{"id":14334,"date":"2020-02-29T00:33:30","date_gmt":"2020-02-28T20:33:30","guid":{"rendered":"https:\/\/www.hakimiyyet.com\/?p=14334"},"modified":"2020-02-29T00:33:30","modified_gmt":"2020-02-28T20:33:30","slug":"kiray%c9%99-m%c9%99nzill%c9%99r%c9%99-muraci%c9%99t-baslayib","status":"publish","type":"post","link":"https:\/\/hakimiyyet.info.az\/?p=14334","title":{"rendered":"“Kiray\u0259 m\u0259nzill\u0259r\u0259” m\u00fcraci\u0259t ba\u015flay\u0131b"},"content":{"rendered":"

“Kiray\u0259 m\u0259nzill\u0259r”\u0259 elektron m\u00fcraci\u0259t ba\u015flay\u0131b. \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondundan BBC News Az\u0259rbaycancaya bildirilib ki, c\u00fcm\u0259 g\u00fcn\u00fcnd\u0259n etibar\u0259n kiray\u0259 yolu il\u0259 ev sahibi olmaq ist\u0259y\u0259nl\u0259r art\u0131q Elektron H\u00f6kum\u0259t portal\u0131nda elektron kabinet yarada bil\u0259rl\u0259r.<\/p>\n

“Kiray\u0259 m\u0259nzill\u0259r”-\u0259 m\u00fcraci\u0259t yanvar\u0131n 22-d\u0259 ba\u015flamal\u0131 idi, lakin sistemd\u0259 probleml\u0259r yarand\u0131\u011f\u0131ndan proses ba\u015f tutmam\u0131\u015fd\u0131.<\/p>\n

\u00d6t\u0259n il satmaq \u00f6hd\u0259liyi il\u0259 kiray\u0259 m\u0259nzil verilm\u0259si mexanizmi yarad\u0131l\u0131b. Bu mexanizm\u0259 g\u00f6r\u0259, \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu balans\u0131ndak\u0131 m\u0259nzill\u0259ri uzunm\u00fcdd\u0259tli kiray\u0259 ver\u0259c\u0259k v\u0259 kiray\u0259ni\u015fin bu m\u0259nzilin pulunu aybaay \u00f6d\u0259m\u0259kl\u0259 sonda m\u0259nzil\u0259 m\u00fclkiyy\u0259t h\u00fcququ \u0259ld\u0259 ed\u0259c\u0259k.<\/p>\n

Fevral\u0131n 28-d\u0259 \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondundan BBC News Az\u0259rbaycancaya bildirilib ki, g\u00fcn \u0259rzind\u0259 art\u0131q 3000-d\u0259k v\u0259t\u0259nda\u015f elektron kabinetin yarad\u0131lmas\u0131 \u00fc\u00e7\u00fcn m\u00fcraci\u0259t edib v\u0259 haz\u0131rda proses davam edir.<\/p>\n

Fondun s\u00f6zc\u00fc\u00e7\u00fc Yegan\u0259 Ramazanovan\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, kiray\u0259 m\u0259nzil ist\u0259y\u0259n Az\u0259rbaycan v\u0259t\u0259nda\u015f\u0131 Elektron H\u00f6kum\u0259t portal\u0131nda elektron kabinet yarad\u0131r v\u0259 kiray\u0259 m\u0259nzil \u00fc\u00e7\u00fcn elektron m\u00fcraci\u0259tini formala\u015fd\u0131r\u0131r: “Bunun \u00fc\u00e7\u00fcn ona Asan imza v\u0259 ya Elektron imza laz\u0131md\u0131r. Elektron m\u00fcraci\u0259tini formala\u015fd\u0131rark\u0259n \u00f6z\u00fcn\u0259 aid m\u0259lumatlar\u0131 daxil edir v\u0259 sonra bu m\u0259lumatlar emal edilir”.<\/p>\n

Yegan\u0259 Ramazanova deyir ki, elektron m\u00fcraci\u0259t formala\u015fd\u0131r\u0131landan sonra ona m\u00fcraci\u0259tin g\u00f6nd\u0259rilm\u0259si \u00fc\u00e7\u00fcn bildiri\u015f g\u0259l\u0259c\u0259k, v\u0259t\u0259nda\u015f m\u00fcraci\u0259tini g\u00f6nd\u0259r\u0259nd\u0259n sonra ona m\u00fcraci\u0259tin\u0259 bax\u0131lmas\u0131 \u00fc\u00e7\u00fcn n\u00f6vb\u0259 t\u0259yin edil\u0259c\u0259k. “Elektron m\u00fcraci\u0259t avtomatik qeyd\u0259 al\u0131n\u0131r v\u0259 m\u00fcraci\u0259t\u00e7iy\u0259 n\u00f6vb\u0259 t\u0259yin edilir. Ona hans\u0131 s\u0259n\u0259dl\u0259rl\u0259 hans\u0131 tarixd\u0259 hara yax\u0131nla\u015fmal\u0131 oldu\u011fu bildiril\u0259c\u0259k. M\u0259nzil se\u00e7imi is\u0259 Fond onun m\u00fcraci\u0259tini q\u0259bul etdikd\u0259n v\u0259 raz\u0131l\u0131q verdikd\u0259n sonra apar\u0131lacaq”.<\/p>\n

Fond s\u00f6z\u00e7\u00fcs\u00fc deyib ki, v\u0259t\u0259nda\u015flara satmaq \u00f6hd\u0259liyi il\u0259 kiray\u0259 t\u0259klif etdiyi ya\u015fay\u0131\u015f sah\u0259l\u0259rinin siyah\u0131s\u0131 da geni\u015fl\u0259ndirilib. \u018fg\u0259r ilkin m\u0259rh\u0259l\u0259d\u0259 Fond t\u0259r\u0259find\u0259n v\u0259t\u0259nda\u015flara 331 m\u0259nzil kiray\u0259 t\u0259klif olunurdusa, ind\u0259 bu m\u0259nzill\u0259rin say\u0131 530-a \u00e7atd\u0131r\u0131l\u0131b.<\/p>\n

Az\u0259rbaycanda kiray\u0259 m\u0259nzil mexanizmi il\u0259 sat\u0131lacaq m\u0259nzill\u0259rin minimal ayl\u0131q \u00f6d\u0259ni\u015fl\u0259ri Bak\u0131da 411 manatdan, X\u0131rdalanda 333 manatdan, Sumqay\u0131tda 297 manatdan ba\u015flayacaq, Fond bildirib.<\/p>\n

M\u00fcraci\u0259t \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun m\u0259lumat\u0131na g\u00f6r\u0259, Asan imza v\u0259 ya Elektron \u0130mza sahibi olan Az\u0259rbaycan v\u0259t\u0259nda\u015flar\u0131 Elektron H\u00f6k\u00fcm\u0259t Portal\u0131na (www.e-gov.az) inteqrasiya olunmu\u015f “Elektron \u0130poteka v\u0259 Kredit Z\u0259man\u0259t” sistemind\u0259 (E\u0130KZS) yarad\u0131lan elektron kabinet vasit\u0259sil\u0259 apar\u0131l\u0131r.<\/p>\n

\"Bak\u0131<\/span><\/figure>\n

Qiym\u0259tl\u0259r nec\u0259dir?<\/h2>\n

\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu yanvar ay\u0131n\u0131n ax\u0131r\u0131nda kiray\u0259y\u0259 veril\u0259c\u0259k m\u0259nzill\u0259rin yerl\u0259\u015fdiyi \u0259razini v\u0259 siyah\u0131n\u0131 a\u00e7\u0131qlam\u0131\u015fd\u0131.<\/p>\n

Fondun sayt\u0131nda yerl\u0259\u015fdirilmi\u015f m\u0259lumata g\u00f6r\u0259, sonradan sat\u0131n al\u0131nmas\u0131 m\u00fcmk\u00fcn olan 1-4 otaql\u0131 kiray\u0259 m\u0259nzill\u0259r Bak\u0131da Qara Qayayev metrostansiyas\u0131na yax\u0131n v\u0259 “Ukrayna dair\u0259si” kimi tan\u0131nan \u0259razi \u0259traf\u0131ndak\u0131 G\u0259nc\u0259 prospektind\u0259 yerl\u0259\u015fir. M\u0259nzill\u0259r \u0259n az\u0131 58, \u0259n \u00e7oxu 188 kvadrat metrdir.<\/p>\n

Ab\u015feron rayonu, X\u0131rdalan \u015f\u0259h\u0259rind\u0259 yerl\u0259\u015f\u0259n m\u0259nzill\u0259r 1-3 otaql\u0131d\u0131r. Otaqlar 55-111 kvadrat metrdir.<\/p>\n

Sumqay\u0131t \u015f\u0259h\u0259rind\u0259 yerl\u0259\u015f\u0259n 2-3 otaql\u0131 m\u0259nzill\u0259r is\u0259 41-100 kvadrat metr aras\u0131ndad\u0131r.<\/p>\n

\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu m\u0259nzill\u0259rin 1 kvadrat metrinin ne\u00e7\u0259d\u0259n hesabland\u0131\u011f\u0131n\u0131 h\u0259l\u0259 a\u00e7\u0131qlamay\u0131b.<\/p>\n

Prezident \u0130lham \u018fliyevin \u00f6t\u0259n il a\u00e7\u0131qlad\u0131\u011f\u0131 f\u0259rmanla satmaq \u00f6hd\u0259liyi il\u0259 kiray\u0259 m\u0259nzil verilm\u0259si mexanizmi yarad\u0131l\u0131b. M\u0259qs\u0259d Az\u0259rbaycanda ev ehtiyac\u0131 olan v\u0259t\u0259nda\u015fa kiray\u0259 qald\u0131\u011f\u0131 m\u0259nzil\u0259 sahibi olmaq \u00fc\u00e7\u00fcn imkan yarad\u0131lmas\u0131d\u0131r, f\u0259rmanda vur\u011fulan\u0131b.<\/p>\n

Bu mexanizm\u0259 g\u00f6r\u0259, \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu balans\u0131ndak\u0131 m\u0259nzill\u0259ri uzunm\u00fcdd\u0259tli kiray\u0259 ver\u0259c\u0259k v\u0259 kiray\u0259ni\u015fin bu m\u0259nzilin pulunu aybaay \u00f6d\u0259m\u0259kl\u0259 sonda m\u0259nzil\u0259 m\u00fclkiyy\u0259t h\u00fcququ \u0259ld\u0259 ed\u0259c\u0259k.<\/p>\n

Kiray\u0259 m\u0259nzilin \u00fcst\u00fcnl\u00fcy\u00fc v\u0259 m\u0259nfi c\u0259h\u0259tl\u0259ri n\u0259dir?<\/h2>\n

“Yeni qaydalara g\u00f6r\u0259, v\u0259t\u0259nda\u015flar kiray\u0259 ya\u015fad\u0131qlar\u0131 m\u0259nzill\u0259ri ala bil\u0259c\u0259kl\u0259r, lakin kiray\u0259 pulunu \u00f6d\u0259y\u0259 bilm\u0259yib evi qaytarsalar, o zaman \u00f6d\u0259dikl\u0259ri pulu geri ala bilm\u0259y\u0259c\u0259kl\u0259r”, iqtisadi t\u0259hlil\u00e7i V\u00fcqar Bayramov BBC News Az\u0259rbaycancaya deyir.<\/p>\n

O, yeni mexanizmi “\u00f6lk\u0259d\u0259 sosial kiray\u0259 fondunun yarad\u0131lmas\u0131” kimi qiym\u0259tl\u0259ndirir.<\/p>\n

Fondun sayt\u0131nda g\u00f6st\u0259rilib ki, bu mexanizm ilk n\u00f6vb\u0259d\u0259, h\u0259m ilkin \u00f6d\u0259ni\u015f etm\u0259k imkan\u0131 olmayan, h\u0259m d\u0259 g\u0259lir s\u0259viyy\u0259si ipoteka kreditinin g\u00f6t\u00fcr\u00fclm\u0259sin\u0259 yetm\u0259y\u0259n v\u0259t\u0259nda\u015flar\u0131n \u00f6z m\u0259nzil \u015f\u0259raitl\u0259rini yax\u015f\u0131la\u015fd\u0131rmas\u0131na imkan yaradacaq.<\/p>\n

V\u00fcqar Bayramov deyir ki, Prezident f\u0259rman\u0131nda Fonddan m\u0259nzil kiray\u0259 etm\u0259k h\u00fcququ olan v\u0259t\u0259nda\u015flar\u0131n t\u0259snifat\u0131 apar\u0131lmay\u0131b.<\/p>\n

“Bu o dem\u0259kdir ki, \u00f6d\u0259m\u0259 qabiliyy\u0259tli v\u0259 h\u0259r hans\u0131 bank kreditl\u0259ri – borc \u00f6hd\u0259liyi olmayan ist\u0259nil\u0259n v\u0259t\u0259nda\u015f kiray\u0259 m\u0259nzill\u0259r\u0259 sahib olmaq \u00fc\u00e7\u00fcn m\u00fcraci\u0259t ed\u0259 bil\u0259r”.<\/p>\n

Ancaq \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu yeni mexanizmin kiml\u0259r\u0259 t\u0259tbiq edil\u0259c\u0259yi il\u0259 ba\u011fl\u0131 BBC News Az\u0259rbaycancan\u0131n suallar\u0131n\u0131 cavabland\u0131rmay\u0131b.<\/p>\n

V\u00fcqar Bayramov deyir ki, evl\u0259rin satl\u0131q \u00f6hd\u0259liyi il\u0259 kiray\u0259 verilm\u0259sinin m\u0259nfi c\u0259h\u0259ti odur ki, bir ne\u00e7\u0259 ild\u0259n sonra kiray\u0259ni \u00f6d\u0259y\u0259 bilm\u0259y\u0259n \u015f\u0259xs evi geri qaytarmaq ist\u0259s\u0259 onun \u00f6d\u0259diyi pul Fond t\u0259r\u0259find\u0259n v\u0259t\u0259nda\u015fa qaytar\u0131lmayacaq. Yaln\u0131z ya\u015fad\u0131\u011f\u0131 evl\u0259 ba\u011fl\u0131 s\u0131\u011forta hadis\u0259si ba\u015f ver\u0259rs\u0259, bu zaman s\u0131\u011forta hadis\u0259si \u00fc\u00e7\u00fcn \u00f6d\u0259diyi v\u0259sait kiray\u0259\u00e7iy\u0259 qaytar\u0131lacaq”.<\/p>\n

\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun m\u0259lumat\u0131nda bildirilir ki, mexanizm \u00e7\u0259r\u00e7iv\u0259sind\u0259 m\u00fc\u0259yy\u0259n m\u00fcdd\u0259t kiray\u0259d\u0259 qal\u0131b, sonradan ya\u015fay\u0131\u015f yerini d\u0259yi\u015f\u0259n v\u0259t\u0259nda\u015flar\u0131n h\u00fcquqlar\u0131n\u0131n m\u00fcdafi\u0259si d\u0259 n\u0259z\u0259rd\u0259 tutulub.<\/p>\n

Qaydalara \u0259sas\u0259n, Fondun yaz\u0131l\u0131 raz\u0131l\u0131\u011f\u0131 il\u0259 kiray\u0259d\u0259 olan v\u0259t\u0259nda\u015f evi ba\u015fqa \u015f\u0259xs\u0259 \u00f6t\u00fcr\u0259 bil\u0259c\u0259k. “Lakin v\u0259t\u0259nda\u015f evi yaln\u0131z kiray\u0259 g\u00f6t\u00fcrd\u00fckd\u0259n \u00fc\u00e7 il sonra ba\u015fqa bir kiray\u0259\u00e7iy\u0259 ver\u0259 bil\u0259r”, Fond vur\u011fulay\u0131b.<\/p>\n

Kiray\u0259 m\u00fcdd\u0259ti \u0259rzind\u0259 kiray\u0259\u00e7i v\u0259fat etdikd\u0259 is\u0259 kiray\u0259 m\u00fcqavil\u0259si \u00fczr\u0259 h\u00fcquqlar v\u0259t\u0259nda\u015f\u0131n v\u0259r\u0259s\u0259l\u0259rin\u0259 ke\u00e7ir.<\/p>\n

\"Kiray\u0259<\/span><\/figure>\n

M\u0259nzill\u0259r hans\u0131 \u015f\u0259rtl\u0259rl\u0259 kiray\u0259l\u0259n\u0259c\u0259k?<\/h2>\n

Kiray\u0259y\u0259 m\u0259nzil g\u00f6t\u00fcrm\u0259k \u00fc\u00e7\u00fcn is\u0259 bir ne\u00e7\u0259 \u0259sas \u015f\u0259rt m\u00fc\u0259yy\u0259nl\u0259\u015fdirilib.<\/p>\n

“M\u0259nzil kiray\u0259y\u0259 g\u00f6t\u00fcr\u0259n v\u0259t\u0259nda\u015f ayl\u0131q \u00f6d\u0259ni\u015fin \u0259n az\u0131 12 mislini qabaqcadan \u00f6d\u0259m\u0259lidir. Yaln\u0131z bu m\u0259bl\u0259\u011f \u00f6d\u0259ndikd\u0259n sonra v\u0259t\u0259nda\u015fla fond aras\u0131nda m\u00fcqavil\u0259 ba\u011flanm\u0131\u015f hesab oluna bil\u0259r”, V\u00fcqar Bayramov deyir.<\/p>\n

M\u00fcvafiq qanunda deyilir ki, kiray\u0259 m\u00fcqavil\u0259si 3 ild\u0259n 25 il\u0259d\u0259k ba\u011flan\u0131la bil\u0259r.<\/p>\n

Kiray\u0259 m\u00fcdd\u0259tind\u0259 v\u0259t\u0259nda\u015f\u0131n m\u0259nzil \u00fcz\u0259rind\u0259 kiray\u0259 h\u00fcququ da\u015f\u0131nmaz \u0259mlak\u0131n d\u00f6vl\u0259t reyestrind\u0259 qeyd\u0259 al\u0131nacaq v\u0259 m\u0259nzild\u0259n istifad\u0259 il\u0259 ba\u011fl\u0131 ayl\u0131q \u00f6d\u0259ni\u015fl\u0259r tam \u00f6d\u0259nildikd\u0259n sonra m\u0259nzil kiray\u0259\u00e7inin m\u00fclkiyy\u0259tin\u0259 ke\u00e7\u0259 bil\u0259r.<\/p>\n

M\u00fcqavil\u0259 ba\u011fland\u0131qdan \u0259n az\u0131 3 il sonra kiray\u0259\u00e7i m\u0259nzil\u0259 sahib olmaq h\u00fcququna malikdir. \u00dc\u00e7 ild\u0259n sonra is\u0259 n\u00f6vb\u0259ti 22 il m\u00fcdd\u0259tind\u0259 ist\u0259nil\u0259n zaman evin x\u0259rcini \u00f6d\u0259m\u0259kl\u0259 \u00e7\u0131xar\u0131\u015f (kup\u00e7a) ala bil\u0259r.<\/p>\n

Dig\u0259r \u015f\u0259rt is\u0259 kiray\u0259y\u0259 veril\u0259n m\u0259nzilin s\u0131\u011fortalanmas\u0131d\u0131r. M\u0259nzill\u0259rin s\u0131\u011fortalanmas\u0131 is\u0259 Fondun x\u0259rcl\u0259rin\u0259 daxildir.<\/p>\n

\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu satmaq \u00f6hd\u0259liyi il\u0259 kiray\u0259y\u0259 verm\u0259k \u00fc\u00e7\u00fcn ya\u015fay\u0131\u015f sah\u0259l\u0259rini sat\u0131n alacaq.<\/p>\n

Prezident f\u0259rman\u0131nda g\u00f6st\u0259rilir ki, kiray\u0259y\u0259 yaln\u0131z 2013-c\u00fc ild\u0259n – \u015e\u0259h\u0259rsalma v\u0259 Tikinti M\u0259c\u0259ll\u0259si q\u00fcvv\u0259y\u0259 mindikd\u0259n sonra in\u015fa edil\u0259r\u0259k \u00fcz\u0259rind\u0259 m\u00fclkiyy\u0259t h\u00fcququ d\u00f6vl\u0259t qeydiyyat\u0131na al\u0131nm\u0131\u015f \u00e7oxm\u0259nzilli binalarda yerl\u0259\u015f\u0259n t\u0259mirli ya\u015fay\u0131\u015f sah\u0259l\u0259ri veril\u0259 bil\u0259r.<\/p>\n

Kiray\u0259 m\u0259nzill\u0259r v\u0259t\u0259nda\u015flara tam t\u0259mirli, elektrik enerjisi, qaz v\u0259 su il\u0259 tam t\u0259chiz olunmu\u015f, istifad\u0259 \u00fc\u00e7\u00fcn yararl\u0131 v\u0259ziyy\u0259td\u0259 t\u0259hvil veril\u0259c\u0259k.<\/p>\n

Kiray\u0259\u00a0<\/strong>m\u0259nzill\u0259r \u00fc\u00e7\u00fcn kim m\u00fcraci\u0259t ed\u0259 bil\u0259r?<\/strong><\/p>\n

\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu kiray\u0259 m\u0259nzil almaq ist\u0259y\u0259n \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn a\u015fa\u011f\u0131dak\u0131 kriteriyalar\u0131 m\u00fc\u0259yy\u0259nl\u0259\u015fdirib:<\/p>\n

    \n
  • Az\u0259rbaycan Respublikas\u0131n\u0131n v\u0259t\u0259nda\u015f\u0131 olmal\u0131;<\/li>\n
  • M\u0259hkumlu\u011fu olmamal\u0131;<\/li>\n
  • M\u00fcraci\u0259t an\u0131na vaxt\u0131 ke\u00e7mi\u015f \u00f6hd\u0259likl\u0259ri olmamal\u0131;<\/li>\n
  • M\u00fcraci\u0259t an\u0131na ya\u015f\u0131 60-dan yuxar\u0131 olmamal\u0131;<\/li>\n
  • M\u00fcraci\u0259t an\u0131na Fondla aktiv kiray\u0259 m\u00fcnasib\u0259tl\u0259ri olmamal\u0131;<\/li>\n
  • R\u0259smi g\u0259lirl\u0259r\u0259 malik olmal\u0131.<\/li>\n<\/ul>\n

    Qiym\u0259tl\u0259r n\u0259y\u0259 \u0259sas\u0259n t\u0259yin olunacaq?<\/h2>\n

    “Qaydalara \u0259sas\u0259n, ya\u015fay\u0131\u015f sah\u0259sinin bazar qiym\u0259tini m\u00fcst\u0259qil qiym\u0259tl\u0259ndirici m\u00fc\u0259yy\u0259n etm\u0259lidir”, s\u0259n\u0259dd\u0259 bel\u0259 g\u00f6st\u0259rilir.<\/p>\n

    V\u00fcqar Bayramov d\u00fc\u015f\u00fcn\u00fcr ki, “evin yerl\u0259\u015fdiyi \u0259razi qiym\u0259tl\u0259rin t\u0259yini bax\u0131m\u0131ndan \u00f6n\u0259mlidir”.<\/p>\n

    “Bu, birba\u015fa x\u0259rcl\u0259r\u0259 t\u0259sir g\u00f6st\u0259rir. \u0130poteka fondunun c\u0259lb etdiyi v\u0259saitl\u0259ri n\u0259z\u0259r\u0259 alsaq, g\u00fcman olunur ki, bazar qiym\u0259tl\u0259rin\u0259 uy\u011fun qiym\u0259tl\u0259r olacaq. Ancaq T\u00fcrkiy\u0259 v\u0259 Rusiya t\u0259cr\u00fcb\u0259sin\u0259 baxsaq, bel\u0259 m\u0259nzill\u0259rin kiray\u0259si bazar qiym\u0259tind\u0259n y\u00fcks\u0259k olmur”, iqtisad\u00e7\u0131 deyir.<\/p>\n

    Kiray\u0259 m\u0259nzilin sosial evl\u0259r v\u0259 g\u00fcz\u0259\u015ftli ipoteka kreditind\u0259n f\u0259rqi n\u0259dir?<\/h2>\n

    Kiray\u0259y\u0259 m\u0259nzil g\u00f6t\u00fcr\u0259rk\u0259n, bir illik kiray\u0259 haqq\u0131 \u0259vv\u0259lc\u0259d\u0259n \u00f6d\u0259nm\u0259lidir. G\u00fcz\u0259\u015ftli ipoteka kreditind\u0259 is\u0259 \u0259mlak\u0131n d\u0259y\u0259rinin m\u00fc\u0259yy\u0259n faizi \u0259vv\u0259lc\u0259d\u0259n \u00f6d\u0259nm\u0259lidir.<\/p>\n

    V\u00fcqar Bayramov kiray\u0259 m\u0259nzili M\u0259nzil \u0130n\u015faat\u0131 \u00fczr\u0259 D\u00f6vl\u0259t Agentliyinin x\u0259ttiyl\u0259 v\u0259t\u0259nda\u015flara sat\u0131lan g\u00fcz\u0259\u015ftli m\u0259nzill\u0259rl\u0259 m\u00fcqayis\u0259 ed\u0259r\u0259k deyir ki, g\u00fcz\u0259\u015ftli m\u0259nzill\u0259rin ilkin \u00f6d\u0259ni\u015fi daha \u00e7oxdur, \u00fcst\u0259lik m\u0259nzil sahibi olan \u015f\u0259xs evi ald\u0131qdan sonra \u00f6d\u0259ni\u015f etm\u0259y\u0259 ba\u015flay\u0131r.<\/p>\n

    “Lakin kiray\u0259 m\u0259nzill\u0259rd\u0259 is\u0259 evi kiray\u0259y\u0259 g\u00f6t\u00fcr\u0259n \u015f\u0259xs 12 ay\u0131n haqq\u0131n\u0131 \u0259vv\u0259lc\u0259d\u0259n \u00f6d\u0259yir v\u0259 bir d\u0259 ikinci ilin birinci ay\u0131ndan \u00f6d\u0259ni\u015f etm\u0259y\u0259 ba\u015flay\u0131r”.<\/p>\n

    Dig\u0259r bir f\u0259rq is\u0259 kiray\u0259 m\u00fcqavil\u0259si ba\u011fland\u0131qdan sonra evin al\u0131\u015f qiym\u0259tinin tam \u00f6d\u0259ni\u015finin 3 ild\u0259n tez h\u0259yata ke\u00e7irilm\u0259sinin m\u00fcmk\u00fcns\u00fczl\u00fcy\u00fcd\u00fcr.<\/p>\n

    “Yaln\u0131z 3 ild\u0259n sonra m\u0259nzilin al\u0131\u015f qiym\u0259tini vaxt\u0131ndan qabaq \u00f6d\u0259y\u0259n v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn Fond t\u0259r\u0259find\u0259n m\u0259nzilin \u00fcmumi qiym\u0259tin\u0259 g\u00fcz\u0259\u015ftl\u0259rin t\u0259tbiqi n\u0259z\u0259rd\u0259 tutulur”, iqtisad\u00e7\u0131 vur\u011fulay\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":"

    “Kiray\u0259 m\u0259nzill\u0259r”\u0259 elektron m\u00fcraci\u0259t ba\u015flay\u0131b. \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondundan BBC News Az\u0259rbaycancaya bildirilib ki, c\u00fcm\u0259 g\u00fcn\u00fcnd\u0259n etibar\u0259n kiray\u0259 yolu…<\/p>\n","protected":false},"author":2,"featured_media":0,"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":[23,2,4,5],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/14334"}],"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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=14334"}],"version-history":[{"count":1,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/14334\/revisions"}],"predecessor-version":[{"id":14335,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=\/wp\/v2\/posts\/14334\/revisions\/14335"}],"wp:attachment":[{"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=14334"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=14334"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hakimiyyet.info.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=14334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}