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Qarzi shabonaruzi (overnayt) chist?

Qarzi overnayt- in yaknamudi qarz ast, ki yak tashkiloti  qarzi, yane Bonk dar muddati shab ba digar Bonk qisme az on mablaghoe, ki dar surthisobi murosilotiash dorad to ogozi ruzi digari kori baroi istifoda ijozat medihad.

Masalan:  AlifBonk dar begohii sanai 1-umi oktyabr mablagi 2 mln dollar dar surathisobi murosilotiash ki dar Bonki Amrikoi meboshad sohib bud. Az sababe, ki Alifbonk in mablaghoyashro shabona istifoda namebarad az on 300 000 dollarashro ba bonki amrikoi ijozatmedihad, ki to  subhidamisanai 2-yumi  oktyabr (soati 7:40) istifoda barad.    Bo in roh   Bonki amrikoi sohibi zakhirahoi ilovagiipuli gayrinaqdi meshavad va metavonad amaliyoti ilovagi guzaronida daromadashro ziyod kunad. Alifbonk boshad az qarzi overnayti dodaash daromadi foizii nochizi kam boshad ham ba dast meorad.

Namunai  Sozishnomai qarzii kull dar borai qarzi shabonaruzi (overnayt) №______

az “___”______________ soli 2018                                                                  sh. Dushanbe

 Bonki millii Tojikiston dar simoi Raisi Bonki millii Tojikiston Nurmahmadzoda J., ki minbad “BMT” nomida shuda, dar asosi Qonuni Jumhurii Tojikiston “Dar borai Bonki millii Tojikiston” amal mekunad, az yak taraf va Jamiyati sahomii pushidai “TojikBonk” dar simoi Raisi Bonk Safarov Safar Safarovich, ki dar asosi Oinnoma amal mekunad va minbad “Bonk” nomida meshavad, va minbad dar yakjoyagi “Tarafho”, dar asosi Dasturamali №220 “Dar borai amaliyoti kutohmuhlati boztamvil” (minbad – Dasturamal) bo sharthoi zerin dar borai qarzi shabonaruzi (overnayt) Sozishnomai qarzii kull (minbad – Sozishnoma) ba imzo rasonidand:

  1. Mavzui Sozishnoma

1.1. Mavzui Sozishnomai mazkur muayyan namudani shartho va tartibi az jonibi BMT peshnihod namudani qarzi shabonaruzi (overnayt) ba Bonk tariqi Nizomi avtomatishudai savdo (minbad – “NAS”) va tanzimi munosibathoi huquqii az on baroyanda meboshad.

  1. SHarthoi peshnihodi qarzi shabonaruzi (overnayt)

2.1. Tartibi giriftan va pardokht namudani qarzi shabonaruzi (overnayt) bo Dasturamal, talaboti kor bo NAS va Sozishnomai mazkur ba tanzim darovarda meshavad.

2.2. Qarzi shabonaruzi (overnayt) bo maqsadi dastgirii pardokhtpazirii kutohmuhlati (favrii) Bonk bo puli milli doda meshavad.

2.3. Qarzi shabonaruzi (overnayt) bo puli milli bo foizi ustuvor va tahti taminot bo maqsadi nigahdorii pardokhtpazirii kutohmuhlati Bonk bo muhlati pardokht na dertar az ruze, ki bad az ruzi dodani qarz meoyad, dar har ruzi kori doda meshavad.

2.4. Baroi giriftani qarzi shabonaruzi (overnayt) Bonk boyad ba talaboti bandi 6 Dasturamal muvofiqat namoyad.

2.5. Baroi giriftani qarzi shabonaruzi (overnayt) tibqi Sozishnomai mazkur, Bonk boyad ba BMT tariqi NAS to 16:30 ruzi kori darkhost peshnihod kunad.

2.6. Andozai meyori foiz baroi qarzi shabonaruzi (overnayt) az jonibi BMT ba malumoti Bonk tariqi NAS rasonida meshavad.

2.7. Baroi giriftani qarzi shabonaruzi (overnayt) tibqi Sozishnomai mazkur, Bonk boyad ba BMT tariqi NAS dar davomi ruzi amaliyoti (savdo) darkhost peshnihod kunad.

2.8. Zakhirahoi qarzi badi az jonibi BMT band (blokirovka) kardani kogazhoi qimatnok, mablaghoi pulii Bonk, ki ba sifati taminoti qarz peshnihod megardand, ba surathisobi murosilotii Bonk dar BMT intiqol doda meshavand.

  1. Taminoti qarz

3.1. Tamini ijroi uhdadorihoi ba khud giriftai Bonk oidi bargardonidani qarzi shabonaruzi (overnayt) (qarzi asosi, foiz, jarima) az rui darkhosti peshnihodshuda, doroihoi Bonk meboshand, ki dar bobi 3 Dasturamal muqarrar shudaast. Nomgui mushakhkhasi doroiho (vositaho), baroi taminoti uhdadorihoi Bonk az rui har yak qarzi giriftashuda dar darkhosti Bonk muqarrar karda meshavand.

3.2. Doroihoi (vositahoi) Bonk, ki taminoti qarzi shabonaruzi (overnayt) meboshand bo nazardoshti koeffitsienti islohii az jonibi BMT muqarrarshuda peshnihod gardida, dar berunnavis (ticket) qayd karda meshavad.

  1. SHarthoi pardokhti qarzi shabonaruzi (overnayt)

4.1. Pardokhti mablagi qarzi asosi va foizi on az jonibi Bonk dar ruzi oyandai kori, ki badi dodani on meoyad, to okhiri ruzi amaliyoti bo rohi guzaronidani mablaghoi puli az surathisobi murosilotii Bonk bo puli milli ba hisobi dakhldori BMT amali megardad.

4.2. Agar tarikhi pardokhti mablagi qarzi asosi va foizhoi hisobshudai on ba ruzi id, gayrikori yo istirohat rost oyad, on goh pardokhti mablagi qarzi asosi va foizhoi hisobshudai on (baroi tamomi davrai istifoda shudani on) dar ruzi oyandai kori amali megardad.

4.3. Dar holati sarivaqt ijro nagardidani uhdadoriho az rui qarzi shabonaruzi (overnayt), Bonk ba andozai 0,1 foiz az mablagi qarzi shabonaruzi (overnayt) jarimai yakvaqta pardokht mekunad.

4.4. Dar surati sarivaqt va purra az jonibi Bonk ijro gardidani uhdadoriho oid ba mablagi qarzi asosi va foizhoi hisobshudai on, BMT kogazhoi qimatnok, mablaghoi pulii Bonkro, ki baroi tamini qarz peshnihod gardidand va bandshuda budand (blokirovka) ozod menamoyad.

4.5. Hangomi dar muhlati muqarrarshuda ijro nagardidani uhdadorihoi Bonk baroi bozgardonii mablagi qarzi asosi va foizhoi hisobshudai on, Bonk ba BMT huquq medihad, ki shuru az lahzai az jonibi Bonk ijro nashudani uhdadoriho, az surathisobi murosilotii Bonk dar BMT bo puli milli va asori khoriji mablaghoro dar hajme, ki baroi pardokhti mablagi qarzi asosi va foizhoi hisobshudai on yo jarima zarur ast, ba tavri bechunucharo ruyonad.

4.6. Dar holati pardokht nagardidani uhdadoriho (qarzi asosi, foizhoi hisobshudai on va jarima) binobar nokifoya budani mablag dar surathisobhoi murosilotii Bonk dar BMT, Bonk rozigi medihad, ki BMT pardokhti uhdadorihoi nopardokhtai Bonkro (qarzi asosi, foizhoi hisobshudai on va jarima) az hisobi mablaghoi pulii Bonk dar surathisobhoi on, ki baroi tamini qarz peshnihod gardidand va bandshuda budand ba tavri bechunucharo ruyonad.

4.7. Dar holati pardokht nagardidani uhdadoriho (qarzi asosi, foizhoi hisobshudai on va jarima) binobar nokifoya budani mablag dar surathisobhoi murosilotii Bonk dar BMT az jumla digar surathisobhoi on, BMT pardokhti uhdadorihoi nopardokhtai Bonkro (qarzi asosi, foizhoi hisobshudai on va jarima) az hisobi kogazhoi qimatnoke, ki hamchun tamini garav baroi qarz peshnihod gardidand va bandshuda budand bo tartibi gayrisudi meruyonad.

  1. Uhdadori va huquqhoi tarafho

5.1. Tarafho uhdadori va huquqhoro tibqi Dasturamal, Sozishnomai mazkur, digar sanadhoi meyorii huquqii Bonki millii Tojikiston va qonunguzorii Jumhurii Tojikiston muayyan mekunand.

5.2. Tarafho baroi durusti, sarivaqti va makhfiyati amalhoe, ki kormandonashon vobasta ba guzaronidani amaliyoti giriftan va pardokht kardani qarzi shabonaruzii (overnayt) BMT anjom medihand, tibqi Dasturamal va Sozishnomai mazkur purra masuliyat ba zimma dorand.

5.3. BMT uhdador meshavad:

5.3.1. Mablagi qarzi shabonaruziro (overnayt) ba surathisobi murosiloti bo puli milli ba Bonk bo nazardoshti taminoti peshnihodshudai on guzaronad.

5.3.2. Dar surati peshnihod namudani qarzi shabonaruzi (overnayt) tahti tamini Vekselhoi Hazinadorii davlatii Vazorati moliyai Jumhurii Tojikiston, kogazhoi qimatnoki Bonki millii Tojikiston, mablaghoi pulie, ki dar surathisobhoi on dar BMT mavjudand, bo tartibi muqarrarshuda doroihoi mazkurro band (blokirovka) namoyad. Ba baqiyai mablaghoi puli dar surathisobhoi Bonk, ki baroi tamini qarz peshnihod gardidand va bandshuda budand (blokirovka) foiz hisob karda nameshavad.

5.3.3. Dar surati sarivaqt va purra ijro shudani uhdadorihoi Bonk, kogazhoi qimatnok, mablaghoi pulii Bonkro, ki baroi tamini qarz peshnihod gardidand va bandshuda budand (blokirovka) ozod namoyad.

5.4. BMT huquq dorad:

5.4.1. Dar surati nokifoya budani mablagi umumii taminoti qarz yo bo sababi gunogun past shudani arzishi on, az Bonk purra namudani on yo ivaz kardani onro ba taminoti hamarzish talab namoyad.

5.4.2. Hangomi az jonibi Bonk dar muhlati muqarrarshuda pardokht nashudani qarzi shabonaruzi (overnayt), mablagi uhdadoriro (qarzi asosi, foiz, jarima) be ogohii peshaki az hamai surathisobhoi murosilotii dar BMT mavjudbudai Bonk sitonad.

5.4.3. Dar surati pardokht nashudani uhdadorihoi Bonk tibqi bandi 5.4.2. mablagi uhdadorihoi Bonkro (qarzi asosi, foiz, jarima) az hisobi mablaghoi pulii Bonk dar surathisobhoi on, ki baroi tamini qarz peshnihod gardidand va bandshuda budand (blokirovka) ba tavri bechunucharo ruyonad.

5.4.4. Dar holati pardokht nagardidani uhdadoriho binobar nokifoya budani mablag dar surathisobhoi murosilotii Bonk dar BMT az jumla digar surathisobhoi on, ki baroi tamini qarz peshnihod gardidand va bandshuda budand (blokirovka) pardokhti uhdadorihoi nopardokhtai Bonkro (qarzi asosi, foizhoi hisobshudai on va jarima) az hisobi kogazhoi qimatnoke, ki hamchun garav baroi tamini qarz peshnihod gardidand va bandshuda budand (blokirovka) bo tartibi gayrisudi ruyonad.

5.5. Bonk uhdador ast:

5.5.1. Baroi giriftani qarzi shabonaruzi (overnayt) dar davomi ruzi amaliyoti (savdo) bo tartibi muqarrarshuda tariqi NAS tibqi talaboti Dasturamal va Sozishnomai mazkur darkhost peshnihod namoyad.

5.5.2. Ba BMT tibqi bobi 3 Dasturamal baroi taminoti qarz doroihoi (vositahoi) khudro peshnihod kunad.

5.5.3. Baroi band kardani Vekselhoi Hazinadorii davlatii Vazorati moliyai Jumhurii Tojikiston, kogazhoi qimatnoki Bonki millii Tojikiston, mablaghoi pulii dar surathisobhoi Bonk dar BMT mavjudbuda, ki az jonibi Bonk ba sifati tamini qarz peshnihod megardand, rozigi dihad.

5.5.4. Ba BMT qarzi shabonaruzi (overnayt) va foizi istifodai onro bo rohi guzaronidani mablag ba surathisobi dakhldor dar muhlati muqarrarshuda bargardonad.

5.5.5. Hamai shartho va talaboti Dasturamal va Sozishnomai mazkurro rioya namoyad.

5.6. Bonk huquq dorad:

5.6.1. Dar surati rioyai sharthoi Dasturamal va Sozishnomai mazkur az BMT qarzi shabonaruzi (overnayt) girad.

5.6.2. Dar surati sarivaqt pardokht kardani qarzi shabonaruzi (overnayt) va foizi istifodai on, az BMT ozod namudani kogazhoi qimatnok, mablaghoi puliro, ki baroi tamini qarz peshnihod gardidand va bandshuda budand (blokirovka) talab namoyad.

  1. SHarthoi makhsus

6.1. Dar surati ba miyon omadani holathoi quvvai rafnashavanda (holathoi favquloda), ki ba on ba tavri mustaqim yo gayrimustaqim holathoi doroi khususiyati favquloda, az jumla zaminjunbi va digar ofathoi tabii, amalu qarorhoi maqomoti davlati, amaliyoti harbi va betartibihoi ommavi sabab megardad va Tarafhoi Sozishnomai mazkur baroi nazorati onho imkoniyat nadorand va in holatho ba ijro shudani uhdadorihoi onho az rui Sozishnomai mazkur mone megardad, muhlati ijroi in uhdadoriho mutanosiban ba vaqti amali in holathoi favquloda mavquf guzoshta meshavad, vale tanho ba on andozae, ki onho baroi dar muhlat ijro shudani Sozishnomai mazkur yo on qismati on, ki boyad badi ba miyon omadani in holathoi favquloda ijro megardid, tasir rasonand.

6.2. Tarafhoi Sozishnomai mazkur boyad betakhir dar davomi ruzi kori yakdigarro dar borai ogozi holathoi favqulodae, ki ba ijro gardidani uhdadorihoi onho az rui Sozishnomai mazkur mone megardand va dar borai anjomyobii onho dar oyanda dar shakli shifohi va khatti khabar dihand.

6.3. Az jonibi yake az Tarafho ijro nagardidani uhdadoriho az rui Sozishnomai mazkur vayron kardani Sozishnomai mazkur ba hisob nameravad, agar ba in holathoi favquloda sabab shavand, ba sharte ki Tarafi ba holati favquloda duchorshuda sarivaqt hamai chorahoi zaruriro baroi rafi in guna oqibatho andeshad.

  1. Nuqsoni tekhniki

7.1. Dar holati ba miyon omadani nuqsoni tekhniki dar joyi korii Bonk va omoda karda natavonistani hujjathoi elektroni, Bonk boyad sarivaqt ba BMT dar borai on khabar dihad va faoliyati benuqsoni joyi koriro bo nuskhai ehtiyotii taminoti barnomavi barqaror namoyad.

7.2. Dar holati sar zadani nuqsoni tekhnikii NAS dar BMT, ki dar natijai on korkardi hujjathoi elektroni gayriimkon megardad, BMT metavonad bo farmoishi rohbariyati BMT dodani qarzi shabonaruziro (overnayt) to barqarorshavii faoliyati NAS dar BMT bozdorad yo dodani qarzi shabonaruziro (overnayt) dar asosi darkhosti giriftani qarzi shabonaruzi (overnayt), ki Bonk dar shakli kogazi peshnihod kardaast, amali namoyad (Zamimai 1).

  1. Ikhtilofot va bahsi tarafho

8.1. Ikhtilofot va bahshoero, ki dar rafti ijroi sharthoi Sozishnomai mazkur ba miyon meoyand, Tarafho peshaki bo maqsadi paydo kardani halli qobili qabuli onho hallu fasl menamoyand.

8.2. Dar surati bo rohi sozish ba muvofiqa naomadan, ikhtilofot va bahsi Tarafho bo tartibi muqarrarkardai qonunguzorii Jumhurii Tojikiston dar Sudi Olii iqtisodii Jumhurii Tojikiston barrasi karda meshavad.

  1. Digar shartho

9.1. Bo rozigii Tarafho ba sharthoi Sozishnomai mazkur tagyiru ilovaho vorid kardan mumkin ast.

9.2. Hamai tagyiru ilovaho ba Sozishnomai mazkur on vaqt etibor dorand, ki agar dar shakli khatti surat girifta, az jonibi Tarafho imzo shuda boshand.

9.3. Sozishnomai mazkur dar du nuskha, ki har kadom etibori yagonai huquqi dorand, tahiya gardidaast va yak nuskhai on dar BMT monda, nuskhai digar ba Bonk doda meshavad.

  1. 10. Muhlati amali Sozishnoma va tartibi bekor kardani on

10.1. Sozishnomai mazkur az lahzae, ki onro Tarafho imzo mekunand,  amal mekunad. Qat gardidani amali Sozishnomai mazkur uhdadorihoi Bonkro oid ba bargardonidani qarzi qablan giriftai vay va rioyai sharthoi tamini on, ki Sozishnomai mazkur peshbini kardaast, inchunin uhdadorihoi BMT-ro oid ba ozod kardani doroihoi Bonk, ki baroi tamini qarz peshnihod gardidand bo tartibi muayyankardai Sozishnomai mazkur qat namesozad.

10.2. BMT huquq dorad yaktarafa biduni peshaki ogoh kardani Bonk Sozishnomai mazkurro dar holathoi zerin bekor namoyad:

– ijro nakardani talaboti Dasturamal va sharthoi Sozishnomai mazkur az jonibi Bonk;

– bozkhondi ijozatnomai Bonk baroi guzaronidani amaliyoti bonki, ki BMT dodaast;

– qat gardidani faoliyati Bonk hamchun shakhsi huquqi tibqi qonunguzorii amalkunandai Jumhurii Tojikiston;

– muflis elon shudani Bonk.

  1. Nishonii huquqi va mushakhkhasoti Tarafho

Namuna

Zamima ba

Sozishnomai qarzii kull

dar baroi qarzi shabonaruzi (overnayt) №_____

Darkhosti №____

ba Sozishnomai qarzii kull

dar baroi giriftani qarzi shabonaruzi (overnayt) №_____

az “___”______________ soli 2017                                                                  sh. Dushanbe

Bonk: __________

  1. Hohish menamoyad, ki dar hajmi __________ (bo huruf) somoni qarzi shabonaruzi (overnayt) doda shavad.
  2. Tarikhi dodani qarz: “___”______________ soli 2017.
  3. Tarikhi pardokhti qarz: “___”______________ soli 2017.
  4. Meyori foizi qarzi shabonaruzi (overnayt): __ foizi solona.
  5. Mablagi foizi qarzi shabonaruzi (overnayt): _____ (bo huruf) somoni.
  6. Baroi taminnokii qarz doroihoi (vositahoi) zerin peshnihod karda meshavand:

a) Kogazhoi qimatnok:

Navi

VHD VMJT

yo

KQ BMT

Raqami

qayd

Tarikhi

barorish

Tarikhi

pardokht

Miqdor

(adad)

Mablag

az rui

nominal

(bo somoni)

1 VHD VMJT         0,00
2 KQ BMT         0,00
H Hamagi H H H H 0,00

b) Asori khoriji:

Surathisobhoi murosiloti

№20602840__________

№20602978__________

№20602826__________

№20602810__________

Navi asor Mablag
1 Dollari IMA 0,00
2 EVRO 0,00
3 Funt sterlingi Ingliston 0,00
4 Rubli Rusiya 0,00
H Hamagi (hamarzish bo somoni) 0,00

v) Amonat bo puli milli:

Surathisobho

№_______________

№_______________

  1. Hangomi nokifoya budani mablag dar surathisobi murosilotii Bonk dar BMT, Bonk ba BMT huquq medihad, ki pardokhti uhdadorihoi nopardokhtai Bonkro (qarzi asosi, foizhoi hisobshudai on va jarima) az hisobi mablaghoi pulii Bonk dar surathisobhoi dar bandi 6 darkhosti mazkur zikrshuda, ki baroi tamini qarz peshnihod gardidand va bandshuda budand (blokirovka) ba tavri bechunucharo ruyonad.
  2. Dar holati purra pardokht nagardidani uhdadorihoi Bonk binobar nokifoya budani mablag dar surathisobhoi on dar BMT az jumla surathisobhoi on, ki baroi tamini qarz peshnihod gardidand va bandshuda budand, pardokhti qarzro az hisobi kogazhoi qimatnoke, ki dar bandi 6 darkhosti mazkur zikrshuda bo tartibi gayrisudi ruyonad.

            ______________ (vazifa) ____________ (nomu nasab) ______ (imzo)

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