{"id":10239,"date":"2026-03-12T22:38:36","date_gmt":"2026-03-12T18:38:36","guid":{"rendered":"https:\/\/amip.az\/?p=10239"},"modified":"2026-03-12T22:38:40","modified_gmt":"2026-03-12T18:38:40","slug":"ipoteka-niy%c9%99-h%c9%99r-k%c9%99s-ucun-%c9%99lcatan-deyil-aciqlama","status":"publish","type":"post","link":"https:\/\/amip.az\/az\/2026\/03\/12\/ipoteka-niy%c9%99-h%c9%99r-k%c9%99s-ucun-%c9%99lcatan-deyil-aciqlama\/","title":{"rendered":"\u0130poteka niy\u0259 h\u0259r k\u0259s \u00fc\u00e7\u00fcn \u0259l\u00e7atan deyil? &#8211;\u00a0A\u00c7IQLAMA"},"content":{"rendered":"\n<p><strong>&#8220;T\u0259\u0259ss\u00fcf ki, ipoteka kreditl\u0259ri bu g\u00fcn h\u0259r k\u0259s \u00fc\u00e7\u00fcn \u0259l\u00e7atan deyil. X\u00fcsusil\u0259 g\u0259ncl\u0259r \u00fc\u00e7\u00fcn bu imkan daha m\u0259hduddur. \u00c7\u00fcnki g\u0259ncl\u0259r aras\u0131nda i\u015fsizlik problemi v\u0259 ya bir \u00e7ox hallarda \u0259m\u0259khaqlar\u0131 ipoteka kreditl\u0259rinin ayl\u0131q \u00f6d\u0259ni\u015fl\u0259rini qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn yet\u0259rli olmur. Bu s\u0259b\u0259bd\u0259n ipoteka fonduna ayr\u0131lan v\u0259sait art\u0131r\u0131lmal\u0131d\u0131r ki, daha \u00e7ox insan bu imkanlardan yararlana bilsin&#8221;.<\/strong><\/p>\n\n\n\n<p>Bu s\u00f6zl\u0259ri\u00a0Missiya.Az-a a\u00e7\u0131qlamas\u0131nda <strong>deputat Arzuxan \u018flizad\u0259<\/strong> deyib.<\/p>\n\n\n\n<p>O bildirib ki, dig\u0259r m\u00fch\u00fcm m\u0259s\u0259l\u0259 is\u0259 ipoteka kreditl\u0259rinin faiz d\u0259r\u0259c\u0259l\u0259ridir:<\/p>\n\n\n\n<p>&#8220;Bir \u00e7ox Avropa \u00f6lk\u0259l\u0259ri, el\u0259c\u0259 d\u0259 b\u0259zi qon\u015fu d\u00f6vl\u0259tl\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 Az\u0259rbaycanda ipoteka faizl\u0259ri daha y\u00fcks\u0259kdir. Haz\u0131rda \u0259sas ipoteka kreditl\u0259ri t\u0259xmin\u0259n 8 faiz, b\u0259zi hallarda is\u0259 7 faizl\u0259 t\u0259qdim olunur. Bundan ba\u015fqa, 4 faizl\u0259 veril\u0259n g\u00fcz\u0259\u015ftli ipoteka kreditl\u0259ri d\u0259 m\u00f6vcuddur, lakin bu kateqoriya b\u00fct\u00fcn v\u0259t\u0259nda\u015flara \u015famil edilmir. G\u00fcz\u0259\u015ftli ipoteka kreditl\u0259ri \u0259sas\u0259n m\u00fc\u0259yy\u0259n kateqoriyalara \u2013 m\u0259s\u0259l\u0259n, uzun m\u00fcdd\u0259t m\u00fc\u0259llimlik f\u0259aliyy\u0259ti il\u0259 m\u0259\u015f\u011ful olan v\u0259 ya b\u0259zi dig\u0259r sah\u0259l\u0259rd\u0259 m\u00fc\u0259yy\u0259n m\u00fcdd\u0259t \u00e7al\u0131\u015fan \u015f\u0259xsl\u0259r\u0259 t\u0259qdim olunur. Lakin bu kateqoriya kifay\u0259t q\u0259d\u0259r m\u0259hduddur v\u0259 geni\u015f k\u00fctl\u0259ni \u0259hat\u0259 etmir. Buna g\u00f6r\u0259 d\u0259 hesab edir\u0259m ki, ipoteka kreditl\u0259rinin faizl\u0259ri a\u015fa\u011f\u0131 sal\u0131nmal\u0131, eyni zamanda ipoteka fonduna ayr\u0131lan v\u0259sait art\u0131r\u0131lmal\u0131d\u0131r ki, daha \u00e7ox insan bu imkanlardan yararlana bilsin&#8221;,-deputat bildirib.<\/p>\n\n\n\n<p>Arzuxan \u018flizad\u0259nin s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, dig\u0259r t\u0259r\u0259fd\u0259n, haz\u0131rda m\u0259nzil bazar\u0131nda qiym\u0259tl\u0259r kifay\u0259t q\u0259d\u0259r y\u00fcks\u0259kdir v\u0259 bu da ipoteka kreditl\u0259rinin \u0259l\u00e7atanl\u0131\u011f\u0131n\u0131 daha da \u00e7\u0259tinl\u0259\u015fdirir. \u0130poteka kreditl\u0259ri veril\u0259rk\u0259n t\u0259l\u0259b olunan ilkin \u00f6d\u0259ni\u015f faizl\u0259ri d\u0259 az deyil. Bir \u00e7ox hallarda ilkin \u00f6d\u0259ni\u015f 30 faiz, b\u0259zi hallarda is\u0259 40\u201350 faiz, h\u0259tta b\u0259z\u0259n 60 faiz\u0259 q\u0259d\u0259r y\u00fcks\u0259lir. M\u0259nzil qiym\u0259tl\u0259rinin y\u00fcks\u0259k oldu\u011fu \u015f\u0259raitd\u0259 bu m\u0259bl\u0259\u011fi toplamaq is\u0259 h\u0259r k\u0259s \u00fc\u00e7\u00fcn m\u00fcmk\u00fcn olmur. Bu bax\u0131mdan ipoteka kreditl\u0259rinin \u0259l\u00e7atanl\u0131\u011f\u0131 il\u0259 ba\u011fl\u0131 ciddi probleml\u0259rin m\u00f6vcud oldu\u011funu d\u00fc\u015f\u00fcn\u00fcr\u0259m v\u0259 hesab edir\u0259m ki, ipoteka bazar\u0131nda bu m\u0259s\u0259l\u0259l\u0259r daha effektiv \u015f\u0259kild\u0259 t\u0259nziml\u0259nm\u0259lidir. \u0130lk n\u00f6vb\u0259d\u0259 faiz d\u0259r\u0259c\u0259l\u0259rinin a\u015fa\u011f\u0131 sal\u0131nmas\u0131na, ipoteka fondunun v\u0259saitinin art\u0131r\u0131lmas\u0131na v\u0259 kredit \u015f\u0259rtl\u0259rinin m\u00fc\u0259yy\u0259n q\u0259d\u0259r yum\u015fald\u0131lmas\u0131na ehtiyac var. Eyni zamanda ipoteka kreditl\u0259rind\u0259n yararlana bil\u0259n \u015f\u0259xsl\u0259rin dair\u0259sinin geni\u015fl\u0259ndirilm\u0259si \u00fc\u00e7\u00fcn \u0259lav\u0259 t\u0259dbirl\u0259r g\u00f6r\u00fclm\u0259lidir.<\/p>\n\n\n\n<p>&#8220;X\u00fcsusil\u0259 g\u0259ncl\u0259r \u00fc\u00e7\u00fcn m\u0259nzil probleminin h\u0259lli b\u00f6y\u00fck \u0259h\u0259miyy\u0259t k\u0259sb edir. Bu g\u00fcn bir \u00e7ox g\u0259nc ail\u0259 qurmaq m\u0259s\u0259l\u0259sind\u0259 t\u0259r\u0259dd\u00fcd edir v\u0259 bunun \u0259sas s\u0259b\u0259bl\u0259rind\u0259n biri d\u0259 \u015f\u0259xsi m\u0259nzilinin olmamas\u0131d\u0131r. \u0130poteka kreditl\u0259rinin daha \u0259l\u00e7atan olmas\u0131 yeni ail\u0259l\u0259rin qurulmas\u0131na da m\u00fcsb\u0259t t\u0259sir g\u00f6st\u0259r\u0259 v\u0259 m\u00fc\u0259yy\u0259n stimul yarada bil\u0259r. Bu bax\u0131mdan m\u0259s\u0259l\u0259 olduqca ciddi v\u0259 diqq\u0259t m\u0259rk\u0259zind\u0259 saxlan\u0131lmal\u0131 bir problem kimi qiym\u0259tl\u0259ndirilm\u0259lidir. Problemin h\u0259lli istiqam\u0259tind\u0259 m\u00fcvafiq qurumlar t\u0259r\u0259find\u0259n konkret add\u0131mlar at\u0131lmal\u0131d\u0131r. Eyni zamanda qanunvericilik sah\u0259sind\u0259 d\u0259 m\u00fc\u0259yy\u0259n d\u0259yi\u015fiklikl\u0259r\u0259 ehtiyac var. Milli M\u0259clisd\u0259 d\u0259 bu m\u0259s\u0259l\u0259 il\u0259 ba\u011fl\u0131 m\u00f6vqeyimizi ifad\u0259 etmi\u015fik v\u0259 hesab edir\u0259m ki, bundan sonra da bu istiqam\u0259td\u0259 f\u0259aliyy\u0259timizi davam etdir\u0259c\u0259yik&#8221;,-A.\u018flizad\u0259 \u0259lav\u0259 edib.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;T\u0259\u0259ss\u00fcf ki, ipoteka kreditl\u0259ri bu g\u00fcn h\u0259r k\u0259s \u00fc\u00e7\u00fcn \u0259l\u00e7atan deyil. X\u00fcsusil\u0259 g\u0259ncl\u0259r \u00fc\u00e7\u00fcn bu imkan daha m\u0259hduddur. \u00c7\u00fcnki g\u0259ncl\u0259r aras\u0131nda i\u015fsizlik problemi v\u0259 ya bir \u00e7ox hallarda \u0259m\u0259khaqlar\u0131 ipoteka kreditl\u0259rinin ayl\u0131q \u00f6d\u0259ni\u015fl\u0259rini qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn yet\u0259rli olmur. Bu s\u0259b\u0259bd\u0259n ipoteka fonduna ayr\u0131lan v\u0259sait art\u0131r\u0131lmal\u0131d\u0131r ki, daha \u00e7ox insan bu imkanlardan yararlana bilsin&#8221;. Bu s\u00f6zl\u0259ri\u00a0Missiya.Az-a a\u00e7\u0131qlamas\u0131nda deputat Arzuxan \u018flizad\u0259 deyib. O bildirib ki, dig\u0259r m\u00fch\u00fcm m\u0259s\u0259l\u0259 is\u0259 ipoteka kreditl\u0259rinin faiz d\u0259r\u0259c\u0259l\u0259ridir: &#8220;Bir \u00e7ox Avropa \u00f6lk\u0259l\u0259ri, el\u0259c\u0259 d\u0259 b\u0259zi qon\u015fu d\u00f6vl\u0259tl\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 Az\u0259rbaycanda ipoteka faizl\u0259ri daha [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":9112,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-10239","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kiv"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0130poteka niy\u0259 h\u0259r k\u0259s \u00fc\u00e7\u00fcn \u0259l\u00e7atan deyil? -\u00a0A\u00c7IQLAMA - Az\u0259rbaycan Milli \u0130stiqlal Partiyas\u0131<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/amip.az\/az\/2026\/03\/12\/ipoteka-niy\u0259-h\u0259r-k\u0259s-ucun-\u0259lcatan-deyil-aciqlama\/\" \/>\n<meta property=\"og:locale\" content=\"az_AZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0130poteka niy\u0259 h\u0259r k\u0259s \u00fc\u00e7\u00fcn \u0259l\u00e7atan deyil? -\u00a0A\u00c7IQLAMA - Az\u0259rbaycan Milli \u0130stiqlal Partiyas\u0131\" \/>\n<meta property=\"og:description\" content=\"&#8220;T\u0259\u0259ss\u00fcf ki, ipoteka kreditl\u0259ri bu g\u00fcn h\u0259r k\u0259s \u00fc\u00e7\u00fcn \u0259l\u00e7atan deyil. X\u00fcsusil\u0259 g\u0259ncl\u0259r \u00fc\u00e7\u00fcn bu imkan daha m\u0259hduddur. \u00c7\u00fcnki g\u0259ncl\u0259r aras\u0131nda i\u015fsizlik problemi v\u0259 ya bir \u00e7ox hallarda \u0259m\u0259khaqlar\u0131 ipoteka kreditl\u0259rinin ayl\u0131q \u00f6d\u0259ni\u015fl\u0259rini qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn yet\u0259rli olmur. Bu s\u0259b\u0259bd\u0259n ipoteka fonduna ayr\u0131lan v\u0259sait art\u0131r\u0131lmal\u0131d\u0131r ki, daha \u00e7ox insan bu imkanlardan yararlana bilsin&#8221;. Bu s\u00f6zl\u0259ri\u00a0Missiya.Az-a a\u00e7\u0131qlamas\u0131nda deputat Arzuxan \u018flizad\u0259 deyib. O bildirib ki, dig\u0259r m\u00fch\u00fcm m\u0259s\u0259l\u0259 is\u0259 ipoteka kreditl\u0259rinin faiz d\u0259r\u0259c\u0259l\u0259ridir: &#8220;Bir \u00e7ox Avropa \u00f6lk\u0259l\u0259ri, el\u0259c\u0259 d\u0259 b\u0259zi qon\u015fu d\u00f6vl\u0259tl\u0259rl\u0259 m\u00fcqayis\u0259d\u0259 Az\u0259rbaycanda ipoteka faizl\u0259ri daha [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/amip.az\/az\/2026\/03\/12\/ipoteka-niy\u0259-h\u0259r-k\u0259s-ucun-\u0259lcatan-deyil-aciqlama\/\" \/>\n<meta property=\"og:site_name\" content=\"Az\u0259rbaycan Milli \u0130stiqlal Partiyas\u0131\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/istiqlal91\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-12T18:38:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-12T18:38:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/amip.az\/wp-content\/uploads\/2025\/09\/68ca92fe2b92468ca92fe2b925175810636668ca92fe2b92268ca92fe2b923-1.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"749\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin_amip\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@APartiyas\" \/>\n<meta name=\"twitter:site\" content=\"@APartiyas\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin_amip\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/amip.az\/2026\/03\/12\/ipoteka-niy%c9%99-h%c9%99r-k%c9%99s-ucun-%c9%99lcatan-deyil-aciqlama\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/amip.az\/2026\/03\/12\/ipoteka-niy%c9%99-h%c9%99r-k%c9%99s-ucun-%c9%99lcatan-deyil-aciqlama\/\"},\"author\":{\"name\":\"admin_amip\",\"@id\":\"https:\/\/amip.az\/az\/#\/schema\/person\/a7055ff0b4631c41849ee16f8ff51da7\"},\"headline\":\"\u0130poteka niy\u0259 h\u0259r k\u0259s \u00fc\u00e7\u00fcn \u0259l\u00e7atan deyil? 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