\u201cO bina dem\u0259k olar ki, biz sahibkarlar\u0131n puluyla tikilib. \u0130ndi \u201cXalqbank\u201d g\u0259tirib binaya he\u00e7 bir m\u0259hk\u0259m\u0259 q\u0259rar\u0131 olmadan qanunsuz m\u00fchafiz\u0259 yerl\u0259\u015fdirib, bu ilin yanvar\u0131ndan sahibkarlar\u0131 binaya buraxm\u0131rlar. T\u0259kc\u0259 m\u0259n birt\u0259h\u0259r i\u00e7\u0259ri ke\u00e7\u0259 bilir\u0259m. Orda m\u0259nim aptekim var. \u0130\u015f\u0131\u011f\u0131, suyu k\u0259sibl\u0259r, aptek\u0259 g\u0259lm\u0259k ist\u0259y\u0259n m\u00fc\u015ft\u0259ril\u0259ri i\u00e7\u0259ri buraxm\u0131rlar, \u00e7ox ac\u0131nacaql\u0131 bir v\u0259ziyy\u0259t yarad\u0131blar\u201d.<\/p>\n\n\n\n
Bunu Meydan TV-y\u0259 13 il \u0259vv\u0259l \u201cMARS-M\u201d \u015firk\u0259tinin Bak\u0131n\u0131n S\u0259m\u0259d Vur\u011fun k\u00fc\u00e7\u0259si, 120 \u00fcnvan\u0131nda in\u015fa etdiyi “Yasmin\u201d Biznes M\u0259rk\u0259zind\u0259n ald\u0131\u011f\u0131 sah\u0259y\u0259 \u00e7\u0259tinlikl\u0259 daxil olan sahibkar Qalib M\u0259mm\u0259dov deyir.<\/p>\n\n\n\n
\u201cYasmin\u201d Biznes M\u0259rk\u0259zind\u0259n ill\u0259r \u00f6nc\u0259 obyekt alan v\u0259 indi \u00e7\u0131x\u0131lmaz duruma d\u00fc\u015f\u0259n t\u0259kc\u0259 Qalib M\u0259mm\u0259dov deyil. 20-y\u0259 yax\u0131n sahibkar eyni v\u0259ziyy\u0259tl\u0259 qar\u015f\u0131la\u015f\u0131b. Biznes M\u0259rk\u0259zinin sahibi v\u0259 haz\u0131rda 11 illik h\u0259bsd\u0259 olan M\u0259rh\u0259m\u0259t B\u0259\u015firov 2015-ci ild\u0259 binan\u0131n bir hiss\u0259sini \u201cXalqbank\u201dda girov qoyaraq 5 milyon manat kredit g\u00f6t\u00fcr\u00fcb. Krediti \u00f6d\u0259y\u0259 bilm\u0259diyi \u00fc\u00e7\u00fcn \u201cXalqbank\u201d sahibkarlara m\u0259xsus obyektl\u0259ri d\u0259 binan\u0131n g\u00f6z\u00fcn\u0259 qataraq \u0259ll\u0259rind\u0259n al\u0131b. Ancaq sahibkar\u0131n dem\u0259sin\u0259 g\u00f6r\u0259, bu i\u015fl\u0259 ba\u011fl\u0131 h\u0259l\u0259lik m\u0259hk\u0259m\u0259 davam etdiyi \u00fc\u00e7\u00fcn \u201cXalqbank\u201d\u0131n h\u0259r\u0259k\u0259ti qanunsuzdur.<\/p>\n\n\n\n
Qalib M\u0259mm\u0259dov dan\u0131\u015f\u0131r ki, 2009-cu ild\u0259n ba\u015flayaraq binan\u0131n \u00f6z\u00fcl\u00fc qoyulanda ayr\u0131-ayr\u0131 \u015f\u0259xsl\u0259r sahibkarl\u0131q m\u0259qs\u0259dil\u0259 h\u0259min obyektl\u0259ri alq\u0131-satq\u0131 m\u00fcqavil\u0259siyl\u0259 alma\u011fa ba\u015flay\u0131b. Sahibkarlar \u00fcmumilikd\u0259 obyektl\u0259r\u0259 5 milyon manat \u00f6d\u0259yibl\u0259r. T\u0259mir i\u015fl\u0259ri apard\u0131qdan sonra h\u0259r k\u0259s \u00f6z obyektini f\u0259aliyy\u0259t n\u00f6v\u00fcn\u0259 uy\u011fun olaraq istifad\u0259 etm\u0259y\u0259 ba\u015flay\u0131b. M\u0259rh\u0259m\u0259t B\u0259\u015firov obyekt sahibl\u0259rind\u0259n x\u0259b\u0259rsiz v\u0259 raz\u0131l\u0131qs\u0131z \u00fcmumi sah\u0259si 22 min 800 kvadratmetr olan binan\u0131n 16 min 100 kvadratmetrini BT\u0130-d\u0259n ald\u0131\u011f\u0131 ilkin \u00c7\u0131xar\u0131\u015f s\u0259n\u0259diyl\u0259 \u201cXalqbank\u201dda ipoteka girovlu\u011funa qoyub, 5 milyon manat kredit g\u00f6t\u00fcr\u00fcb. Sahibkarlar bundan kredit \u00f6d\u0259nilm\u0259diyi \u00fc\u00e7\u00fcn \u201cXalqbank\u201d\u0131n binaqar\u0131\u015f\u0131q obyektl\u0259r\u0259 \u201c\u0259l qoymas\u0131ndan\u201d sonra x\u0259b\u0259r tutublar:<\/p>\n\n\n\n
\u201cBinan\u0131n 16 min 100 kvadratmetri girov qoyulsa da, \u201cXalqbank\u201d m\u0259hk\u0259m\u0259l\u0259rd\u0259 binaya tam \u015f\u0259kild\u0259 sahib olmaqla ba\u011fl\u0131 iddia qald\u0131r\u0131b, h\u0259l\u0259lik o m\u0259hk\u0259m\u0259l\u0259r davam edir. Ancaq m\u0259hk\u0259m\u0259l\u0259r davam etdiyi v\u0259 sahibkarlar\u0131n binadan \u00e7\u0131xar\u0131lmas\u0131na dair h\u0259r hans\u0131 q\u0259rar olmad\u0131\u011f\u0131 bir halda \u201cXalqbank\u201d sahibkarlar\u0131 binaya buraxm\u0131r\u201d.<\/p>\n\n\n\n
Sahibkar deyir, 5 milyon manat kredit manatla g\u00f6t\u00fcr\u00fcls\u0259 d\u0259, devalvasiyadan sonra M\u0259rh\u0259m\u0259t B\u0259\u015firova t\u0259zyiq g\u00f6st\u0259r\u0259r\u0259k borcu manatdan dollara ke\u00e7iribl\u0259r. N\u0259tic\u0259d\u0259 M\u0259rh\u0259m\u0259t B\u0259\u015firovun \u00f6d\u0259m\u0259diyi kredit\u0259 g\u00f6r\u0259 faizl\u0259rl\u0259 birlikd\u0259 banka 17 milyon dollar borcu yaran\u0131b.<\/p>\n\n\n\n
Sahibkarlar da m\u0259hk\u0259m\u0259d\u0259 iddia qald\u0131r\u0131blar ki, M\u0259rh\u0259m\u0259t B\u0259\u015firovun binan\u0131 BT\u0130-d\u0259n ald\u0131\u011f\u0131 ilkin \u00c7\u0131xar\u0131\u015f \u0259sas\u0131nda girov qoymas\u0131 qanunsuz hesab edilsin v\u0259 \u00c7\u0131xar\u0131\u015f etibars\u0131z say\u0131ls\u0131n. Ancaq m\u0259hk\u0259m\u0259 iddian\u0131 t\u0259min etm\u0259yib. Sahibkarlar\u0131n apelyasiya v\u0259 kassasiya \u015fikay\u0259tl\u0259ri d\u0259 t\u0259min olunmay\u0131b:<\/p>\n\n\n\n
\u201cHalbuki, \u201cXalqbank\u201d girovu q\u0259bul etm\u0259mi\u015fd\u0259n \u0259vv\u0259l binadak\u0131 obyektl\u0259r\u0259 bax\u0131\u015f ke\u00e7irm\u0259liydi, sahibkarlarla dan\u0131\u015fmal\u0131yd\u0131. O ilkin \u00c7\u0131xar\u0131\u015f\u0131 almaq vaxt t\u0259l\u0259b ed\u0259n i\u015fdir, s\u0259n\u0259dl\u0259rin toplanmas\u0131, ara\u015fd\u0131r\u0131lmas\u0131, t\u0259sdiql\u0259nm\u0259si, \u00c7\u0131xar\u0131\u015f\u0131n verilm\u0259si aylarla \u00e7\u0259k\u0259n prosesdir. Ancaq bunlar saxtakarl\u0131q edib bu i\u015fi bir ne\u00e7\u0259 g\u00fcn\u0259 \u201ch\u0259ll edibl\u0259r\u201d. Sahibkarlar Avropa M\u0259hk\u0259m\u0259sin\u0259 m\u00fcraci\u0259t edibl\u0259r. Qalib M\u0259mm\u0259dovun dem\u0259sin\u0259 g\u00f6r\u0259, Avropa M\u0259hk\u0259m\u0259si \u015fikay\u0259ti icraata g\u00f6t\u00fcr\u00fcb.<\/p>\n\n\n\n
Qalib M\u0259mm\u0259dov yaranm\u0131\u015f durumdan sahibkarlar\u0131n z\u0259r\u0259rl\u0259rinin h\u0259r g\u00fcn artd\u0131\u011f\u0131n\u0131 deyir:<\/p>\n\n\n\n
\u201c\u015e\u0259xs\u0259n m\u0259n obyekt\u0259 300 min manat x\u0259rcl\u0259mi\u015f\u0259m. H\u0259l\u0259 t\u0259miri, ba\u015fqa x\u0259rcl\u0259ri demir\u0259m\u2026 El\u0259 sahibkar var ki, 1 milyon manat x\u0259rci \u00e7\u0131x\u0131b, el\u0259si var 200 min, 500 min manat\u2026 Obyektl\u0259rin\u0259 yax\u0131n burax\u0131lmayan sahibkarlar da bu obyektl\u0259ri i\u015fl\u0259tm\u0259k \u00fc\u00e7\u00fcn banklardan borca giribl\u0259r, indi sahibkarl\u0131q f\u0259aliyy\u0259tiyl\u0259 m\u0259\u015f\u011ful ola bilm\u0259dikl\u0259rin\u0259 g\u00f6r\u0259 m\u00fcflisl\u0259\u015fibl\u0259r, borclar\u0131n\u0131 da qaytara bilmirl\u0259r\u201d.<\/p>\n\n\n\nFoto: Meydan TV<\/figcaption><\/figure>\n\n\n\n
Meydan TV m\u0259s\u0259l\u0259y\u0259 Xalq Bankdan m\u00fcnasib\u0259t \u00f6yr\u0259n\u0259 bilm\u0259yib. Ancaq \u00f6t\u0259n il Bak\u0131 A\u011f\u0131r Cinay\u0259tl\u0259r M\u0259hk\u0259m\u0259sind\u0259 M\u0259rh\u0259m\u0259t B\u0259\u015firovun ke\u00e7iril\u0259n m\u0259hk\u0259m\u0259 iclas\u0131nda bank\u0131n ba\u015f filial\u0131n\u0131n kredit idar\u0259sinin r\u0259isi Az\u0259r C\u0259lilzad\u0259 \u201cMars-M\u201d firmas\u0131yla bank aras\u0131ndak\u0131 m\u0259s\u0259l\u0259l\u0259rd\u0259n dan\u0131\u015f\u0131b. O deyib ki, bank t\u0259r\u0259find\u0259n 2013-c\u00fc ilin oktyabr ay\u0131nda M\u0259rh\u0259m\u0259t B\u0259\u015firovun m\u00fcraci\u0259ti \u0259sas\u0131nda \u201cMars-M\u201d firmas\u0131na \u0259vv\u0259l 7 milyon, sonra 3 milyon v\u0259 daha sonra 4 milyon manat olmaqla, \u00fcmumilikd\u0259 14 milyon manat kredit verilib. Kreditin t\u0259minat\u0131 olaraq S\u0259m\u0259d Vur\u011fun k\u00fc\u00e7\u0259si 120 \u00fcnvan\u0131n da yerl\u0259\u015f\u0259n 2704 kvadratmetr torpaq sah\u0259si v\u0259 \u00fcz\u0259rind\u0259 in\u015fa edilmi\u015f 5 m\u0259rt\u0259b\u0259li qeyri-ya\u015fay\u0131\u015f ipoteka il\u0259 y\u00fckl\u00fc edilib. Kreditin t\u0259minat\u0131 kimi ipoteka il\u0259 y\u00fckl\u00fc edilmi\u015f torpaq sah\u0259si v\u0259 qeyri-ya\u015fay\u0131\u015f sah\u0259si d\u00f6vl\u0259t reyestrind\u0259 qeydiyyata al\u0131nmaqla m\u00fcvafiq \u00c7\u0131xar\u0131\u015flar verilib. M\u00f6vcud kredit borcunun ba\u011flanmas\u0131, t\u0259mir-tikinti v\u0259 qura\u015fd\u0131rma i\u015fl\u0259rinin apar\u0131lmas\u0131 \u00fc\u00e7\u00fcn M\u0259rh\u0259m\u0259t B\u0259\u015firov 2015-ci ilin iyulunda t\u0259krar banka m\u00fcraci\u0259t edib. Bank ona bu d\u0259f\u0259 17 milyon dollar kredit ay\u0131r\u0131b. H\u0259min kreditin d\u0259 t\u0259minat\u0131 olaraq \u0259vv\u0259lki kredit \u00fczr\u0259 girov qoyulmu\u015f \u0259mlaklar sonrak\u0131 ipoteka m\u00fcqavil\u0259sin\u0259 \u0259sas\u0259n ipoteka il\u0259 y\u00fckl\u00fc edilib. Bu bar\u0259d\u0259 bank\u0131n ad\u0131na reyestr xidm\u0259tind\u0259n \u00c7\u0131xar\u0131\u015f verilib. Kredit verildikd\u0259n t\u0259xmin\u0259n bir il sonra \u201cMars-M\u201d firmas\u0131 banka qar\u015f\u0131 iddia il\u0259 1sayl\u0131 Bak\u0131 \u0130nzibati-\u0130qtisadi M\u0259hk\u0259m\u0259sin\u0259 m\u00fcraci\u0259t ed\u0259r\u0259k kredit m\u00fcqavil\u0259sinin v\u0259 sonrak\u0131 ipoteka m\u00fcqavil\u0259sinin l\u0259\u011fvini t\u0259l\u0259b edib. H\u0259min iddiaya qar\u015f\u0131l\u0131q olaraq bank t\u0259r\u0259find\u0259n \u201cMars-M\u201d firmas\u0131n\u0131n banka olan borcunun \u00f6d\u0259nilm\u0259si bar\u0259d\u0259 iddia verib. M\u0259hk\u0259m\u0259 firman\u0131n iddias\u0131 t\u0259min etm\u0259yib, bank\u0131n iddias\u0131 is\u0259 t\u0259min olunub. \u00d6d\u0259nilm\u0259y\u0259n borc y\u0131\u011f\u0131lan faizl\u0259rl\u0259 birlikd\u0259 girov qoyulmu\u015f \u0259mlaka y\u00f6nl\u0259ndirilib. Bank n\u00fcmay\u0259nd\u0259si onu da bildirib ki, \u0259mlak ipoteka il\u0259 y\u00fckl\u00fc edilm\u0259zd\u0259n \u0259vv\u0259l yoxlan\u0131l\u0131b. \u018fmlaklar\u0131n y\u00fckl\u00fcl\u00fcy\u00fc bar\u0259d\u0259 he\u00e7 bir fakt qeyd\u0259 al\u0131nmay\u0131b. Sonradan m\u0259lum olub ki, \u201cMars-M\u201d firmas\u0131 t\u0259r\u0259find\u0259n h\u0259min qeyri-ya\u015fay\u0131\u015f sah\u0259sind\u0259n bir ne\u00e7\u0259 ma\u011faza ayr\u0131-ayr\u0131 \u015f\u0259xsl\u0259r\u0259 sat\u0131l\u0131b.<\/p>\n\n\n\n
\u201cMARS-M\u201d \u015firk\u0259tinin sahibi olmu\u015f M\u0259rh\u0259m\u0259t B\u0259\u015firov Texniki Universitetin prorektoru B\u0259\u015fir B\u0259\u015firovun o\u011fludur. O, bu i\u015fl\u0259 \u0259laq\u0259dar \u0259vv\u0259lc\u0259 4 il 6 ay c\u0259za al\u0131b. Sonra ba\u015fqa bir sahibkar ondan \u015fikay\u0259t\u00e7i olub, ortal\u0131\u011fa 1 milyon manatdan \u00e7ox daha bir borc m\u00fcqavil\u0259si d\u0259 \u00e7\u0131x\u0131b v\u0259 M\u0259rh\u0259m\u0259t B\u0259\u015firov ikinci d\u0259f\u0259 m\u00fchakim\u0259 olunaraq c\u0259zas\u0131 11 il\u0259 \u00e7atd\u0131r\u0131l\u0131b.<\/p>\n\n\n\n
![\"\"](\"https:\/\/www.meydan.tv\/wp-content\/uploads\/bank-658x821.jpeg\")