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Habardor namudani qarzgiranda

Qarzgiranda metavonad, bo khohishi khud, doir ba qarori qabul namudai Tashkilot peromuni darkhosti qarziash, ba tavri khatti malumot girad.

Habardor namudani qarzgirandaBa 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 dark namuda istodaast va hamai sharthoi peshnihod namudani qarzro, ki dar Paynavishti Kumitai qarzi inikos shudaand, qabul mekunad. Dar rafti in guftushunidho bo qarzgiranda, boyad eksperti qarzi ba shiddatnok guzashtani onho roh nadihad va obruyu etibori balandi Bonk, kormandoni on va maqomotero, ki doir ba darkhosti qarzii mazkur qaror qabul menamoyad, dastgiri kunad.

Dar barobari in, ba eksperti qarzi qatiyan man ast, ki doir ba mushakhkhasoti jarayoni muhokima, oidi qarori qabul namudai Kumitai qarzi doir ba darkhosti qarzi, ba qarzgiranda dilkhoh malumotro dihad, inchunin dodani malumot peromuni hayat va azoyoni Kumitai qarzi man karda meshavad.

Muvofiqi qarori Kumitai qarzi, ba eksperti qarzi zarur ast, ki chunin tadbirhoi zerinro andeshad:

a)  Dar holati az jonibi Kumitai qarzi qabul shudani qaror doir ba doda shudani qarz va az jonibi qarzgiranda qabul gardidani sharthoi doda shudani qarz, ba eksperti qarzi zarur ast, ki baroi barasmiyat darovardani qarz, omoda sokhtani hujjathoi qarzi, ba qayd giriftani taminoti qarz bo garav va tayyor namudani hujjatguzorihoi dakhldor baroi dodani qarz, hamai tadbirhoi zaruriro andeshad.

b)  Dar holati javobi rad giriftan, boyad eksperti qarzi ba qarzgiranda hamai hujjathoi asliero, ki az u dar rafti tahlili hujjatho giriftaast (hujjathoe, ki ba qarzgiranda taalluq dorand), bargardonad. Agar maktubi rasmii ogohikunanda doir ba rad shudani peshnihodi qarz doda shavad, pas boyad hujjathoi aslii qarzgiranda ba in maktub zamima karda shavand.

v)  Ba qarzgiranda dodani shaklhoi darkhosti qarzi, tahlili tijorat va khojagii manzilii qarzgiranda va digar hujjatguzorii dokhilii Bonk va yo nuskhai onho, qatiyan man ast.

g)  Dar holati az jonibi Kumitai qarzi ba vaqti digar guzaronida shudani qabuli qaror, boyad eksperti qarzi ba Kumitai qarzi malumoti darkhostshavandaro to jalasai navbati, vale na dertar az 5 ruzi kori, peshnihod namoyad. Baroi ba dast ovardani akhborot va malumothoi zaruri, ba eksperti qarzi zarur ast, ki tashriforii lozimi va dakhldorro ba nazdi qarzgiranda va dar holati lozimi ba tijorati u va khojagii manziliash, tashkil namoyad.

Korkard va vorid kardani malumotho doir ba qarz

Eksperti qarzi boyad bazai malumothoi qarzgirandaro nav kunad va hamai malumoti zaruriro ba NAB (nizomi avtomatikunonidashudai bonki), muvofiq ba qarori Kumitai qarzi vorid namoyad. In amal boyad dar tuli yak ruzi kori, bad az jalasai Kumitai qarzi surat girad.

Hamchunin eksperti qarzi, boyad parvandai qarzii qarzgirandaro nav namuda, ba on hujjathoi zerinro vorid namoyad:

       a) Hujjatguzorii purra az rui qarz;

       b) Majmui purrai hamai shaklho va varaqaho;

       v) Paynavishti Kumitai qarzi;

       g) Nuskhai maktub – ogohinomai ba qarzgiranda dodashuda, agar on doda shuda boshad;

       d) Hama guna ezohhoi imkonpazir, ki ba qarz dakhl dorand.

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