DARHOSTI 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 eksperti qarzie, ki baroi mahalli faoliyatash masul ast, kor mebarad.

Hamai darkhostho baroi giriftani qarzho, novobasta az on, ki az rui darkhost chiguna qaror qabul karda shudaast, boyad dar daftari bahisobgiri ba qayd girifta shavand (dar shakli qogazi va yo elektroni).

Dar navbati avval darkhosti on qarzgirandagone barrasi meshavand, ki roziyand ba daftari (byuro) tarikhi qarzho malumothoi onho doir ba tarikhi qarz peshnihod karda shavad.

 Guzaronidani suhbat hangomi peshnihod namudani darkhost

 Bad az marketing, qadami navbati baroi intikhobi darkhostdihandagoni potensiali qobiliyati qarzpardozi doshta va ikhtisor namudani darkhostdihandagoni qobiliyati qarzpardozi nadoshta, hangomi suhbat (skrining) meboshad.

Hangomi guzaronidani suhbati ru ba rui (skrining) nakhustin bo darkhostdihanda, eksperti qarzi boyad etimod hosil kunad, ki:

      a) khohishi giriftani qarz jiddi ast;

     b) oyo qarzgiranda ba hamai talabothoi namudi qarzhoi peshnihodshavanda va sharthoi qarzdihi (dar Bobi 3 – i Nizomnomai mazkur darj gardida) javobgu meboshad;

     v) qarzi darkhostshavanda ba hamai talabothoi namudi qarzhoi peshnihodshavanda va sharthoi qarzdihi (dar Bobi 3 – i Nizomnomai mazkur darj gardida) javobgu meboshad;

  g) qarzgiranda hujjathoi zaruri dorad (shinosnoma, malumotnoma oidi muzdi mehnat, patent/shahodatnoma, RMA va gayra);

            d) darkhostdihanda va sohibi shinosnoma ba aksi dar on buda mutobiqat mekunad;

            e) shinosnoma va digar hujjatho haqiqiand;

            j) maqsadi qarz va tijorati qarzgiranda muvofiqat mekunand;

Hangomi rioya nashudani yake az talabotho, eksperti qarzi boyad huquqi istisnoii khudro istifoda namuda, qadamhoi minbadaro baroi pur kardani darkhost amali nasozad va ba darkhostdihanda maslihat dihad, ki az fikri giriftani qarz dast kashad. Agar darkhostdihanda bo andeshahoi eksperti qarzi rozi naboshad, pas u metavonad ba Rohbari bakhshi qarzi yo Sardori vohidi amaliyoti, ki dar yakjoyagi bo eksperti qarzi dar borai idoma dodani purkunii darkhost qarori nihoiro qabul menamoyand, murojiat kunad.

5.2.4. Hangomi rioya shudani hamai talabothoi avvalin, eksperti qarzi boyad ba qarzgiranda fahmonad:

            a) SHarthoi qarz inchunin meyori foizi, hajmi mablagi maksimali va muhlati maksimali;

            b)  Prinsip va tartiboti Tashkilotro, doir ba peshnihod va monitoringi qarzho;

            v)  Diqqati tashkilot ba masalai pardokhti sarivaqti va purrai qarzho;

            g)  Usuli darajabandi;

            d) Zarurati peshnihod namudani hamai malumothoi moliyavi va digar ittilootho;

            e) Ahamiyati rostqavli, shafofiyat va rioya namudani hamai uhdadorihoi shartnomavi baroi nigoh doshtani munosibathoi minbadai qarzii qarzgiranda va bonk;

            j) Huquqi Kumitai qarzi doir ba tasdiq namudani qarz bo sharthoi nisbatan digar nisbat ba on, ki darkhostdihanda murojiat namuda bud yo khud rad namudani dodani qarz;

            i) Eksperti qarzi boyad bovari hosil kunad, ki oyo qarzgiranda ba talabothoi digari huquqii bonk javobgu hast yo  ne.

Darkhosti qarzi va kor az rui on

• Agar qarzgiranda ba hamai talabotho javobgu boshad va dar surati rioya kardani hamai qadamhoi dar bolo zikrshuda, eksperti qarzi ba qarzgiranda namudi dakhldori darkhosti qarziro medihad (Zamimai №1 baroi shakhsoni voqei, 2(a) baroi sohibkoroni infirodi va Zamimai №2(b) baroi shakhsoni huquqi).
• Eksperti qarzi boyad qarzgirandaro bo darkhosti qarzi shinos namoyad va baroi pur kardani on kumak kunad. Qarzgiranda boyad ba namunai purkardashudai darkhosti qarzi nuskhai shinosnomaro hamroh namoyad. Eksperti qarzi boyad to okhir pur karda shudani darkhost bovari hosil namoyad.
• Barobari ba dast giriftani darkhosti to ba okhir pur karda shuda va imzo guzoshtashuda bo nuskhai shinosnomai asli, eksperti qarzi boyad:

a) parvandai qarzii qarzgirandaro omoda kunad va kushoyad;

b) darkhosti qarziro bo zamimaho dukhta monad;

v) bo kumaki hamkoronash az digar bonkho va filialho, bo istifoda az «ruykhati siyoh», ruykhat oidi taboduli malumotho doir ba qarzdoroni jori va malumothoe, ki dar Nizomi Barnomavii Tashkilot (minbad NBT) yo dar Byuroi qarzi mavjud meboshand, bovari hosil namoyad, ki oyo qarzgiranda ayni zamon qarz giriftaast yo qablan qarz girifta bud va in tarikhi qarziro omuzad;

g) malumothoi doir ba qarzgiranda jamovari namudaro ba NAB vorid namoyad.

• Muhlati nihoii barrasi namudani darkhostho (bad az purra namudani bastai hujjathoi az tarafi qarzgiranda peshnihodshuda) tibqi zamimai №1 bo tartibi zayl surat megirad:

• to 5000 dollari IMA – 3 ruz;
• az 5 001 to 20 000 dollari IMA – 6 ruz;
• az 20 001 to 50 000 dollari IMA – 9 ruz;
• az 50 001 to 100 000 dollari IMA – 12 ruz;
  • Dar bastai hujjathoi qarzii qarzgiranda hamai vokhuriho va suhbatho, guftuguhoi telefoni bo qarzgir, natijahoi guftushunidho va khulosahoi barovardashuda az rui sanjishho qayd gashta, tamomi mukotibote, ki bo qarzi mazkur aloqamandi dorad, dukhta meshavand.