{"id":15834,"date":"2023-05-19T13:21:56","date_gmt":"2023-05-19T10:21:56","guid":{"rendered":"https:\/\/dogrusoztv.az\/?p=15834"},"modified":"2023-05-19T13:21:58","modified_gmt":"2023-05-19T10:21:58","slug":"sigorta-sirk%c9%99tl%c9%99ri-genismiqyasli-hucuma-hazirlasir","status":"publish","type":"post","link":"https:\/\/dogrusoztv.az\/?p=15834","title":{"rendered":"\u201cS\u0131\u011forta \u015firk\u0259tl\u0259ri geni\u015fmiqyasl\u0131 h\u00fccuma haz\u0131rla\u015f\u0131r\u201d"},"content":{"rendered":"<div class='booster-block booster-read-block'>\n                <div class=\"twp-read-time\">\n                \t<i class=\"booster-icon twp-clock\"><\/i> <span>Oxunma vaxt\u0131:<\/span>2 D\u0259qiq\u0259, 7 Saniy\u0259                <\/div>\n\n            <\/div>\n<p class=\"wp-block-paragraph\">\u201cEvl\u0259rin icbari s\u0131\u011fortalanmas\u0131 m\u0259s\u0259l\u0259si yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259lib. M\u0259tbuatda ged\u0259n m\u0259lumata g\u00f6r\u0259, iyun ay\u0131n\u0131n 1-d\u0259n yeni elektron sistemin i\u015f\u0259 d\u00fc\u015fm\u0259sind\u0259n sonra s\u0131\u011fortas\u0131z evl\u0259r avtomatik c\u0259rim\u0259l\u0259n\u0259c\u0259k. \u018fslind\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n m\u0259cbur\u0259n s\u0131\u011fortalanmas\u0131 t\u0259l\u0259bi qanunvericilikd\u0259 \u00e7oxdan n\u0259z\u0259rd\u0259 tutulub\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu s\u00f6zl\u0259ri iqtisad\u00e7\u0131 Samir \u018fliyev \u201cS\u0131\u011forta \u015firk\u0259tl\u0259ri geni\u015fmiqyasl\u0131 h\u00fccuma haz\u0131rla\u015f\u0131r v\u0259 ya evl\u0259rin icbari s\u0131\u011fortas\u0131 bar\u0259d\u0259\u201d adl\u0131 yaz\u0131s\u0131nda qeyd edib.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O bildirib ki, 2011-ci ild\u0259 q\u0259bul edilmi\u015f &#8220;\u0130cbari s\u0131\u011fortalar haqq\u0131nda&#8221; Qanunun 35.2-ci madd\u0259sin\u0259 g\u00f6r\u0259, h\u00fcquqi v\u0259 fiziki \u015f\u0259xsl\u0259r\u0259 m\u0259xsus tikilil\u0259rin, ya\u015fay\u0131\u015f v\u0259 qeyri-ya\u015fay\u0131\u015f sah\u0259l\u0259rinin, ya\u015fay\u0131\u015f evl\u0259ri v\u0259 binalar\u0131n\u0131n, m\u0259nzill\u0259rin, habel\u0259 d\u00f6vl\u0259t \u0259mlak\u0131n\u0131n s\u0131\u011fortas\u0131 icbaridir: \u201c2015-ci ild\u0259 q\u0259bul edilmi\u015f \u0130nzibati X\u0259talar M\u0259c\u0259ll\u0259sinin 469-cu madd\u0259sind\u0259 qeyd edilir ki, icbari s\u0131\u011forta m\u00fcqavil\u0259sinin ba\u011flanmamas\u0131na g\u00f6r\u0259 fiziki \u015f\u0259xsl\u0259r 30 manat, v\u0259zif\u0259li \u015f\u0259xsl\u0259r 80 manat, h\u00fcquqi \u015f\u0259xsl\u0259r 200 manat c\u0259rim\u0259 edilir. Qanuna 2016-c\u0131 ild\u0259 edilmi\u015f \u0259lav\u0259y\u0259 g\u00f6r\u0259 c\u0259rim\u0259 edilmi\u015f \u015f\u0259xs 20 g\u00fcn \u0259rzind\u0259 icbari s\u0131\u011forta m\u00fcqavil\u0259sini ba\u011flamal\u0131d\u0131r. Ancaq 20 g\u00fcnd\u0259n sonra t\u0259krar\u0259n c\u0259rim\u0259 t\u0259tbiq oluna bil\u0259r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2019-cu ild\u0259 bu m\u0259s\u0259l\u0259 g\u00fcnd\u0259m\u0259 g\u0259l\u0259nd\u0259 c\u0259miyy\u0259tin t\u0259pgisi n\u0259tic\u0259sind\u0259 s\u0131\u011forta \u015firk\u0259tl\u0259ri geri \u00e7\u0259kilm\u0259y\u0259 m\u0259cbur oldu. O d\u00f6vrd\u0259 bununla ba\u011fl\u0131 fikrimi yazm\u0131\u015fd\u0131m, yenid\u0259n xat\u0131rlatma\u011fa l\u00fczum g\u00f6r\u00fcr\u0259m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Qeyd edim ki, ya\u015fay\u0131\u015f evl\u0259rinin icbari s\u0131\u011fortas\u0131 he\u00e7 d\u0259 b\u00fct\u00fcn \u00f6lk\u0259l\u0259rd\u0259 t\u0259tbiq edilmir. \u018fks\u0259r \u00f6lk\u0259l\u0259rd\u0259 \u0259mlak\u0131n s\u0131\u011fortas\u0131 k\u00f6n\u00fcll\u00fcd\u00fcr\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S. \u018fliyev qeyd edib ki, bu add\u0131m v\u0259t\u0259nda\u015flar\u0131m\u0131z\u0131n Konstitusiya h\u00fcququna ziddir: \u201cKonstitutsiyan\u0131n 29.3-c\u00fc madd\u0259sin\u0259 g\u00f6r\u0259, m\u00fclkiyy\u0259t h\u00fcququ m\u00fclkiyy\u0259t\u00e7inin t\u0259kba\u015f\u0131na v\u0259 ya ba\u015fqalar\u0131 il\u0259 birlikd\u0259 \u0259mlaka sahib olmaq, \u0259mlakdan istifad\u0259 etm\u0259k v\u0259 onun bar\u0259sind\u0259 s\u0259r\u0259ncam verm\u0259k h\u00fcquqlar\u0131ndan ibar\u0259tdir. \u0130ndiki halda m\u00fclkiyy\u0259t\u00e7inin \u0259v\u0259zind\u0259n d\u00f6vl\u0259t q\u0259rar ver\u0259r\u0259k onu s\u0131\u011fortaya m\u0259cbur edir. Bunun avtomobill\u0259rin icbari s\u0131\u011fortas\u0131 il\u0259 qar\u0131\u015fd\u0131rmaq d\u00fcz deyil. \u00c7\u00fcnki avtomobill\u0259rin icbari s\u0131\u011fortas\u0131 \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xs qar\u015f\u0131s\u0131nda t\u0259tbiq edilir. M\u0259nzill\u0259rin s\u0131\u011fortas\u0131 is\u0259 m\u00fclkiyy\u0259t\u00e7inin \u00f6z z\u0259r\u0259rini minimuma endirm\u0259k \u00fc\u00e7\u00fcn at\u0131lan add\u0131md\u0131r. Bunun m\u0259cbur edilm\u0259si m\u00fclkiyy\u0259t\u00e7inin se\u00e7im h\u00fcququnu pozmaqd\u0131r\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130qtisad\u00e7\u0131 yaz\u0131r ki, c\u0259rim\u0259 mexanizmi i\u015fl\u0259m\u0259y\u0259c\u0259k: \u201c\u00c7\u00fcnki yerli vergil\u0259rd\u0259 oldu\u011fu kimi c\u0259rim\u0259nin \u0259halid\u0259n al\u0131nmas\u0131 \u00fc\u00e7\u00fcn t\u0259sir r\u0131\u00e7aqlar\u0131 yoxdur. Kommunal xidm\u0259tl\u0259r \u00f6d\u0259nilm\u0259y\u0259nd\u0259 onlar\u0131n verilm\u0259si dayand\u0131r\u0131l\u0131r, d\u00f6vl\u0259t vergisi verilm\u0259y\u0259nd\u0259 sahibkar\u0131n bank hesab\u0131 bloklan\u0131r, avtomobill\u0259r icbari s\u0131\u011fortalanmayanda s\u00fcr\u00fcc\u00fc avtomobili itirm\u0259k riski il\u0259 \u00fczl\u0259\u015fir. B\u0259s ev m\u0259s\u0259l\u0259sind\u0259 nec\u0259 olacaq? Ev m\u00fclkiyy\u0259t\u00e7inin \u0259lind\u0259n al\u0131nacaq? Bu daha \u00e7ox sosial m\u0259s\u0259l\u0259 oldu\u011fu \u00fc\u00e7\u00fcn inanm\u0131ram c\u0259rim\u0259 m\u0259s\u0259l\u0259sind\u0259 \u00e7ox d\u0259rin\u0259 getsinl\u0259r. Ona g\u00f6r\u0259 d\u0259 h\u00f6kum\u0259t ya\u015fay\u0131\u015f evl\u0259rinin icbari s\u0131\u011fortas\u0131 q\u0259rar\u0131n\u0131 l\u0259\u011fv etm\u0259lidir, k\u00f6n\u00fcll\u00fc s\u0131\u011fortalanma mexanizmin\u0259 ke\u00e7m\u0259lidir. S\u0131\u011forta siyas\u0259ti maarifl\u0259ndirm\u0259 \u00fcz\u0259rind\u0259 qurulmal\u0131d\u0131r. \u018fks halda s\u0131\u011forta m\u0259hsullar\u0131n\u0131n icbari xarakter da\u015f\u0131mas\u0131 \u0259hali \u00fc\u00e7\u00fcn \u0259n yax\u015f\u0131 halda i\u015fl\u0259m\u0259y\u0259c\u0259k, \u0259n pis halda is\u0259 sosial g\u0259rginlik yaradacaq\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S. \u018fliyev \u0259lav\u0259 edib ki, el\u0259 \u0259razil\u0259r (evl\u0259r bir-birinin i\u00e7ind\u0259) v\u0259 evl\u0259r (tikinti normalar\u0131na cavab vermir) var ki, s\u0131\u011forta \u015firk\u0259tl\u0259ri \u00fc\u00e7\u00fcn c\u0259lbedici deyil, y\u0259ni he\u00e7 bir \u015firk\u0259t maraql\u0131 olmayacaq onlarla m\u00fcqavil\u0259 imzalas\u0131n: \u201cBu halda qanunvericiliyin icras\u0131 nec\u0259 olacaq?\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cQafqazinfo\u201d<\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_15834\" class=\"pvc_stats total_only  \" data-element-id=\"15834\" style=\"\"><i class=\"pvc-stats-icon small\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.0\" viewBox=\"0 0 502 315\" preserveAspectRatio=\"xMidYMid meet\"><g transform=\"translate(0,332) scale(0.1,-0.1)\" fill=\"\" stroke=\"none\"><path d=\"M2394 3279 l-29 -30 -3 -207 c-2 -182 0 -211 15 -242 39 -76 157 -76 196 0 15 31 17 60 15 243 l-3 209 -33 29 c-26 23 -41 29 -80 29 -41 0 -53 -5 -78 -31z\"\/><path d=\"M3085 3251 c-45 -19 -58 -50 -96 -229 -47 -217 -49 -260 -13 -295 52 -53 146 -42 177 20 16 31 87 366 87 410 0 70 -86 122 -155 94z\"\/><path d=\"M1751 3234 c-13 -9 -29 -31 -37 -50 -12 -29 -10 -49 21 -204 19 -94 39 -189 45 -210 14 -50 54 -80 110 -80 34 0 48 6 76 34 21 21 34 44 34 59 0 14 -18 113 -40 219 -37 178 -43 195 -70 221 -36 32 -101 37 -139 11z\"\/><path d=\"M1163 3073 c-36 -7 -73 -59 -73 -102 0 -56 133 -378 171 -413 34 -32 83 -37 129 -13 70 36 67 87 -16 290 -86 209 -89 214 -129 231 -35 14 -42 15 -82 7z\"\/><path d=\"M3689 3066 c-15 -9 -33 -30 -42 -48 -48 -103 -147 -355 -147 -375 0 -98 131 -148 192 -74 13 15 57 108 97 206 80 196 84 226 37 273 -30 30 -99 39 -137 18z\"\/><path d=\"M583 2784 c-38 -19 -67 -74 -58 -113 9 -42 211 -354 242 -373 16 -10 45 -18 66 -18 51 0 107 52 107 100 0 39 -1 41 -124 234 -80 126 -108 162 -133 173 -41 17 -61 16 -100 -3z\"\/><path d=\"M4250 2784 c-14 -9 -74 -91 -133 -183 -95 -150 -107 -173 -107 -213 0 -55 33 -94 87 -104 67 -13 90 8 211 198 130 202 137 225 78 284 -27 27 -42 34 -72 34 -22 0 -50 -8 -64 -16z\"\/><path d=\"M2275 2693 c-553 -48 -1095 -270 -1585 -649 -135 -104 -459 -423 -483 -476 -23 -49 -22 -139 2 -186 73 -142 361 -457 571 -626 285 -228 642 -407 990 -497 242 -63 336 -73 660 -74 310 0 370 5 595 52 535 111 1045 392 1455 803 122 121 250 273 275 326 19 41 19 137 0 174 -41 79 -309 363 -465 492 -447 370 -946 591 -1479 653 -113 14 -422 18 -536 8z m395 -428 c171 -34 330 -124 456 -258 112 -119 167 -219 211 -378 27 -96 24 -300 -5 -401 -72 -255 -236 -447 -474 -557 -132 -62 -201 -76 -368 -76 -167 0 -236 14 -368 76 -213 98 -373 271 -451 485 -162 444 86 934 547 1084 153 49 292 57 452 25z m909 -232 c222 -123 408 -262 593 -441 76 -74 138 -139 138 -144 0 -16 -233 -242 -330 -319 -155 -123 -309 -223 -461 -299 l-81 -41 32 46 c18 26 49 83 70 128 143 306 141 649 -6 957 -25 52 -61 116 -79 142 l-34 47 45 -20 c26 -10 76 -36 113 -56z m-2057 25 c-40 -58 -105 -190 -130 -263 -110 -324 -59 -707 132 -981 25 -35 42 -64 37 -64 -19 0 -241 119 -326 174 -188 122 -406 314 -532 468 l-58 71 108 103 c185 178 428 349 672 473 66 33 121 60 123 61 2 0 -10 -19 -26 -42z\"\/><path d=\"M2375 1950 c-198 -44 -350 -190 -395 -379 -18 -76 -8 -221 19 -290 114 -284 457 -406 731 -260 98 52 188 154 231 260 27 69 37 214 19 290 -38 163 -166 304 -326 360 -67 23 -215 33 -279 19z\"\/><\/g><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"https:\/\/dogrusoztv.az\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p><div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u201cEvl\u0259rin icbari s\u0131\u011fortalanmas\u0131 m\u0259s\u0259l\u0259si yenid\u0259n g\u00fcnd\u0259m\u0259 g\u0259lib. M\u0259tbuatda ged\u0259n m\u0259lumata g\u00f6r\u0259, iyun ay\u0131n\u0131n 1-d\u0259n yeni elektron sistemin i\u015f\u0259 d\u00fc\u015fm\u0259sind\u0259n sonra s\u0131\u011fortas\u0131z evl\u0259r avtomatik c\u0259rim\u0259l\u0259n\u0259c\u0259k. \u018fslind\u0259 da\u015f\u0131nmaz \u0259mlak\u0131n m\u0259cbur\u0259n s\u0131\u011fortalanmas\u0131 t\u0259l\u0259bi qanunvericilikd\u0259 \u00e7oxdan n\u0259z\u0259rd\u0259 tutulub\u201d. 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