fcnd\u0259 bel\u0259 kreditin \u015f\u00fcbh\u0259li oldu\u011fu b\u0259zil\u0259rin\u0259 m\u0259lum olub…”<\/strong>
\n\u018f.H\u0259s\u0259nov deyir ki, bu prosesd\u0259 \u00f6lk\u0259 iqtisadiyyat\u0131na pul yat\u0131ran, obyekt alaraq orada sahibkarl\u0131qla m\u0259\u015f\u011ful olmaq ist\u0259y\u0259n \u015f\u0259xsl\u0259r d\u0259l\u0259duzlu\u011fa m\u0259ruz qal\u0131blar:\u00a0“Pullar\u0131 gedib, obyektl\u0259r d\u0259 \u0259ll\u0259rind\u0259n al\u0131n\u0131r. Tikinti \u015firk\u0259ti+bank+m\u0259mur \u00fc\u00e7buca\u011f\u0131n\u0131n qanunsuz \u0259m\u0259ll\u0259ri n\u0259tic\u0259sind\u0259! \u0130ndi siz deyin: bel\u0259 \u00f6lk\u0259y\u0259 pul yat\u0131rmaq, burada f\u0259aliyy\u0259t g\u00f6st\u0259rm\u0259k olarm\u0131? \u015e\u0259xs\u0259n m\u0259nim \u00fc\u00e7\u00fcn bu i\u015fin yekunu h\u0259min sual\u0131n son cavab\u0131 olacaq. Ya m\u0259murlar v\u0259 m\u0259hk\u0259m\u0259l\u0259r d\u00f6vl\u0259t ba\u015f\u00e7\u0131s\u0131n\u0131n g\u00f6st\u0259ri\u015fl\u0259rin\u0259 (o c\u00fcml\u0259d\u0259n sahibkarl\u0131\u011fa d\u0259st\u0259kl\u0259 ba\u011fl\u0131) \u0259m\u0259l ed\u0259r\u0259k i\u015f\u0259 \u0259dal\u0259tli yana\u015f\u0131b haqq\u0131 b\u0259rpa ed\u0259c\u0259k, ya da ham\u0131m\u0131za dey\u0259c\u0259kl\u0259r: \u201cA\u011fl\u0131n\u0131z olard\u0131, bu \u00f6lk\u0259y\u0259 pul yat\u0131rmazd\u0131n\u0131z!\u201d<\/strong>
\n“XalqBank”\u0131n m\u0259tbuat xidm\u0259tind\u0259n AFN-in sor\u011fusuna cavab olaraq bildirildi ki, haz\u0131rda m\u0259hk\u0259m\u0259 prosesi getdiyi \u00fc\u00e7\u00fcn bank bu m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 h\u0259r hans\u0131 a\u00e7\u0131qlama verm\u0259y\u0259 l\u00fczum g\u00f6rm\u00fcr.<\/p>\n","protected":false},"excerpt":{"rendered":"

“Bak\u0131n\u0131n S\u0259m\u0259d Vur\u011fun k\u00fc\u00e7\u0259sind\u0259 \u201cYasmin\u201d ticar\u0259t m\u0259rk\u0259zi var. B\u00fct\u00fcn yeni binalar kimi onun da i\u00e7ind\u0259ki obyektl\u0259r tikildiyi d\u00f6vrd\u0259n sat\u0131lma\u011fa ba\u015flay\u0131b.…<\/p>\n","protected":false},"author":1,"featured_media":11234,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[23,2,5],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/11233"}],"collection":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11233"}],"version-history":[{"count":1,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/11233\/revisions"}],"predecessor-version":[{"id":11235,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/11233\/revisions\/11235"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/media\/11234"}],"wp:attachment":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11233"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11233"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}