Home / Jamiyat / AZ NAV DIDA BAROMADANI SHARTHOI QARZ

AZ NAV DIDA BAROMADANI SHARTHOI QARZ

Muqararoti umumi:  Agar qarz batakhir meaftad yo khud intizor meravad, ki binobar sababi gayri chashmdosht bad shudani vazi moliyavii qarzgiranda chunin holat rukh medihad, bonk metavonad sharthoi muayyani judokunii qarzro baroi qarzi dakhldor, az nav dida baroyad va in holatro tajdidi karz meguyand.

CHunin az nav dida baromadan tadbiri nihoi mahsub meshavad va tanho dar holathoi istisnoi, hangomi rioya namudani sharthoi Nizomnomai mazkur, barrasi megardad.

SHarthoi qarz metavonand tanho yak marotiba az nav dida baromada shavand.

SHartho

Ba az nav dida baromadani sharthoi qarz tanho on vaqt roh doda meshavad, ki agar talabothoi zerin rioya karda shavand:

a) Qarzgiranda bo tashkilot bo tamomi masuliyat va shaffofkorona dar tuli hamai davrai qarzi va dar tuli qarzhoi peshina hamkori karda boshad. Dar bayni Tashkilot va qarzgiranda munosibathoi qanoatbakhshi qarzi mavjud ast.

b) Qarzgiranda ba tavri ikhtiyori hamai malumothoi talab gardidai moliyavi va miqdori – sifatiro doir ba tijorati khud peshnihod namuda, sababhoi pardokht nashudani qarzro kushoda dodaast va tamomi malumoti zarurii boqimodaro peshinhod kardaast.

v) Qarzgiranda bo tashabbusi khud ba Tashkilot murojiat namuda, ba tavri ikhtiyori, dar davrai ibtidoi, doir ba mushkilothoi pardokhtkuni malumot dodaast.

g) Sababhoi batakhir aftidani pardokhtani qarz voqei meboshand va imkoniyati taftish kardani onho mavjud ast.

d) SHahodati (daleli) on, ki qarzgiranda maqsadi be chunu charoi pardokhtani qarzro dorad, mavjud ast.

e) SHahodati (daleli) on mavjud ast, ki dar surati qabul shudani sharthoi navi qarzdihi, qarzgiranda sari vaqt va purra hamai uhdadorihoi kheshro az rui qarz, muvofiqi shartnomahoi qarzi ijro menamoyad.

Tartibot

Bad az tahlili vaziyat va kushishhoi be natija anjom yoftai bo digar rohho sitonidani qarz, eksperti qarzi metavonad az nav dida baromadani sharthoi qarzro peshnihod namoyad. Boyad peshnihodi mazkur, dar zaminai tahlili purrai tijorat va khojagii manzilii qarzgiranda, muvofiq ba qoidahoi in Nizomnoma,  tartib doda shavad. Qarz chunon tahlil karda meshavad, ki guyo qarzgiranda bori avval baroi giriftani qarz murojiat karda boshad. Az rui natijahoi tahlil, eksperti qarzi doir ba az nav dida baromadani sharthoi qarz taklifho omoda menamoyad.

Boyad qarzgiranda oidi az nav dida baromadani sharthoi qarz, ba tavri khatti murojiat namoyad (zamimai №23)

Peshnihodi eksperti qarzi va arizai qarzgiranda, baroi barrasi va qabuli qaror ba Kumitai qarzi peshkash karda meshavad.(Zamimai №24)

 Kumitai qarzii vohidi amaliyotii Tashkilot, peshnihodi eksperti qarziro oidi dar asosi arizai khattii qarzgiranda az nav dida baromadani sharthoi qarz barrasi namuda, qarori peshaki qabul menamoyad (qarori Kumitai qarziro az rui qarzhoi mushkilsiton tartib medihad – Zamimai № 25) va bo maqsadi barrasii minbadai parvandai qarzii mazkur (qarzi mushkilsiton), ba Mudiriyati qarzi va rushdi mahsulothoi bonki murojiat menamoyad. Sipas, Mudiriyati qarzi va rushdi mahsulothoi bonki peshnihodi vohidi amaliyotii bonk va parvandai qarzi, paydarhamii amalhoro, az dodani qarz shuru karda to in lahza barrasi namuda, khulosa – peshnihodhoi khudro omoda mesozad va in parvandaro baroi muhokima dar jalasai Kumitai qarzii sathi oli yo khud Kumitai kor bo qarzhoi mushkilsiton, ki qarori nihoiro qabul menamoyad («dastgiri karda shavad», «rad karda shavad» yo khud «to muayyan namudani malumothoi zaruri baroi qabul kardani qaror, ba vaqti digar guzaronida shavad»), peshnihod mekunad.

Mudiriyati qarzi va rushdi mahsulothoi bonki, huquk dorad dar holati mavjud budani sabab va dalelhoi shayii vayron shudani tartibot, ba vohidi amaliyotii tashkilot, baroi tagyir dodani sharthoi qarz, mustaqilona javobi radkunanda dihad.

 Eksperti qarzi metavonad ba tavri ilovagi taminoti garav va / yo khud zamonat / zamonati qarzi az nav dida baromada shudaro, talab namoyad.

Az nav dida baromadani sharthoi qarz metavonad dar bar girad:

            a) Tagyir yoftani muhlati pardokhtani qarz va foizhoro az rui on;

            b) Tagyir yoftani meyorhoi foizi;

            v) Tagyir yoftani tarz va / yo tartibi navbati pardokhtkuni;

            g) Dar holai zaruri, digar sharthoi shartnomai qarzi.

Sozishnomai ilovagi, ki dar on sharthoi qarzi az nav dida baromada shuda inikos shudaastu az jonibi Tashkilot va qarzgiranda ba imzo merasad (dar holati zaruri az jonibi notarius tasdiq meshavad), boyad hamroh ba SHartnomai qarzi dukhta shavad (Zamimai № 26).

Naqshai navi pardokhtkuni, ki naqshai pardokhtkunii qabliro ivaz menamoyad, inchunin boyad hamroh ba SHartnomai qarzi dukhta shavad.

Barasmiyat darovardani Sozishnomai ilovagi ba SHartnomai amalkunandai qarzi, muvofiqi talabothoe, ki dar Bobi 10 – i (Barasmiyat darovardani shartnomaho va hujjatho) Nizomnomai mazkur bayon gardidaast, surat megirad. 

Monitoring

Qarzi az nav dida baromadashuda, monitoringi muassir va tashriforii sanjishii munazzamro talab menamoyad.

Qarzi az nav dida baromadashuda, minbad batakhir aftoda hisob karda nameshavad (to on vaqte, ki qarzi mazkur muvofiqi jadvali pardokhthoi jadid az nav ba takhir naaftad). Agar pardokhtkunii qarzi az nav dida baromadashuda bo takhirho surat girad, pas boyad eksperti qarzi va Kumitai qarzi monitoring va majburan sitonidani qarzdorii nisbat ba muqarrari qatitarro, peshbini namoyand.

Qarzi az nav dida baromadashuda, ki beshtar az 30 ruz batakhir meaftad, chun qoida, ba hamon doirai qarzhoe vorid karda meshavad, ki to lahzai az nav dida baromada shudani on, dokhil bud.

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