Mart ay\u0131n\u0131n sonlar\u0131nda ya\u011fan intensiv ya\u011f\u0131\u015flardan sonra da\u015f\u0131nmaz \u0259mlak\u0131n s\u0131\u011fortalanmas\u0131 m\u0259s\u0259l\u0259si yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259lib. \u00c7\u00fcnki h\u0259r d\u0259f\u0259 g\u00fccl\u00fc ya\u011f\u0131nt\u0131lar n\u0259tic\u0259sind\u0259 y\u00fczl\u0259rl\u0259 ev ya\u011f\u0131\u015f v\u0259 kanalizasiya sular\u0131n\u0131n alt\u0131nda qal\u0131r, v\u0259t\u0259nda\u015flara ciddi ziyan d\u0259yir. Son ya\u011f\u0131nt\u0131lar zaman\u0131 paytaxt\u0131n Sabun\u00e7u, X\u0259z\u0259r, Bin\u0259q\u0259di rayonlar\u0131nda, h\u0259m\u00e7inin Ab\u015feron v\u0259 X\u0131rdalanda y\u00fczl\u0259rl\u0259 ev v\u0259 obyekt z\u0259r\u0259r g\u00f6r\u00fcb, magistral yollar \u00e7\u00f6k\u00fcb. H\u0259tta bu d\u0259f\u0259ki subasmalar\u0131n f\u0259sadlar\u0131n\u0131 sel v\u0259 da\u015fq\u0131n kimi t\u0259bii f\u0259lakl\u0259tl\u0259rin yaratd\u0131\u011f\u0131 z\u0259r\u0259rl\u0259 m\u00fcqayis\u0259 etm\u0259k olar.<\/p>\n\n\n\n
H\u0259l\u0259 ki, h\u00f6kum\u0259t \u00f6lk\u0259 \u00fczr\u0259 ya\u011f\u0131nt\u0131lar\u0131n yaratd\u0131\u011f\u0131 f\u0259sadlar, d\u0259ymi\u015f z\u0259r\u0259rin miqdar\u0131 il\u0259 ba\u011fl\u0131 r\u0259q\u0259m a\u00e7\u0131qlam\u0131r.<\/p>\n\n\n\n
Az\u0259rbaycan S\u0131\u011forta\u00e7\u0131lar Assosiasiyas\u0131n\u0131n m\u0259lumat\u0131na g\u00f6r\u0259 is\u0259, 1 aprel tarixin\u0259 q\u0259d\u0259r c\u0259mi 253 da\u015f\u0131nmaz \u0259mlak sahibi g\u00fccl\u00fc ya\u011f\u0131nt\u0131lar n\u0259tic\u0259sind\u0259 d\u0259ymi\u015f z\u0259r\u0259r\u0259 g\u00f6r\u0259 s\u0131\u011forta \u00f6d\u0259ni\u015fi almaq \u00fc\u00e7\u00fcn m\u00fcraci\u0259t edib. Onlardan 190-\u0131 \u201cda\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131\u201d, 63-\u00fc is\u0259 \u201c\u0259mlak\u0131n yan\u011f\u0131ndan v\u0259 dig\u0259r riskl\u0259rd\u0259n s\u0131\u011fortas\u0131\u201d \u00fczr\u0259 qeyd\u0259 al\u0131nm\u0131\u015f s\u0131\u011forta hadis\u0259l\u0259ri il\u0259 ba\u011fl\u0131d\u0131r.<\/p>\n\n\n\n
S\u0131\u011forta \u015firk\u0259tl\u0259ri t\u0259r\u0259find\u0259n \u00fcmumi \u00f6d\u0259ni\u015fl\u0259rin h\u0259cmi 3 milyon manata yax\u0131n g\u00f6st\u0259rils\u0259 d\u0259, bunu \u00e7ox az bir hiss\u0259si da\u015f\u0131nmaz \u0259mlak\u0131n pay\u0131na d\u00fc\u015f\u00fcr.<\/p>\n\n\n\n
M\u00fcraci\u0259t ed\u0259nl\u0259rin say\u0131ndan da g\u00f6r\u00fcn\u00fcr ki, z\u0259r\u0259rin miqyas\u0131 b\u00f6y\u00fck olsa da, qeyd\u0259 al\u0131nan s\u0131\u011forta hadis\u0259l\u0259rinin say\u0131 c\u00fczidir. \u0130qtisad\u00e7\u0131lar\u0131n hesablamalar\u0131na g\u00f6r\u0259, \u00f6lk\u0259d\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n c\u0259mi 15-20 faizi s\u0131\u011fortalan\u0131b v\u0259 bunun da b\u00f6y\u00fck hiss\u0259sini sahibkarl\u0131q obyektl\u0259ri t\u0259\u015fkil edir. Halbuki inki\u015faf etmi\u015f \u00f6lk\u0259l\u0259rd\u0259 bu g\u00f6st\u0259rici 90 faiz\u0259 q\u0259d\u0259r \u00e7at\u0131r. Bu halda f\u0259rdi ya\u015fay\u0131\u015f evl\u0259rin\u0259 v\u0259 sahibkarl\u0131q obyektl\u0259rin\u0259 d\u0259y\u0259n z\u0259r\u0259r nec\u0259 \u00f6d\u0259nilm\u0259lidir?<\/p>\n\n\n\n
Da\u015f\u0131nmaz \u0259mlak \u00fczr\u0259 ekspert Elnur F\u0259rz\u0259liyev \u201cFacebook\u201d hesab\u0131nda yaz\u0131r ki, subasma hallar\u0131 daha \u00e7ox s\u0259n\u0259dsiz, \u00e7\u0131xar\u0131\u015fs\u0131z tikilmi\u015f evl\u0259rin yerl\u0259\u015fdiyi \u0259razil\u0259rd\u0259 qeyd\u0259 al\u0131n\u0131b: B\u0259s s\u0259n\u0259dli evl\u0259rin s\u0131\u011fortalanmas\u0131 il\u0259 ba\u011fl\u0131 v\u0259ziyy\u0259t nec\u0259dir?<\/p>\n\n\n\n R\u0259smi r\u0259q\u0259ml\u0259r\u0259 g\u00f6r\u0259, \u00f6lk\u0259d\u0259 3 milyondan \u00e7ox ev t\u0259s\u0259rr\u00fcfat\u0131 v\u0259 300 min\u0259 yax\u0131n qeyri-ya\u015fay\u0131\u015f obyekti m\u00f6vcuddur. Lakin bu da\u015f\u0131nmaz \u0259mlaklardan toplanan s\u0131\u011forta haqlar\u0131 olduqca azd\u0131r. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn Az\u0259rbaycan M\u0259rk\u0259zi Bank\u0131n\u0131n 2026-c\u0131 ilin yanvar-fevral aylar\u0131na dair m\u0259lumat\u0131na \u0259sas\u0259n, da\u015f\u0131nmaz \u0259mlak s\u0131\u011fortas\u0131 \u00fczr\u0259 c\u0259mi 23,3 milyon manat y\u0131\u011f\u0131m olub ki, bu da \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 27 faiz azd\u0131r.<\/p>\n\n\n\n S\u0131\u011forta \u015firk\u0259tl\u0259rinin \u00fcmumi \u00f6d\u0259ni\u015fl\u0259ri is\u0259 844 min manat t\u0259\u015fkil edib v\u0259 bu g\u00f6st\u0259rici 1,7 faiz art\u0131b. Bu is\u0259 o dem\u0259kdir ki, y\u0131\u011f\u0131mlar\u0131n azalmas\u0131na baxmayaraq, \u015firk\u0259tl\u0259rin maliyy\u0259 y\u00fck\u00fc art\u0131b.<\/p>\n\n\n\n Qeyd ed\u0259k ki, \u00f6lk\u0259d\u0259 da\u015f\u0131nmaz \u0259mlak s\u0131\u011fortas\u0131n\u0131n iki n\u00f6v\u00fc m\u00f6vcuddur: icbari v\u0259 \u201c\u0259mlak\u0131n yan\u011f\u0131ndan v\u0259 dig\u0259r riskl\u0259rd\u0259n\u201d k\u00f6n\u00fcll\u00fc s\u0131\u011fortas\u0131. T\u0259hlill\u0259r g\u00f6st\u0259rir ki, 2025-ci ild\u0259 y\u0131\u011f\u0131mlar\u0131n 61 faizi icbari s\u0131\u011fortan\u0131n pay\u0131na d\u00fc\u015fd\u00fcy\u00fc halda, 2026-c\u0131 ild\u0259 bu g\u00f6st\u0259rici c\u0259mi 21 faiz\u0259 enib.<\/p>\n\n\n\n M\u0259rk\u0259zi Bank\u0131n m\u0259lumatlar\u0131n\u0131n t\u0259hlili g\u00f6st\u0259rir ki, da\u015f\u0131nmaz \u0259mlak\u0131n icbari s\u0131\u011fortas\u0131 \u00fczr\u0259 y\u0131\u011f\u0131mlar k\u0259skin azal\u0131b. 2026-c\u0131 ilin yanvar-fevral aylar\u0131nda bu sah\u0259 \u00fczr\u0259 c\u0259mi 5 milyon manat y\u0131\u011f\u0131m qeyd\u0259 al\u0131n\u0131b. Bu, 2025-ci ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 t\u0259xmin\u0259n 4 d\u0259f\u0259 azd\u0131r. M\u00fcqayis\u0259 \u00fc\u00e7\u00fcn qeyd ed\u0259k ki, 2025-ci ilin m\u00fcvafiq d\u00f6vr\u00fcnd\u0259 bu g\u00f6st\u0259rici 19,5 milyon manat, 2024-c\u00fc ild\u0259 is\u0259 10,3 milyon manat olub.<\/p>\n\n\n\n \u0130cbari s\u0131\u011forta \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259r\u0259 g\u0259ldikd\u0259, 2026-c\u0131 ilin ilk iki ay\u0131nda 435 min manat \u00f6d\u0259ni\u015f edilib ki, bu da \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 35 faiz azalma dem\u0259kdir.<\/p>\n\n\n\n Ekspertl\u0259r bildirirl\u0259r ki, 2025-ci ild\u0259 icbari s\u0131\u011forta il\u0259 ba\u011fl\u0131 qaydalar\u0131n s\u0259rtl\u0259\u015fdirilm\u0259si v\u0259 n\u0259zar\u0259tin g\u00fccl\u0259ndirilm\u0259si bu sah\u0259d\u0259 m\u00fc\u0259yy\u0259n ir\u0259lil\u0259yi\u015f\u0259 nail olunmu\u015fdu. Bel\u0259 ki, icbari s\u0131\u011forta il\u0259 ba\u011fl\u0131 qanunvericiliyin t\u0259tbiqind\u0259n sonra v\u0259t\u0259nda\u015flara s\u0131\u011fortas\u0131z \u0259mlakla ba\u011fl\u0131 bildiri\u015fl\u0259r g\u00f6nd\u0259rildi v\u0259 c\u0259rim\u0259l\u0259r bar\u0259d\u0259 x\u0259b\u0259rdarl\u0131qlar edildi. Bu t\u0259dbirl\u0259r v\u0259t\u0259nda\u015flar\u0131 s\u0131\u011forta m\u00fcqavil\u0259l\u0259ri ba\u011flama\u011fa t\u0259\u015fviq etdi.<\/p>\n\n\n\n Eyni zamanda, da\u015f\u0131nmaz \u0259mlak \u00fcz\u0259rind\u0259 m\u00fclkiyy\u0259t h\u00fcquqlar\u0131n\u0131n r\u0259smil\u0259\u015fdirilm\u0259si, alq\u0131-satq\u0131 v\u0259 bank girovu \u0259m\u0259liyyatlar\u0131 zaman\u0131 icbari s\u0131\u011forta t\u0259l\u0259bl\u0259ri s\u0259rtl\u0259\u015fdirildi. S\u0131\u011forta s\u0259n\u0259di olmadan notariat \u0259m\u0259liyyatlar\u0131n\u0131n apar\u0131lmas\u0131 v\u0259 \u00e7\u0131xar\u0131\u015f al\u0131nmas\u0131 \u00e7\u0259tinl\u0259\u015fdirildi ki, bu da r\u0259smi y\u0131\u011f\u0131mlar\u0131n artmas\u0131na s\u0259b\u0259b oldu.<\/p>\n\n\n\n Lakin g\u00f6r\u00fcn\u0259n odur ki, 2026-c\u0131 ild\u0259 bu prosesl\u0259r s\u0259ngiyib v\u0259 \u0259halinin icbari s\u0131\u011fortaya mara\u011f\u0131 xeyli azal\u0131b. N\u0259tic\u0259d\u0259, s\u0131\u011forta \u015firk\u0259tl\u0259ri \u00fc\u00e7\u00fcn bu sah\u0259d\u0259 \u201cz\u0259r\u0259rlilik y\u00fck\u00fc\u201d \u0259vv\u0259lki ill\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 t\u0259xmin\u0259n 3-4 d\u0259f\u0259 art\u0131b.<\/p>\n\n\n\n K\u00f6n\u00fcll\u00fc s\u0131\u011fortaya g\u0259ldikd\u0259 is\u0259, 2026-c\u0131 ilin yanvar-fevral aylar\u0131nda \u201c\u0259mlak\u0131n yan\u011f\u0131ndan v\u0259 dig\u0259r riskl\u0259rd\u0259n s\u0131\u011fortas\u0131\u201d \u00fczr\u0259 y\u0131\u011f\u0131mlar 18,3 milyon manat t\u0259\u015fkil edib. Bu, icbari s\u0131\u011forta y\u0131\u011f\u0131mlar\u0131n\u0131 3,6 d\u0259f\u0259 \u00fcst\u0259l\u0259yir. Eyni zamanda, icbari s\u0131\u011fortaya inam\u0131n azald\u0131\u011f\u0131 bir d\u00f6vrd\u0259 k\u00f6n\u00fcll\u00fc s\u0131\u011forta y\u0131\u011f\u0131mlar\u0131 \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 6 milyon manat v\u0259 ya 48 faiz art\u0131b.<\/p>\n\n\n\n Ekspertl\u0259r qeyd edirl\u0259r ki, ticar\u0259t m\u0259rk\u0259zl\u0259rind\u0259 yan\u011f\u0131n riskinin artmas\u0131 fonunda F\u00f6vq\u0259lad\u0259 Hallar Nazirliyi v\u0259 dig\u0259r d\u00f6vl\u0259t qurumlar kommersiya obyekl\u0259rinin sahibl\u0259rind\u0259n s\u0131\u011fortalanman\u0131 t\u0259l\u0259b etm\u0259y\u0259 ba\u015flay\u0131b. Bu istiqam\u0259td\u0259 apar\u0131lan t\u0259bli\u011fat\u0131n 2025-ci ild\u0259 artmas\u0131 y\u0131\u011f\u0131mlara da m\u00fcsb\u0259t t\u0259sirini g\u00f6st\u0259rib.<\/p>\n\n\n\n K\u00f6n\u00fcll\u00fc s\u0131\u011forta \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259r\u0259 g\u0259linc\u0259, 2026-c\u0131 ilin yanvar-fevral aylar\u0131nda 409 min manat \u00f6d\u0259ni\u015f h\u0259yata ke\u00e7irilib ki, bu da \u00f6t\u0259n ilin eyni d\u00f6vr\u00fc il\u0259 m\u00fcqayis\u0259d\u0259 2,5 d\u0259f\u0259 \u00e7oxdur.<\/p>\n","protected":false},"excerpt":{"rendered":" Mart ay\u0131n\u0131n sonlar\u0131nda ya\u011fan intensiv ya\u011f\u0131\u015flardan sonra da\u015f\u0131nmaz \u0259mlak\u0131n s\u0131\u011fortalanmas\u0131 … <\/p>\n
\u201cM\u00f6vcud qanunvericiliy\u0259 \u0259sas\u0259n, bel\u0259 hallar r\u0259smi \u015f\u0259kild\u0259 t\u0259bii f\u0259lak\u0259t kimi qiym\u0259tl\u0259ndirildiyi t\u0259qdird\u0259, z\u0259r\u0259r\u00e7\u0259kmi\u015f v\u0259t\u0259nda\u015flara d\u00f6vl\u0259t t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n h\u0259cmd\u0259 maliyy\u0259 d\u0259st\u0259yi g\u00f6st\u0259ril\u0259 bil\u0259r. Lakin hadis\u0259 bu statusu almazsa, d\u0259ymi\u015f ziyan\u0131n qar\u015f\u0131lanmas\u0131 v\u0259t\u0259nda\u015flar\u0131n \u00f6z \u00fcz\u0259rin\u0259 d\u00fc\u015f\u00fcr. Problemin \u0259n h\u0259ssas t\u0259r\u0259fi is\u0259 ondan ibar\u0259tdir ki, z\u0259r\u0259r g\u00f6r\u0259n evl\u0259rin \u0259ks\u0259riyy\u0259ti \u00e7\u0131xar\u0131\u015fs\u0131z oldu\u011fundan r\u0259smi qaydada s\u0131\u011fortalana bilmir. Bu is\u0259 o dem\u0259kdir ki, v\u0259t\u0259nda\u015flar n\u0259 s\u0131\u011forta \u00f6d\u0259ni\u015find\u0259n yararlana bilir, n\u0259 d\u0259 b\u0259zi hallarda d\u00f6vl\u0259t kompensasiyas\u0131na tam \u00e7\u0131x\u0131\u015f \u0259ld\u0259 ed\u0259 bilirl\u0259r\u201d.<\/em><\/p>\n\n\n\n\u018fmlak\u0131n s\u0131\u011fortas\u0131na maraq k\u0259skin azal\u0131b<\/strong><\/h4>\n\n\n\n