{"id":11946,"date":"2024-05-16T16:07:34","date_gmt":"2024-05-16T16:07:34","guid":{"rendered":"https:\/\/millitv.net\/?p=11946"},"modified":"2024-05-16T16:08:35","modified_gmt":"2024-05-16T16:08:35","slug":"ipoteka-il%C9%99-faizsiz-ucuz-evl%C9%99r-bakida-banka-girm%C9%99d%C9%99n-s%C9%99rf%C9%99li-s%C9%99rtl%C9%99rl%C9%99-ev-almaq-olar","status":"publish","type":"post","link":"https:\/\/millitv.net\/?p=11946","title":{"rendered":"\u0130poteka il\u0259 faizsiz, ucuz evl\u0259r: Bak\u0131da banka girm\u0259d\u0259n s\u0259rf\u0259li \u015f\u0259rtl\u0259rl\u0259 ev almaq olar"},"content":{"rendered":"\n<p><strong>B\u0259zi \u015firk\u0259tl\u0259r tikilm\u0259kd\u0259 olan m\u0259nzill\u0259ri daxili kreditl\u0259, daha d\u0259qiq des\u0259k, daxili ipoteka il\u0259 sat\u0131\u015fa \u00e7\u0131xar\u0131r. Bel\u0259 sat\u0131\u015f al\u0131c\u0131lar \u00fc\u00e7\u00fcn olduqca s\u0259rf\u0259li hesab olunur, \u00e7\u00fcnki bu zaman m\u0259nzilin d\u0259y\u0259rind\u0259n art\u0131q he\u00e7 bir faiz d\u0259r\u0259c\u0259si \u0259lav\u0259 edilmir.&nbsp;M\u0259s\u0259l\u0259n, Masaz\u0131rda bir \u015firk\u0259t yenic\u0259 tikilm\u0259kd\u0259 olan binada bir, iki v\u0259 \u00fc\u00e7 otaql\u0131 m\u0259nzill\u0259ri 15 faiz ilkin \u00f6d\u0259ni\u015f etm\u0259kl\u0259, 48-60 ay \u0259rzind\u0259 faizsiz sat\u0131\u015fa \u00e7\u0131xar\u0131b. Amma bu hal k\u00fctl\u0259vi deyil, x\u00fcsusil\u0259, m\u0259rk\u0259zd\u0259 in\u015faat i\u015fl\u0259ri aparan \u015firk\u0259tl\u0259r tikdikl\u0259ri m\u0259nzill\u0259ri bank vasit\u0259sil\u0259 satma\u011fa daha \u00e7ox \u00fcst\u00fcnl\u00fck verirl\u0259r.&nbsp;<\/strong><\/p>\n\n\n\n<p>Lakin \u00e7ox az say\u0131da MTK bu c\u00fcr \u015f\u0259rtl\u0259rl\u0259 m\u0259nzill\u0259r t\u0259klif edir. \u018fks\u0259r MTK-lar m\u0259nzill\u0259rini daha \u00e7ox bank vasit\u0259si il\u0259 satma\u011fa \u00fcst\u00fcnl\u00fck verir.&nbsp;<\/p>\n\n\n\n<p><strong>M\u00f6vzu il\u0259 ba\u011fl\u0131 Yenisabah.az-a dan\u0131\u015fan \u0259mlak m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Elnur F\u0259rz\u0259liyev<\/strong>&nbsp;bildirib ki, haz\u0131rda banklar\u0131n illik faiz d\u0259r\u0259c\u0259l\u0259rini n\u0259z\u0259r\u0259 alsaq, daxili kredit olduqca s\u0259rf\u0259lidir:&nbsp;<\/p>\n\n\n\n<p>\u201cMTK-lar\u0131n b\u0259zil\u0259ri q\u0131sam\u00fcdd\u0259tli kreditl\u0259 m\u0259nzill\u0259rin sat\u0131\u015f\u0131n\u0131 h\u0259yata ke\u00e7irir. Bu m\u00fcdd\u0259t daha \u00e7ox 3 v\u0259 5 il&nbsp;\u00e7\u0259kir. \u015eirk\u0259t bu vasit\u0259 il\u0259 m\u0259nzill\u0259rini daha s\u00fcr\u0259tl\u0259 sat\u0131b, n\u00f6vb\u0259ti binalar\u0131n tikintisi \u00fc\u00e7\u00fcn laz\u0131mi v\u0259sait \u0259ld\u0259 etm\u0259k ist\u0259yir. Burada tikinti m\u0259rh\u0259l\u0259li formada getdiyin\u0259 g\u00f6r\u0259, v\u0259t\u0259nda\u015f\u0131n pulu hiss\u0259-hiss\u0259 \u00f6d\u0259m\u0259si s\u0259rf edir. Bu \u0259slind\u0259 kredit deyil, m\u0259nzilin d\u0259y\u0259rinin hiss\u0259-hiss\u0259 \u00f6d\u0259nilm\u0259sidir. Amma bu kredit bank vasit\u0259si il\u0259 olduqda, bankdaxili kreditl\u0259rin illik faiz d\u0259r\u0259c\u0259si 14 faiz\u0259 q\u0259d\u0259r arta bilir. Bu da n\u0259tic\u0259 etibar\u0131 il\u0259, olduqca y\u00fcks\u0259k m\u0259bl\u0259\u011fl\u0259r dem\u0259kdir. Adi ipoteka 7-8, g\u00fcz\u0259\u015ftli ipoteka is\u0259 4 faiz olur\u201d.&nbsp;<\/p>\n\n\n\n<p>Ekspert d\u00fc\u015f\u00fcn\u00fcl\u0259nin \u0259ksin\u0259, daxili kreditin h\u0259m al\u0131c\u0131, h\u0259m d\u0259 \u015firk\u0259t \u00fc\u00e7\u00fcn t\u0259hl\u00fck\u0259siz oldu\u011funu diqq\u0259t\u0259 \u00e7atd\u0131r\u0131b:&nbsp;<\/p>\n\n\n\n<p>\u201cV\u0259t\u0259nda\u015f pulu tam \u00f6d\u0259yib bitirm\u0259y\u0259n\u0259 q\u0259d\u0259r, \u015firk\u0259t ona maliyy\u0259 aray\u0131\u015f\u0131 vermir. Maliyy\u0259 aray\u0131\u015f\u0131 is\u0259 m\u0259nzilin d\u0259y\u0259rinin tam \u00f6d\u0259nilm\u0259si dem\u0259kdir. Bu aray\u0131\u015f verilm\u0259dikd\u0259 v\u0259t\u0259nda\u015f h\u0259min \u0259mlak\u0131 \u00f6z ad\u0131na ke\u00e7irib \u00f6z\u00fcn\u00fcnk\u00fcl\u0259\u015fdir\u0259 bilm\u0259z. \u00c7\u00fcnki ist\u0259nil\u0259n m\u00fcqavil\u0259li m\u0259nzill\u0259r tikilib haz\u0131r olduqdan sonra, onlar\u0131n \u00e7\u0131xar\u0131\u015fla t\u0259min olunmas\u0131 \u00fc\u00e7\u00fcn bir \u00e7ox s\u0259n\u0259dl\u0259r t\u0259l\u0259b olunur ki, onlardan da biri maliyy\u0259 aray\u0131\u015f\u0131d\u0131r. \u018fvv\u0259ll\u0259r \u015firk\u0259tl\u0259rin m\u00fcflis olmas\u0131 il\u0259 \u0259laq\u0259dar, yar\u0131m qalm\u0131\u015f binalar \u00e7ox olurdu. Lakin indi tikintil\u0259rl\u0259 ba\u011fl\u0131 qaydalar tamamil\u0259 d\u0259yi\u015fib. \u0130ndi tikinti \u015firk\u0259tl\u0259rinin \u00f6zl\u0259rinin m\u00fc\u0259yy\u0259n b\u00fcdc\u0259si olmal\u0131 v\u0259 bank hesab hesablar\u0131nda b\u00f6y\u00fck m\u0259bl\u0259\u011fd\u0259 v\u0259sait olmal\u0131d\u0131r\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u0259zi \u015firk\u0259tl\u0259r tikilm\u0259kd\u0259 olan m\u0259nzill\u0259ri daxili kreditl\u0259, daha d\u0259qiq des\u0259k, daxili ipoteka il\u0259 sat\u0131\u015fa \u00e7\u0131xar\u0131r. Bel\u0259 sat\u0131\u015f al\u0131c\u0131lar \u00fc\u00e7\u00fcn olduqca s\u0259rf\u0259li hesab olunur, \u00e7\u00fcnki bu zaman m\u0259nzilin d\u0259y\u0259rind\u0259n art\u0131q he\u00e7 bir faiz d\u0259r\u0259c\u0259si \u0259lav\u0259 edilmir.&nbsp;M\u0259s\u0259l\u0259n, Masaz\u0131rda bir \u015firk\u0259t yenic\u0259 tikilm\u0259kd\u0259 olan binada bir, iki v\u0259 \u00fc\u00e7 otaql\u0131 m\u0259nzill\u0259ri 15 faiz ilkin \u00f6d\u0259ni\u015f etm\u0259kl\u0259, 48-60 ay &hellip;<\/p>\n","protected":false},"author":1,"featured_media":11948,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11946","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-idman"],"_links":{"self":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/11946","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11946"}],"version-history":[{"count":1,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/11946\/revisions"}],"predecessor-version":[{"id":11947,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/posts\/11946\/revisions\/11947"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=\/wp\/v2\/media\/11948"}],"wp:attachment":[{"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11946"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11946"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/millitv.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11946"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}