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Kumitahoi qarzi – Nizomnoma

MUNDARIJA:

  1. MUNDARIJA
  2. MUQARRAROTI UMUMI
  3. VAZIFA, MAQSAD VA DOIRAI MASULIYATI KUMITA
  4. TARTIBI KORI KUMITAI SATHI OLI
  5. TARTIBOTI BARRASII QABLII PESHNIHODOTI QARZI
  6. VAZIFAHOI KOTIBI KUMITA
  7. MASULIYATI AZOYONI KUMITA
  8. TARTIBOTI OMODAGI BA JALASAHOI KUMITA
  9. TARTIBOTI BA RASMIYAT DAROVARDANI QARORHOI KUMITA
  10. MUQARARROTI HOTIMAVI

ZAMIMAHO (Namunahoi shaklhoi muqarrargardida)

2.       MUQARARROTI UMUMI

2.01.               Bo Qarori SHuroi nozironi JSP «Alif Bonk» (minbad «Bonk») dar nazdi Rayosati Bonk Kumitai qarzi sathi oli (minbad Kumita) tasis doda meshavad, ki on baroi ba amal barovardani Siyosati qarzii Bonk vakolatdor meboshad.

2.02.               Kumita maqomoti dastajamonai kori buda, bo maqsadi dar doirai Siyosati karzii Bonk tamin kardani qabuli qarorhoi mashvarati doir ba masalahoi vobasta ba amaliyothoi qarzie, ki bo khavfi qarzi aloqamand meboshand, tashkil karda meshavad. Dar barobari in, salohiyati faoliyati Kumita tanho ba qarzhoe taalluq dorand, ki dar muhlati qabuli qaror ba qismi qarzhoi mushkilsiton tasnif nashuda boshand. Binobar in, Nizomnomai mazkur faoliyati Kumitai kor bo qarzhoi mushkilsitonro ba tanzim namedarorad.

2.03.     Bo nazardoshti on, ki hama guna amaliyothoi faol (novobasta az hajmi mablagi on), ki dar Bonk guzaronida meshavand, tanho bad az qablan barrasi shudanashon dar sathi Kumita ijro karda meshavand.

2.04.      Bo maqsadi baland bardoshtani samaranokii barrasi va qabuli qaror faoliyati on dar du sath tashkil meshavad:

  • Kumitai sathi oli – dar Saridorai Bonk,
  • Kumitai sathi duyum – dar filialhoi (MHB-hoi) Bonk.

2.05.     Miqdori ( na kamtar az panj nafar) hayati shakhsii Kumitai qarzii sathi oli va inchunin, hududi nihoii doirai vakolathoi on baroi qabuli qarorhoi mustaqilona tibqi masalahoi barrasi gardida, az jonibi SHuroi nozironi Bonk muqarrar karda meshavad.

2.06.     Ba Kumitai sathi oli baroi tasis dodani Kumitahoi qarzii filialho va digar sokhtorhoi amaliyotii makhsus gardonidashudai Bonk (MHB-ho) va muqarrar namudani salohiyati onho baroi guzaronidani amaliyothoi faol, vakolat doda shudaast.

2.07.     Ba hayati Kumita kormandoni bastii Bonk, ki vazifahoi rohbar, sardor, muovini rohbar va sardorro ijro mekunand,  intikhob megardand.

2.08.     Dar holati bo sababi uzrnok muntazam ishtirok nakardani yake az azoyoni Kumita, namoyandagii uro dar jalasai Kumita jonishini basti yo digar shakhsi salohiyatdor tamin karda metavonad. (dar sokhtorhoi amaliyoti dar asosi farmoni dakhldori Rohbari sokhtor)

2.09.     Raisi bonk va Muovini Rais vakolati  ishtirok kardan dar jalasai Kumitai hamai sathho, bo huquqi ovozdihi az ruyi qabuli qarorho vobasta ba hamai masalahoi muhokimashavandaro, bo nazardoshti hududi mablagi peshnihodoti qarzii az tarafi SHuroi nozironi bonk muqarrargardidaro doro meboshand.

2.10.     Digar azoyoni Kumitai sathi oli vakolati  ishtirok kardan dar jalasai Kumitai hamai sathho, bo huquqi ovozdihi az ruyi qabuli qarorho vobasta ba hamai masalahoi muhokimashavandaro, bo nazardoshti hududi mablagi peshnihodoti qarzii az tarafi Kumitai qarzii sathi oli muqarrargardidaro doro meboshand.

2.11.     Kumita tanho majmui hujjathoi ba tavri muqarrargardida omodashudaro, baroi barrasi qabul karda metavonad.

2.12.     Qarorhoi dakhldor doir ba masalahoi zerin qabul karda meshavand:

  • Peshnihodi qarzho (bastani sozishnomahoi generali, kushodani khati qarzi, qarzhoi baynibonki) va kafolathoi bonki,
  • Tagyir dodani sharthoi mablagguzorii qarzgirandagone, ki qarzi onho ba qatori mushkilsiton tasnif karda nameshavand,
  • Muqarrar kardani hayat va vakolathoi Kumitahoi sathi poyoni.
    • Sokhtorhoi amaliyotii Bonk metavonand ba Kumitai sathi oli peshnihodoti qarziro tanho bad az muvofiqa shudani onho bo SHubai rushdi mahsulothoi bonki, jihati barrasi peshnihod namoyand.

Dar barobari in, peshnihodoti qarzie, ki az tarafi filialhoi Bonk (ba gayr az Mudiriyati amaliyoti) peshnihod meshavand, dar Kumitai sathi oli tanho dar asosi peshnihodi SHubai Rushdi mahsulothoi bonki barrasi meshavand.

Ba majmui hujjathoi hatmi, ki az tarafi filialhoi Bonk jihati barrasi ba Kumitai boloi peshnihod megardand, boyad hamai qarorhoe, ki dar sathi Kumitahoi zertobe qabul shudaand, zamima megardand.

2.14.     Faoliyati Kumitaho dar shakli shinosshavii qabli bo hujjathoi qarzi va qabuli qarorhoi zaruri bo rohi ovozdihi dar jalasahoi Kumita tashkil karda meshavad.

2.15.     Dar jalasahoi Kumita Rohbari Kumitai dakhldor raisi menamoyad. Agar dar jalasai Kumitai sathi poyoni Raisi Bonk yo Muovini Raisi Bonk ishtirok kunand, huquqi raisii jalasa ba onho meguzarad.

2.16.     Ba hayati Kumita ba sifati kotibi korguzor be huquqi ovozdihi metavonad kormandi Bonk vorid karda shavad.

2.17.     Faoliyati Kumitai sathi oli dar asosi faoliyati doimi, bo guzaronidani jalasahoi naqshavii na kamtar az du marotiba dar yak hafta tashkil karda meshavad. Ruz va vaqti barguzorii jalasahoi naqshavi az tarafi khudi Kumita, bo elon kardani sokhtorhoi qarzii Bonk, muayyan megardad to in, ki onho holati mazkurro dar banaqshagirii faoliyati khud az jumla, dar munosibathoi tarafayn bo mizojoni Bonk ba hisob girand.

2.18.     Jalasahoi gayrinaqshavii Kumita dar holati zaruri metavonand az tarafi Raisi Bonk, Muovini Raisi Bonk va Rohbari Kumitai qarzii sathi dakhldor davat karda shavand.

3.   VAZIFA, MAQSAD VA DOIRAI MASULIYATI KUMITAI SATHI OLI

3.01. Vazifai Kumita az tashkil kardan va dar zaminai mashvarat muntazam va samaranok tatbiq namudani barrasii masalahoi vobasta ba tashkil va burdani munosibathoi qarzii dutarafa bo qarzgirandagoni Bonk meboshad.

3.02. Maqsadi Kumita – in mutobiqatii natijai baamal barovardani vazifai intikhobgardida, tashakkul dodani sanduqi qarzii idorashavanda, daromadnok va sifatnok meboshad.

3.03.          Ba doirai masuliyati Kumita dokhil meshavand:

  • Barrasii peshnihodoti qarzi;
  • Qabuli qarorho doir ba tagyir dodani hayat va vakolathoi Kumitai qarzi dar sathi sokhtorhoi amaliyotii bonk;
  • Barrasii peshnihodot doir ba vorid kardani tagyirotu ilovaho ba Siyosati qarzii Bonk;
  • Qabuli qarorho tibqi natijai tahlili miqdor va sokhtori sanduqi qarzii Bonk;
  • Qabuli qarorho tibqi hisobot az ruyi vayron kardani vakolathoi qarzi (meyorho) az tarafi sokhtorhoi amaliyotii Bonk;
  • Qabuli qarorho tibqi hisobot az ruyi vayron kardani tartiboti barrasi kardani peshnihodoti qarzii voridgardida az tarafi sokhtorhoi amaliyotii Bonk;
  • Qabuli qarorho tibqi hisobot az ruyi tahlili qarzhoi batakhiraftodai sanduqi qarzii Bonk, hisobot oidi hisobkuni va tashkili Fondi pushonidani talafothoi imkonpazir az rui qarzhoi batakhiraftoda;

3.04.     Masuliyatnoki va vakolathoi Kumita ijozat namedihand, ki ba mavqei baland nigoh nakarda, yagon shakhsi rohbarikunandai Bonk, ki  doroi vakolati qabul kardani qaror dar borai dodani qarz ba yagon kas doshta boshad, agar peshnihodi karzii dakhldor az tarafi Kumitai qarzii Bonk maqul donista nashuda boshad.

3.05. Taqsimoti vazifahoi bayni azoyoni Kumitai sathi oli chunin surat megirad:

  • Rohbari Kumita, (Rais yo Muovini Raisi Bonk) – ba sifati raisikunandai jalasa;
  • SHuba rushdi makhsulothoi bonki jihati tatbiqi siyosati qarzii bonk va barovardan va himoya kardani peshnihodoti qarzi az rui qarzhoi baynibonki,
  • Hadamoti idorakunii khavfho omoda va peshnihod kardani khulosa az ruyi peshnihodoti qarzi, dodani tavsiyaho doir ba hayat va vakolathoi Kumitahoi qarzii sathi poyoni, peshnihod kardani akhborot dar borai natijai nazorat az boloi rioya shudani meyori vakolathoi qarzi va siyosati qarzi;
  • SHubai qarzi jihati barrasi va himoya namudani peshnihodoti qarzi;
  • SHubai huquq jihati rioya shudani tarafhoi huquqii masalahoi ba Kumita baroi barrasi peshnihodshuda.

3.06. Bo nazardoshti on, ki mutobiqi Qarori SHuroi nozironi Bonk tahti №03 az 20.04.2015s. hayati Kumitai sathi oli ba miqdori 5 nafar intikhob gardidaast, kvorumi ishtirok kardani azoyoni Kumita ba miqdori 3 (se) nafar, bo huquqi ovozdihi hangomi qabuli qaror muayyan karda meshavad.

3.07. Bad az muqarrar kardani kvorum dar jalasa, ruznomai majlis elon va tasdiq karda meshavad.

3.08. Baroi barrasi kardani yak az masalai ruznomai majlis na ziyoda az 15 daqiqa vaqt bo nazardoshti on, ki har yak azoi Kumita dar vaqti shinosoii peshaki bo peshnihodi qarzi aqidai khudro tashakkul dodast, muayyan karda meshavad.

3.09. Kumitai qarzi dar shakli gush kardani nishondihandahoi asosii peshnihodi qarzi (na ziyoda az 5 daqiqa) va muhokimai fikrhoi Rohbar  va azoyoni Kumita (na ziyoda az 10 daqiqa) tashkil karda shuda, bad az on tartiboti ovozdihi guzaronida meshavad.

4.             TARTIBI KORI KUMITAI SATHI OLI

4.01. On sokhtorhoi Bonk, ki huquqi omoda kardani peshnihod va hisoboti qarzi dorand, vazifador hastand, ki bo tartibi muqarrargardida azoyoni Kumitaro bo majmui hujjathoi dakhldor shinos namoyand.

4.02. Bo maqsadi sabt kardani natijai shinosoii peshaki bo hujjathoe, ki baroi barrasi barovarda meshavand, boyad varaqai shinosoi ba rasmiyat darovarda shuda, dar on azoyoni Kumita, nomu nasab, sanai shinosshavi bo hujjathoi qarzi va inchunin dar holati zaruri erodu peshnihodoti khudro qayd namoyand.

4.03. Bad az ba tavri zaruri qayd shudani varaqai shinosoi, Rohbari Kumita dar borai ba ruznomai majlis vorid namudani masalai mazkur qaror qabul mekunad. Bo in maqsad u bo ravodid, yakjoya bo hujjathoi dakhldor ba kotibi Kumita dastur medihad.

4.04. Dar holathoe, ki agar Rohbari Kumita dar majmui hujjathoi peshnihodshuda mavjud nabudani hujjati zaruriro mebinad yo in, ki bo nazardoshti erodhoi asosnoki azoyoni Kumita, ki dar varaqai shinosoi qayd gardidaand, kambudiro zohir menamoyad, u metavonad hujjathoro baroi korkardi takrori ba sokhtori dakhldore, ki masalaro baroi barrasi peshnihod kardaast, bargardonad.

5.   TARTIBI BARRASII IBTIDOII PESHNIHODOTI QARZI

5.01. Dar sokhtorhoi amaliyotii bonk huquqi omoda kardani peshnihodi qarzi doda meshavad ba:

  • Sektori qarzdihii sokhtor.

5.02. Sektorhoi front – ofisii Bonk vazifadorand muvofiqi tartibot malumothoro bo bastahoi hujjathoi ba tarzi zaruri barasmiyatdarovardashudaro ba azoyoni Kumitai sathi poyoni shinos namoyand.

5.03. Bastai hujjathoi hatmie, ki dar parvandai qarzi zamima megardad, iborat ast az:

  • Arizai mizoj baroi giriftani qarz dar shakli anketai namunavii az tarafi Bonk muqarrargardida,
  • Nuskhai shinosnomai arizadihanda, bo qaydi joyi istiqomat,
  • Nuskhai RMA va digar hujjathoi huquqmuayyankunandai arizadihanda,
  • Hujjati standartizatsiyashuda, ki guzaronidani tahlili moliyavii harakati pulhoi mizoj va natijai onhoro tasdiq menamoyad,
  • Malumot dar borai manbai avvalini daromadi mizoj,
  • Peshbinii (prognoz) harakati vositahoi puli dar davrai istifodabari va khizmatrasonii qarzi pursidashuda,
  • Naqshai takhminii pardokhti qarz va foizhoi on,
  • Ruykhati amvoli garav (kafolatho va zominho), ki az tarafi qarzgiranda ba sifati tamini duyumindarajai qarz ba Bonk peshnihod megardand,
  • Malumot dar borai qarzgiranda az Byuroi Qarzii Tojikiston (muvofiqi ogozi faoliyati on),
  • Digar hujjathoe, ki bo maqsadi tasdiq kardani voqei budanashon mutakhassisi qarzi ba peshnihodi qarzi zamima kardanashonro zarur shumoridaast yo dar siyosati peshnihod kardani mahsuloti alohidai qarzi peshbini gardidaand.
    • Baroi sabt kardani natijai shinosonidani peshaki bo hujjathoe, ki baroi barrasi ba Kumitai sathi poyoni barovarda shudaand, varaqai shinosshaviro, ki dar on azoyoni Kumita imzo va sanai shinosshavi bo parvandai qarziro qayd mekunand, ba rasmiyat darovarda, inchunin erod va peshnihodoti khudro sabt menamoyand.

5.05. Bad az ba tavri zaruri ba rasmiyat darovarda shudani varaqai shinosoi, Rohbari Kumitai  sathi poyoni dar borai ba Ruznomai majlisi Kumita vorid kardani masala qaror qabul namuda, bo in maqsad u ba Kotibi Kumita suporishi dakhldor medihad.

5.06. Dar holathoe, ki agar, Rohbari Kumitai sathi poyoni dar bastai hujjatho mavjud nabudani yagon hujjati zaruri yo in, ki bo nazardoshti erodhoi asosnoki azoyoni Kumita, ki dar varaqai pursishi sabt gardidaand oshkor namoyad, u metavonad hujjathoro ba baroi aznavkorkuni bargardonad.

5.07. Kumitahoi sathi poyoni metavonand ba mizojoni, ki tarikhi qarzii khub dorand yak marotiba ba u muhlati imtiyozi peshnihod namoyand.

5.08. Dar mavridi rad kardani qarz dar kumitahoi sathi poyoni, darkhosti qarz ba kumitai sathi oli barovardan man ast.

6. VAZIFAHOI KOTIBI KUMITA:

Vazifahoi Kotibi Kumitai sathi oli va sathi poyoni iborat meboashad, az:

  • tashkil kardani jalasai Kumita (dodani elon va omoda kardani tolori majlis),
  • bahisobgirii ishtirokchiyoni jalasai Kumita,
  • qaydi paynavishti jalasai kumita,
  • ba rasmiyat darovardani khulosai Kumita oid ba har yak masalai ruznomai ruz,
  • giriftani imzohoi azoyoni Kumita dar chunin khulosaho,
  • ba rasmiyatdarorii nihoii paynavisht va khulosahoi Kumita bo imzoi Rohbari Kumita (yo digar kormandi rohbarikunandai Bonk, ki dar jalasa raisi kardaast),
  • nigoh doshtani hujjathoe, ki tibqi natijai faoliyati Kumita jam shudaand.

6.01. Kotibi Kumita tavassuti pochtai elektronii dokhilibonki yo ba tavri shifohi dar borai barguzorii jalasai Kumita ba Raisi Kumita, muovin va azoeni kumita khabarnoma va ruznomai majlisro  irsol  menamoyad,

6.02. Rohbaroni sokhtorhoe, ki masalai onho ba ruznomai majlisi Kumita vorid karda shudaast, bo ravodidi khud metavonand kormandoni dakhldori Bonkro (eksperti qarzi,  mutakhassisi sokhtori front – ofisi Bonk, mutakhassisi vobasta ba masalai dakhldor) davat namoyand:

6.03. Qarzgirandagoni Bonk (mizojon) ba jalasa davat karda nameshavad, ba gayr az on holathoe, ki dar in khusus qarori dakhldori Kumita qabul shuda boshad.

6.04. Muvofiqi har yak masalai ruznomai majlis az tarafi har yak sokhtore, ki bo peshnihodi qarzi yo hisoboti qarzi ba sathi Kumita mebaroyad, boyad hujjathoi muvofiqi zamimai №1 Nizomnomai mazkur ba rasmiyat darovardashuda peshnihod gardad.

6.05. Hujjati mazkur az du qism (taraf) iborat meboshad. Dar qismi yakumi hujjat boyad nishondihandahoi asosii peshnihodoti yo hisoboti qarzii peshnihodgardida, ki bo imzoi shakhsii rohbari dakhldori sokhtori Bonk va sanai imzokuni ba rasmiyat darovarda shudaast, peshnihod megardad. Dar barobari in, az peshnihodoti mazkur boyad malum boshad, ki sokhtori baromadkunanda az Kumita qabuli kadom qarorro intizor meboshad.

Tarafi digari hujjat az jonibi kotibi Kumita tibqi natijai ovozdihi muvofiqi peshinihodot yo hisoboti qarzi sabt karda meshavad. Dar on boyad sabt gardad:

  • Mazmuni qarori qabulgardida,
  • Imzohoi Rohbar va azoyoni Kumita bo nishon dodani mavqei har yaki onho tibqi qarori qabulgardida,
  • Muhlati dastras gardonidani qarori qabulgardida to vohidi sokhtorii dakhldori Bonk, bo bargardonidani nuskhai hujjathoi aslii zamimagardidai peshnihodi qarzi yo in, ki

6.06. Dar holati mavjud budani kvorum (na kam az 3  – va umumi 5 nafar ishtirokchii jalasa) peshnihodi qarzii ba muhokima guzoshtashuda dar holati agar na kamtar az 3 azoi huquqi ovozdoshta tarafdor ovoz dihand, qabulgardida hisob meshavad.

6.07. Qarori Kumita, ki dar doirai vakolathoi muqarrargardida qabul meshavad (tibqi vakolathoi muqarrargardida), dar hududi meyori oddii foiz, (dar doirai nishondihandahoi mahsulothoi qarzii az tarafi Rayosati Bonk tasdiqgardida) bevosita ba on sokhtore, ki masalaguzori karda bud, irsol karda meshavad.

6.08. Qarori Kumita doir ba masalahoe, ki az doirai vakolatho ziyod meboshand (ziyoda az vakolati muqarrargardida ba yak qarzgir yo guruhi qarzgirandagoni vobasta) badi dastgiri yoftan az tarafi Kumitai sathi poyoni va Oli, baroi qabuli qarori nihoi tavassuti Kotibi Raisi Bonk jihati barrasi ba SHuroi nozironi Bonk irsol megardad.

6.09. Tibqi natijai jalasai guzaronidashuda dar asosi qarorhoi qabulgardida, Kotibi Kumita boyad paynavishti jalasaro tartib doda, inchunin imzoi Raisi jalasaro girad.

6.10. Dar holati mavjud budani kvorum masalai ba Kumitai sathi oli va poyoni baroi barrasi peshnihodgardida dar on holat qabulshuda mahsub meshavad, ki agar tarafdor nakamtar az nisfi azoyoni dar ruykhatbudai azoyoni Kumita ovoz dihand. Dar holati barobar budani ovozho, ovozi Raisikunandai Kumitai sathi duyum halkunanda meboshad.

7 MASULIYATI AZOYONI KUMITA

7.01. Rohbar va azoyoni Kumita dar nazdi Rayosati Bonk baroi qarorhoi tibqi natijai muhokimai masalahoi ruznomai majlisi jalasahoi kori qabulgardida, masul meboshand.

7.02. Har yak azoi Kumita dar vaqti barrasi shudani masalahoi muhokimashavanda tanho manfiathoi Bonkro boyad ba nazar girad. Dar holati ba vuqu omadani mukholifati manfiatho, raisikunanda ishtirokchii mazkurro az huquqi ovozdihi az rui masalai dakhldor mahrum mesozad.

7.03. Rayosati Bonk dar holathoi mazkur huquq dorad, ki nisbati azoyoni Kumita chorahoi moddi va mamuri andeshad:

  • Muvofiqi natijai umumii gayriqanoatbakhshi faoliyati kori Kumita,
  • Muqarrar kardani dalelhoi rasonidani hisoroti moddi ba Bonk dar natijai amalhoi maqsadnok yo khunuknazarii azoyoni Kumita hangomi barrasii peshnihodi muayyani qarzi,
  • Habar nadodan oidi mavjudiyati mukholifati manfiatho ba Kumita va azoyoni on,
  • Muayyan shudani digar hodisahoi vayron kardani tartiboti barrasii masalaho va qabuli qarorho muvofiqi Nizomnomai mazkur.

8        TARTIBI OMODAGI BA JALASAHOI KUMITA

8.01. Hamai azoyoni Kumita huquq dorand, ki bo mavodhoi baroi barrasi banaqshagiriftashuda peshaki shinos shavand.

8.02.  Odatan, ruykhati masalahoe, ki ba ruznomai majlis dokhil karda meshavand, ba har yak azoi Kumita ba tariqi elektroni to vaqti muayyangashtai barguzorii majlisi Kumita irsol karda meshavand.

8.03. Vaqti judoshuda baroi barrasii arizai qarzii mizoji Bonk az lahzai vorid shudani arizai khattii u to davrai omoda kardani peshnihodi qarzi va shinosonidani on ba azoyoni Kumitahoi qarzii Bonk, bo asnodi meyorii dokhilibonkie, ki masalahoi tashkil va guzaronidani amaliyothoi qarziro ba tanzim medarorand, muayyan karda meshavad.

8.04. Nizomnomai mazkur tanho masalai muhlati barrasii peshnihodi qarzi va hisobothoi qarzii ba unvoni Raisi Kumitai qarzii sathi dakhldor voridgardidaro ba tanzim medarorad.

8.05. Hamai peshnihodot va hisoboti qarzii ba unvoni Kumita voridgardida boyad ba tariqi qogazi yo elektroni dar kitobi baqaydgiri sabt karda shavand.

8.06. Baroi barrasi kardani peshnihodoti qarzii sathi poyoni 2 ruzi kori judo karda meshavad, ki vobasta ba in jalasai Kumita 3 marotiba dar yak hafta barguzor megardand.

8.07. Baroi barrasi kardani peshnihodoti qarzii ba Saridorai Bonk peshnihodgardida 5 ruzi kori judo karda meshavad. Muhlati mazkur baroi az nomi SHubai rushdi mahsulothoi bonki, Hadamoti idorakunii khavfho va SHubai huquq barrasi va omoda kardani khulosaho ba Kumitai sathi oli zarur meboshad.

8.08. Muhlati umumi – az davrai omoda kardani peshnihodi yakumi peshnihodi qarzi dar sathi filiali (sokhtori amaliyotii) Bonk to barrasii on dar jalasai Kumitai qarzii sathi oli, boyad na ziyoda az 14 ruzi taqvimiro tashkil dihad.

8.09. Dar holathoi bo qarzhoi makhsusan kalon (ba mablagi ziyoda az vakolati ba Kumitai sathi oli az tarafi SHuroi nozironi bonk muqarrargardida) Kumitai qarzii sathi oli dar shakli muqarrarshuda ba unvoni SHuroi nozironi Bonk peshnihodi qarzi omoda menamoyad. Dar in holat muhlati umumii barrasi va muvofiqa kardani masalai qarzi az davrai omoda kardani peshnihodi yakumi qarzi metavonad 20 ruzi taqvimiro dar bar girad.

8.10. Miqdor va kifoyatii hujjathoero, ki baroi qabuli qaror muvofiqi masalai ba ruznomai majlisi Kumita jihati barrasi voridgardida zarur meboshand, Kumita dar asosi mashvarat dar rafti jalasa muayyan mesozad.

8.11. Hangomi barrasii masalahoi ba salohiyati Kumita taalluqdoshta, on metavonad az shakhsoni dakhldore, ki dar tashkil va khizmatrasonii mizoj ishtirok doshtand, peshnihod kardani malumoti digar, ki baroi hamatarafa barrasi kardani peshnihodi qarzi imkoniyat medihad murojiat namoyand.

9 TARTIBI BA RASMIYAT DAROVARDANI QARORHOI KUMITA

9.01. Raisi Bonk yo Sardori filiali Bonk tibqi peshnihodi Kumitai qarzii sathi dakhldor bo farmoni khud Kotibi Kumitaro tain menamoyad.

9.02. Muvofiqi natijai jalasai guzaronidashuda Kotibi Kumita boyad paynavisht tartib dihad, ki dar on raisikunandai majlis niz imzoi khudro meguzorad.

9.03. Raqamguzorii paynavishtho az ogozi soli navi moliyavi az sari nav sar karda meshavad. Dar paynavisht raqami on, sanai barguzori, ruykhati ishtirokchiyon va rasikunanda sabt gardida, inchunin khulosai masalahoi muhokimashavanda va qarori qabulgardida boyad inikos shavand.

9.04. Bagayr az qarorhoi paynavishti Kumita, kotib inchunin muvofiqi shaklhoi muqarargardida khulosai Kumitaro tibqi natijai peshnihodoti qarzi doir ba muqarrar kardani (tagyir dodani) sharthoi qarzguzorii mizoj yo hisoboti qarziro ba rasmiyat medarorad. Dar barobari in, har yak azoi Kumita, ki dar jalasa ishtirok namudaast, dar sutunchai dakhldori khulosa imzo va aqidai khudro nisbati masalai muhokimagardida sabt menamoyad.

9.05. Muvofiqi har yak masalai muhokimagardida Kumita metavonad tanho yak qarori muayyangardidaro qabul namoyad:

  • Maqul donista shudan,
  • Bo shartho maqul donista shudan,
  • Mavquf guzoshtashuda – to davrai muayyan kardani malumoti ilovagi,
  • Bargardonidan (rad kardani qabuli peshnihod).

9.06. Dar vaqti maqul donistani pardokhti qarz va sharthoi on, dar qismi duyumi peshnihod, dar on joe, ki Qarori Kumita sabt megardad, hatman hamai mavqehoi sharthoi qarz boyad nishon doda shavand.

9.07. Dar holati maqul donistan bo shartho, pardokhti qarz bo sharti tahti nazorati mutakhassisi qarzi  ijro kardani sharthoi makhsuse, ki dar sutuni dakhldori Qarori Kumita inikos megardand, amali meshavad.

9.08. Ruykhati sharthoi ilovagii pardokhti qarz metavonand gunogun boshand, chunonchi bazei az onho dar zer ovarda meshavand:

  • Az tarafi mizoj makhkam kardani hisobhoi amonati dar digar tashkilothoi qarzi bo maqsadi paydo kardani imkoniyati monitoringi harakati mablagho az tarafi Bonk,
  • Pardokhti qarz bo usuli yakchand khati qarzi, pardokhti khati qarzii minbada bo ijro kardani sharthoi peshaki az ruyi qarz (ijroi hatmii yagon shart va g.) muvofiqa karda meshavad;
  • Muqarrar kardani mahdudiyat tibqi muhlati qarzdorii debitori, muqarrar kardani talabot dar borai imkon nadoshtani qarzdorii debitorii muhlatguzashta ziyoda az davrai muayyangardida;
  • Vorid namudani nishondihandahoi muayyanshudai moliyavii nazorati (pardokhtpaziri, daromadnoki va g..), ba davrai amali namudani shartnomai qarzi;
  • Az tarafi qarzgiranda qabul kardani uhdadoriho doir ba qabuli sharthoi Bonk doir ba tashkili hisobbarobarkuni bo taminotchiyon, kharidoron va farmoishdihandagon;
  • Sanjishi harmohai taminnokii qarz dar asosi malumoti qarzgiranda dar borai baqiyai arzishhoi moddi – amvoli va kharojotho;
  • SHarthoe, ki bonk muvofiqi onho huquqi pesh az muhlat talab kardani mablagi taminnashudai qarz yo hamai qarzro sohib meshavad.

SHarthoi zerin yo pesh az dodani qarz ijro meshavand yo ba shartnomai qarzi ba tariqi uhdadorii qarzgiranda sabt karda meshavand, ki baroi ijro nakardani onho ba javobgari, ki dar shartnoma qayd megardad, jalb karda meshavad.

9.09. Rad shudani qarz dar Qarori Kumita bo nishon dodani sababhoi inkor sabt karda meshavand.

9.10. Mavqufguzorii qarz to malum shudani akhboroti ilovagi pas gardonida meshavad. Dar holati rad nashudani qarz baroi giriftani rozigi peshnihod kardani malumot va tasdiqoti ilovagi zarur meboshad.

9.11. Qarzhoero, ki mutakhassisi qarzi baroi rad kardan peshnihod menamoyad, boyad rad karda shavand, agar ba muqobili in peshnihod dar vaqti muhokima dar Kumita yagon sababhoi digari muhim paydo nashavand. Agar qaror dar borai maqul donistani on qabul shavad, khizmatrasonii qarzi mazkur ba mutakhassisi digar suporida meshavad.

9.12. Paynavishthoi jalasai Kumita dar yak nuskha dar asosi khulosahoi Kumita tibqi har yak masalai ruznomai majlis tartib doda shuda, az tarafi rasikunanda va kotib imzo karda meshavand.

9.13. Nigohdorii paynavishtho, khulosahoi Kumita va digar hujjathoi zarurii ba onho zamimagardida ba zimmai Kotibi Kumita guzoshta meshavad.

10   . MUQARRAROTI HOTIMAVI

10.01. Masalahoi faoliyati Kumita, ki bo Nizomnomai mazkur ba tanzim darovarda nashudaand, mutobiqi qonunguzorii amalkunandai Jumhurii Tojikiston, dasturu nishondodhoi Bonki millii Tojikiston, Oinnomai Bonk va digar asnodi meyorii korporativii JSP «Alif Bonk» ba tanzim darovarda meshavand.

a.                 Qaror dar borai tasdiq kardani Nizomnomai mazkur az tarafi SHuroi nozironi JSP «Alif Bonk» qabul karda meshavad.

b.               Kumita huquq dorad, ki darovardani tagyirotu ilovahoro ba Nizomnomai mazkur peshnihod namoyad. Tagyirotu ilovaho az davrai tasdiq shudani qaror dar borai darovardani tagyirotu ilovaho ba Nizomnoma dar SHuroi nozironi Bonk mavridi amal qaror doda meshavand. Bo nazardoshti tagyir dodani nomi sokhtorhoi Bonk, ki tibqi talaboti Nizomnomai mazkur bo Kumita hamkori tashkil menamoyad, dar on vaqt mumkin ast, ki darovardani islohothoi tahriri bo Raisi Bonk muvofiqa karda shavand.

ZAMIMAHO (namunahoi shaklhoi muqarranamuda baroi purkuni)

ZAMIMAI № 1 –        peshnihodi qarzi baroi dodani qarz bo khulosai Kumitai qarzii Bonk.

ZAMIMAI № 2 –        Peshnihodi qarzi baroi tagyir dodani sharthoi munosibathoi qarzi bo qarzgirandabo khulosai Kumitai qarzii Bonk.

ZAMIMAI № 3 –        Paynavishti jalasai Kumitai qarzii Bonk.

ZAMIMAI № 4 –        Qarori Kumitai qarzii Bonk doir ba masalahoi dodani vakolatho ba Kumitahoi qarzii sathi poyoni.

ZAMIMAI № 5 –        Qarori Kumitai qarzii Bonk muvofiqi natijai barrasii hisobothoi qarzi.

ZAMIMAI № 6 –        Peshnihodoti Kumitai qarzii Bonk  doir ba masalhoi darovardani tagyirotu ilovaho ba Siyosati qarzii Bonk.

ZAMIMAI № 7 –        SHakli hisoboti dar borai natijai faoliyati Kumitai qarzii Bonk .

 

 

 

 

 

 

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