BARASMIYAT DAROVARDANI SHARTNOMAHOI QARZI VA HUJJATHO

 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 jonibi Bonk tasdiq shudaand.

Eksperti qarzii masul yo kormande, ki ba omoda kardani qarzho mashgul ast,  boyad itminon hosil namoyad, ki qarzgiranda ba imzo guzoshtani shartnomai qarzi va hujjatho omoda ast. In masala sharthoi zerinro dar bar megirad:

a) Qarzgiranda bo sharthoi dodani qarz, ki az jonibi Kumitai qarzi tasdiq shudaand, rozi ast;

b) SHinosnomai qarzgiranda mavjud ast va ba holati sanai darkhosti qarzi va imzo namudani shartnoma, etibor dorad;

v) Hamai hujjathoi zarurii tijorati qarzgiranda mavjud meboshand va ba holati sanai darkhosti qarzi va imzo namudani shartnoma etibor dorand;

g) SHinosnomahoi hamai shakhsoni seyum az rui shartnomaho mavjud meboshand va ba holati sanai darkhosti qarzi va imzo namudani shartnoma etibor dorand (garavdeh, kafolatdeh, shohidon);

d) SHinosnomahoi shohidon (shavhar / zan) mavjud meboshand va ba sanai darkhosti qarzi va imzo namudani shartnoma etibor dorand;

e) SHakli darkhost purra va khono pur karda shuda, sana va imzo guzoshta shudaast;

j) Paynavishti Kumitai qarzi purra va khono pur karda shuda, sana va imzo guzoshta shudaast;

z) SHarthoe, ki az jonibi Kumitai qarzi peshnihod shudaandu bo dodani qarz aloqamandi dorand va dar Paynavishti Kumitai qarzi inikos yoftaand, purra ijro shudaand va ijroishi onho ba tavri zaruri hujjatguzori shudaast;

i) Hamai hujjathoi zaruri baroi barasmiyat darovardani taminoti garav mavjud meboshand va ba holati sanai darkhosti qarzi va imzoguzorii shartnomaho, inchunin dar muhlati amali qarz etibor dorand.

Omoda namudan va bastani shartnomahoi qarzi va digar hujjatho

Az lahzai az jonibi Kumitai qarzi dastgiri yoftani darkhosti qarzi, eksperti qarzi yo kormandi masul oid ba omoda namunai qarz, boyad shartnomai qarzi, shartnomai garav, shartnomai zamonati, uhdadorii muhlatnok (zamimai №15) va digar hujjathoi zaruriro baroi barasmiyat darovardani qarz tayyor kunad. Eksperti qarzi boyad shartnomahoi qarzi va hujjathoro daqiq omoda namuda, dar onho malumothoi zaruriro aniq va khono inikos namoyad.

Malumothoi zarurro metavon ba kompyuter vorid namud yo khud dar holati zaruri dasti navisht. Nizomnoma va / yo khud malumothoe, ki ba shartnomahoi qarzi vorid karda meshavand, naboyad bo rohi khat zadan va / yo isloh namudan tagyir doda shavand. Dar junin holatho zarur ast, ki shartnoma az nav tayyor karda shavad, shartnomai «galat» omoda shuda, nest karda shavad. SHartnomahoi qarzi va / yo hujjathoi islohshuda, khatzadashuda be etibor donista meshavand.

Muvofiqi talabothoi Tashkilot, shartnoma boyad az jonibi shakhsoni zerin imzo guzoshta shavad:

a) Raisi Bonk/Sardori filial, vohidi amaliyotii Tashkilot yo khud shakhsi ivazkunandai u;

b) Agar zarurati imzoi duyum paydo shavad, on metavonad az jonibi sarmuhosibi Tashkilot yo rohbari bakhshi qarzii vohidi amaliyotii dakhldor guzoshta shavad;

v) Az jonibi qarzgir, garavdeh yo zomini dakhldor imzo guzoshta meshavad. Ashkhosi mazkur inchunin bo ishora ba tasdiq namudani on, ki bo hamai bandhoi shartnoma shinos shudaand, boyad dar har yak sahifahoi in shartnomaho, ba khotiri dar oyanda roh nadodan ba bahs va ikhtilofi nazar miyoni jonibho, imzo guzorand.

g) Eksperti qarzi (ba sifati ijrokunanda), inchunin dar har yak sahifai  shartnomaho imzo meguzorad.

SHartnomahoi garav va shartnomai zamonati (imkon dorad maktubi kafolati) boyad ba sharthoi shartnomai qarzi muvofiqat kunand.

Tanho bad az ijro gardidani hamai sharthoi ba dodani qarz, taminot bo garav va digar shartho vobasta buda, shartnoma quvvai qonuni megirad.

Boyad har yak shartnoma az jonibi qarzgir / garavdeh / zominon / shohidon / digar shakhsoni lozimi va Tashkilot, dar dokhili binoi tashkilot, dar huzuri eksperti qarzii masul ba imzo rasand.

Eksperti qarzi boyad shakhsiyati nafari ba shartnoma / hujjat imzo guzoshtaro tavassuti muqoisa namudani malumothoi mavjud buda doir ba in shakhs bo malumothoi dar shinosnomai u darj gardida, muayyan namoyad. U boyad nazorat kunad, ki oyo imzo va digar mushakhkhasoti dar shinosnoma buda, bo imzo va digar mushakhkhasoti shakhsi ba shartnomai qarzi imzo guzoshta muvofiqat mekunad yo ne.

Agar imzo yo khud digar mushakhkhasot muvofiqat nakunand, pas eksperti qarzi boyad jarayoni barasmiyat darovardani qarzro nigoh dorad va oidi in masala rohbari bakhshi bonkdorii korporativi va / yo Sardori vohidi amaliyotii tashkilotro voqif sozad. Tanho bad az malum namudani hamai sababhoi ba vuqu payvastani vaziyati mazkur va itminoni purra hosil namudani Bonk (dar chunin holat Sardor va / yo rohbari bakhshi bonkdorii korporativi) nisbat ba  muayyan kardani shakhsiyati nafari ba shartnoma imzo guzoshta,jarayoni barasmiyat darovardani qarz az nav faol megardad.

 Dar holate, ki sohibi shinosnoma bad az giriftani shinosnoma imzoyashro tagyir doda boshad, boyad sohibi shinosnoma dar huzuri eksperti qarzi va rohbari bakhshi bonkdorii korporativi dar nuskhai shinosnomai khud imzoyashro guzorad. Rohbari bakhshi qarzi uhdador ast, bo imzoi khud onro tasdiq namoyad va tarikhi ruzro guzorad. Dar holate, ki rohbari bakhshi qarzi hozir naboshad, imzoi mazkuri qarzgirandaro Rohbari vohidi amaliyoti yo khud shakhsi uro ivazkunanda tasdiq menamoyad.