Kenestik dәuir júrtty «kommunizm» miyfimen aldausyratyn. Tәuelsizdik alghannan keyin onyng orynyn «Damyghan 50 elding qataryna qosylu» miyfi almastyrdy. Osy mifting bir tarmaghynday bolghan  óz jerinde baspanagha zar bolyp bolyp, kim kóringenning bosaghasyn saghalap jýrgen baspanasyz qazaqqa demeu bolghan «7-20-25» ipotekasy ekeni dau tudyrmaydy. QR Últtyq bankisining tóraghasy Daniyar Aqyshev  «7-20-25» ipoteka baghdarlamasy boyynsha nesiyelendirude mynnan asa otandasymyzdyng talaby keri qaytarylghanyn algha tartty.

Lauazymdy túlgha 17 qantardaghy jaghday boyynsha kelip týsken 5 587 ótinimining 52 mlrd tenge kólemindegi 4350-i qanaghattandyrylyp, osynyng 17% qúraytyn 1 237 ótinish keri qaytarylghanyn mәlim etti. Onyng sebebi nashar nesie tarihy men tabys kózining jetimsizdiginen bolyp otyr eken.

Eske sala keteyik baghdarlamanyng bas operatory «Ipotekalyq úiym «Baspana» AQ» bolyp sanalady. Qaryzgha ýy alushygha qoyylar talap jeke ýiining jәne ózge de ipotekalyq zayymdarynyng bolmauy, kәsipkerlik jәne enbek qyzmeti arqyly túraqty tabysy bar ekenin dәleldey alu bolyp tabylady. Ári osy 25 jylgha deyin beriletin 7% mólsherindegi nesiyeni alu ýshin pәter qúnynyng 20% aldyn ala tóleu sharty oryndalu kerek.

Biraq ómir kórsetip otyrghanday osynyng barlyq shartyn oryndaugha 17 qantardaghy jaghday boyynsha 18 million otandasymyz ýshin 4350-ining ghana mýmkindigi bolyp otyr. Al, búl shartty orynday almaytyn baspanasyzdar tobyna Ýkimet tarapynan jana әleumettik baghdarlama jasau kerek. Olay etpesek, qapiyada kóz júmghan 5 sәbiyding jaghdayy taghy da qaytalanady. Sebebi jaz ailarynda elimizding Shyghysy men Soltýstiginde pәter jaldap túru arzandap, qys kózi qyrauda jaldau baghasy sharyqtap ketedi.

Ýidi qolma-qol aqshasyn sanap berip satyp alushylar siyrek. Al, ipotekagha ýy aludyng da auy men bauy jetip artylady. Ony alugha kerek deseniz túraqty júmysy joq, nәpaqa ýshin qalany saghalaghan qalyng kópshilik esh tәuekel etpeydi.

Baspanamen qamtamasyz etuding taghy bir joly jeke qúrylys kompaniyalaryna birte-birte satylatyn jaldamaly pәter salugha jaghday jasau. Ayaghynan qaz túrghan qúrylys materialdaryn óndirushi jәne túrghyn ýy salatyn jeke kompaniyalar arasynda aliyans qúrylyp, otandyq júmys kýshi men qúrylys materialdary negizinde eki qabattyq jaldamaly pәterler salugha jenildikter berilse, ony jalgha alyp, birte-birte jekemenshigine alam deushilerding tizimi iri qalalardaghy pәter kezeginde túrghandardyng negizinde jasalsa, ay sayyn tóleytin pәter aqy qúny 25-30 mynnan aspasa, sәbiylerding ómirin qiyatyn oqighalar oryn almas edi.

Baspanasyz  qazaq ýshin ipotekadan ózge jol – birte-birte satyp alugha bolatyn otandyq ónimder negizinde túrghyzylghan jaldamaly pәter. Búlay etuge ekonomikalyq mýmkindigimizde bar. KSRO kezinde QazKSR-ining «Qúrylys industriyasynyng otany» sanalatyn ShQO Semey qalasyndaghy búrynghy qúrylys materialdaryn óndiretin óndiris oryndaryn múragha alghan jeke kompaniyalar ayaghynan qaz túryp ýlgerdi. Endi tek sanaly da, josparly baghyttalghan ýkimettik is-sharany qajet etip otyr.

Baspanasyz  qazaq ýshin ipotekadan ózge jol – birte-birte satyp alugha bolatyn jaldamaly pәter. Búlay etsek, pәter salyp berem dep, jarnamasyn jarqyratyp, eldi aldap soghatyn býgin bar da, erteng joq bir kýndik qúrylys firmalarynan da qútylamyz. Ári tendermen ýy salghyshtardyng da jemqorlyq kәzzaptyghynan arylamyz.

Qazaq atamyz «shymshyq soysa da, qasapshy soysyn» dep tegin aitpaghan, qara halyq ýshin baspana túrghyzudy kim kóringenge emes, ózi óndirip, ózi salatyn qúrylys kompaniyalarynyng qolyna bergen ondy.

Ábil-Serik Álikaparúly

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