{"id":96452,"date":"2025-04-03T10:47:09","date_gmt":"2025-04-03T06:47:09","guid":{"rendered":"https:\/\/jam-news.net\/az\/?p=96452"},"modified":"2025-04-04T10:31:07","modified_gmt":"2025-04-04T06:31:07","slug":"bakida-satmaq-ohd%c9%99liyi-il%c9%99-kiray%c9%99-m%c9%99nzill%c9%99ri-sosial-layih%c9%99-yoxsa-elit-seqment","status":"publish","type":"post","link":"https:\/\/jam-news.net\/az\/bakida-satmaq-ohd%c9%99liyi-il%c9%99-kiray%c9%99-m%c9%99nzill%c9%99ri-sosial-layih%c9%99-yoxsa-elit-seqment\/","title":{"rendered":"Bak\u0131da “satmaq \u00f6hd\u0259liyi il\u0259 kiray\u0259” m\u0259nzill\u0259ri: Sosial layih\u0259, yoxsa elit seqment?"},"content":{"rendered":"\n

satmaq \u00f6hd\u0259liyi il\u0259 kiray\u0259 mexanizmi<\/em><\/strong><\/p>\n\n\n\n

\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondu “satmaq \u00f6hd\u0259liyi il\u0259 kiray\u0259 mexanizmi” \u00e7\u0259r\u00e7iv\u0259sind\u0259 Bak\u0131 \u015f\u0259h\u0259ri, Bin\u0259q\u0259di rayonu, C\u0259f\u0259r X\u0259ndan k\u00fc\u00e7\u0259sind\u0259 yerl\u0259\u015f\u0259n ya\u015fay\u0131\u015f kompleksind\u0259 213 yeni, tam t\u0259mirli m\u0259nzili sat\u0131\u015fa \u00e7\u0131xar\u0131b<\/a>. <\/p>\n\n\n\n

Bu mexanizmin \u0259sas m\u0259qs\u0259di m\u0259nzil almaq imkan\u0131 olmayan \u015f\u0259xsl\u0259r\u0259 daha rahat \u015f\u0259rtl\u0259rl\u0259 ev \u0259ld\u0259 etm\u0259k imkan\u0131 yaratmaqd\u0131r. <\/p>\n\n\n\n

\n

A\u00e7\u0131qlanan qiym\u0259tl\u0259r v\u0259 \u015f\u0259rtl\u0259r is\u0259 suallar do\u011furur.<\/p>\n<\/blockquote>\n\n\n\n

Bu m\u0259s\u0259l\u0259y\u0259 iqtisad\u00e7\u0131 v\u0259 ara\u015fd\u0131rma\u00e7\u0131 To\u011frul Ma\u015fall\u0131 ayd\u0131nl\u0131q g\u0259tirib<\/a>. O, qurumun “\u0259sas m\u0259qs\u0259d v\u0259t\u0259nda\u015flar\u0131n m\u0259nzil t\u0259minat\u0131n\u0131 asanla\u015fd\u0131rmaqd\u0131r” fikri il\u0259 raz\u0131la\u015fm\u0131r.<\/strong><\/p>\n\n\n\n

R\u0259smi a\u00e7\u0131qlama<\/strong><\/h2>\n\n\n\n

\u0130poteka v\u0259 Kredit Z\u0259man\u0259t Fondundan veril\u0259n r\u0259smi a\u00e7\u0131qlamada bildirilir: <\/p>\n\n\n\n

“Satmaq \u00f6hd\u0259liyi il\u0259 kiray\u0259 mexanizmi” m\u0259nzil \u0259ld\u0259 etm\u0259kd\u0259 \u00e7\u0259tinlik \u00e7\u0259k\u0259n v\u0259t\u0259nda\u015flara uzunm\u00fcdd\u0259tli v\u0259 rahat \u00f6d\u0259m\u0259 imkanlar\u0131 yaratmaq m\u0259qs\u0259di da\u015f\u0131y\u0131r. Kiray\u0259\u00e7il\u0259r m\u0259nzili ilkin \u00f6d\u0259ni\u015f etm\u0259d\u0259n \u0259ld\u0259 ed\u0259 v\u0259 uzun ill\u0259r \u0259rzind\u0259 s\u0259rf\u0259li \u015f\u0259rtl\u0259rl\u0259 \u00f6d\u0259m\u0259 imkan\u0131 qazana bil\u0259rl\u0259r. Bu model Avropa v\u0259 d\u00fcnya praktikas\u0131nda da geni\u015f istifad\u0259 edilir v\u0259 \u0259sas m\u0259qs\u0259d v\u0259t\u0259nda\u015flar\u0131n m\u0259nzil t\u0259minat\u0131n\u0131 asanla\u015fd\u0131rmaqd\u0131r”.<\/p>\n\n\n

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\n\n
\n \n\n\n\n\n\n

\n\t"H\u00f6kum\u0259t bu m\u0259nz\u0259r\u0259ni utancverici hesab etm\u0259lidir" – Az\u0259rbaycan\u0131n idxal-ixrac statistikas\u0131na iqtisad\u00e7\u0131 \u015f\u0259rhi\n<\/h2>\n\n

\n M\u00fcxalif Respublika\u00e7\u0131 Alternativ Partiyas\u0131n\u0131n s\u0259dri v\u0259 iqtisad\u00e7\u0131 Natiq C\u0259f\u0259rli 2025-ci ilin yanvar-fevral aylar\u0131 \u00fczr\u0259 a\u00e7\u0131qlanan idxal-ixrac r\u0259q\u0259ml\u0259rini t\u0259hlil ed\u0259r\u0259k, Az\u0259rbaycan\u0131n ticar\u0259t balans\u0131ndak\u0131 m\u0259nfi v\u0259ziyy\u0259ti, idxal\u0131n ixracdan \u00e7ox olmas\u0131n\u0131 t\u0259nqid edib\n<\/p>\n <\/a>\n <\/div>\n

\n
\n \n \"M\u00fcxalif\n <\/a>\n<\/figure>\n <\/div>\n <\/div>\n<\/article>\n\n\n\n

Qiym\u0259t v\u0259 \u015f\u0259rtl\u0259r: sosial layih\u0259y\u0259 uy\u011funmu?<\/strong><\/h2>\n\n\n\n

Sat\u0131\u015fa \u00e7\u0131xar\u0131lan m\u0259nzill\u0259rin ayl\u0131q \u00f6d\u0259ni\u015fl\u0259ri 954 manatdan ba\u015flay\u0131r. <\/p>\n\n\n

\n
\""Satmaq<\/figure><\/div>\n\n\n

“Bu r\u0259q\u0259m r\u0259smi statistikaya \u0259sas\u0259n Az\u0259rbaycanda orta ayl\u0131q \u0259m\u0259khaqq\u0131n\u0131n (1063 AZN, vergil\u0259r \u00e7\u0131x\u0131lmadan) t\u0259xmin\u0259n 90%-n\u0259 b\u0259rab\u0259rdir. <\/em><\/p>\n\n\n\n

Bu is\u0259 o dem\u0259kdir ki, ortalama \u0259m\u0259khaqq\u0131 alan bir v\u0259t\u0259nda\u015f\u0131n bu m\u0259nzill\u0259rd\u0259n birin\u0259 sahib olmas\u0131 \u00fc\u00e7\u00fcn b\u00fct\u00fcn maa\u015f\u0131n\u0131 ay\u0131rmas\u0131 laz\u0131md\u0131r. Praktiki bax\u0131mdan bu, real g\u00f6r\u00fcnm\u00fcr”,<\/em> \u2013 dey\u0259 iqtisad\u00e7\u0131 To\u011frul Ma\u015fall\u0131 bildirir.<\/p>\n\n\n\n

Kiml\u0259r \u00fc\u00e7\u00fcn n\u0259z\u0259rd\u0259 tutulub?<\/strong><\/h2>\n\n\n\n

R\u0259smi a\u00e7\u0131qlamalara baxmayaraq, Ma\u015fall\u0131n\u0131n fikrinc\u0259, reall\u0131qda yaln\u0131z y\u00fcks\u0259k g\u0259lirli \u015f\u0259xsl\u0259r bu \u015f\u0259rtl\u0259rl\u0259 m\u0259nzil sahibi ola bil\u0259c\u0259kl\u0259r. <\/p>\n\n\n\n

“T\u0259xmin\u0259n 2500-3000 AZN qazanc\u0131 olmayan \u015f\u0259xsl\u0259r bu m\u0259nzill\u0259ri almaq imkan\u0131na malik deyil. Halbuki, bu kateqoriyaya aid olan \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn ipoteka g\u00f6t\u00fcrm\u0259k daha \u0259lveri\u015fli ola bil\u0259r”, \u2013 o \u0259lav\u0259 edir.<\/p>\n\n\n\n

Sosial layih\u0259 ad\u0131 alt\u0131nda elit m\u0259nzill\u0259r?<\/strong><\/h2>\n\n\n\n

To\u011frul Ma\u015fall\u0131n\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, Az\u0259rbaycanda<\/a> sosial m\u0259nzill\u0259rl\u0259 ba\u011fl\u0131 \u0259vv\u0259ll\u0259r d\u0259 suallar yaran\u0131b.<\/p>\n\n\n\n

“Sosial evl\u0259r \u0259sas\u0259n a\u015fa\u011f\u0131 g\u0259lirli v\u0259t\u0259nda\u015flara y\u00f6n\u0259lik olmal\u0131d\u0131r, lakin praktikada bu evl\u0259rin al\u0131c\u0131lar\u0131 daha \u00e7ox maliyy\u0259 imkanlar\u0131 geni\u015f olan insanlar olur. Bu is\u0259 sosial \u0259dal\u0259tsizliyin d\u0259rinl\u0259\u015fm\u0259sin\u0259 g\u0259tirib \u00e7\u0131xar\u0131r”,<\/em> \u2013 o bildirir.<\/p>\n\n\n\n

H\u00f6kum\u0259tin m\u0259nzil problemini h\u0259ll etm\u0259k \u00fc\u00e7\u00fcn atd\u0131\u011f\u0131 add\u0131mlar\u0131n \u0259sas\u0259n daha y\u00fcks\u0259k g\u0259lirli \u015f\u0259xsl\u0259r\u0259 fayda verdiyini vur\u011fulayan Ma\u015fall\u0131 \u0259lav\u0259 edir: <\/p>\n\n\n\n

“Real ehtiyac\u0131 olan \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn daha \u0259l\u00e7atan v\u0259 m\u00fcnasib m\u0259nzil siyas\u0259ti apar\u0131lmal\u0131d\u0131r. Haz\u0131rk\u0131 model sad\u0259c\u0259 varl\u0131 t\u0259b\u0259q\u0259y\u0259 xidm\u0259t edir”.<\/em><\/p>\n\n\n

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\n \n\n\n\n\n\n

\n\tTrump d\u00f6vr\u00fcnd\u0259 AB\u015e C\u0259nubi Qafqazdan n\u0259 ist\u0259y\u0259 v\u0259 n\u0259y\u0259 ehtiyac duya bil\u0259r? Bak\u0131dan bax\u0131\u015f\n<\/h2>\n\n

\n Tramp d\u00f6vr\u00fcnd\u0259 AB\u015e-\u0131n C\u0259nubi Qafqazdan \u0259sas g\u00f6zl\u0259ntil\u0259ri Rusiya v\u0259 \u0130ran\u0131n regionda m\u00f6vcudlu\u011funun azalmas\u0131 v\u0259 M\u0259rk\u0259zi Asiyaya t\u0259hl\u00fck\u0259siz giri\u015f v\u0259 \u00e7\u0131x\u0131\u015f\u0131 t\u0259min edilm\u0259si olacaq. C\u0259nubi Qafqaz Ara\u015fd\u0131rmalar M\u0259rk\u0259zinin (CSSC) analitikl\u0259ri bel\u0259 hesab edirl\u0259r\n<\/p>\n <\/a>\n <\/div>\n

\n
\n \n \"Tramp\n <\/a>\n<\/figure>\n <\/div>\n <\/div>\n<\/article>\n\n\n\n

Alternativ n\u0259 ola bil\u0259r?<\/strong><\/h2>\n\n\n\n

B\u0259zi \u00f6lk\u0259l\u0259rd\u0259 sosial m\u0259nzill\u0259r a\u015fa\u011f\u0131 g\u0259lirli v\u0259t\u0259nda\u015flar \u00fc\u00e7\u00fcn x\u00fcsusi subsidiya proqramlar\u0131 il\u0259 t\u0259qdim edilir. <\/p>\n\n\n\n

“M\u0259s\u0259l\u0259n, uzunm\u00fcdd\u0259tli faizsiz v\u0259 ya a\u015fa\u011f\u0131 faizli ipoteka proqramlar\u0131 t\u0259tbiq olunur. Ayl\u0131q \u00f6d\u0259ni\u015fl\u0259r g\u0259lir s\u0259viyy\u0259sin\u0259 uy\u011fun t\u0259nziml\u0259nir v\u0259 kommunal x\u0259rcl\u0259r subsidiyala\u015fd\u0131r\u0131l\u0131r”,<\/em> \u2013 dey\u0259 Ma\u015fall\u0131 misal \u00e7\u0259kir. <\/p>\n\n\n\n

Onun fikrinc\u0259, \u0259g\u0259r Az\u0259rbaycan h\u00f6kum\u0259ti h\u0259qiq\u0259t\u0259n sosial m\u0259nzil siyas\u0259ti h\u0259yata ke\u00e7irm\u0259k ist\u0259yirs\u0259, bu c\u00fcr modell\u0259ri n\u0259z\u0259rd\u0259n ke\u00e7irm\u0259lidir. <\/p>\n\n\n\n

“\u018fks halda, bu layih\u0259l\u0259r sad\u0259c\u0259 ‘sosial’ ad\u0131 alt\u0131nda daha varl\u0131 t\u0259b\u0259q\u0259y\u0259 xidm\u0259t ed\u0259n bir mexanizm\u0259 \u00e7evril\u0259c\u0259kdir”,<\/em> \u2013 dey\u0259 iqtisad\u00e7\u0131 x\u0259b\u0259rdarl\u0131q edir.<\/p>\n\n\n

\n\n
\n\n
\n \n\n\n\n\n\n

\n\tBak\u0131 Metropoliteni s\u0259rni\u015finda\u015f\u0131man\u0131n maya d\u0259y\u0259rini \u015fi\u015firdib. Gedi\u015f haqq\u0131 ucuzla\u015facaqm\u0131?\n<\/h2>\n\n

\n Ekspertl\u0259r hesab edirl\u0259r ki, \u015fi\u015firtm\u0259 n\u0259tic\u0259sind\u0259 m\u0259nims\u0259nilmi\u015f v\u0259saitl\u0259r b\u00fcdc\u0259y\u0259 qaytar\u0131lsa da, metroda qiym\u0259tl\u0259rin a\u015fa\u011f\u0131 sal\u0131naca\u011f\u0131 g\u00f6zl\u0259nil\u0259n deyil\n<\/p>\n <\/a>\n <\/div>\n

\n
\n \n \"Bu\n <\/a>\n<\/figure>\n <\/div>\n <\/div>\n<\/article>\n\n\n\n

satmaq \u00f6hd\u0259liyi il\u0259 kiray\u0259 mexanizmi<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

\u0130qtisad\u00e7\u0131 To\u011frul Ma\u015fall\u0131n\u0131n fikrinc\u0259, 2500-3000 AZN qazanc\u0131 olmayan \u015f\u0259xsl\u0259r \u00fc\u00e7\u00fcn bu m\u0259nzill\u0259ri \u0259ld\u0259 etm\u0259k real deyil. O bildirir ki, bel\u0259 bir g\u0259liri olan insanlar \u00fc\u00e7\u00fcn ipoteka daha \u0259lveri\u015fli variantd\u0131r<\/p>\n","protected":false},"author":60,"featured_media":96453,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,22,4043,25,50,49],"tags":[18,101,96,152,153,157],"formation":[],"post-author":[2888],"topic":[4952],"tooltip":[],"city":[6041],"class_list":["post-96452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-azrbaycan","category-iqtisadiyyat","category-explainer","category-cmiyyt","category-xbrlr","category-srh","tag-azrbaycan","tag-qafqaz","tag-qafqaz-iqtisadiyyati","tag-qafqaz-xbrlri","tag-qafqazda-hyat","tag-xbrlr","post-author-jamnews","topic-azrbaycan","city-baki"],"acf":[],"yoast_head":"\nSatmaq \u00f6hd\u0259liyi il\u0259 kiray\u0259 mexanizmi \/JAMnews<\/title>\n<meta name=\"description\" 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