Taminoti garavii manqul dar se holat sitonida meshavad:       a) Agar qarzgiranda bo tartibu intizomi khud nishon medihad, ki u niyat nadorad bo bonk hamkori namoyad;     b) Agar dar rafti monitoringi tijorat va khojagii manzilii qarzgiranda, eksperti qarzi bovari hosil menamoyad, ki batakhiraftii qarzi mazkur khatarnok …

Pardokht namudani mablagi asosii qarz az surathisobi dar bonk doshtai shakhsi qarzgir, bo usul va dar asosi hujjathoi zerin surat megirad: a) az surathisobhoi shakhsi qarzgir (hisobhoi pasandozi, hisobhoi pasandozii darkhostshavanda, hisobhoi pasandozii muhlatnok) az muzdi mehnati dar asosi suporishnomai khatti ba hisob guzaronida shuda, agar dar shartnomai qarzi chunin …

 Muqararroti umumi: SHartnomai qarzi hamchun hujjati asosii qarzi, boyad dar ravandi barasmiyat darovardani hujjatho az jonibi eksperti qarzii masul yo kormande, ki ba omoda kardani hujjatho mashgul ast, bad az qabul shudani qaror doir ba dodani qarz, tayyor karda shavad. Boyad on shakli shartnomai qarzi va hujjatho istifoda shavand, ki az …

Muqararoti umumi Qarzhoro metavon ba tavri naqdi va gayri naqdi peshnihod kard.  Ravandi  peshnihodi qarz Peshnihodi  qarz ba tavri naqdi Vositahoi qarzi az surathisobi qarzii qarzgiranda debet kunonida shuda ba hisobi pasandozi darkhostshavandai qarzgiranda kredit kunonida meshavand. Bad az hisobi pasandozi darkhostshavandai qarzgiranda tariqi khazina ba tavri naqdi doda meshavad. …

SHartnomai generalii qarzi tanho bo qarzgirandagoni takrorii tarikhi khubi qarzi doshta barasmiyat darovarda meshavad (Zamimai №16). Maqsad az barasmiyat darovardani shartnomai generalii khatti qarzi dar on meboshad, ki bonk tavonad qarzgirandaro dar davrai to 3 sol ba mahsulothoi qarzii khud vobasta namoyad va holati hardafinai barasmiyatdarorii amvoli garavro tariqi idorai …

Qarzgiranda metavonad, bo khohishi khud, doir ba qarori qabul namudai Tashkilot peromuni darkhosti qarziash, ba tavri khatti malumot girad. Ba gayr az in, boyad eksperti qarzi favran va ba tavri shifohi, pas az jalasai Kumitai qarzi, qarzgirandaro khabardor namoyad. Dar in holat, eksperti qarzi boyad bovari hosil namoyad, ki qarzgiranda …

 Siyosat va tartiboti taminot bo garav Dar nihoyati kor khavfi qarzi hamesha az qobiliyati qarzpardozi doshtani qarzgiranda vobastagi dorad. Qobiliyati qarzpardozi doshtan az jonibi eksperti qarzi ba tavri daqiq hangomi tahlili qarzi arzyobi megardad. Garav naboyad az qobiliyati qarzpardozi doshtani qarzgiranda bolotar guzoshta shavad. Dar doirai Nizomnomai mazkur, khavfi qarzi …

Muqarraroti umumi Qarzgiranda metavonad baroi giriftani qarz ba filial, dar vaqti kori/hangomi soati qabuli qarzgirandagon, yo khud dar vaqti faoliyati marketingi yo dar rafti muloqothoi shakhsi ba ekspertoni qarzi murojiat namoyad. Darkhostdihandagoni bevosita ba vohidi amaliyotii Tashkilot murojiat namuda, ba bakhshi qarzi firistoda meshavand, ki dar on jo bo onho …

Qarzhoi miyonahajm (az 20 001 to 50 000 dollari IMA yo mubodilai on bo digar asor) metavonad az jonibi eksperti qarzie doda shavad, ki dar sohai qarzdihii khurdtarin va khurd tajribai korii beshtar az duvozdah moha doshta, sohibi donishu malakai lozimi boshad, ba sharte, ki agar dar tuli duvozdah mohi avvali …

Marketingi mustaqim, in manoi onro dorad, ki eksperti qarzi robitai bevosita bayni  qarzgirandagoni potensiali va ekspertoni qarzi dar mintaqai sokhtori bonki doshta boshand. CHunin robitaro metavon dar holathoi zerin barqaror namud: a) Hangomi tashrif ovardan ba tashkilotho va korkhonahoi alohida,  dar mahalli tijorat, masalan, dar bozorho va markazhoi tijorati; b) …