{"id":95,"date":"2018-07-25T17:43:41","date_gmt":"2018-07-25T13:43:41","guid":{"rendered":"https:\/\/uniprice.az\/?p=95"},"modified":"2018-07-25T17:43:41","modified_gmt":"2018-07-25T13:43:41","slug":"ipoteka-il%c9%99-bagli-qanunda-d%c9%99yisiklikl%c9%99r-oldu","status":"publish","type":"post","link":"https:\/\/uniprice.az\/en\/ipoteka-il%c9%99-bagli-qanunda-d%c9%99yisiklikl%c9%99r-oldu\/","title":{"rendered":"\u0130poteka il\u0259 ba\u011fl\u0131 qanunda d\u0259yi\u015fiklikl\u0259r oldu"},"content":{"rendered":"
\n

Prezident \u0130lham \u018fliyev \u201cAz\u0259rbaycan Respublikas\u0131nda ipoteka kreditl\u0259\u015fm\u0259sinin b\u0259zi m\u0259s\u0259l\u0259l\u0259ri haqq\u0131nda\u201d Az\u0259rbaycan Respublikas\u0131 Prezidentinin 2016-c\u0131 il 22 iyun tarixli 940 n\u00f6mr\u0259li f\u0259rman\u0131nda d\u0259yi\u015fiklikl\u0259r edilm\u0259si bar\u0259d\u0259 f\u0259rman imzalay\u0131b.<\/strong><\/p>\n

D\u0259yi\u015fiklikl\u0259r\u0259 \u0259sas\u0259n f\u0259rmanda 5-7-ci hiss\u0259l\u0259r l\u0259\u011fv edilir. H\u0259min f\u0259rmanla t\u0259sdiq edilmi\u015f \u201cAz\u0259rbaycan Respublikas\u0131 \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondunun v\u0259saiti hesab\u0131na ipoteka kreditinin, o c\u00fcml\u0259d\u0259n g\u00fcz\u0259\u015ftli ipoteka kreditinin verilm\u0259si Qaydas\u0131\u201d \u00fczr\u0259:<\/p>\n

\u2013 1-ci hiss\u0259d\u0259 \u201chabel\u0259\u201d s\u00f6z\u00fcnd\u0259n sonra \u201cipoteka kreditinin restrukturizasiyas\u0131 v\u0259\u201d s\u00f6zl\u0259ri \u0259lav\u0259 edilir;
\n\u2013 3.1.4-c\u00fc yar\u0131mb\u0259nd a\u015fa\u011f\u0131dak\u0131 redaksiyada verilir:<\/p>\n

\u201c3.1.4. kredit, \u00fcz\u0259rind\u0259 m\u00fclkiyy\u0259t h\u00fcququ d\u00f6vl\u0259t qeydiyyat\u0131na v\u0259 ya qabaqcadan qeydiyyata al\u0131nm\u0131\u015f ya\u015fay\u0131\u015f sah\u0259sinin, o c\u00fcml\u0259d\u0259n Az\u0259rbaycan Respublikas\u0131n\u0131n M\u00fclki M\u0259c\u0259ll\u0259sin\u0259 uy\u011fun olaraq bar\u0259sind\u0259 t\u0259minat qeydi apar\u0131lm\u0131\u015f tikintisi ba\u015fa \u00e7atmayan binan\u0131n yerl\u0259\u015fdiyi torpaq sah\u0259sind\u0259 t\u0259rkib hiss\u0259l\u0259rin ba\u011fl\u0131 oldu\u011fu pay\u0131n al\u0131nmas\u0131na verilm\u0259lidir. Fondun \u0130dar\u0259 Hey\u0259ti ipoteka kreditl\u0259ri \u00fczr\u0259 riskl\u0259rin idar\u0259 edilm\u0259si, ipoteka il\u0259 y\u00fckl\u00fc edil\u0259n ya\u015fay\u0131\u015f sah\u0259l\u0259rinin likvidliyinin t\u0259min olunmas\u0131 m\u0259qs\u0259dil\u0259 ya\u015fay\u0131\u015f sah\u0259sinin ilkin v\u0259 ya t\u0259krar bazarda al\u0131nmas\u0131ndan as\u0131l\u0131 olaraq ya\u015fay\u0131\u015f sah\u0259sin\u0259 dair (tikildiyi il, layih\u0259si, istismar v\u0259ziyy\u0259ti, yerl\u0259\u015fm\u0259 yeri v\u0259 s.) \u0259lav\u0259 t\u0259l\u0259bl\u0259ri v\u0259 bu Qaydan\u0131n 3.1.6-c\u0131 v\u0259 3.1.7-ci yar\u0131mb\u0259ndl\u0259ri n\u0259z\u0259r\u0259 al\u0131nmaqla, kreditin m\u0259bl\u0259\u011fi v\u0259 kredit \u00fczr\u0259 illik faiz d\u0259r\u0259c\u0259l\u0259rin\u0259 dair \u015f\u0259rtl\u0259ri m\u00fc\u0259yy\u0259n edir;\u201d;<\/p>\n

\u2013 3.1.7-ci yar\u0131mb\u0259ndd\u0259 \u201cfaiz d\u0259r\u0259c\u0259l\u0259ri\u201d s\u00f6zl\u0259ri \u201cfaiz d\u0259r\u0259c\u0259l\u0259rinin yuxar\u0131 h\u0259ddi\u201d s\u00f6zl\u0259ri il\u0259 \u0259v\u0259z edilir;<\/p>\n

\u2013 3.1.10-cu yar\u0131mb\u0259ndin sonunda n\u00f6qt\u0259li verg\u00fcl i\u015far\u0259si n\u00f6qt\u0259 i\u015far\u0259si il\u0259 \u0259v\u0259z edilir v\u0259 h\u0259min yar\u0131mb\u0259nd\u0259 a\u015fa\u011f\u0131dak\u0131 m\u0259zmunda ikinci c\u00fcml\u0259 \u0259lav\u0259 edilir:<\/p>\n

\u201cBu t\u0259l\u0259b ipoteka kreditinin m\u0259bl\u0259\u011finin kreditin verildiyi tarix\u0259 ipoteka il\u0259 y\u00fckl\u00fc edil\u0259n ilkin bazardak\u0131 ya\u015fay\u0131\u015f sah\u0259sinin qiym\u0259tinin 60 faizind\u0259n az oldu\u011fu hallara \u015famil edilmir;\u201d;<\/p>\n

4.8-ci b\u0259ndin ikinci c\u00fcml\u0259si \u00fc\u00e7\u00fcnc\u00fc c\u00fcml\u0259 hesab edilir v\u0259 b\u0259nd\u0259 a\u015fa\u011f\u0131dak\u0131 m\u0259zmunda ikinci c\u00fcml\u0259 \u0259lav\u0259 edilir:<\/p>\n

\u201cAz\u0259rbaycan Respublikas\u0131 Prezidentinin 2018-ci il 1 may tarixli 29 n\u00f6mr\u0259li F\u0259rman\u0131 il\u0259 t\u0259sdiq edilmi\u015f \u201cAz\u0259rbaycan Respublikas\u0131n\u0131n \u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu t\u0259r\u0259find\u0259n ipoteka kreditl\u0259ri \u00fczr\u0259 t\u0259minat verilm\u0259si Qaydas\u0131\u201dna m\u00fcvafiq olaraq ipoteka krediti almaq ist\u0259y\u0259n \u015f\u0259xs ipoteka krediti \u00fczr\u0259 t\u0259minat al\u0131nmas\u0131 \u00fc\u00e7\u00fcn m\u00fcraci\u0259t etdikd\u0259, kreditin verilm\u0259sin\u0259 dair q\u0259rar t\u0259minatla ba\u011fl\u0131 Fondun q\u0259rar\u0131n\u0131n m\u00fcv\u0259kkil banka bildirilm\u0259sind\u0259n sonra q\u0259bul edilir.\u201d;<\/p>\n

Bundan ba\u015fqa, f\u0259rmana a\u015fa\u011f\u0131dak\u0131 m\u0259zmunda 6-1-ci hiss\u0259 \u0259lav\u0259 edilir:<\/p>\n

\u201c6-1. \u0130poteka kreditinin restrukturizasiyas\u0131<\/p>\n

6-1.1. \u0130qtisadi v\u0259 (v\u0259 ya) h\u00fcquqi \u015f\u0259raitin d\u0259yi\u015fm\u0259si, habel\u0259 borcalan\u0131n maliyy\u0259 \u00e7\u0259tinliyinin yaranmas\u0131 s\u0259b\u0259bind\u0259n borc \u00f6hd\u0259liyinin icras\u0131n\u0131 t\u0259min etm\u0259k m\u0259qs\u0259dil\u0259 yenid\u0259n maliyy\u0259l\u0259\u015fdirilmi\u015f ipoteka krediti \u00fczr\u0259 borcalan kredit m\u00fcqavil\u0259sinin \u015f\u0259rtl\u0259rinin d\u0259yi\u015fdirilm\u0259si (kreditin restrukturizasiyas\u0131) \u00fc\u00e7\u00fcn m\u00fcv\u0259kkil banka elektron sistem vasit\u0259sil\u0259 m\u00fcraci\u0259t ed\u0259 bil\u0259r.<\/p>\n

6-1.2. M\u00fcv\u0259kkil bank 3 i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 borcalan\u0131n ipoteka krediti \u00fczr\u0259 \u00f6hd\u0259liyinin restrukturizasiyas\u0131 haqq\u0131nda m\u00fcraci\u0259tini elektron sistem vasit\u0259sil\u0259 \u0259ld\u0259 olunan, elektron sistem vasit\u0259sil\u0259 \u0259ld\u0259 edilm\u0259si m\u00fcmk\u00fcn olmad\u0131\u011f\u0131 hallarda is\u0259 borcalan\u0131n t\u0259qdim etdiyi s\u0259n\u0259dl\u0259r \u0259sas\u0131nda yoxlay\u0131r v\u0259 m\u00fcraci\u0259tin bu Qaydan\u0131n 6-1-ci hiss\u0259sin\u0259 uy\u011fun oldu\u011funu m\u00fc\u0259yy\u0259nl\u0259\u015fdirdikd\u0259 ipoteka kreditinin restrukturizasiya edilm\u0259si bar\u0259d\u0259 Fonda m\u00fcraci\u0259t edir.<\/p>\n

6-1.3. Fond m\u00fcraci\u0259t daxil oldu\u011fu tarixd\u0259n 10 i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 borcalan\u0131n m\u00fcraci\u0259ti il\u0259 ba\u011fl\u0131 ipoteka kreditinin restrukturizasiyas\u0131 bar\u0259d\u0259 raz\u0131l\u0131q v\u0259 ya \u0259sasland\u0131r\u0131lm\u0131\u015f imtina haqq\u0131nda q\u0259rar q\u0259bul edir. H\u0259min q\u0259rar q\u0259bul edildiyi g\u00fcn, borcalana v\u0259 m\u00fcv\u0259kkil banka bildirilm\u0259kl\u0259, elektron sistemd\u0259 yerl\u0259\u015fdirilir.<\/p>\n

6-1.4. Fond t\u0259r\u0259find\u0259n ipoteka kreditinin restrukturizasiyas\u0131na raz\u0131l\u0131q bar\u0259d\u0259 q\u0259rar elektron sistemd\u0259 yerl\u0259\u015fdirildiyi tarixd\u0259n 5 i\u015f g\u00fcn\u00fc m\u00fcdd\u0259tind\u0259 kreditin restrukturizasiyas\u0131n\u0131n r\u0259smil\u0259\u015fdirilm\u0259si h\u0259yata ke\u00e7irilir.<\/p>\n

<\/div>\n

6-1.5. \u0130poteka kreditinin restrukturizasiyas\u0131 a\u015fa\u011f\u0131dak\u0131 formalarda h\u0259yata ke\u00e7iril\u0259 bil\u0259r:<\/p>\n

6-1.5.1. kredit m\u0259bl\u0259\u011find\u0259n \u00e7ox olmamaq \u015f\u0259rtil\u0259 kredit \u00fczr\u0259 hesablanm\u0131\u015f faizl\u0259rin kapitalla\u015fd\u0131r\u0131laraq \u0259sas borcun m\u0259bl\u0259\u011fin\u0259 \u0259lav\u0259 olunmas\u0131;<\/p>\n

6-1.5.2. bu Qaydan\u0131n kreditin maksimum m\u00fcdd\u0259tin\u0259 dair t\u0259l\u0259bi n\u0259z\u0259r\u0259 al\u0131nmaqla kreditin m\u00fcdd\u0259tinin uzad\u0131lmas\u0131;<\/p>\n

6-1.5.3. m\u00fcv\u0259kkil bank\u0131n raz\u0131l\u0131\u011f\u0131 il\u0259 kredit \u00fczr\u0259 faiz d\u0259r\u0259c\u0259sinin bank\u0131n xidm\u0259t haqq\u0131s\u0131 hesab\u0131na azald\u0131lmas\u0131;<\/p>\n

6-1.5.4. ipoteka krediti \u00fczr\u0259 \u00f6d\u0259ni\u015fl\u0259r\u0259 1 ild\u0259n \u00e7ox olmayan m\u00fcdd\u0259t\u0259 fasil\u0259 verilm\u0259si.<\/p>\n

6-1.6. Restrukturizasiya formalar\u0131 birlikd\u0259 v\u0259 ya ayr\u0131l\u0131qda t\u0259tbiq edil\u0259 bil\u0259r. Restrukturizasiya kreditin q\u00fcvv\u0259d\u0259 oldu\u011fu m\u00fcdd\u0259t \u0259rzind\u0259 \u0259n \u00e7oxu 3 d\u0259f\u0259 h\u0259yata ke\u00e7iril\u0259 bil\u0259r v\u0259 bu restrukturizasiyalar aras\u0131ndak\u0131 d\u00f6vr minimum 1 il olmal\u0131d\u0131r.<\/p>\n

6-1.7. A\u015fa\u011f\u0131dak\u0131 hallarda Fond t\u0259r\u0259find\u0259n ipoteka kreditinin restrukturizasiyas\u0131ndan imtina edilir:<\/p>\n

6-1.7.1. borcalan\u0131n maliyy\u0259 v\u0259ziyy\u0259tinin pisl\u0259\u015fm\u0259si v\u0259 dig\u0259r maliyy\u0259 \u00e7\u0259tinliyi yaradan hallarla \u00fczl\u0259\u015fm\u0259sini t\u0259sdiq ed\u0259n s\u0259n\u0259dl\u0259r t\u0259qdim edilm\u0259dikd\u0259 v\u0259 ya t\u0259qdim edilmi\u015f s\u0259n\u0259dl\u0259rd\u0259 g\u00f6st\u0259ril\u0259n m\u0259lumatlar \u00f6z t\u0259sdiqini tapmad\u0131qda;<\/p>\n

6-1.7.2. restrukturizasiya \u00fc\u00e7\u00fcn m\u00fcraci\u0259t olunan kredit bu Qaydan\u0131n 6-1.8-ci yar\u0131mb\u0259ndin\u0259 \u0259sas\u0259n Fond t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n olunan t\u0259l\u0259bl\u0259r\u0259 cavab verm\u0259dikd\u0259.<\/p>\n

6-1.8. \u0130poteka kreditinin restrukturizasiyas\u0131na dair s\u0259n\u0259dl\u0259rin siyah\u0131s\u0131 v\u0259 dig\u0259r t\u0259l\u0259bl\u0259r Fondun \u0130dar\u0259 Hey\u0259ti t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n olunur.\u201d.<\/p>\n

M\u00fc\u0259yy\u0259n edilir ki, bar\u0259sind\u0259 t\u0259minat qeydi apar\u0131lm\u0131\u015f tikintisi ba\u015fa \u00e7atmayan binan\u0131n yerl\u0259\u015fdiyi torpaq sah\u0259sind\u0259 t\u0259rkib hiss\u0259l\u0259rin ba\u011fl\u0131 oldu\u011fu pay\u0131n al\u0131nmas\u0131na g\u00f6r\u0259 kreditin verilm\u0259si 2018-ci il iyulun 1-d\u0259n t\u0259tbiq edilir.<\/p>\n

Nazirl\u0259r Kabinetin\u0259 Az\u0259rbaycan Respublikas\u0131 Prezidentinin aktlar\u0131n\u0131n bu f\u0259rmana uy\u011funla\u015fd\u0131r\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 t\u0259klifl\u0259rini \u00fc\u00e7 ay m\u00fcdd\u0259tind\u0259 haz\u0131rlay\u0131b Az\u0259rbaycan Prezidentin\u0259 t\u0259qdim etm\u0259k; Nazirl\u0259r Kabinetinin normativ h\u00fcquqi aktlar\u0131n\u0131n bu f\u0259rmana uy\u011funla\u015fd\u0131r\u0131lmas\u0131n\u0131 \u00fc\u00e7 ay m\u00fcdd\u0259tind\u0259 t\u0259min edib Az\u0259rbaycan Prezidentin\u0259 m\u0259lumat verm\u0259k; m\u0259rk\u0259zi icra hakimiyy\u0259ti orqanlar\u0131n\u0131n normativ h\u00fcquqi aktlar\u0131n\u0131n bu F\u0259rmana uy\u011funla\u015fd\u0131r\u0131lmas\u0131n\u0131 n\u0259zar\u0259td\u0259 saxlamaq v\u0259 bunun icras\u0131 bar\u0259d\u0259 be\u015f ay m\u00fcdd\u0259tind\u0259 Az\u0259rbaycan Prezidentin\u0259 m\u0259lumat verm\u0259k tap\u015f\u0131r\u0131l\u0131b.<\/p>\n

\u018fdliyy\u0259 Nazirliyi m\u0259rk\u0259zi icra hakimiyy\u0259ti orqanlar\u0131n\u0131n normativ h\u00fcquqi aktlar\u0131n\u0131n v\u0259 normativ xarakterli aktlar\u0131n bu f\u0259rmana uy\u011funla\u015fd\u0131r\u0131lmas\u0131n\u0131 t\u0259min edib Az\u0259rbaycan Respublikas\u0131n\u0131n Nazirl\u0259r Kabinetin\u0259 m\u0259lumat ver\u0259c\u0259k.<\/p>\n

\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu bu f\u0259rmandan ir\u0259li g\u0259l\u0259n m\u0259s\u0259l\u0259l\u0259ri h\u0259ll ed\u0259c\u0259k.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Prezident \u0130lham \u018fliyev \u201cAz\u0259rbaycan Respublikas\u0131nda ipoteka kreditl\u0259\u015fm\u0259sinin b\u0259zi m\u0259s\u0259l\u0259l\u0259ri haqq\u0131nda\u201d […]<\/p>\n","protected":false},"author":1,"featured_media":96,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/posts\/95"}],"collection":[{"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/comments?post=95"}],"version-history":[{"count":1,"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/posts\/95\/revisions"}],"predecessor-version":[{"id":97,"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/posts\/95\/revisions\/97"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/media\/96"}],"wp:attachment":[{"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/media?parent=95"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/categories?post=95"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/uniprice.az\/en\/wp-json\/wp\/v2\/tags?post=95"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}