{"id":1148,"date":"2025-03-05T14:43:32","date_gmt":"2025-03-05T10:43:32","guid":{"rendered":"https:\/\/e-mehkeme.az\/?p=1148"},"modified":"2025-04-18T14:26:16","modified_gmt":"2025-04-18T10:26:16","slug":"ipoteka-ugrunda-mubariz%c9%99","status":"publish","type":"post","link":"https:\/\/e-mehkeme.az\/en\/ipoteka-ugrunda-mubariz%c9%99\/","title":{"rendered":"\u0130poteka U\u011frunda M\u00fcbariz\u0259"},"content":{"rendered":"

Bak\u0131 Apellyasiya M\u0259hk\u0259m\u0259sinin Kommersiya Kollegiyas\u0131n\u0131n 10 sentyabr 2021-ci il tarixli ***** sayl\u0131 q\u0259tnam\u0259sind\u0259n cavabdeh ***** ASC t\u0259r\u0259find\u0259n verilmi\u015f kassasiya \u015fikay\u0259tin\u0259 yaz\u0131l\u0131 icraat qaydas\u0131nda bax\u0131lm\u0131\u015fd\u0131r.<\/p>\n\n\n\n

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I. \u0130\u015e\u0130N HALLARI<\/h2>\n\n\n\n
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  1. Kredit M\u00fcqavil\u0259l\u0259ri v\u0259 \u0130poteka<\/strong>
    ***** ASC (o d\u00f6vrd\u0259 bank olaraq f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n qurum) il\u0259 ***** MMC aras\u0131nda 14.03.2007-ci il, 24.06.2008-ci il v\u0259 03.06.2011-ci il tarixli kredit m\u00fcqavil\u0259l\u0259ri ba\u011flanm\u0131\u015f, bu m\u00fcqavil\u0259l\u0259r \u00fczr\u0259 m\u00fc\u0259yy\u0259n m\u00fcdd\u0259t v\u0259 faiz d\u0259r\u0259c\u0259l\u0259ri il\u0259 iri m\u0259bl\u0259\u011fl\u0259rd\u0259 v\u0259saitl\u0259r ayr\u0131lm\u0131\u015fd\u0131r. Kreditl\u0259rin t\u0259minat\u0131 m\u0259qs\u0259dil\u0259, h\u0259min bankla (ipoteka saxlayan) borcalan ***** MMC v\u0259 ipoteka qoyan ***** MMC aras\u0131nda ayr\u0131ca ipoteka m\u00fcqavil\u0259l\u0259ri imzalanm\u0131\u015fd\u0131r. \u0130poteka predmeti kimi ***** \u00fcnvan\u0131nda yerl\u0259\u015f\u0259n \u0259mlak kompleksi girov edilmi\u015fdir.<\/li>\n\n\n\n
  2. M\u0259hk\u0259m\u0259 Prosesi v\u0259 Q\u0259tnam\u0259l\u0259r<\/strong>
    Bank, kredit \u00fczr\u0259 borcun tutulmas\u0131 v\u0259 ipoteka predmetin\u0259 tutma y\u00f6n\u0259ldilm\u0259si \u00fc\u00e7\u00fcn ***** \u0130nzibati-\u0130qtisadi M\u0259hk\u0259m\u0259sin\u0259 m\u00fcraci\u0259t etmi\u015f, h\u0259min m\u0259hk\u0259m\u0259nin 19.01.2015-ci il tarixli ***** sayl\u0131 q\u0259tnam\u0259si il\u0259 iddia t\u0259min edilmi\u015fdir. Q\u0259tnam\u0259 apellyasiya v\u0259 kassasiya instansiyalar\u0131nda d\u0259yi\u015fdirilm\u0259d\u0259n saxlan\u0131lm\u0131\u015f v\u0259 h\u00fcquqi q\u00fcvv\u0259sini alm\u0131\u015fd\u0131r. Bu q\u0259tnam\u0259 \u0259sas\u0131nda ***** MMC-y\u0259 m\u0259xsus olan, da\u015f\u0131nmaz \u0259mlak reyestrind\u0259 \u00e7\u0131xar\u0131\u015fla t\u0259sdiql\u0259nmi\u015f \u0259mlak kompleksin\u0259 tutma y\u00f6n\u0259ldil\u0259r\u0259k onun h\u0259rracda sat\u0131lmas\u0131 q\u0259t edilmi\u015fdir.<\/li>\n\n\n\n
  3. \u018fmlak\u0131n H\u0259rracdan Ke\u00e7m\u0259si<\/strong>
    \u0130cra v\u0259r\u0259q\u0259si \u0259sas\u0131nda ***** \u015f\u0259h\u0259ri \u00fczr\u0259 \u0130cra \u0130dar\u0259si icraata ba\u015flam\u0131\u015f, daha sonra Az\u0259rbaycan Respublikas\u0131 Prezidentinin ***** tarixli f\u0259rman\u0131n\u0131n icras\u0131 olaraq, bank\u0131n problemli aktivl\u0259ri \u00fczr\u0259 t\u0259l\u0259bl\u0259r ***** QSC-y\u0259 g\u00fcz\u0259\u015ft edilmi\u015fdir. H\u0259rrac t\u0259\u015fkilat\u0131 olan ba\u015fqa bir MMC t\u0259r\u0259find\u0259n ke\u00e7irilmi\u015f h\u0259rrac\u0131n n\u0259tic\u0259sind\u0259 ipoteka predmeti kimi g\u00f6st\u0259ril\u0259n da\u015f\u0131nmaz \u0259mlak kompleksi ***** QSC (bundan sonra \u201cCavabdeh QSC\u201d) t\u0259r\u0259find\u0259n al\u0131n\u0131b m\u00fclkiyy\u0259tin\u0259 ke\u00e7mi\u015f, ard\u0131nca da m\u00fcxt\u0259lif t\u0259hvil-t\u0259slim aktlar\u0131 \u0259sas\u0131nda ***** ASC-y\u0259 verilmi\u015fdir.<\/li>\n\n\n\n
  4. T\u0259hvil-T\u0259slim Aktlar\u0131 v\u0259 M\u00fcbahis\u0259<\/strong>
    ***** MMC-y\u0259 m\u0259xsus olmu\u015f \u0259mlak\u0131n Cavabdeh QSC-y\u0259 t\u0259hvil-t\u0259slimi zaman\u0131 t\u0259rtib edilmi\u015f 24.04.2019-cu il tarixli aktda, da\u015f\u0131nmaz \u0259mlakla b\u0259rab\u0259r, b\u0259zi da\u015f\u0131nar \u0259mlaklar da g\u00f6st\u0259rilmi\u015fdir. Ert\u0259si g\u00fcn \u2013 25.04.2019-cu ild\u0259 h\u0259min \u0259mlaklar\u0131n Cavabdeh QSC-d\u0259n ***** ASC-y\u0259 verilm\u0259si bar\u0259d\u0259 ikinci t\u0259hvil-t\u0259slim akt\u0131 imzalanm\u0131\u015fd\u0131r. Lakin iddia\u00e7\u0131 MMC iddia edir ki, bu siyah\u0131lara \u0259slind\u0259 ipoteka predmetin\u0259 daxil olmayan, onun m\u00fclkiyy\u0259tind\u0259 olan da\u015f\u0131nar \u0259mlaklar da daxil edilmi\u015fdir.<\/li>\n\n\n\n
  5. \u0130ddian\u0131n Predmeti<\/strong>
    \u0130ddia\u00e7\u0131 MMC cavabdehl\u0259r \u2013 ***** QSC v\u0259 ***** ASC-y\u0259 qar\u015f\u0131 m\u0259hk\u0259m\u0259y\u0259 m\u00fcraci\u0259t ed\u0259r\u0259k, inzibati bina, anbar, istehsal sexl\u0259ri v\u0259 \u0259razid\u0259 olan \u00e7oxsayl\u0131 avadanl\u0131q, texnika, ma\u015f\u0131n, mebel v\u0259 s. da\u015f\u0131nar \u0259\u015fyalar\u0131n ona m\u0259xsus olmas\u0131n\u0131, lakin haz\u0131rda cavabdehl\u0259rin qanunsuz sahibliyind\u0259 saxlan\u0131ld\u0131\u011f\u0131n\u0131 bildirmi\u015fdir. \u0130ddia\u00e7\u0131 MMC Az\u0259rbaycan Respublikas\u0131 M\u00fclki M\u0259c\u0259ll\u0259sinin (MM) 157.2-ci madd\u0259sin\u0259 \u0259saslanaraq, \u00f6zg\u0259sinin qanunsuz sahibliyind\u0259n \u00f6z \u0259mlak\u0131n\u0131n (da\u015f\u0131nar \u0259\u015fyalar\u0131n) geri qaytar\u0131lmas\u0131n\u0131 t\u0259l\u0259b etmi\u015fdir.<\/li>\n\n\n\n
  6. Birinci \u0130nstansiya M\u0259hk\u0259m\u0259si<\/strong>
    ***** Kommersiya M\u0259hk\u0259m\u0259sinin 11.02.2021-ci il tarixli q\u0259tnam\u0259si il\u0259 iddia t\u0259l\u0259bi qism\u0259n t\u0259min edil\u0259r\u0259k, yaln\u0131z 3 \u0259d\u0259d 2005-ci ilin istehsal\u0131 olan minik avtomobili v\u0259 1 \u0259d\u0259d y\u00fck avtomobilinin cavabdeh ***** ASC-d\u0259n al\u0131n\u0131b iddia\u00e7\u0131ya qaytar\u0131lmas\u0131, dig\u0259r \u00e7oxsayl\u0131 avadanl\u0131q v\u0259 \u0259\u015fyalar\u0131n is\u0259 ipoteka predmeti kimi d\u0259y\u0259rl\u0259ndirildiyi hesab olunaraq geri qaytar\u0131lmamas\u0131 q\u0259t edilmi\u015fdir.<\/li>\n\n\n\n
  7. Apellyasiya \u0130nstansiyas\u0131 M\u0259hk\u0259m\u0259si<\/strong>
    H\u0259min q\u0259tnam\u0259d\u0259n h\u0259m iddia\u00e7\u0131 MMC, h\u0259m \u00fc\u00e7\u00fcnc\u00fc \u015f\u0259xs qismind\u0259 \u00e7\u0131x\u0131\u015f ed\u0259n ***** MMC, h\u0259m d\u0259 cavabdeh ***** ASC apellyasiya \u015fikay\u0259tl\u0259ri vermi\u015fdir. 10.09.2021-ci il tarixd\u0259 Bak\u0131 Apellyasiya M\u0259hk\u0259m\u0259sinin Kommersiya Kollegiyas\u0131 birinci instansiya m\u0259hk\u0259m\u0259sinin q\u0259tnam\u0259sini l\u0259\u011fv ed\u0259r\u0259k, iddia\u00e7\u0131 MMC-nin m\u00fclkiyy\u0259tind\u0259 oldu\u011funu s\u00fcbuta yetirdiyi avadanl\u0131qlar\u0131n, da\u015f\u0131nar \u0259\u015fyalar\u0131n (\u00fcmumilikd\u0259 uzun siyah\u0131 formas\u0131nda) cavabdeh ***** ASC-d\u0259n al\u0131n\u0131b iddia\u00e7\u0131ya qaytar\u0131lmas\u0131na q\u0259rar vermi\u015f, \u201cCavabdeh QSC\u201dy\u0259 m\u00fcnasib\u0259td\u0259 is\u0259 iddia t\u0259min edilm\u0259mi\u015fdir.<\/li>\n\n\n\n
  8. Kassasiya \u015eikay\u0259ti<\/strong>
    Cavabdeh ***** ASC apellyasiya m\u0259hk\u0259m\u0259sinin q\u0259tnam\u0259sind\u0259n kassasiya \u015fikay\u0259ti ver\u0259r\u0259k, q\u0259rar\u0131n l\u0259\u011fv edilm\u0259sini v\u0259 t\u0259l\u0259bin tamamil\u0259 r\u0259dd olunmas\u0131n\u0131 xahi\u015f etmi\u015fdir.<\/li>\n<\/ol>\n\n\n\n
    \n\n\n\n

    II. \u0130\u015e \u00dcZR\u018f Q\u018fBUL ED\u0130LM\u0130\u015e M\u018fHK\u018fM\u018f AKTLARI<\/h2>\n\n\n\n
      \n
    1. Birinci instansiya m\u0259hk\u0259m\u0259sinin n\u0259tic\u0259si<\/strong>
      Birinci instansiya m\u0259hk\u0259m\u0259si ba\u015fl\u0131ca olaraq ipoteka predmeti olan da\u015f\u0131nmaz \u0259mlak\u0131n t\u0259rkibin\u0259 y\u00fckl\u00fc edilmi\u015f h\u0259r hans\u0131 da\u015f\u0131nar \u0259mlak\u0131n da daxil oldu\u011funu ehtimal etmi\u015f v\u0259 yaln\u0131z n\u0259qliyyat vasit\u0259l\u0259rinin qeyri-ipoteka \u0259mlak\u0131 olmas\u0131n\u0131 \u0259sas g\u00f6t\u00fcr\u0259r\u0259k, h\u0259min ma\u015f\u0131nlar\u0131n geri qaytar\u0131lmas\u0131na q\u0259rar vermi\u015fdir.<\/li>\n\n\n\n
    2. Apellyasiya instansiyas\u0131 m\u0259hk\u0259m\u0259sinin m\u00f6vqeyi<\/strong>
      Apellyasiya instansiyas\u0131 m\u0259hk\u0259m\u0259si q\u0259rar\u0131nda g\u00f6st\u0259rmi\u015fdir ki, 2009-cu il tarixli ipoteka m\u00fcqavil\u0259sind\u0259 ancaq m\u00fc\u0259yy\u0259n tikilil\u0259r, binalar v\u0259 qur\u011fular konkret sadalanm\u0131\u015fd\u0131r. Avadanl\u0131qlar, mebell\u0259r, istehsalat qur\u011fular\u0131 v\u0259 dig\u0259r da\u015f\u0131nar \u0259\u015fyalar h\u0259min girov m\u00fcqavil\u0259sinin m\u00f6vzusu olmam\u0131\u015fd\u0131r. Bel\u0259likl\u0259, bu \u0259\u015fyalar\u0131n ipoteka predmetin\u0259 daxil edildiyini t\u0259sdiql\u0259y\u0259n h\u0259r hans\u0131 s\u0259n\u0259d v\u0259 ya m\u0259hk\u0259m\u0259 q\u0259rar\u0131 i\u015f materiallar\u0131nda yoxdur.
      Bundan \u0259lav\u0259, apellyasiya m\u0259hk\u0259m\u0259si qeyd etmi\u015fdir ki, s\u00f6z\u00fcged\u0259n da\u015f\u0131nar \u0259mlaklar\u0131n \u00e7oxu iddia\u00e7\u0131 MMC t\u0259r\u0259find\u0259n m\u00fcxt\u0259lif \u00f6lk\u0259l\u0259rd\u0259n idxal olunmu\u015f, ya da ba\u015fqa \u015f\u0259xsl\u0259rd\u0259n ayr\u0131ca alq\u0131-satq\u0131 m\u00fcqavil\u0259l\u0259ri il\u0259 \u0259ld\u0259 edilmi\u015fdir. Bu s\u0259b\u0259bd\u0259n h\u0259min \u0259\u015fyalar \u00fcz\u0259rind\u0259 m\u00fclkiyy\u0259t h\u00fcququ, t\u0259qdim olunan s\u0259n\u0259dl\u0259rl\u0259 kifay\u0259t q\u0259d\u0259r \u0259sasland\u0131r\u0131lm\u0131\u015fd\u0131r.
      Q\u0259rara \u0259sas\u0259n, g\u00f6r\u00fcl\u0259n icra t\u0259dbirl\u0259ri yaln\u0131z ipotekaya qoyulmu\u015f da\u015f\u0131nmaz kompleksin \u201cCavabdeh QSC\u201d v\u0259 sonradan \u201cCavabdeh ASC\u201d t\u0259r\u0259find\u0259n q\u0259bul edilm\u0259sin\u0259 y\u00f6n\u0259lmi\u015fdir. T\u0259l\u0259bin borclunun dig\u0259r \u0259mlak\u0131na, o c\u00fcml\u0259d\u0259n bu avadanl\u0131qlara y\u00f6n\u0259ldilm\u0259sin\u0259 dair h\u0259r hans\u0131 icra m\u0259muru q\u0259rar\u0131 olmay\u0131b. \u0130ddia\u00e7\u0131 MMC m\u0259hz bu \u0259saslarla m\u00fclkiyy\u0259t h\u00fcququnun qorunmas\u0131 \u00fc\u00e7\u00fcn MM-in 157.2-ci madd\u0259sin\u0259 uy\u011fun \u00f6zg\u0259nin qanunsuz sahibliyind\u0259n \u0259mlak\u0131n geri qaytar\u0131lmas\u0131n\u0131 t\u0259l\u0259b etm\u0259y\u0259 tam \u0259sasl\u0131 \u015f\u0259kild\u0259 m\u00fcraci\u0259t etmi\u015fdir.<\/li>\n\n\n\n
    3. Kassasiya \u015eikay\u0259tinin N\u0259tic\u0259si<\/strong>
      ***** ASC-nin kassasiya \u015fikay\u0259ti Ali M\u0259hk\u0259m\u0259nin Kommersiya Kollegiyas\u0131 t\u0259r\u0259find\u0259n ara\u015fd\u0131r\u0131lm\u0131\u015f, m\u0259hk\u0259m\u0259 apellyasiya instansiyas\u0131n\u0131n g\u0259ldiyi n\u0259tic\u0259l\u0259ri qanuni v\u0259 \u0259sasl\u0131 sayaraq \u015fikay\u0259ti t\u0259min etm\u0259mi\u015f, 10.09.2021-ci il tarixli q\u0259tnam\u0259ni d\u0259yi\u015fdirilm\u0259d\u0259n saxlam\u0131\u015fd\u0131r.<\/li>\n<\/ol>\n\n\n\n
      \n\n\n\n

      III. AL\u0130 M\u018fHK\u018fM\u018fN\u0130N H\u00dcQUQ\u0130 M\u00d6VQEY\u0130<\/h2>\n\n\n\n
        \n
      1. M\u00fclkiyy\u0259t H\u00fcququnun M\u00fcdafi\u0259si v\u0259 \u0130poteka M\u00fcqavil\u0259sinin H\u00fcdudlar\u0131<\/strong>
        Ali M\u0259hk\u0259m\u0259 qeyd etmi\u015fdir ki, \u201cDa\u015f\u0131nmaz \u0259mlak\u0131n d\u00f6vl\u0259t reyestri haqq\u0131nda\u201d Qanunun m\u00fcvafiq madd\u0259l\u0259rin\u0259 g\u00f6r\u0259, \u0259g\u0259r girov olaraq qoyulan kompleksin i\u00e7\u0259risind\u0259 konkret da\u015f\u0131nar avadanl\u0131qlar da ipoteka predmeti kimi daxil edilirs\u0259, bu hal m\u00fctl\u0259q ipoteka m\u00fcqavil\u0259sind\u0259 v\u0259 reyestr qeydiyyat\u0131nda \u0259trafl\u0131 g\u00f6st\u0259rilm\u0259lidir. Haz\u0131rk\u0131 i\u015fd\u0259 is\u0259 bel\u0259 bir qeyd v\u0259 ya m\u00fcqavil\u0259 m\u00f6vcud olmad\u0131\u011f\u0131ndan, da\u015f\u0131nar \u0259mlaklar\u0131n da \u201cavtomatik\u201d ipoteka predmeti hesab edilm\u0259si qanunsuzdur.<\/li>\n\n\n\n
      2. \u0130cra Prosesinin \u00c7\u0259r\u00e7iv\u0259si<\/strong>
        \u0130poteka predmeti say\u0131lan da\u015f\u0131nmaz \u0259mlak\u0131n h\u0259rracdan sonra t\u0259l\u0259bkar\u0131n m\u00fclkiyy\u0259tin\u0259 ke\u00e7m\u0259si borcun qalan hiss\u0259sini avtomatik olaraq h\u0259r hans\u0131 dig\u0259r \u0259mlaka da \u015famil etmir. Bunun \u00fc\u00e7\u00fcn qanunda n\u0259z\u0259rd\u0259 tutulan ayr\u0131ca prosedur v\u0259 ya m\u0259hk\u0259m\u0259 q\u0259rar\u0131 t\u0259l\u0259b olunur. Bu i\u015fd\u0259 h\u0259min add\u0131mlar at\u0131lmam\u0131\u015fd\u0131r.<\/li>\n\n\n\n
      3. N\u0259tic\u0259<\/strong>
        Bel\u0259likl\u0259, Ali M\u0259hk\u0259m\u0259 apellyasiya m\u0259hk\u0259m\u0259sinin q\u0259rar\u0131n\u0131 q\u00fcvv\u0259d\u0259 saxlayaraq, h\u0259min ipoteka predmetin\u0259 daxil edilm\u0259mi\u015f da\u015f\u0131nar \u0259mlaklar\u0131n iddia\u00e7\u0131 MMC-y\u0259 qaytar\u0131lmal\u0131 oldu\u011fu q\u0259na\u0259tin\u0259 g\u0259lmi\u015fdir.<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"

        Bak\u0131 Apellyasiya M\u0259hk\u0259m\u0259sinin Kommersiya Kollegiyas\u0131n\u0131n 10 sentyabr 2021-ci il tarixli ***** sayl\u0131 q\u0259tnam\u0259sind\u0259n cavabdeh ***** ASC t\u0259r\u0259find\u0259n verilmi\u015f kassasiya \u015fikay\u0259tin\u0259 yaz\u0131l\u0131 icraat qaydas\u0131nda bax\u0131lm\u0131\u015fd\u0131r. I. \u0130\u015e\u0130N HALLARI II. \u0130\u015e \u00dcZR\u018f Q\u018fBUL ED\u0130LM\u0130\u015e M\u018fHK\u018fM\u018f AKTLARI III. 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