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NIZOMNOMA OID BA QARZGUZORI

MUNDARIJAI NIZOMNOMAI QARZGUZORI

  1. Muqarraroti umumi
  2. Maqsad va namudi qarzhoi peshnihodshavanda
  3. Naqsh va vazifahoi korshinosi karzi
  4. Marketing
  5. Darkhosti qarzi
  6. Tahlili moliyavii qarzgiranda
  7. Taminot bo garav
  8. Barasmiyat darovardani garav
  9. Peshnihodi qarzi baroi barrasi ba kumitai qarzi
  10. Qabul namudani qarorho dar kumitai qarzi
  11. Barasmiyat darovardani shartnomahoi qarzi va hujjatho
  12. Peshnihodi qarz
  13. Namudhoi monitoring va tartibi guzaronidani onho
  14. Az nav dida baromadani sharthoi qarz
  15. Ba shakhsi digar suporidani sanduqi qarzi
  16. Omuzonidani koromuzho
  17. Nizomi darajabandi
  18. Muqarraroti khotimavi
  19. Zamimaho

qarzguzori

MUQARRAROTI UMUMI

Nizomnoma «Oid ba qarzguzori dar JSP “Alif Bonk» (minbad Nizomnoma) qoida, tartibot, meyorhoi judo namudani qarzro ba Bonkhoi tijorati, (shakhsoni huquqi) sohibkoroni infirodi va shakhsoni voqei muayyan menamoyad. Nizomnomai mazkur, bo nazardoshti talabothoi Dasturamalhoi № 176 «Dar borai tartibi tanzimi faoliyati Bonkhoi qarzi”, №186 “Dar borai tartibi dodani qarz va hisobkunii foiz dar Bonkhoi qarzi” va Siyosati qarzii JSP «Alif Bonk» (minbad Bonk) tahiya shudaast. Maqsadi tahiyai nizomnoma rasidan ba hadafhoi guzoshtashuda dar samti qarzguzori meboshad. Dar Nizomnomai mazkur sharthoi asosii qarzguzori va faoliyati asosii kormandoni qarzi darj gardidaast, ki har yak shakhsi masuli Bonk uhdador ast onhoro rioya namoyad. Dar Nizomnomai mazkur  mafhumhoi asosii zerin istifoda meshavand:

Qarz chist? – mablagi pulie, ki az jonibi Bonk ba qarzgir bo sharthoi muhlatnoki, pardokhti foiz va bargardonidan doda meshavad.

Inchunin uhdadorihoi zerin ba mafhumi «qarz» barobarkardashuda hisobida meshavad:

a) kafolatho va hamai digar uhdadorihoi gayritavozunii ba onho monand, ki Bonk ba shakhsoni digar sodir kardaast;

b) overdraftho;

v) akkreditivho (bo nazardoshti mablagguzorii minbada);

g) amaliyoti ijorai moliyavi (lizing);

d) qarzhoi ipoteki, istemoli;

e) korthoi qarzii bonki;

j) hama guna uhdadorii qonuni oid ba dodani qarz;

Istifodabarandagoni Nizomnoma

          Nizomnoma baroi korshinosoni qarzi va kormandoni Bonk, ki dar samti qarzguzori ba kor jalb shudaand, ravona shudaast. Nizomnomai mazkur tartib va meyorhoi tashkili kori bakhshhoi qarzii vohidhoi amaliyotii Bonkro tajassum menamoyad.

Prinsiphoi  qarzdihi

          Hangomi judo namudani qarz, rioya namudani prinsiphoi zerin zarur meboshad:

a) Masalai judo namudani qarz, boyad dar zaminai malumotho doir ba sohai faoliyat va maqsadi qarz surat girifta, hamai mekhanizmi minbadai barrasii darkhost ba on takya namoyad. Binobar in, dar doirai tartiboti judo namudani qarz, ki dar Nizomnomai mazkur ovarda shudaast, khudi Bonk (korshinosi qarzi) malumothoro doir ba qarzgiranda va manbai daromadi u jamovari namuda, durustii onro taftish menamoyad. Dar barobari in, Bonk mustaqilona malumothoro jamovari namuda, sath va durustii in malumothoro sanjida, sathi khavfhoi minbadaro baroi qarzguzori namudan, baandozae past menamoyad.

b) Boyad qarori judo namudani qarz dar zaminai purrai qobiliyati pardokhtpaziri doshtan va dar asosi malumothoi jamovari shuda, tahlil namudani khavfhoi qarzgir va manbai daromadi u, qabul karda shavad.

v) Hej goh garav naboyad az qobiliyati qarzpardozi doshtan bolotar guzoshta shavad. Vale zarur ast, ki hangomi intikhob va narkhguzori (bahoguzori) namudani taminot bo garav diqqati jiddi doda shavad.

g) Muvofiqi Nizomnomai mazkur, har yak korshinosi qarzi baroi sath va sifati sanduqi qarzii khud javobgar meboshad.

Talabot nisbat ba qarzgirandagon

            Muvofiqi qonunguzorii Jumhurii Tojikiston, qarzgirandagon boyad shakhsoni voqei, sohibkoroni infirodi va yo shakhsoni huquqi boshand, ki ba talabothoi zerin javobgu hastand:

a) SHakhsi voqei ba shahrvandi (-oni) Jumhurii Tojikiston mansub boshad;

b) SHakhsi huquqi ba  shahrvandi (-oni) Jumhurii Tojikiston mansub boshad va az jonibi u (onho) idora karda meshavad. Dar holate, ki agar shakhsi huquqi qisman ba shahrvandi khoriji yo khud shirkati khoriji (gayri rezident) taalluq dorad, ba sharte, ki agar sharik hissaero, ki na beshtar az 49% -ro tashkil medihad, sohib boshad;

v) Foizi umumii huquqi sohibmulkii davlati doshtan ba shakhsi huquqi  nametavonad az 49 % beshtar boshad. Dar barobari in, davlat bo rohbarii hamaruza mashgul nest va huquqi bartariyatnoki idorakunii faoliyati shakhsi huquqiro sohib nameboshad;

g) SHakhsi huquqi/sohibkor boyad tajribai haddi aqali semohai peshbarii kori tijoratero doshta boshad, ki doir ba mablagguzorii on sukhan meravad;

g) Tijorate, ki doir ba mablagguzorii on sukhan meravad, boyad jarayoni hameshai puli doshta boshad (na kamtar az du marotiba dar yak moh)

d) Qarzgiranda boyad sohibi tijorat boshad, yo khud ba sifati rohbar az nomi azoi oilai darajai yakum, ki sohibi tijorat meboshad, kor kunad;

e) SHakhsi huquqi/sohibkor boyad hamai hujjathoi zaruriro (ijozatnoma, shahodatnoma, sertifikat va gayraro) baroi pesh burdani tijorat, ki muvofiqi qonunguzorii Jumhurii Tojikiston zarur meboshand, doshta boshad.

yo) Faoliyati shakhsoni huquqi ba muhiti zist tasiri nazarras ?;

j) Ba gayr az in, peshnihodi qarz ba chunin namudi faoliyatho qatiyan man ast:

– Istehsol yo furushi yaroq va lavozimoti harbi;

– Istehsol yo furushi muina va hayvonote, ki nest shuda istodaand;

– Kazino va qimor;

– Qalobi bo asor;

– Pardokht namudani qarz dar nazdi digar Bonkhoi qarzi (bonk) (gayr az holatho baroi ruypush kardani qarzi jori dar digar bonk baroi mizojoni tarikhi khubi qarzi doshta), shakhsoni huquqi, voqei va qarzhoi kreditori.

  1. MAQSAD VA NAMUDI QARZHOI PESHNIHODSHAVANDA

Maqsadi qarz

Qarzro metavon baroi ehtiyojoti istemoli, faoliyati tijorati, korkard va istehsoli mahsulot, khizmatrasoni va savdo, inchunin sohai kishovarzi bo maqsadhoi zerin judo namud:

            a) kharid namudani mebel va jihozhoi khona;

            b) bahri  kharojothoi zaruri (pardokhti khizmathoi giriftashuda, guzaronidani chorabinii oilavi, tamiri khona va g.);

            v) kharojothoi rohkiro baroi berun az qalamravi jumhuri ba muhojirati

                mehnati raftan;

            g) baroi kharidani rohkhati sayyohi;

            g) baroi kharidani chiptahoi havopaymoi;

            d) baroi pardokhti kharojotho vobasta ba omuzish dar muassisahoi talimi;

            e) ziyod namudani vositahoi gardon, bo hatman darj namudan va manidod

                kardani istifodabarii vositahoi gardon;

            yo) ziyod namudani vositahoi asosi, bo hatman darj namudan va manidod

                namudani vositahoi asosii kharidori shavanda;

            j) baroi korkard va istehsoli mahsuloti javobgui bozori dokhili va khoriji;

            z)  baroi kishtukor va parvarishi mahsulothoi kishovarzi.

Muhlati qarzhoi peshnihodshavanda

Kutohmuddat – qarzhoi muhlatashon to 12 moh
Miyonamuddat – qarzhoi muhlatashon az 12 moh to 36 moh
Darozmuddat  qarzhoi muhlatashon ziyoda az 36 moh

Namudi qarzhoi peshnihodshavanda

Dar doirai Nizomnomai mazkur Bonk se namudi qarzhoro az rui hajm peshnihod menamoyad:

Qarzhoi khurdtarin va khurd ba mablagi to 400 000 somoni va/yo muodil bo digar asorho;

Qarzhoi miyona ba mablagi az 400 001 to 800 000 somoni va yo muodili bo digar asorho;

Qarzhoi kalon ba mablagi beshtar az 800 001 somoni va yo muodili bo digar asorho.

Qarzhoi khurdtarin va khurd

            Qarzhoi khurdtarin dar doirai mahdudiyathoi zerin metavonand az jonibi

korshinosoni qarzi barrasi shavand:

a) Korshinosoni qarzie, ki dar sohai qarzdihii khurdtarin tajribai korii kamtar az shash moha dorand, metavonand ba mablagi to 5000 (panj hazor) dollari IMA qarz peshnihod namoyand va dar muddati shash mohi kori boyad sanduqi qarzii na kamtar az 500 000 (panjsad hazor) somoni va yo muodili on bo digar asorro tashkil dihand bo miqdori na kamtar az 40 qarzgiranda;

Vobasta ba donishu malakai korshinosi qarzii vohidi amaliyoti bo peshnihodi Mudiriyati rushdi khizmatrasonihoi bonki mumkin ast, ki mablagi muayyanshuda baroi peshnihodi qarz tagyir doda shavad.

b) Korshinosoni qarzie, ki dar sohai qarzdihii khurdtarin tajribai korii beshtar az shash moh dorand, metavonand qarzhoi khurd ba mablagi to 20 000 (bist hazor) dollari IMA peshnihod namoyand, ba sharte, ki agar dar tuli shash mohi avvali faoliyati khesh ba khatogiho roh nadoda boshand va donishu malakai lozimiro sohib gashta boshand. Haddi aqali sanduqi qarzii onho dar tuli 12-moh boyad na kamtar az 1 200 000 (yak millionu dusad hazor) somoni va yo muodili on bo digar asorro tashkil dihad. Dar in mavrid tavsiyai namoyandai SHubai rushdi khizmatrasonihoi bonki, ki sarparastii vohidi amaliyotiro ba uhda dorad, boyad girifta shavad. Hamzamon hangomi ba korshinosi qarzi muqarrar namudani salohiyati mustakilona baroi guzaronidani tahlili moliyavi-khojagidorii qarzgiranda, guzashtani darsi makhsusi tahiyashuda(M1) hatmi meboshad.

Qarzhoi miyona

            Qarzhoi miyona metavonad az jonibi korshinosi qarzie barrasi karda shavad, ki dar sohai qarzdihii khurdtarin va khurd tajribai korii beshtar az duvozdah moha doshta, sohibi donishu malakai lozimi boshad, ba sharte, ki agar dar tuli duvozdah mohi avvali faoliyati khesh ba khatogiho roh nadoda boshad. Dar in mavrid tavsiyai namoyandai SHubai rushdi khizmatrasonihoi bonki, ki sarparastii vohidi amaliyotiro ba uhda dorad, boyad girifta shavad. Hamzamon hangomi ba korshinosi qarzi muqarrar namudani salohiyati mustakilona baroi guzaronidani tahlili moliyavi-khojagidorii qarzgiranda, guzashtani darshoi makhsusi tahiyashuda(M1-M2) hatmi meboshad.

            Dar in shakli qarzdihi namud va tartibi tahlil az tahlile, ki hangomi judo namudani qarzhoi khurdtarin va khurd guzaronida meshavand, tafovut dorad. Malumothoi yak chand davra, haddi aqal duvozdah mohi okhir, boyad baroi tahlili qiyosii rushdi tijorat istifoda shavand.

Qarzhoi kalon

            Qarzhoi kalon metavonad az jonibi korshinosi qarzie barrasi karda shavand, ki dar sohai judo namudani qarzhdihi tajribai korii na kamtar az hajdahmoha doshta, sohibi donishu malakai lozimi boshad, ba sharte, ki agar dar davrai faoliyati khud ba khatogiho roh nadoda boshad. Dar in mavrid tavsiyai namoyandai SHubai rushdi khizmatrasonihoi bonki, ki sarparastii vohidi amaliyotiro ba uhda dorad, boyad girifta shavad. Hamzamon hangomi ba korshinosi qarzi muqarrar namudani salohiyati mustaqilona baroi guzaronidani tahlili moliyavi-khojagidorii qarzgiranda, guzashtani darshoi makhsusi tahiyashuda (M1-M3) hatmi meboshad.

          Sarchashmai shakl va tartibi tahlili qarzhoi kalon, tartiboti tahlili qarzhoi miyona meboshad, vale ba tavri ilovagi tahlili peshguikunandai nishondihandahoi tijorat dar davrai amali qarz, istifoda meshavand.

          Bo maksadi durust idora kardani sanduqi qarzi tavsiya doda meshavad, ki miqdori qarzho dar sanduqi qarzii yak korshinosi qarzi naboyad az 300 (sesad) adad ziyodro tashkil dihad.

  1. NAQSH VA VAZIFAHOI KORSHINOSI QARZI

 

          Dar rafti jarayoni qarzi korshinosi qarzi baroi hamai davrai qarzi javobgarii purraro ba dush dorad. U purra baroi natijahoi kori khud, baroi hajm, sifati sanduqi qarzii khud, mazmun va durustii parvandahoi qarzi javobgar meboshad.

Vazifa va uhdadorihoi asosii korshinosi qarzi iborat ast az:

a) guzaronidani marketingi mahsulothoi qarzi va digar mahsulothoi Bonk  dar bayni qarzgirandagoni jori, potensiali va nav;

b)  kumak rasonidan ba qarzgirandagon baroi omoda sokhtani darkhosti qarzi;

v) guzaronidani tahlili purrai qarzi, bo nazardoshti tashrif ovardan ba mahalli tijorati qarzgiranda va mahalli zist;

g) muvofiqi Nizomnomai mazkur, peshnihod namudani qaror doir ba qarz ba              Kumitai qarzii sathi dakhldor;

g) ba tavri lozimi amali sokhtani barasmiyatdarorii huquqi va dar yakjoyagi bo kormandi tahiyakunandai qarzho peshnihod kardani qarz (agar dar shuba/bakhshi mazkur chunin basti kori mavjud boshad);

d)  monitoringi istifodabari va pardokhti qarz;

e) muvofiqi Nizomnomai mazkur peshnihod va ijro namudani meyorhoi hatmi baroi pardokhtani qarz va foizhoi on, jarimaho, va gayra.

 

  1. MARKETING

Muqarraroti umumi

          Marketing qismi muhimi kori korshinosoni qarzi muvofiq ba uhdadorihoi vazifaviashon meboshad. Korshinosi qarzi baroi marketingi mahsulothoi qarzi va digar mahsulothoi bakhshi qarzi javobgar ast. Marketingi mustaqim, chun namudi az hama muhimi faolnokii korshinosi qarzi, qadami nakhustin dar ravandi intikhobi qarzgiranda meboshad. On boyad chunon ba naqsha girifta, guzaronida shavad, ki ba korshinosi qarzi imkoniyat dihad diqqati khudro ba kor bo qarzgirandagoni potensiali ravona sozad. Ba gayr az qarzgirandagoni bevosita ba Bonk murojiatkunanda, korshinosi qarzi boyad marketingi mustaqimro dar mahalli faoliyati khesh guzaronad. Boyad hamai faoliyati marketingii korshinosi qarzi bo rohbarii bakhshi qarzi, bo maqsadi muvofiqakunonii darkhosthoi voridshavanda baroi judo namudani qarz bo imkoniyathoi mavjuda, muvofiqa karda shavad. Agar korshinosi qarzi imkoniyat nadoshta boshad, ki binobar sababi mahdud budani vaqt va / yo digar sababhoi obektivi, darkhosthoi baroi judo namudani qarz intikhob shudaro korkard namoyad, pas onho boyad ba korshinosoni qarzii nisbatan kamkortar doda shavand.  Dar chunin holatho, boyad korshinosi qarzii yakum tadbirhoi zaruriro andeshida, ba tavri lozimi qarzgirandai kheshro khabardor sozad.

Usulhoi marketingi mustaqim

          Marketingi mustaqim, in manoi onro dorad, ki korshinosi qarzi robitai bevosita bayni qarzgirandagoni potensiali va korshinosoni qarzi dar mintaqai sokhtori Bonk doshta boshand.

CHunin robitaro metavon dar holathoi zerin barqaror namud:

a) Hangomi tashrif ovardan ba Bonkho va korkhonahoi alohida, dar mahalli tijorat, masalan, dar bozorho va markazhoi tijorati;

b) Hangomi tashrif ovardan ba khojagihoi manzilii alohida dar mahallahoi istiqomati;

v) Dar rafti muarrifi (prezentatsiya) namudan ba aholi dar bozorho va yo khud dar mahallahoi istiqomati;

g) Ba vositai pahn namudani mavodhoi (buklethoi) reklamavi;

d) Bo rohi muoshirati bevosita;

e) Tavassuti tavsiyahoi digar qarzgirandagoni Bonk va gayra.

          Dar rafti chunin robitaho qarzgirandagoni potensiali, boyad doir ba Bonk va mahsulothoi on malumot girand. Marketingi mustaqim, inchunin metavonad malumothoi telefoni va khattiro dar bar girad.

  1. DARHOSTI QARZI

Muqarraroti umumi

          Qarzgiranda metavonad baroi giriftani qarz ba vohidi amaliyotii Bonk, dar vaqti kori/hangomi soati qabuli qarzgirandagon, yo khud dar vaqti faoliyati marketingi yo dar rafti muloqothoi shakhsi ba korshinosoni qarzi murojiat namoyad. Qarzgirandagoni ba vohidi amaliyotii Bonk murojiat namuda, ba bakhshi qarzi firistoda meshavand, ki dar on jo bo onho korshinosi qarzie, ki baroi mahalli faoliyatash masul ast, kor mebarad. Hamai darkhostho baroi giriftani qarzho, novobasta az on, ki az rui darkhost chi guna 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 rozi hastand, ki malumothoi onho doir ba tarikhi qarz ba Byuroi tarikhi qarzi peshnihod karda shavand.

Guzaronidani suhbat hangomi peshnihod namudani darkhost

Bad az marketing, qadami navbati baroi intikhobi Qarzgirandagoni potensiali, qobiliyati qarzpardozi doshta va ikhtisor namudani Qarzgirandagoni qobiliyati qarzpardozi nadoshta, hangomi suhbat (skrining) meboshad. Hangomi guzaronidani suhbati ru ba rui (skrining) nakhustin bo Qarzgiranda, korshinosi qarzi boyad etimod hosil kunad, ki:

       a)  khohishi giriftani qarz jiddi ast;

       b) oyo qarzgiranda ba hamai talabothoi dar bandi 1-i Nizomnomai mazkur darj gardida javobgu meboshad;

       v) qarzi darkhostshavanda ba hamai talabothoi namudi qarzhoi peshnihodshavanda va sharthoi qarzdihi, ki dar bandi 2 – i Nizomnomai mazkur darj gardida, javobgu meboshad;

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

       g) qarzgiranda va sohibi shinosnoma ba aksi dar on buda mutobiqat mekunad;

       d) shinosnoma va digar hujjatho haqiqiand;

       e) maqsadi qarz va tijorati qarzgiranda muvofiqat mekunand;

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

Hangomi rioya shudani hamai talabothoi avvalin, korshinosi qarzi boyad ba qarzgiranda fahmonad:

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

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

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

       g) Usuli darajabandi;

       g) Zarurati peshnihod namudani hamai malumothoi moliyavi;

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

       e) 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;

       yo) Korshinosi 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, korshinosi qarzi ba qarzgiranda namudi dakhldori darkhosti qarziro medihad (Zamimai №1 baroi shakhsoni voqei, Zamimai 2(a)baroi sohibkoroni infirodi va Zamimai №2 (b) baroi shakhsoni huquqi).

Korshinosi 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. Korshinosi qarzi boyad ba 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, korshinosi qarzi boyad:

a) parvandai qarzii qarzgirandaro omoda kunad va kushoyad;

b) darkhosti qarziro bo zamimaho dukhta monad;

v) bo kumaki hamkoronash az digar bonkho/Bonkho va filialho, bo istifoda az «ruykhati siyoh», ruykhat oidi taboduli malumotho doir ba qarzdoroni jori va malumothoe, ki dar Nizomi Barnomavii Bonk (minbad NBT) yo dar Byuroi tarikhi qarzi mavjud meboshand, bovari hosil namoyad, ki oyo qarzgiranda ayni zamon qarzi jori dorad 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 №3 bo tartibi zayl surat megirad:

  • to 20 000 somoni – 2 ruzi kori;
  • az 20 001 to 50 000 somoni – 5 ruz;
  • az 50 001 to 250 000 somoni – 9 ruz;
  • az 250 001 to 500 000 somoni – 12 ruz;
  • az 500 001 somoni ziyod – 15 ruzi kori.
  1. TAHLILI MOLIYAVII QAZGIRANDA

Tartibi guzaronidani tahlili moliyavii qarzgiranda va tijorati u, uhdadori va sarmoyai khudi, daromad va kharojotho – hisobot doir ba foida va ziyonho, harakati vositahoi pulii qarzgiranda va khojagii manzilii u dar asosi kitobi omuzishi (rohnamo-«Tartibi tahlili moliyavi va khojagidorii qarzgir») baroi korshinosoni qarzi guzaronida meshavad.

  1. TAMINOT BO GARAV

Siyosat va tartiboti taminot bo garav

            Garav naboyad az qobiliyati qarzpardozii qarzgiranda bolotar guzoshta shavad. Dar doirai Nizomnomai mazkur, khavfi qarzi boyad novobasta az mavjudiyat, hajm va sifati taminoti qarz, bahoguzori karda shavad. Qarz na tanho dar asosi yak taminoti garav, balki bo garavhoi omekhta niz dastgiri gardida, doda shavad.

Taminot bo garav tanho ba maqsadhoi zerin istifoda meshavad:

a) Tamin namudani qarz bo manbai voqeii duyumdarajai ijroi uhdadori;

b) Kam kardani khavfi ijro nagardidani uhdadorii mizoj dar nazdi Bonk;

v) Baroi majbur namudani qarzgiranda to, ki sharthoi shartnomai qarziro rioya namoyad;

g) Baroi on, ki Bonk tavonad khavfhoi boqimondaro ruypush namoyad;

g) Baroi rioya namudani talaboti dasturamalhoi amalkunanda;

e) Dar beshtari holatho ba sifati garav metavonad amvoli manqul va gayrimanquli qarzgiranda, oila va kafolatdehi u istifoda shavad.

Namudho va bahoguzorii amvolhoi ba garav peshnihodshuda

Dar holate, ki Kumitai qarzi dar tijorati qarzgiranda va/yo khudi qarzgiranda khavfi nachandon kalonro mushohida menamoyad va inchunin dar holate, ki garavi peshnihodshuda ba tavri purra talabothoi Nizomnomai mazkur va Kumitai qarziro qone namegardonad, qarz ba tavri ilovagi bo shartnomai zamonati/maktubi kafolati (Zamimai №4) boyad tamin karda shavad. SHakhsi zamonatdeh boyad obruyu etibori khub, daromadi doimii moliyavi va munosibati doimii zich bo qarzgiranda doshta boshad.

Dar doirai Nizomnomai mazkur, bo mahdudiyathoi muayyan, namudhoi zerini garav va kafolatdihi/zamonat qabul karda meshavand:

Namudhoi qarz Namudhoi garav / taminot
 

 

 

 

Qarzhoi to 25 000 somoni yo muodili  on bo digar asorho

§  Amvoli manqul(ashyoi khona, molhoi dar gardishbuda va gayra);

§  Zamonati na kamtar az 1-2 shakhsi voqei va yo huquqi (dar holati zaruri), ki manbai daromadi onho dar mavridi zaruri baroi ijroi uhdadorihoyashon kifoya meboshad (qobiliyati qarzpardozii  zomin boyad bo tavri mushakhkhas tahlil karda shavad);

§  Vositahoi puli (muhosira kardani (blokirovka) hisobi depoziti) (dar holati mavjud budani imkoniyati qarzgiranda);

§  Masnuoti tillovori (dar holati mavjud budani imkoniyati qarzgiranda, hadi aqqal 20% az hajmi mablagi qarz).

Qarzhoi az 25 000 somoni to 80 000 soomni yo muodili  on bo digar asorho §  Amvoli gayrimanqul, bo barasmiyat darovardani shartnomai garav dar idorai notariali (dar holati zaruri inchunin bo talabi Kumitai qarzi);

§  Amvoli manqul(ashyoi khona, molhoi dar gardishbuda va gayra);

§  Zamonati na kamtar az 1-2 shakhsi voqei va yo huquqi (dar holati zaruri), ki manbai daromadi onho dar mavridi zaruri baroi ijroi uhdadorihoyashon kifoya meboshad (qobiliyati qarzpardozii  zomin boyad bo tavri mushakhkhas tahlil karda shavad);

§  Vositahoi puli (muhosira kardani (blokirovka) hisobi depoziti) tillovori (dar holati mavjud budani imkoniyati qarzgiranda);

§  Masnuoti tillovori (dar holati zaruri va na kamtar az 30 % az hajmi mablagi qarz)

 

 

 

Qarzhoi ziyoda az 80 001 somoni yo muodili on bo digar asorho

§  Amvoli gayrimanqul, bo barasmiyat darovardani shartnomai garav dar idorai notariali;

·      Vositahoi puli (muhosira kardani (blokirovka) hisobi depoziti) (dar holati mavjud budani imkoniyati qarzgiranda);

·      Masnuoti tillovori (dar holati zaruri);

·      Kafolati bonki va /yo digar Bonkhoi qarzi;

·       Amvoli manqul (ba sifati garavi ilovagi).

 

Meyori minimalii taminnoki boyad ba talabothoi Tartibi bahoguzorii amvolhoi ba sifati taminoti garav peshnihodshuda dar JSP «Alif Bonk»javobguy boshad.

Arzishi barhamdihii (pardokhtpazirii) amvoli garav boyad az hajmi mablagi qarz ziyod boshad va in mutanosibi dar Tartibi bakhoguzorii amvolkhoi ba sifati taminoti garav peshnikhodshuda dar JSP «Alif Bonk»ovarda shudaast.

Hamai namudhoi garav, ba istisnoi masnuoti tillovori, boyad az jonibi Bonk bahoguzori shavand. CHun qoida, taminoti garavi az jonibi maqomoti makhsus – komissiya, ki haddi aqal az se nafar azo – korshinosi qarzie, ki darkhosti qarzgirandaro barrasi menamoyad, rohbariyati vohidi amaliyotii Bonk (sardor va/yo jonishini sardor va/yo rohbari bakhshi qarzi) va namoyandai filial yo Saridorai Bonk (dar holate, ki hajmi mablagi qarz az vakolathoi Kumitai qarzii vohidi amaliyoti yo mutobiqan filiali boloii Bonk beshtar boshad) iborat meboshad, bahoguzori meshavad. Tashkhisi masnuoti tillovorii ba sifati garav peshnihodshuda, tibqi Tartibi bahoguzorii amvolhoi ba sifati taminoti garav peshnihodshuda dar JSP «Alif Bonk» guzaronida meshavad. Garav, ba istisnoi masnuoti tillovori bo arzishi pardokhtpazir / haddi aqali arzishi bozori bo nazardoshti guzasht / diskont arzyobi meshavad. Ba tavri digar guem, dar vaqti majburan sitonidani qarz, bo rohi ba savdo guzoshtani amvoli garav, Bonk tavonad dar muddati na beshtar az 1–3 moh onro ba hisobi pardokhti qarz va mablaghoi ba on vobasta furushad.

Huquqhoi Bonk ba garav, boyad nisbat ba huquqhoi shakhsoni digari ba qarzgiranda qarz doda, avvalindaraja boshand.

Tarkib va sokhtori taminoti garav

Namudi garav Mahdudiyat dar sokhtori umumii garav, az rui miqyos
1 Garavi ustuvor (amonatu pasandoz, masnuoti tillovori, amvoli gayrimanqul)  

Tibki “Tartibi bahoguzorii amvolhoi ba sifati taminoti garav peshnihodshuda dar JSP «Alif Bonk»

2 Amvoli manqul (tajhizot, moshinhoi borkash va sabukrav )
  1. BARASMIYAT DAROVARDANI GARAV

Zamonatdihii shakhsoni voqei va shakhsoni huquqi

            Hangomi barasmiyat darovardani shartnomai zamonati, korshinosi qarzi boyad meyorhoi asosii zerinro rioya namoyad:

a) SHakhsi zomin naboyad na dar davrai peshnihod namudani darkhosti qarzi, na dar davrai amali qarz va shartnomai zamonati, dar nazdi Bonk va yo digar Bonki moliyavi qarzdor boshad. SHakhsi zomin naboyad na dar davrai peshnihod namudani darkhosti qarzi, na dar davrai amali qarz va shartnomai zamonati (zamimai №4), ijro namudani digar uhdadorihoro ba zimma girad.

b) SHakhsiyati zomin bo hamon tartibote, ki shakhsiyati qarzgiranda tasdiq karda shudaast, muayyan karda meshavad.

v) Dar holati zaruri mumkin ast guzaronidani tahlili purrai zomin talab karda shavad. CHunin tahlil, az rui qoida va tartibote, ki tahlili qarzgiranda guzaronida shudaast, surat megirad.

g) Zomini dar barobari ba itmom rasidai uhdadorihoi taminnamudai zomin, ba poyon merasad.

d) Imzo guzoshtan ba SHartnomai zamonati, boyad dar binoi Bonk va hatman bo ishtiroki korshinosi qarzii baroi in qarz masul, surat girad.

Garavi vositahoi puli

Dar doirai in Nizomnoma pasandozho va amonatho metavonand ba sifati garav qabul karda shavand. Pasandozho metavonand ba sifati garav qabul shavand, agar:

a) Pasandozho to lahzai az jonibi Kumitai qarzi dastgiri yoftani qarzi judo shavanda, allakay dar vohidi amaliyotii Bonk va yo digar Bonku bonkhoi vatani, joygir shuda boshand.

b) Dar davrai amali SHartnomai garavi vositahoi puli (Zamimai №5), qarzgiranda ba pasandoz va yo amonati guzoshtashuda dastrasi doshta nametavonad (hisobi amonati basta meshavad).

v) Az rui pasandozi guzoshtashuda, ba qarzgiranda tanho foizi pasandoz, doda meshavad.

Az muhosira ozod namudani mablagi pasandozi ba sifati taminoti qarz guzoshtashuda, tanho badi pardokhti purrai uhdadoriho az tarafi mizoj guzaronida meshavad, yo dar kholatkhoi zaruri az khisobi mablagi pasandoz karz pardokht karda meshavad. Dar har surat hangomi joygir budani pasandoz dar nizomi Bonk az muhosira ozod namudani pasandoz dar muvofiqa bo SHubai rushdi khizmatrasonihoi bonki, guzaronida meshavad. Tasdiqnoma doir ba basta shudani hisob, boyad dar parvandai qarzii qarzgirandai dakhldor dukhta shavad.

Ba sifati garav dar shakli amonat giriftani qisme az vositahoi qarzii ba qarzgiranda doda shuda, qatiyan man ast.

Masnuoti tillovori va / yo javohirot

Tibqi “Tartibi bakhoguzorii amvolkhoi ba sifati taminoti garav peshnikhodshuda dar JSP «Alif Bonk» dar doirai Nizomnomai mazkur, masnuoti tillovori bo tartibi zerin metavonand ba sifati taminoti garavi qabul karda shavand, dar surate, ki agar onho baroi nigahdori ba Bonk ba sifati garav az rui qarz suporida shavand:

a) Sifat va vazni masnuoti tillovori boyad az jonibi Namoyandagoni Idorai Iyorgarii Vazorati moliyai CHumkhurii Tochikiston, zargari ikhtisosmand bahoguzori shavad, ki bo u vohidi amaliyotii Bonk doir ba peshnihod namudani khizmatrasoniho ba qarzgirandagoni Bonk shartnoma bastaast va yo jamiyathoe, ki doroi ijozatnomai makhsus hastand, bahoguzori karda shavad. Az rui natijahoi bahoguzori namudai zargar, Sanadi bahoguzori ba masnuoti tillovori tartib doda meshavad (Zamimai №6) va az tarafi zargar, sohibi masnuoti tillovori (garavdeh) va korshinosi qarzie, ki dida baromadani darkhosti qarzii mazkurro ba zimma dorad, imzo guzoshta meshavad. Sanadi tartibdodashudai az jonibi hamai tarafho imzogardidai masnuoti tillovori, ba khazinai Bonk suporida shuda, nuskhai in Sanad dar yakjoyagi bo orderi voridoti gayritavozuni, dar parvandai qarzii qarzgiranda dukhta meshavad.

b) Boyad bahoguzori hatman dar huzuri korshinosi qarzi va sohibi masnuoti tillovori, bo nazardoshti arzishi metalli masnuoti ba garav guzoshtashavanda va dar asosi sifat va vazni metal (tillo) guzaronida shavad. Bahoguzori naboyad arzishi badeii masnuot va / yo sanghoi qimmatbahoro ba inobat girad.

v) Masnuoti tillovori boyad dar ganjkhonai vohidi sokhtorii amaliyotii Bonk, mahfuz nigoh doshta shavand.

g) Az rui natijahoi in, SHartnomai ba garav guzoshtani masnuoti tillovori barasmiyat darovarda meshavad (Zamimai №7).

Kafolati bonkho, Bonkhoi qarzi va Bonki sugurta

          Bonk metavonad kafolati digar bonkho yo Bonkhoro (minbad Bonkho) qabul namoyad:

a) In Bonkho metavonand vatani va khoriji boshand. Tanho kafolatdihii on Bonkhoe qabul karda meshavand, ki sathi balandi obruyu etibor va boetimodi, inchunin haddi aqal dar se soli okhir, vazi moliyavii musbiro sohib boshand, ki on bo hajmi mablagi kafolat qiyosshavanda boshad.

b) Qabul namudani kafolat az Bonkho, tahlili chuquri guzashta, hozira va oyandai qobiliyati qarzpardozi doshtani onhoro dar asosi malumothoi boetimodi hamajoniba taftish shudai moliyavie, ki tasavvuroti purra va durustro doir ba vazi moliyavii Bonk medihad, talab menamoyad.

v) Tahlili chuqur, guzaronida shudani tahlili miqdori va sifatiro talab menamoyad. On boyad az jonibi korshinosi qarzii Bonk guzaronida shavad.

g) Kafolat boyad kafolatdehro vazifador namoyad uhdadorihoyashro be chunu charo va bodavati yakum, ijro namoyad.

g) Kafolat boyad hamai talabothoi jori va oyandai Bonkro nisbat ba qarzgiranda, vobasta ba qarzi giriftai u, ruypush namoyad. In makhsusan ba qarzi asosi, foizho, jarimaho va digar talabotho dakhl dorad.

d) Kafolat boyad az jonibi namoyandai vakolatdori Bonk ba imzo rasad,

e) Dar holati zaruri va bo qarori Kumitai qarzi, on boyad az jonibi notarius tasdiq karda shavad.

Amvoli manqul

Namudi amvoli manquli qarzgiranda – darkhostdihanda va/yo shakhsi seyum, ki dar bozor talabot dorand (pardokhtpazirand), bo tartibi zerin metavonad ba sifati garav qabul karda shavad:

a) Korshinosi qarzi boyad ba on bovari hosil namoyad, ki amvoli manqul, ba shakhsi qarzgir yo khud ba oilai u taalluq dorad. Ba sifati hujjathoi tasdiqkunanda, metavonand sanadi rasid doir ba kharidori namudan yo varaqai kafolatdihi, izhorotnomai gumruki yo khud ba tavri khatti tasdiq namudan / guvohi dodani shakhsoni seyum, istifoda shavand.

b) Ruykhat va arzishi narkhguzorishudai amvoli ba garav guzoshtashuda, boyad dar Zamima ba shartnomai ba garav guzoshtani amvoli manqul (Zamimai № 8(a)), darj gardand.

Avtomobilho

Tashkhisi garavii vositahoi naqliyoti tibqi “Tartibi bakhoguzorii amvolkhoi ba sifati taminoti garav peshnikhodshuda dar JSP «Alif Bonk»guzaronida meshavad. Dar holathoe, ki ba sifati taminoti garav vositai naqliyot peshnihod megardad, zarur ast, ki:

a) Baroi tasdiq namudani huquqi sohibmulki ba vositai naqliyot, boyad darkhostdihanda shinosnomai tekhnikii vositai naqliyotero, ki ba sifati taminoti garav peshnihod meshavad, peshkash namoyad.

b) Ba sokhtori dakhldor tavsiya doda meshavad, ki ruykhati narkhi bozori/arzishi 20 namudi avtomobilhoro doshta boshad va in ruykhatro haddi aqal dar yak moh yak marotiba nav kunad.

v) Korshinosi qarzi boyad taftish namoyad, ki avtomobili ba sifati taminoti garav peshnihodshuda, dar habs va / yo dar zeri digar mahdudkunihoi notarialii digar maqomot, qaror nadorad.

g) Dar rafti bahodihi, inchunin boyad tahlili mushakhkhasoti tekhniki, soli barorish va holati umumii avtomobil guzaronida shavad.

g) Bahaguzori boyad dar Sanadi tashkhis va bahoguzorii vositai naqliyot darj gardad (Zamimai № 9).

e) Agar qaror qabul shuda boshad, ki vositai naqliyot dar istifodabarii sohibmulq boqi memonad, dar chunin holat zarur ast, ki az u sugurtai purraro baroi holati duzdidan, ba sadama duchor shudan va digar holathoi peshguinashavanda, talab karda shavad.

Tajhizot

Tashkhisi garavii tajhizotho tibqi “Tartibi bahoguzorii amvolhoi ba sifati taminoti garav peshnihodshuda dar JSP «Alif Bonk»guzaronida meshavad. Hangomi ba sifati taminoti garav peshnihod namudani tajhizot, darkhostdihanda boyad huquqi sohibmulkiashro ba tajhizoti dakhldor isbot namoyad va ba Bonk hujjathoi dakhldorro peshnihod kunad. Agar hujjathoi rasmi mavjud naboshand, pas hujjate tartib doda meshavad, ki az jonibi azoyoni oila va / yo sharikon, shakhsoni imkoniyati shahodat dodan/tasdiq namudani huquqi sohibmulki ba tajhizotro dorand, ba imzo merasad.

Korshinosi qarzi boyad aniq namoyad, ki oyo tajhizoti ba sifati garav peshnihodshuda dar habs va/yo dar zeri digar mahdudkunihoi notariali yo khud digar maqomot, qaror nadorad.

Bahoguzorii tajhizot, boyad arzishi barhamdihii (pardokhtpazirii) jori, khurdashavi (farsudashavi) va narkhi (bozorii) ba furush raftani onhoro, dar davrai amali shartnoma, ba inobat girad. Dar rafti guzaronidani bahoguzori, inchunin boyad tahlili mushakhkhasoti tekhniki, soli barorish va holati umumii tajhizot ba inobat girifta shavad. Bahoguzori boyad dar sanadi narkhguzori, ki ba shartnoma oid ba garav zamima shudaast, darj gardad. Inchunin boyad, namud va arzishi tajhizot bahoguzori shavand va dar sanadi narkhguzori, ki ba SHartnoma oid ba garavi amvoli manqul zamima shudaast,  inikos yobad (Zamimai №8 (a)).

Bonk boyad kushish namoyad, ki hamai hujjathoi tekhniki va digarro, ki huquqi sohibmulkiro ba tajhizot muayyan menamoyad, paydo kunad, va dar ganjkhonai Bonk mahfuz nigoh dorad. In amal furukhtani chunin navi garavro tamin menamoyad va huquqhoi Bonkro nisbat ba on hifz mekunad.

Ba garav guzoshta shudani amvoli gayrimanqul

Tashkhisi obekthoi ehtimolii garav (amvoli gayrimanqul) tibqi “Tartibi bakhoguzorii amvolkhoi ba sifati taminoti garav peshnikhodshuda dar JSP «Alif Bonk»guzaronida meshavad. Tanho on vaqt Bonk boyad amvoli gayrimanqulro ba sifati taminoti garav qabul kunad, ki agar Bonk nisbat ba on huquqi darajai yakum girifta boshad.

            Agar darkhostdihanda ba sifati taminot bo garav amvoli gayrimanqulro peshnihod namoyad, pas u boyad hujjathoi zerinro dastras gardonad:

a) Hujjate, ki huquqi sohibmulkii shakhsro ba amvoli gayrimanqul nishon medihad (shartnomai kharidu furush, hujjati hadyakuni, shahodatnomai baqaydgiri, hujjat doir ba qonuni kardani amvol va gayra).

b) SHinosnomai tekhnikii amvoli gayrimanqul.

v) Malumotnomai KFBT (korkhonai farii baqaydgirii tekhniki).

g) Arizai hamai shariksohiboni amvol, ki dar on rozigii kheshro nisbat ba garav guzoshtani amvol ibroz doshtaand.

Korshinosi qarzi hamai hujjathoi dar bolo zikr shudaro jamovari namuda, bad az giriftani khulosai huquqii shubai kormandon va huquq boyad doir ba purragii huquqi va moddii onho, bovari hosil namoyad. Sipas Bonk bahodihii amvolro bo quvvai khudi meguzaronad va dar in khusus Sanadi bahoguzori ba amvoli gayrimanqulro (Zamimai №11) omoda menamoyad. Dar barobari in Bonk boyad meyori jorii arzishi barhamdihi (pardokhpaziri), farsudashavi va narkhi (bozori) furukhtashaviro dar davrai amali qarz, ba inobat girad. Dar holati norozigii tarafho Bonk metavonad narkhguzoriro bo yorii narkhguzori mustaqil guzaronad. Korshinosi qarzi boyad bovari hosil namoyad, ki amvoli gayrimanqul dar doirai digar SHartnoma ba garav guzoshta nashudaast. Kumitai qarzi huquq dorad, sharti sugurta kardani amvoli garavro guzorad. SHartnomai garavi amvoli gayrimanqul dar idorai notariali tartib dodashuda, tasdiq karda meshavad. SHartnomai garavi amvoli gayrimanqul boyad dar Vazorati adliyai Jumhurii Tojikiston bo giriftani SHahodatnomai dar borai baqaydgirii garav ba qayd girifta shavad. Baroi qarzhoe, ki muhlatashon to 6 (shash) moh meboshand, guzaronidani monitoringi taminot bo garav, ba tavri ozod surat megirad. Guzaronidani monitoring baroi qarzhoe, ki muhlatashon beshtar az 6 (shash) moh ast, hatmi meboshad. Dar barobari SHartnomai garav va sanadi bahoguzori, dar bastai hujjathoi qarzi, boyad hujjathoi zerin mahfuz nigoh doshta shavad:

            -Nuskhai malumotnomai KFBT (korkhonai farii baqaydgirii tekhniki).

            -Nuskhai hujjati muayyankunandai huquq ba amvoli gayrimanqul.

            -Nuskhai shartnomai garav va shahodatnoma dar borai baqaydgirii davlatii garav.

            -Orderi voridoti gayritavozuni, ki ba khazinai vohidi amaliyotii Bonk, baroi nigohdori doda shudaand, shinosnomai tekhniki va hujjathoi isbotkunandai huquqi sohibmulkiro tasdiq menamoyad.

            Nuskhahoi aslii hujjatguzoriho doir ba taminoti garavi, boyad baroi mahfuz nigoh doshtan dar khazinai Bonk va nuskhahoi on boyad dar parvandai qarzi nigoh doshta shavand.

Sugurtakuni va tasdiqi notariali

Dar holathoe, ki qonunguzorihoi Jumhurii Tojikiston peshbini namudaast, taminot bo garav boyad sugurta karda shavad va/yo az jonibi notarius ba qayd girifta shavad.

Dar hamai digar holatho sugurtakuni va az jonibi notarius ba qayd giriftan zarur nest.

Ba in nigoh nakarda, dar hamai holatho Kumitai qarzi metavonad, doir ba sugurtakuni va az jonibi notarius ba qayd giriftani taminot bo garav, qaror qabul namoyad.

  1. PESHNIHODI QARZI BAROI BARRASI BA KUMITAI QARZI

Muqaddimai peshnihodi qarzi

            Bad az guzaronidani tahlili tijoratii qarzgiranda va khojagii manzilii u, korshinosi qarzi masuliyati tahiya namudani peshnihodi qarziro ba dush dorad, ki boyad bo shakli muvofiq tartib doda shuda boshad (Zamimahoi №12 , № 13a, 13b). In hujjatho baroi barrasi ba Kumitai qarzi peshnihod karda meshavand.

Kriteriyahoi peshnihodi qarzi

Dar peshnihodi qarzii khesh korshinosi qarzi vazifador ast:

a) Doir ba hamai jihathoi moliyavii tijorati darkhostdihanda – ba in jo dokhil meshavand, natijahoi tahlili nishondihandahoi nisbi va natijahoi tahlili marketingi (raqobat, tahvildihandagoni mol, qarzgirandagon) va vazi oilavii darkhostdihanda, sharhi daqiq dihad.

b) Havfho (shakhsi,oilavi va moliyavi), ki ba tijorat tahdid mekunand, usulhoi idora kardani onhoro peshnihod namoyad.

v) Omoda budani shakhsi darkhostdihanda ba pardokht namudan/bozpas gardonidani qarz.

g) SHarhho doir ba tarikhi qarzii dar Bonk yo digar Bonkhoi qarzi mavjud budai shakhsi darkhostdihanda.

g) Baho dodan ba taminoti garavii peshnihodshuda.

d) Hulosae, ki dar on peshnihodi daqiqi hamai sharthoi qarz, bo darnazardoshti tabiati tijorat, khislati qarz va nizomi darajabandi inikos yoftaand.

e) Iqtidori pardokhtkuni, ki dar asosi tahlili tijorat va khojagii manzilii qarzgiranda muayyan shudaast, boyad haddi aqal az voridkuni az rui qarz 1,3 marotiba ziyodtar boshad (qarzgirandagone, ki dar nizomi darajabandi shomil meboshand, iqtidori pardokhtkuni boyad haddi aqal az voridkuni az rui qarz 1,2 marotiba ziyodtar boshad).

10.QABUL NAMUDANI QARORHO DAR KUMITAI QARZI

Holathoi umumi

            Kumitai qarzii vohidi amaliyotii Bonk (minbad Kumitai qarzi), dar jarayoni peshnihod namudani qarz, maqomoti markazii vohidi amaliyoti meboshad. In maqomot, dar jarayoni barrasii darkhosti qarzi, sanjishi nihoiro amali mesozad va tanho Kumitai qarzi metavonad peshnihodi qarzii korshinosi qarziro nisbat ba darkhosti qarzii qarzgiranda, dastgiri namoyad, rad kunad yo khud bo maqsadi purra namudani malumotho yo tahlil ba vaqti digar guzaronad.

            Kumitai qarzi, qarzro dar asosi malumotkhoi jamovari shuda barrasi menamoyad. Agar zarurati jamovari namudani malumoti ilovagi boshad, barrasii peshnihodi qarz ba vaqti digar guzaronida meshavad.

            Hamai qarorho doir ba doda shudani qarz az jonibi Kumitai qarzi, ki az hisobi kormandon va rohbariyati vohidi  amaliyotii Bonk tashkil yoftaast,  qabul karda meshavand. Korshinosi qarzi va / yo khud dilkhoh digar kormandi vohidi amaliyotii Bonk, nametavonad mustaqilona doir ba dodani qarz qaror qabul namoyad. Dar qoidai mazkur istisno joy nadorad.

Omodashavi ba jalasai Kumitai qarzi

Korshinosoni qarzi boyad qablan, haddi aqal yak ruz pesh rohbariyati bakhshi qarzi va/yo rohbari vohidi amaliyotii Bonkro doir ba loihahoe, ki onho mekhohand ba barrasii Kumitai qarzi peshnihod namoyand, khabar dihand.

Kumitai qarzi metavonad makhsus baroi holati mazkur davat shavad yo khud dar asosi doimi, dar ruzhoi muayyanshuda doir gardad.

Boyad korshinosi qarzi, haddi aqal yak ruz qabl az doir gashtani jalasai Kumitai qarzi peshnihodi qarzi va bastai purrai hujjathoi qarziro ba azoyoni Kumita baroi shinosoi peshnihod namoyad. Boyad andeshahoi korshinosi qarzi doir ba qobiliyati qarzpardozi doshtani darkhostdihanda va peshnihodhoi u, dar peshnihodi qarzi daqiq va purra darj gardand. Digar malumothoi zaruri niz boyad bo khohishi azoyoni Kumitai qarzi, ba onho peshnihod karda shavad.

Rohbariyati bakhshi qarzi boyad itminon hosil namoyad, ki bastai hujjathoi qarzii purrakardashuda va peshnihodi qarzi, ki muvofiqi talaboti Nizomnomai mazkur va hamai tartiboti dar Bonk amalkunanda tahiya shudaast, omoda meboshad va dar ikhtiyori Kumitai qarzi ast. Bastai hujjathoi qarzi, to jalasai Kumitai qarzi on goh purra hisobida meshavad, ki agar doroi mavodhoi zerin boshad:

a) Darkhosti qarzii ba tavri zaruri purkardashuda va ba imzo rasida;

b) Nuskhai shinosnomai darkhostdihanda;

v) Nuskhai hujjathoi / ijozatnomahoi zaruri baroi pesh burdani tijorat, mutobiq ba qonunguzorihoi Jumhurii Tojikiston (malumotnomaho, ijozatnomaho, shahodatnomaho, patentho, tasdiqnomaho va gayra);

g) Nuskhai hujjathoi tasisi (agar sukhan dar borai shakhsi huquqi ravad);

g) Nuskhai shinosnomahoi garavdeh, zomin va dar holati zaruri nuskhai shinosnomai shohid (shohidon);

d) Malumotnoma az joi kori qarzgiranda va zomini vay dar borai daromad va/yo hujjathoi digari tasdiqkunandai faoliyati sohibkorii onho  (shahodatnoma, ijozatnoma, patent, pardokhthoi andoz va gayra (baroi qarzhoi istemoli);

e)Hujjathoi az rui bahoguzorii tijorat va tahlili oila, ba tavri lozimi purkardashuda va az jonibi korshinosi qarzi ba imzo rasida (namudi muvofiqi tahlili tijorat va khojagii manzili; digar hujjathoi zaruri baroi tahlil va guzaronidani hisobu kitob, jadvalho va gayra).

yo) Hisobdihii rasmi – Tavozun, Hisobot doir ba foida va kharojotho va Hisobot doir ba harakati vositahoi pulii Bonk baroi davrai shash mohi okhir (agar qarzgiranda shakhsi huquqi boshad);

j) Peshnihodi qarzii ba tavri lozimi pur karda shuda va az tarafi korshinosi qarzi imzo guzoshtashuda dar asosi darkhosti qarzii qarzgiranda;

z) SHarhi khattii mukammal va daqiqi taminot bo garav va bahoguzori ba onho, hujjatguzoriho baroi muayyan namudani huquqi sohibmulki ba taminot bo garav;

i) Baroi qarzgirandagoni takrori nuskhai chopkardashudai tarikhi pardokhti qarz az jonibi qarzgiranda va tahlili hujjatho doir ba qarzhoi qablan girifta shuda.

 

Guzaronidani Kumitai qarzi

            Pesh az on, ki muhokimai peshnihodi qarzi shuru shavad, Kumitai qarzi, boyad bastai qarziro az sanjish guzaronad va tasdiq namoyad, ki on komilan purra ast va hamai tartiboti dar Nizomnomai mazkur darj gardida, rioya shudaand. CHun qoida in sanjishro kotibi Kumitai qarzi yo azoi Kumitai qarzi, ki masuliyati mazkur ba zimaash guzoshta shudaast, meguzaronad. Dar rafti kori jalasai Kumitai qarzi, korshinosi qarzi ba hamai azoyoni Kumitai qarzi, peshnihodi khattii khudro, dar yakjoyagi bo natijahoi tahlili guzaronidashuda, peshkash menamoyad.

Prezentatsiyai nihoyat mufassal va davomdori shifohi talab karda meshavad:

a) az korshinosoni qarzii dar doirai Nizomnomai mazkur, tajribai kamtar az shash mohai korii guzaronidani tahlili qarzi doshta;

b) az korshinosoni qarzie, ki tajribai kori gayriqanoatbakhsh dorand;

v) dar holati peshnihodi qarzhoi beshtar az 5000 (panj hazor) dollari IMA;

g) dar holati peshnihod namudani qarzhoi mutavozi (paralleli);

g) dar holati peshnihod namudani qarzhoi takrori baroi qarzgirandagone, ki dar soli (solhoi) qabli dar rafti pardokht namudani qarzi (qarzho) onho mushkilot ehsos meshud.

Dar holathoi boqimonda muarrifii shifohii (prezentatsiya) kutohi purra va purmuhtavo basanda meboshad.

Muarrifii korshinosoni qarzi az jonibi hamai azoyoni Kumitai qarzi, boyad shaffof va az nuqtai nazari tanqidi mavridi muhokima qaror girad. Dar rafti muhokima, boyad korshinosi qarzi ba hamai savolhoi ba u doda shuda posukh dihad. Boyad muhokima purmuhtavo va ba mushkiloti mavjuda va ehtimolii qarzgiranda nigaronida shuda boshad, vale nihoyat khurdagirona naboshad. Dar holati zaruri, boyad Kumitai qarzi ba tavri mufassal hujjathoi dakhldorero, ki dar bastai hujjatho joygir shudaand, az sanjish guzaronad.

Bad az ba okhir rasidani muhokima, muvofiqi qoidahoi dar Nizomnomai mazkur bayon shuda, Kumitai qarzi az rui darkhosti qarzi, ba marakai ovozdihi meguzarad. Dar holati dastgiri yoftani peshnihodi qarzi, boyad Kumitai qarzi doir ba hamai sharthoi qarz qaror (Zamimai № 14 ) qabul namoyad.

Habardor namudani qarzgiranda

Qarzgiranda metavonad, bo khohishi khud, doir ba qarori qabul namudai Bonk oidi darkhosti qarziash, ba tavri khatti malumot girad. Ba gayr az in, boyad korshinosi qarzi favran va ba tavri shifohi, pas az jalasai Kumitai qarzi, qarzgirandaro khabardor namoyad. Dar in holat, korshinosi qarzi boyad bovari hosil namoyad, ki qarzgiranda dark namuda istodaast va hamai sharthoi peshnihod namudani qarzro, qabul mekunad. Dar barobari in, ba korshinosi qarzi qatiyan man ast, ki doir ba mushakhkhasoti jarayoni muhokima, oidi qarori qabul namudai Kumitai qarzi az rui darkhosti qarzi, ba qarzgiranda dilkhoh malumotro dihad, inchunin dodani malumot oidi hayat va azoyoni Kumitai qarzi man ast.

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

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

b)Dar holati javobi rad giriftan, boyad korshinosi 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 korshinosi 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 korshinosi 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

Korshinosi qarzi boyad 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 korshinosi 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) Hama guna ezohhoi imkonpazir, ki ba qarz dakhl dorand.

  1. 11. BARASMIYAT DAROVARDANI SHARTNOMAHOI QARZI VA HUJJATHO

 

Muqararroti umumi

SHartnomai qarzi hamchun hujjati asosii qarzi, boyad dar ravandi barasmiyat darovardani hujjatho az jonibi korshinosi qarzii masul yo kormande, ki ba omoda kardani hujjatho mashgul ast, bad az qabul shudani qaror doir ba dodani qarz, tayyor karda shavad. Korshinosi qarzii masul yo kormande, ki ba omoda kardani qarzho mashgul ast,  boyad bovari 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);

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

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

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

yo) 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;

j) 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, korshinosi 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. 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 Bonk, shartnoma boyad az jonibi shakhsoni zerin imzo guzoshta shavad:

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

b) Agar zarurati imzoi duyum paydo shavad, on metavonad az jonibi sarmuhosibi Bonk 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) Korshinosi qarzi (ba sifati ijrokunanda), va kormandoni bek ofis (ba sifati nazoratkunanda) inchunin dar shartnomaho imzo meguzorad.

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

Boyad har yak shartnoma az jonibi qarzgir / garavdeh / zominon / shohidon / digar shakhsoni lozimi va Bonk, dar dokhili binoi Bonk, dar huzuri korshinosi qarzii masul ba imzo rasand. Korshinosi 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 korshinosi qarzi boyad jarayoni barasmiyat darovardani qarzro nigoh dorad va oidi in masala rohbari bakhshi qarzi va / yo rohbari vohidi amaliyotii Bonkro voqif sozad. Tanho bad az malum namudani hamai sababhoi ba vuqu payvastani vaziyati mazkur va itminoni purra hosil namudani Bonk (dar chunin holat rohbar  va / yo rohbari bakhshi qarzi) 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 korshinosi qarzi va rohbari bakhshi qarzi va / yo rohbari vohidi amaliyoti dar nuskhai shinosnomai khud imzoyashro guzorad. Rohbari bakhshi qarzi/ yo rohbari vohidi amaliyoti uhdador ast, bo imzoi khud onro tasdiq namoyad va tarikhi ruzro guzorad.

SHartnomai generalii qarzi

 

SHartnomai generalii qarzi tanho bo qarzgirandagoni takrorii tarikhi khubi qarzi doshta barasmiyat darovarda meshavad (Zamimai №16). Maqsad az barasmiyat darovardani shartnomai generalii qarzi dar on meboshad, ki Bonk tavonad qarzgirandaro dar davrai to 3-5 sol ba mahsulothoi qarzii khud vobasta namoyad va holati hardafinai barasmiyatdarorii amvoli garavro tariqi idorai notariali va az qayd guzashtanro dar maqomoti adliya az bayn bardorad. Mablagi shartnomai generalii qarzi bo nazardoshti durnamoi oyanda (to 3-5 sol) dar asosi iqtidori pardokhtpazirii haqiqii qarzgiranda dar sanai bastani SHartnoma muayyan karda meshavad. Agar mablagi shartnomai generalii qarzi az salohiyati kumitai qarzii vokhidi amaliyoti ziyod boshad, ongoh barrasii darkhosti qarzi dar kumitai qarzii sathi boloi (vobasta ba salohiyat) amali megardad. Agar marhilahoi badinai shartnomai generalii qarzi az salohiyati kumitai qarzii vohidi amaliyoti ziyod boshad, on goh peshnihodi boqimonda marhilaho tanho bo muvofiqai namoyandagoni SHubai rushdi khizmatrasonihoi bonki, amali meshavad.

  1. PESHNIHODI QARZ

Muqararoti umumi

Qarz metavonad ba tavri naqdi va gayrinaqdi peshnihod karda shavad.

·    Peshnihodi  qarz ba tavri naqdi

Vositahoi qarzi az surathisobi qarzii qarzgiranda debet kunonida shuda bahisobi pasandozi darkhostshavandai qarzgiranda kredit kunonida meshavand. Bad az hisobi pasandozi darkhostshavandai qarzgiranda tariqi khazina ba tavri naqdi doda meshavad. Vositahoi puli naqd az jonibi kormandi khazina tanho ba dasti qarzgiranda doda meshavad. Pesh az on, ki kormandi khazina pulro dihad, boyad tavassuti muqoisa namudani malumotho va imzoi shinosnomai qarzgiranda, bo malumothoi bastai hujjathoi qarzi va namunai imzoi dar Bonk mavjud buda, doir ba shakhsiyati qarzgiranda itminon hosil namoyad.

Hamai hujjathoi pardokhti  boyad dar bastai hujjathoi qarzi nigoh doshta shavand.

  • Peshnihodi qarz ba tavri gayrinaqdi

Vositahoi qarzi az surathisobi qarzii qarzgiranda debet karda, ba hisobi pasandozi darkhostshavandai qarzgiranda kredit meshavand va az on ba surathisobi tahvildihandai mol bo suporishi qarzgiranda guzaronida meshavand. Qarzgiranda metavonad az chunin usuli hisobbarobarkuni, ba misli etibornoma (akkreditiv), ki hangomi guzaronidani amaliyothoi hisobbarobarkunii qarzgiranda bo tahvildihandai molash nihoyat samaranok ast, istifoda namoyad. Qarz az ruzi guzaronidani qismi (transh) yakumi mablagi qarz, «dodashuda» hisobida meshavad.  Korshinosi qarzi boyad favran, bad az guzarondani mablag amma na dertar az hamon ruzi kori, ba qarzgiranda doir ba guzaronida shudani mablagi qarz khabar dihad. Inchunin Korshinosi qarzi vazifador ast bovari hosil namoyad, ki hamai vositahoi qarzi muvofiqi talabothoi SHartnomai qarzi maqsadnok istifoda shuda istodaand. Baroi in mumkin ast hisobnoma – fakturai tahvildihandagoni moli qarzgiranda talab karda shavad va vositahoi qarzi bad az peshnihod shudani chunin hisobnoma – faktura ba surathisobi tahvildihandagoni mol guzaronida shavad. In makhsusan ba qarzhoi kalon dakhl dorad. Mablagguzaroniho az surathisobi qarzgiranda, bo suporishi rasmii u surat megirand.

Mablagi qarzi dastgiri yofta, boyad bo tashabbusi qarzgiranda ba surathisobi u dar davrai na dertar az 30 ruzi kori, bad az ba imzo rasidani SHarnoma qarzi guzaronida shavad. Dar tuli 30 ruz korshinosi qarzi boyad bo qarzgiranda ba aloqa baroyad va sharhi ba takhir aftodani dodani qarzro purson shavad. Pas az ba okhir rasidani in muhlat, agar vositahoi qarzi tamoman girifta nashudaand (ba surathisobi qarzgiranda guzaronida nashudaand), SHartnomai qarzi metavonad qat karda shavad. Doir ba in masala, korshinosi qarzi boyad Kumitai qarziro dar jalasai oyanda khabardor namoyad. Kumitai qarzi doir ba tadbirhoi andeshidashavandai minbada, qaror qabul menamoyad.

Dar parvandai qarzi boyad hamai hujjathoi pardokhti, chekhoi tahvildihi va hisobnoma – fakturho nigoh doshta shavand.

Peshnihodi qarzhoi mutavozi (paralleli).

          Peshnihodi qarzhoi mutavozi (paralleli) ba qarzdorone, ki qarzhoi amalkunanda dorand, tanho dar holati rioyai sharthoi shartnomai qarzii amalkunanda, ijroi sarivaqtii naqshai pardokhti qarz, doshtani iqtidori pardokhtpaziri va tarikhi khubi qarzi, na kam az shash moh istifodabarii mablagi qarzi judoshuda, pardokhti mablagi qarzi giriftashuda dar hajmi na kam az 50 % va peshnihod namudan ba sifati taminoti qarz garavi ustuvor va yo zomin mumkin meboshad.

            Ba qarzgirandagone, ki dar nazdi Bonk uhdadorii qarzii amalkunanda doshta  sharthoi  shartnomai qarziro rioya namekunand, peshnihod namudani qarzhoi mutavozi qatiyan man ast.

Taftishi hujjathoi qarzi

          Dar doirai Nizomnomai mazkur, dilkhoh qarzdihi metavonad tanho on goh amali shavad, ki agar shartnomahoi qarzi va garav, inchunin hujjatho purra va mukammal omoda shuda boshand va hamai talabothoi dar Paynavishti Kumitai qarzi darj gardida, rioya shavand.

          To peshnihodi qarz boyad sharthoi zerin rioya shavand:

a) Purragi va mukammalii parvandai qarzi;

b) Muvofiqatii hamai sharthoi shartnoma bo Paynavishti Kumitai qarzi va tartiboti amalkunanda. Asosan in ba mablagi qarz, meyorhoi foizi, davrai voridkuniho, asor, muhlatho, taminoti garav va digar shartho taalluq dorad;

v) Az jihati huquqi durust budani hamai hujjathoi dakhldor (shartnomai qarzi, shartnomahoi garav, shartnomai zamonati, maktubhoi kafolati) va ba tavri lozimi, mutobiq ba qonunguzorihoi Jumhurii Tojikiston barasmiyat darovardani hamai taminoti garav;

g) Ba khazinai vohidi amaliyotii Bonk dodani hamai hujjathoi zaruri va / yo arzishhoe, ki ba taminoti garav dakhl dorand;

g) Purra dokhil namudani hamai malumothoi dakhldor, ba Nizomi  Avtomatikunonidashudai Bonki.

          Ba uhdadorihoi vazifavii korshinosi qarzi ijro namudani hamai talabothoi dar bolo zikrshuda dokhil meshavand.

          Pesh az on, ki korshinosi qarzi dodani qarzro amali sozad, boyad ba Varaqai sanjishi imzo guzorad va onro dar bastai hujjathoi qarzi guzorad (Zamimai №17,17a). Varaqai sanjishi az jonibi nazoratchi to lahzai dodani qarz taftish karda meshavad. Odatan naqshi nazoratchiro kormandi bek – ofisi vohidi amaliyotii Bonk, ki az rui faoliyati bakhshi qarzi  nazorat mebarad, rohbar yo khud muovini u, ijro menamoyad. To on vaqte, ki nazoratchi parvandai qarziro bo maqsadi muayyan namudani purragivu mukammali va durustii on taftish nakunad va bo rohi imzo guzoshtan ba Varaqai sanjishi javobi musbi nadihad, qarz doda nameshavad. Amali mazkur sanjishi okhirin – asosii pesh az dodani qarz meboshad, ki onro nihoyat muhim va zaruri megardonad.

 

  1. NAMUDHOI MONITORING VA TARTIBI GUZARONIDANI ONHO

Muqarraroti umumi

Doimo dar aloqa budani korshinosi qarzi bo mizojoni khud, baroi sarivaqt muayyan namudani khavfho dar holati ibtidoii sar zadanii qaziyaho va az jonibi Bonk andeshidani tadbirhoi dakhldori javobi, musoidat menamoyad. In aloqai doimi, tariqi az jonibi korshinosi qarzi muntazam nazorat kardani pardokhti qarz az tarafi mizoj va hamkorii doimi dar muhiti tijorat bo mizoj, ba roh monda meshavad.

Namudhoi monitoring

Korshinosi qarzi baroi hamai qarzhoi sanduqi qarziash javobgar ast. U vazifador ast, ki monitoringi naqshavii istifodabarii maqsadnoki qarzi va gayri naqshavii tijorat, khojagii manzili va taminoti garavii mizojro (dar holati zaruri) guzaronad.

Monitoringi maqsadnok istifoda burdani qarz

            Baroi muayyan namudani chi tavr az jonibi mizoj istifoda shudani qarzi ba u judo gardida, ba korshinosi qarzi zarur ast, ki ba nazdi mizoj safari sanjishi kunad. Tashriforii sanjishi pas az on surat megirad, ki mizoj mol / tajhizot va gayraro, ki bo vositahoi qarzi kharidori shudaand, girifta boshad. Sanai chunin tashriforihoi sanjishi, ba zamoni voridshavii molhoi kharidorishuda vobastagi dorad. Vale, boyad tashriforii sanjishi dar tuli yak moh, bad az doda shudani qarz surat girad. Dar khususi qarzhoi marhila ba marhila dodashuda boshad, zarur ast, ki tashriforihoi sanjishi bad az peshnihodi mablagi har yak marhilai navbati surat girad.

            Natijahoi tashriforii sanjishi dar sanadi istifodabarii maqsadnok darj megardand(zamimai №18). Dar sanadi istifodabarii maqsadnoki qarz, boyad malumot doir ba maqsadnok istifoda shudan / gayri maqsadnok istifoda shudani vositahoi qarzi va to kadom andoza tagyir yoftani qobiliyati qarzpardozii mizoj, darj gardad. Dar holati muayyan shudani gayri maqsadnok istifoda gardidani vositahoi qarzi va / yo bad shudani qobiliyati qarzpardozii mizoj, boyad korshinosi qarzi natijahoi taftishi khudro ba Kumitai qarzi baroi barrasii minbada va qabul namudani qaror peshnihod namoyad. Sanad mukammal va khono pur karda shuda va imzo gardidaro ba parvandai qarzi dukhta mshavad. Agar natijahoi sanjish ba Kumitai qarzi baroi barrasii minbada peshnihod shuda boshand, Paynavishti Kumitai qarzi, ki dar on qarori Kumitai qarzi darj gashtaast, inchunin ba parvandai qarzi dukhta meshavad.

Monitoringho az jihati daraja ba du qism taqsim meshavand – Monitoringi standarti va monitoringi favquloda.

Monitoringi standarti

Monitoringi standarti az jonibi korshinosi qarzii masul, bo tartibi davragi – naqshavi, vale ba har hol na kamtar az yak marotiba dar yak semoha, guzaronida meshavad. Hangomi guzaronidani monitoringi standarti, korshinosi qarzi malumothoro doir ba masalahoi zerin jamovari menamoyad:

a) tagyir yoftani vazi moliyavi va digar tagyirotho dar tijorati mizoj;

b) tagyir yoftani khavfhoi bo tijorat va khudi mizoj aloqamandi doshta;

v) maqsadnok istifoda burdani vositahoi qarzi;

g) tagyirothoi aloqamand ba taminoti garavi va hojagii manzilii qarzgiranda;

d) digar holathoe, ki ba tijorat va khudi mizoj tasir merasonand.

Az rui natijahoi monitoringi standartii guzaronidai korshinosi qarzi, sanadi monitoringi standarti barasmiyat darovarda meshavad. Monitoringi standartii  qarzhoi mablagashon to 20 000 (bist hazor) dollari IMA, bo shakli soddakardashuda guzaronida meshavad. Monitoringi qarzhoi mablagashon ziyoda az 20 000 (bist hazor) dollari IMA ba tavri nisbatan vase guzaronida meshavad. Namunai sanadhoi monitoringi standarti, dar Zamimahoi № 19 va № 19(a) – i Nizomnomai mazkur ovarda shudaand.

Az rui natijahoi monitoringi standartii guzaronidashuda, korshinosi qarzi imkoniyat dorad khulosahoyashro dar du shakl peshnihod namoyad:

a) agar natijai monitoringi standartii qarz musbi boshad – yane tijorati Mizoj rushd meyobad, khavfho ziyod nashudaand, vositahoi qarzi maqsadnok istifoda meshavand, munosibati mizoj ba Bonk tagyir nayoftaast, mizoj bo korshinosi qarzi hamkori dorad va baroi guzaronidani monitoring musoidat menamoyad– korshinosi qarzi dar asosi shartnomahoi qarzii bo mizoj bastashuda, davom dodani munosibathoro peshnihod menamoyad.

b) agar natijai monitoringi standartii guzaronidashuda manfi boshad – yane tijorati mizoj rushd nameyobad va/yo tamoyuli pastshavi ba nazar rasad, khavfho afzoyandaand, vositahoi qarzi maqsadnok istifoda nashavand, munosibati mizoj nisbat ba Bonk kullan tagyir yoftaast va bo dushvori bo Bonk hamkori dorad, u ba guzaronidani monitoring moneaguzori menamoyad–korshinosi qarzi peshnihod menamoyad, ki munosibathoi meyori bo Mizoj qat karda shuda, monitoringi favqulodda guzaronida shavad, ki az rui natijahoi on Kumitai qarzi qarori nihoiro doir ba qarzi mazkur qabul menamoyad.

Monitoringi favquloda

Baroi talab karda giriftani qarzi mushkilsiton, korshinosoni qarzi metavonand usulhoi gunogunro istifoda namoyand, az on jumla:

    a) Guzaronidani monitoringi favquloda;

    b) Tashrif ovardan ba nazdi zominon / garavdihandagon;

    v) Tashrif ovardan ba nazdi kheshovandoni mizoj;

    g) Tashrif ovardan ba nazdi sharikoni mizoj;

    g) Zanghoi telefoni va istifoda namudani digar vositahoi aloqa;

    d) Maktubhoi ogohkunanda – Ogohinoma;

    e) Qat gardonidani SHartnomai qarzi va talab kardani purra pardokht namudani qarz;

    yo) Musodira namudani taminoti garavii manqul, andeshidani tadbirhoi majburan pardokht namudan va furukhtani taminoti garav;

    j) Tadbirhoi huquqi, bo darnazardoshti taftishoti sudi.

          Monitoringi favquloda, hangomi sar zadani takhirho yo khud hangomi muayyan shudani qaziyaho va/yo bad shudani holati tijorat va/yo khojagii manzilii mizoj guzaronida meshavad. Hangomi tashrif ovardan ba nazdi mizoj, boyad korshinosi qarzi ba holati tijorat va khojagii manzilii u ahamiyati jiddi doda, tahlili oid ba khavfho guzaronidaashro, va/yo khud natijahoi monitoringi qablan guzaronidashudaro, ba inobat girad. Ba korshinosi qarzi zarur ast, ki sababhoi voqeii ba takhir aftodanhoro muayyan kunad va ba tavri daqiq omuzad va to chi andoza qobiliyati qarzpardozii mizoj ba samti manfi tagyir yoftaast/tagyir nayoftaast, bahoguzoi namoyad. Boyad korshinosi qarzi tahlili purrai moliyavii tijorati mizojro guzaronad. Dar asosi in malumotho boyad u ba Kumitai qarzi andeshidani tadbirhoero peshnihod namoyad, ki baroi pardokht namudani qarzi batakhiraftoda yo khud, agar zarur boshad, ba purra va pesh az muhlat bargardonidani qarz va foizhoi on musoidat namoyad. Natijahoi monitoringi favquloda az jonibi korshinosi qarzi dar Sanadi

monitoringi favquloda darj karda meshavad (Zamimai № 20). Varaqaho va hamai hujjathoe, ki (bo nazardoshti siyohnavisho) dar rafti monitoringi favquloda istifoda shuda budand, boyad dar parvandai qarzii mizoji mazkur dukhta shavand.

  • Tashrifi yakum

            Dar khudi hamon ruze, ki mizoj voridkunii navbati az rui qarz va/yo khud foizhoi onro ba takhir meguzorad, korshinosi qarzii masul boyad ba nazdi u tashrif orad. Dar rafti in safari yakum, ba mizoj doir ba uhdadorihoyash oidi sarivaqt, muvofiqi jadval, tamin namudani voridkuniho az rui qarz va foizhoi on, khotirrason namoyad. CHunin tashrifho ba nazdi mizoj, boyad az jonibi na kamtar du nafar kormandi vohidi amaliyotii Bonk surat girad.

            Korshinosi qarzi boyad fahmonda dihad, ki:

a) bo sababi ba takhir guzoshtani qarz, jarima hisob karda meshavad  va baroi mizoj arzishi qarz garon meaftad;

b) odobi manfii pardokhtkuni imkoniyatho va etibori mizojro baroi dar oyanda takroran giriftani qarz kohish medihad;

v) Pardokht nakardani qarz ba majburan furukhtani amvoli ba garav guzoshtashuda ovarda merasonad;

g) agar ba mizoj dar doirai nizomi darajabandi khizmat rasonida shavad, ehtimoliyati  berun namudani u az nizomi mazkur mavjud ast.

            Zarur ast, ki ruzi ba Bonk omada qarzdorii mavjudaro pardokht namudani mizoj, muvofiqa karda shavad. Ruzi navi muvofiqa shudai pardokht, to darajai imkon boyad nazdiktar boshad. Ba sanai digar guzaronidani sanai voridkuni, ki korshinosi qarzi va mizoj doir ba on hangomi guzaronida shudani monitoring ba muvofiqa rasidaand, az sanai pardokhti voridkunii mazkur az rui qarz va/yo foizhoi on, boyad az 10 ruz beshtar naboshad. Vale, ba har hol ba vaqti digar guzaronidani sanai pardokhti voridkunii mazkur, naboyad az sanai vordkunii navbati dertar boshad. Korshinosi qarzi vakolatdor nest ba ruzi bad az voridkunii navbati, az rui jadvali pardokhtho yo khud ba beshtar az 10 ruz az sanai in voridkuni, muvofiqi jadvali pardokhtho, ba batakhirguzori rozi shavad. Hamai on chize, ki gufta shud, boyad dar sanadi monitoringi favquloda, arizahoi imzo guzoshtai mizoj (boyad ba Sanad zamima gardand) inikosi khudro yoband va az jonibi korshinosi qarzii masul va Kumitai qarzii vohidi amaliyotii Bonk, tahti nazorat qaror doda shavand. Ba korshinosi qarzi ijozat doda nameshavad, ki az mizoj pul (naqd) qabul namoyad va az nomi u ba Bonk vorid kunad. Boyad korshinosi qarzi mizojro ba binoi vohidi amaliyotii Bonk guselonad, to ki voridkuni favran surat girad. Baroi on, ki tashrifi ovardashuda samarai beshtar doshta boshad, korshinosi qarzi boyad malumotho va vositahoi zerinro dar dast doshta boshad:

     a) nuskhai SHartnomai qarzi bo jadvali pardokhtho, nuskhai shartnomahoi garav va zamonati bo zamimahoyashon. In baroi bo mizoj pesh burdani guftushunidi natijabakhshi rasmi va bosavodona zarur ast;

b) maktubi rasmii ogohkunanda az nomi vohidi amaliyotii Bonk va nuskhai on.

              In ba korshinosi qarzi imkoniyat medihad, ki hatto dar holati dar joi khud nabudani mizoj, ba u Ogohinomai rasmi guzoshta ravad. Dar holate, ki tashriforii mazkur natijae namedihad va holati pardokht namudani qarz khatarnok meboshad, boyad korshinosi qarzi favran amvoli ba garav guzoshtashudai manqulro, ki dar dasti mizoj ast, musodira namoyand va ba binoi vohidi amaliyotii Bonk ovarda rasonad. Zarur ast, ki Sanadi musodirai amvoli manqul tartib doda shuda, az jonibi du nafar kormandi safar namudai Bonk va khudi mizoj ba imzo rasad, badan yak nuskhai on ba mizoj doda shavad. Korshinosi qarzi boyad donad va ba mizoj fahmonad, ki hamai in amalho dar doirai qonunguzorihoi amalkunandai Jumhurii Tojikiston va shartnomahoi bayni Bonk va mizoj ba imzo rasida, surat megirand. Vale dar holate, ki agar mizoj gayri muqarrari raftor kunad (tahdid namudan, gavgo bardoshtan, roh nadodani kormandoni Bonk ba manzili istiqomati va/yo ba mahalli tijorat va gayraho), ba kormandi Bonk vorid shudan ba munoqisha va andeshidani tadbirhoi gayriqonuni man karda shudaast. Boyad onho ba mizoj maktubi rasmii Ogohkunandaro (Ogohinoma) dihand va imzoi mizojro dar nuskhai maktub, ba sifati tasdiq doir ba giriftani in maktub girand, ba mizoj payomadi ba takhir aftodan va amalhoyashro fahmonand. Korshinosi qarzi Sanadi monitoringi favqulodaro tartib medihad, ki dar on malumothoi dar rafti monitoringi guzaronidashuda ba dast omadaand, darj megardand. Bad az in, korshinosi qarzi boyad ba vohidi amaliyotii khesh bozgashta, doir ba natijahoi safarashon ba Rohbar va Sardori bakhshi qarzii vohidi amaliyoti khabar dihad. Badan jalasai gayrinavbatii Kumitai qarzii vohidi amaliyotii Bonk davat karda meshavad va pas az muhokima namudani vaziyati ba amal omada, doir ba tadbirhoi andeshidashavandai minbada qaror qabul karda meshavad.

  • Tashrifi duyum

Agar mizoj dar ruzi muayyanshuda qarzi batakhiraftodaro pardokht nakunad, zarur ast, ki marotibai duyum ba nazdi u tashrif ovarad. Dar jarayoni in safar korshinosi qarzi bori digar doir ba uhdadorihoi mizoj dar nazdi Bonk khotirrason menamoyad. Sipas korshinosi qarzi Sanadi navi monitoringi favqulodaro tartib medihad. Dar in Sanad korshinosi qarzi sanai navi bo mizoj muvofiqa shudai pardokhti qarzi batakhiraftoda va/yo foizhoi onro, darj menamoyad. Vale, ba har hol sanai navi pardokht naboyad az sanai voridkunii navbati az rui qarz va/yo foizhoi on, dertar boshad. Korshinosi qarzi vakolatdor nest ba ruzi bad az voridkunii navbati az rui jadvali pardokhtho yo khud muvofiqi jadvali pardokhtho az sanai in voridkuni ba beshtar az 10 ruz ba takhir guzoshtani sanai voridkuni, rozi shavad. Boyad korshinosi qarzi hamai bamuvofiqarasiho bo mizoj, vadaho va digar peshnihodhoi mizoj / garavdeh / vakolatdehro ba shakli khatti qayd namoyad (Arizaho, Bayonotho va gayra). Hamai tatbirho va qadamhoe, ki bo maqsadi pardokht namudani qarzi batakhiraftoda andeshida shudaand, boyad hujjati kunonida shavand va ba parvandai qarzi dukhta shavand. Dar holati rioya nakardani bamuvofiqarasii nav, ki dar hujjatguzorii tashriforii sanjishi (monitoring) inikos yoftaand, Bonk boyad bahri ichroishi favri va purrai sharthoi SHartnomai qarzi, SHartnomai garav va zamonati choraandeshi kunad. Ijro nakardani qadami mazkur az notavonii Bonk shahodat medihad, ki az on mizojon metavonand suiistifoda barand. Dar holati musodira namudani amvoli manquli basifati garav guzoshtashuda boshad, korshinosi qarzi metavonad talab namoyad, ki bo u namoyandai masuli Bonk, hamroh firistoda shavand.

Dar holati duru daroz, beshtar az yak voridkuni tul kashidani takhir, Rohbari vohidi amaliyoti va Rohbari bakhshi qarzi vazifadorand bevosita dar yakjoyagi bo korshinosi qarzi, dar jarayoni majburan pardokht namudani qarzdori, ishtirok namoyand.

Hangome, ki dar rafti monitoring muayyan karda shavad, ki sharthoi shartnomai qarzi rioya karda nameshavand yo vazi moliyavii mizoj ba tavri nazarras bad shudaast, Kumitai qarzi metavonad talab namoyad, ki vositahoi qarzii az jonibi mizoj giriftashuda, purra va pesh az muhlat bozpas gardonida shavand. In metavonad ba zarurati az jonibi korshinosi qarzi, az rui tartiboti dar bolo zikrgardida, musodira gardidani amvoli manquli ba garav guzoshtashuda, ovarda rasonad.

Maktubhoi ogohikunanda – Ogohinoma, maktubi iddao

Maktubhoi Ogohikunanda – Ogohinoma vobasta ba namudi taminoti garav (Zamimahoi №21,22 va 23) ba sifati usuli pardokhti qarz, tasiri zaif merasonand, vale az nuqtai nazari huquqi muhim meboshad. Boyad ba munosibathoi shakhsi bo mizoj ahamiyati jiddi doda shavad. Ba in nigoh nakarda, zarur ast, ki maktubhoi Ogohikunanda, dar holati ba takhir aftidani pardokhtho istifoda shavand. Inchunin, dar holate, ki Bonk majbur meshavad, ba tavri gayri sudi va yaktarafa, be rizoiyati mizoj amvoli manquli ba garav guzoshtashudaro furushad, maktubhoi Ogohikunanda naqshi asosiro mebozand.

Tamos bo zamonatdeh va / yo garavguzor

Dar hamai holathoi sar zadani takhir az rui qarz, zarur ast, ki bo zominon, garavguzoron va digar shakhsone, ki ba shartnoma imzo guzoshtaand, ba tamos baromada, doir ba az jonibi mizoj ijro nashudani uhdadorihoyash az rui qarz khabar dihand va bo isror talab namoyand, ki qarz pardokht shavad. Agar kafolatdeh/zamonatdeh, garavguzor yo shakhsi digar, ki ba shartnoma imzo guzoshtaast, az ijro namudani uhdadorihoi ba zimma giriftaash dast kashad, u metavonad zeri taqibi sudi karor girad, ba misli on ki khudi mizoj niz zeri taqibi sudi qaror megirad.

Dida baromadani peshnihodho/masalahoe, ki bo qarzhoi ba takhiraftoda/ mushkilsiton aloqamandi dorand

Natijahoi monitoringi favqulodai qarzhoi batakhiraftoda va mushkilsiton, az jonibi Kumitai qarzii vohidi amaliyotii Bonk, baroi dar doirai vakolati khud qabul namudani qaror az rui onho, dida baromada meshavand. Novobasta az mavjud budani darkhosthoi qarzii Mizojon, Kumitai qarzii vohidi amaliyotii Bonk vazifador ast, na kamtar az yak marotiba dar yak hafta, baroi muhokima namudani vazi qarzhoi ba takhiraftoda/mushkilsiton, jam shavad. Har yak jalasa boyad muayyan namoyad:

sababhoi batakhir aftidani pardokht az rui qarz;

maqsadhoi daqiq va naqshai tadbirhoi andeshidashavandaro oid ba sitonidani qarzho to haftai oyanda.

          Har yak jalasai chunin Kumitahoi qarzi, boyad az barrasii Paynavishti jalasai qabli shuru shavad. Kumitai qarzi va azoyoni on, boyad qarori dar jalasai Kumitai qarzi qabul shuda va dar Paynavishti on inikos yoftaro, qatiyan rioya namoyand. Agar beshtar az 3% – i sanduqi qarzii korshinosi qarzi zeri khavf (ba takhir aftoda) qaror doshta boshad, boyad in korshinosi qarzi har ruz dar nazdi Sardor va Rohbari bakhshi qarzii vohidi amaliyotii Bonk, hisobot dihad. Agar beshtar az 5% – i sanduqi qarzii korshinosi qarzi zeri khavf (pardokht az rui qarz va/yo foizhoi on  ba takhir aftodaast) qaror doshta boshad, pas chunin korshinosi qarzi az minbad dida baromadani darkhosthoi qarzii Mizojon barkanor karda meshavand. Boyad korshinosi qarzii mazkur, tamomi kushishu gayrati khudro ba sitonida giriftani qarzhoi batakhir aftoda ravona sozad to, ki sanduqi qarzii u az 3% kamtar ba khavfho boshad.

Ba tavri majburi sitonidani qarz

  • Sitonidani taminoti garavii manqul

          Taminoti garavii manqul dar se holat sitonida meshavad:

a) Agar mizoj bo tartibu intizomi khud nishon dihad, ki u niyat nadorad bo Bonk hamkori namoyad;

b) Agar dar rafti monitoringi tijorat va khojagii manzilii mizoj, korshinosi qarzi bovari hosil menamoyad, ki batakhiraftii qarzi mazkur khatarnok meboshad va guftushunidhoi minbada baroi pardokhtani qarz natijahoi dilkhoh namedihand;

v) Agar mizoj sozishnomai navro, ki az rui natijahoi monitoringi favqulodai qabli muvofiqa shudaast, rioya nakunad.

          Dar in marhila korshinosi qarzi naboyad bo mizoj bahsu munozira kunad, u boyad tanho ravad va dar doirai shartnomahoi bo mizoj bastashuda va qonunguzorihoi amalkunandai Jumhurii Tojikiston, taminoti garavii manqulro sitonad. Sitonidani garav boyad dar joyash, bo Sanadi qabul va supurdi amvoli ba garav guzoshta shuda, ki dar on ruykhati ashyohoi doda shuda istoda, nishonahoi farqkunandai on, haloti ashyo, az ki ba ki ashyoho suporida meshavand, barasmiyat darovarda shuda az jonibi tarafho imzo guzoshta shavad. Hangomi sitonidani amvoli ba garav guzoshta shuda, boyad haddi aqal du kormandi Bonk – korshinosi qarzi, ki ba sanduqi qarzii u in qarz dokhil ast va kormandi digari vohidi amaliyoti / Saridorai Bonk, ishtirok namoyand. Ba tavri rasmi sitonidani taminoti garavii manqul, tanho manoi tagyir yoftani joi nigahdorii ashyohoi ba garav guzoshtashudaro dorad. Ashyoi ba garav guzoshtashuda az mahalli nigahdorii mizoj (manzili istiqomatii mizoj, mahalli tijorati u va gayra) baroi nigahdori ba binoi Bonk meguzarad. Sanadi qabul va supurd dar du nuskha barasmiyat darovarda shuda, yak nuskhai on ba parvandai qarzii mizoj dukhta shuda, nuskhai duyumash ba shakhsi garavdeh doda meshavad. Furushi ashyohoi garav, ba hisobi pardokhti qarzi batakhiraftoda, bad az qabul gardidani qarori dakhldori Kumitai qarzi, dar marhilai nisbatan dertar, bo rioya namudani tartiboti dar Bonk amalkunanda va qonunguzorihoi Jumhurii Tojikiston, surat megirad.

Bonk huquq dorad amvoli manquli garavro (yaktarafa, be rizoiyati mizoj / garavdeh), tanho bad az sipari shudani 20 ruzi taqvimi, az ruzi peshnihod namudani Ogohinoma doir ba masalai mazkur ba garavdeh va mizoj, furushad.

  • Furukhtani amvoli ba garav guzoshtashuda

          Amvoli ba garav guzoshta shudaro metavon bo du roh furukht:

a) Bo rohi muvofiqa namudan bo mizoj:

– Dar in holat  mizoj yo khud Bonk, yo hardu kharidori ehtimoliro paydo menamoyand va jonibho sharthoi furushro muvofiqa namuda, ashyohoi ba garav guzoshta shudaro mefurushand. Daleli furukhta shudan – khardori shudan, boyad ba tavri zaruri dar Sanadi kharid–furushi amvoli manquli ba garav guzoshta shuda barasmiyat darovarda shavad, ki dar on garavdeh ba sifati furushanda va shakhsi ashyoro kharida, ba sifati kharidor baromad mekunad.

–  Dar holate, ki mizoj/garavdeh dar jarayoni furukhtani ashyo ishtirok kardan namekhohad, pas u boyad ba tavri khatti, bo guzoshtani imzo, baroi furukhta shudani ashyohoi mazkur, bo narkhi muvofiqashudai haddi aqal, rozigiyashro dihad.

– Mablaghoi voridshavanda, bo tartibi zerin baroi jubron namudani kharojotho az rui furushi garav (joygir namudani elonho dar ruznomaho, az joe ba joe burdan va gayra), baroi pardokhti foizhoi jarimavi, foizhoi muhlatnok va qarzi asosi, ravona karda meshavand.

b) Ba tavri majburi, be rozigii mizoj/garavdeh.

– SHartnomai qarzi va SHartnomai garav, ki miyoni Bonk va mizoj/garavdeh bastashudaand (dar doirai qonunguzorhoi Jumhurii Tojikiston), imkoniyat medihand, ki taminoti garavii manqul, bo tartibi gayrisudi furukhta shavad.

– Dar chunin holat, Bonk metavonad bad az guzashtani 20 (bist) ruzi taqvimi, az lahzai ba mizoj va garavdeh peshnihod namudani Ogohinoma doir ba furushi garav, vobasta ba furushi amvoli manquli ba garav guzoshta shuda, tadbirho andeshad.

– Mablaghoi voridshavanda, bo tartibi dar bandi (a) nishondoshuda baroi pardokht ravona karda meshavand. Dar holati rizo nashudani mizoj/garavdeh bo tartibi furush yo musodira namudani garav, baroi kumak ba SHubai kormandon va huquq murojiat namudan zarur ast.

  1. 14. AZ NAV DIDA BAROMADANI SHARTHOI QARZ

SHartho

SHarthoi qarz metavonand tanho yak marotiba az nav dida baromada shavand. Ba az nav dida baromadani sharthoi qarz tanho on vaqt roh doda meshavad, ki agar talabothoi zerin rioya karda shavand:

a) Mizoj bo Bonk bo tamomi masuliyat va shaffofkorona dar tuli hamai davrai qarzi va dar tuli qarzhoi peshina hamkori karda boshad. Dar bayni Bonk va Mizoj munosibathoi qanoatbakhshi qarzi mavjud ast.

b) Mizoj ba tavri ikhtiyori hamai malumothoi talabgardidai moliyavi va miqdori – sifatiro doir ba tijorati khud peshnihod namuda, sababhoi pardokht nashudani qarzro kushoda dodaast va tamomi malumoti zarurii boqimodaro peshinhod kardaast.

v) Mizoj bo tashabbusi khud ba Bonk murojiat namuda, ba tavri ikhtiyori, dar davrai ibtidoi, doir ba mushkilothoi pardokhtkuni malumot dodaast.

g) Sababhoi batakhir aftidani pardokhtani qarz voqei meboshand va imkoniyati taftish kardani onho mavjud ast.

g) SHahodati (daleli) on, ki mizoj maqsadi be chunu charoi pardokhtani qarzro dorad, mavjud ast.

d) SHahodati (daleli) on mavjud ast, ki dar surati qabul shudani sharthoi navi qarzdihi, mizoj sari vaqt va purra hamai uhdadorihoi khudro az rui qarz, muvofiqi shartnomahoi qarzi ijro menamoyad.

Tartibot

Bad az tahlili vaziyat va kushishhoi be natija anjom yofta bo digar rohho sitonidani qarz, korshinosi qarzi metavonad az nav dida baromadani sharthoi qarzro peshnihod namoyad. Boyad peshnihodi mazkur, dar zaminai tahlili purrai tijorat va khojagii manzilii mizoj tartib doda shavad. Qarz chunon tahlil karda meshavad, ki guyo mizoj bori avval baroi giriftani qarz murojiat karda boshad. Az rui natijahoi tahlil, korshinosi qarzi doir ba az nav dida baromadani sharthoi qarz taklifho omoda menamoyad. Boyad mizoj oidi az nav dida baromadani sharthoi qarz, ba tavri khatti murojiat namoyad (zamimai№24). Peshnihodi korshinosi qarzi va arizai mizoj, baroi barrasi va qabuli qaror ba Kumitai qarzi peshkash karda meshavad. (Zamimai №25). Kumitai qarzii vohidi amaliyotii Bonk, peshnihodi korshinosi qarziro dar asosi arizai khattii mizoj az nav dida baromadani sharthoi qarz barrasi namuda, qarori dakhldor qabul menamoyad. Dar holate, ki mablagi qarz az solihiyati Kumitai qarzii vohidi amaliyotii Bonk ziyod boshad, darkhost baroi barrasii minbada ba Kumitai qarzii sathi oli irsol karda meshavad. Hangomi barrasii chunin darkhost dar Kumitai qarzii sathi oli khulosai SHubai rushdi khizmatrasonihoi bonki girifta meshavad. SHubai rushdi khizmatrasonihoi bonki, huquq dorad dar holati mavjud budani sabab va dalelhoi shayii vayron shudani tartibot, ba vohidi amaliyotii Bonk, baroi tagyir dodani sharthoi qarz, mustaqilona javobi radkunanda dihad.

Az nav dida baromadani sharthoi qarz metavonad dar bar girad:

     a) Tagyir yoftani muhlati pardokhtani qarz va foizhoro az rui on;

     b) Tagyir yoftani meyorhoi foizi;

     v) Tagyir yoftani tarz va / yo tartibi navbati pardokhtkuni;

     g) Dar holai zaruri, digar sharthoi shartnomai qarzi.

Sozishnomai ilovagi, ki dar on sharthoi qarzi az nav dida baromada shuda inikos shudaastu az jonibi Bonk va mizoj ba imzo merasad (dar holati zaruri az jonibi notarius tasdiq meshavad), boyad hamroh ba SHartnomai qarzi dukhta shavad (Zamimai № 26). Naqshai navi pardokhtkuni, ki naqshai pardokhtkunii qabliro ivaz menamoyad, inchunin boyad hamroh ba SHartnomai qarzi dukhta shavad. Ba rasmiyat darovardani Sozishnomai ilovagi ba SHartnomai amalkunandai qarzi, muvofiqi talabothoe, ki dar Bobi 10-i Nizomnomai mazkur darj gardidaast, surat megirad.

Monitoring

Qarzi az nav dida baromadashuda, monitoringi muassir va tashriforii sanjishii muntazzamro talab menamoyad. Qarzi az nav dida baromadashuda, minbad batakhir aftoda hisob karda nameshavad (to on vaqte, ki qarzi mazkur muvofiqi jadvali pardokhthoi jadid az nav ba takhir naaftad). Agar pardokhtkunii qarzi az nav dida baromadashuda bo takhirho surat girad, pas boyad masalai majburan ruyonidani qarz shuru shavad.

15. BA SHAHSI DIGAR SUPORIDANI SANDUQI QARZI

Muqararoti umumi

Ba shakhsi digar suporidani sanduqi qarzi, in purra yo qisman suporidani kor bo mizojon va parvandai qarzii onho az yak korshinosi qarzi ba korshinosi qarzii digari bakhshi qarzii vohidi amaliyotii Bonk meboshad. Suporidani sanduqi qarzi dar holathoi zerin zarur shumorida meshavad:

Korshinosi qarzi purra sanduqi qarzii khudro, binobar sababi guzashtanash ba vazifa yo kori digar mesuporad;

Korshinosi qarzi qisman/to vaqti muayyan, binobar sababi ba rukhsatii mehnati baromadan yo khud to vaqti muayyan qobiliyati koriashro az dast dodan, sanduqi qarzii khudro mesuporad;

                Ba shakhsi digar suporidani sanduqi qarzi

           Masalai ba shakhsi digar suporidani sanduqi qarzi boyad dar jalasai Kumitai qarzii vohidi amaliyotii Bonk barrasi gardida dar on qarori dakhldor qabul karda shuda dar Paynavishti Kumitai qarzi (Zamimai №27) inikos shavad. Hangomi az nav taqsimkuni, boyad hududhoi faoliyati korshinosi qarzi, donish va tajribai korii korshinosi qarzi, vakolathoi u ba inobat girifta shavand. Korshinosi qarzie, ki ba u qarzho suporida meshavand, boyad ba tavri daqiq parvandahoi qarziro omuzad va  ba tavri rasmi az jonibi korshinosi qarzii qabli  shinos karda shavad. In tadbir, tashriforii yakjoyai har du korshinosi qarzi ba mahalli tijorat va khojagii manzilii mizojonro dar bar megirad. Tashriforii mazkurro anjom doda va bovari hosil namuda, ki parvandai qarzi purra va durust tartib doda shudaast, korshinosoni Sanadi qabul va suporidani parvandahoi qarziro ba imzo merasonand (Zamimai №28). Baroi har yak parvandai qarzii supurda shuda / qabul karda shuda, Sanadhoi alohidai qabul va supurd ba imzo rasonida meshavand. Hangomi imzo guzoshtan ba Sanadi qabul va supurdi parvandai qarzi, korshinosi qarzii parvandai qarziro qabul karda istoda, dar barobari on qarzhoe, ki khudi u dodaast, masuliyati purraro baroi qarzi mazkur ba zimmai khud megirad.

  1. OMUZONIDANI KOROMUZHO

Muqararoti umumi

        Har yak kormandi nave, ki ba kor dar bakhshi qarzii vohidi amaliyotii Bonk qabul shudaast (bo darnazardoshti guzaronidani kormandi bakhshi digari Bonk, baroi faoliyati minbada dar bakhshi qarzi), boyad az omuzishi nazariyavi – tajribavii qarzdihi ba tijorati khurdtarin va khurd guzarad, ki az rui natijahoi on, hujjati dakhldor barasmiyat darovarda meshavad.

 

Davrai omuzonidan

Har yak koromuz, haddi aqal davrai omuzishii (trening) semoharo boyad guzarad. Davrai trening, bo qarori SHubai rushdi khizmatrasonihoi bonki va rohbariyati vohidi amaliyotii Bonk, metavonad to shash moh daroz karda shavad. Dar tuli in davra, koromuz dar yakjoyagi bo korshinosi qarzii botajriba kor mekunad. Dar jarayoni kori harruzaashon, koromuzon az jonibi korshinosoni qarzii botajriba rohbaladi karda meshavand. Dar davrai koromuzi, koromuz sanduqi qarzii khudro doshta nametavonad. Koromuz, tahlil va himoyai loihahoro dar Kumitai qarzi, dar doirai vakolathoi noziri khud – korshinosi qarzii botajriba, ki uro rohbaladi mekunad, meguzaronad. In qarzho ba sanduqi qarzii in korshinosi qarzi vorid meshavand. Dar jarayoni tamomi davrai trening, nozir – kormandi SHubai rushdi khizmatrasonihoi bonki dar yakjoyagi bo Rohbariyati vohidi amaliyotii Bonk, ba kori koromuz baho meguzorand, ki az rui natijahoi on doir ba minbad idoma yoftani kori koromuz yo khud barkanor kardan / az kor sabukdush namudani u, qaror qabul karda meshavad. Inchunin ba kori korshinosi qarzi (ki ba u koromuz vobasta karda shudaast), dar samti omuzonidani koromuz, baho doda meshavad. Bahoguzorii mazkur, hangomi qabul namudani qaror oidi ba vazifai balandtar peshbari namudani korshinosi qarzi, ba inobat girifta meshavad. Pas az khotima yoftani davrai omuzonidani koromuz, dar holati musbi bahoguzori shudan va qabul gardidani qarori musbi, allakay korshinosi qarzii nav, metavonad ba tashkil dodani sanduqi qarzii khud shuru namoyad. Omuzishi koromuzon, oidi tartibi tahlili moliyavi va khojagidorii qarzgirandagon az rui kitobi omuzishii makhsus, ki baroi korshinosoni qarzi peshnihod shudaast, ba roh monda meshavad.

  1. NIZOMI DARAJABANDI

Bo maqsadi havasmandgardoni va dastgirii qarzgirandagon – mizojone, ki vaqti tuloni bo Bonk hamkori dorand va yakchand marotiba qarz girifta, sari vaqt be mushkilot qarz va foizhoi onro bargardonidaand, inchunin niyat dorand hamkoriashonro ba muddati tuloni idoma dihand, baroi onho nizomi darajabandi peshbini shudaast. Meyori darajabandi baroi chunin qarzgirandagon, hangomi giriftani qarz, sabukiro dar sharthoi on va imkoniyati ba muhlati nisbatan daroztar, bo meyori pasttari foizi va bo digar sharthoi imtiyoznok giriftani qarzro, peshbini menamoyad. Nizomi darajabandi az hama mekhanizmi muhimi havasmandgardoni dar judo namudani qarz meboshad. Havasmandgardonii mazkur, baroi intizomi namunavi, bo rohi tadrijan behtar gardonidani sharthoi judo namudani qarz va dar rafti munosibathoi baynihamdigarii Bonk bo qarzgiranda, sodda kardani tartiboti barasmiyat darovardani qarzro tamin menamoyad. Novobasta az tatbiqi nizomi darajabandi nisbat ba in yo on qarzgiranda, tartibi tahlili qobiliyati pardokht qarzgiranda, be tagyir boqi memonad. Kumitai qarzi boyad az rui tatbiq shudani nizomi darajabandi, nazorat kunad.

Qarzgirandagone, ki ba talabothoi zerin javobgu meboshand, ba nizomi darajabandi metavonand dokhil karda shavand:

SHumorai qarzhoi giriftashuda va pardokhtgardida Na kamtar az 3 qarz
Muhlati majmuii qarzho Na kamtar az 24 moh
Adadi ruzhoi ijozatdodashuda baroi takhir az rui har yak qarz Na beshtar az 15 ruz
Tanafusi  dar bayni qarzho Na beshtar az 6 moh

            Qarzgirandagone, ki ba talabothoi dar bolo qaydgardida javobgu nestand, hamchun mizoji qatori (muqarrari) shinokhta shuda, meyori foizi va digar sharthoi qarzdihi tibqi tartiboti amalkunanda peshnihod karda meshavad. Baroi qarzgirandagone, ki ba onho dar doirai nizomi darajabandi giriftani qarz ijozat doda shudaast, hangomi giriftani qarz bartarihoi zerin doda meshavad:

Guruhbandii mizojon az rui darajabandi

 

SHarti guruhbandii mizojon

(shumorai qarzhoi giriftashuda va pardokhtgardida)

Kohish dodani meyorhoi foizii amalkunanda az rui qarz Taminoti garavi

(imtiyoz baroi taminnokii amvoli gayrimanqul – dar sokhtori umumii garav)

Muhlati bastani SHartnomai generalii  qarzi
Darajai duyum az 3 to 4 qarz 1 bandi foizi Tibqi

Siyosati garavii

JSP «Alif Bonk»

≤  36 moh
Darajai yakum az 5 to 6 qarz 2 bandi foizi ≤  36 moh
Darajai oli ziyoda az 7 qarz 3 bandi foizi ≤  60 moh

16.6. Hamzamon ba mizojone, ki dar nizomi darajabandi shomil hastand imtiyozhoi zerin doda meshavad:

  • Muhlati barrasii darkhosthoi qarzi: Zud va kamtar az meyori muqarrargardida vobasta az mablagi qarz:
  • Davrai imtiyozi baroi pardokhti qarzi asosi: To shash moh, vobasta az namudi faoliyat va tibqi qarori Kumitai qarzi;
  • Muhlati peshnihodi qarz:

to 36 moh

Bo maqsadi tamin namudani shaffofiyati nizomi darajabandi, yak marotiba dar nimsola, az jonibi Kumitahoi qarzii vohidhoi amaliyotii Bonk, ruykhati qarzgirandagone tartib doda meshavad, ki imkon dorand ba nizomi darajabandi roh doda shavand. Ruykhati mazkur, baroi barrasi va tasdiqkunii minbada, ba Kumitai qarzii sathi oli peshnihod megardad. Badi az jonibi Kumitai qarzii sathi oli tasdiq shudani ruykhati qarzgirandagone, ki ba nizomi darajabandi roh doda shudaand, SHubai rushdi khizmatrasonihoi bonki in ruykhatro ba vohidhoi amaliyotii dakhldor, baroi istifoda burdan dar jarayoni judo namudani qarz, irsol menamoyad. Dar holate, ki agar qarzgiranda ba nizomi darajabandi roh doda shuda, uhdadorihoi az rui SHartnomai qarzi ba zimma giriftaashro rioya nakunad yo khud hangomi guzaronida shudani monitoring malum shavad, ki holati moliyavi – iqtisodii tijorati u bad shudaast, mizoji mazkur az ruykhati nizomi darajabandi khorij karda meshavad.

            Vakolati az ruykhati dar bolo zikrshuda, bo sababhoi bayongashta khorij namudani qarzgirandagon, ba zimmai SHubai rushdi khizmatrasonihoi bonki guzoshta meshavad. Hangomi az ruykhat khorij namudani mizoj, SHubai rushdi khizmatrasonihoi bonki ba tavri khatti ba vohidi amaliyotie, ki u az on jo qarz giriftaast doir ba daleli mazkur va sababhoi qabul shudani chunin qaror, khabar medihad.

  1. MUQARRAROTI HOTIMAVI

            Minbad bo nazardoshti tagyir yoftani talabot nisbati qarzguzori va sharoithoi pesh burdani tijorat, Nizomnomai mazkur, metavonad az jonibi SHubai rushdi khizmatrasonihoi bonki yo khud digar vohidhoi sokhtorii az jonibi Bonk vakolatdor muntazam, takmil doda shuda tagyirot ilovaho vorid karda shavand.

 

 

 

  1. ZAMIMAHO

Zamimai №1 Darkhosti qarzi baroi shakhsoni voqei

Zamimai №2(a) Darkhosti qarzi baroi sohibkoroni infirodi.

Zamimai №2(b) Darkhosti qarzi baroi shakhsoni huquqi

Zamimai №3 Muhlati nihoii barrasi namudani darkhosthoi qarzii qarzhoi korporativi

Zamimai № 2. Namunai tahlili qarzi(baroi qarzhoi khurdtarin to 20 000 doll. IMA)

Zamimai № 4 SHartnomai Zamonati

Zamimai № 5 SHartnomai garavi vositahoi pulli

Zamimai № 6 Sanadi bahoguzori ba masnuoti tillovori

Zamimai № 7 SHartnomai masnuoti tillovori

Zamimai № 7 (a) Zamima ba SHartnomai garavi masnuoti tillovori

Zamimai № 8 SHartnomai ba garav guzoshtani amvoli manqul va zakhirahoi moliyu moddi

Zamimai № 8(a) Zamima ba SHartnomai ba garav guzoshtani amvoli manqul va zakhirahoi moliyu moddi

Zamimai № 9 Sanadi tashkhis va bahoguzorii vositahoi naqliyot

Zamimai №10 SHartnomai qarzi

Zamimai №11 Sanadi bahoguzorii amvoli gayrimanquli ba sifati garav ba JDMM TAKH  «Standart moliya» guzoshtashavanda

Zamimai № 12 Peshnihoi qarzi baroi qarzhoi istemoli

 Zamimai № 13a Peshnihodi qarzi (baroi qarzhoi khurdtarin to 20 000 dollari IMA)

Zamimai № 13b Peshnihodi qarzi (baroi qarzhoi ziyoda az 20 000 dollari IMA)

Zamimai № 14 Paynavishti Kumitai qarzi

Zamimai № 15 Uhdadorii muhlatnok

Zamimai № 16 SHartnomai generalii qarzi

Zamimai № 17 Varaqai sanjishii parvandai qarzi (shakhsoni huquqi)

Zamimai № 17a Varaqai sanjishii parvandai qarzi (sohibkori infirodi)

Zamimai № 18 Sanadi istifodai maqsadnoki qarz

Zamimai № 19 Sanadi manitoringi meyori (baroi qarzhoi to 20 000 dollari IMA)

Zamimai №19(a) Sanadi manitoringi meyori (baroi qarzhoi ziyoda az 20 000 dollari IMA)

Zamimai № 20 Sanadi monitoringi favquloda

Zamimai № 21 Ogohinoma baroi khama namudi amvol № 1

Zamimai № 22 Ogohinoma baroi garavi amvoli gayrimankul № 2

Zamimai № 23 Ogohinoma baroi amvoli manqul (amvoli oroishi tillo, amvoli khona, tajhizot va gayra) № 2

Zamimai № 24 Ariza baroi tagyir dodani sharthoi qarzguzori

Zamimai № 25 Varaqai sanjishii rafti inkishofi hamkorii mutaqobila bo qarzgiranda

Zamimai № 26 Qarori Kumita oid ba qarzhoi mushkilsiton

Zamimai № 26a Sozishnomai ilovagi oidi az nav dida baromadani sharthoi shartnomai qarzi

Zamimai № 27 Paynavishti Kumitai qarzi doir ba shakhsi digar suporidani sanduqi qarzi

Zamimai № 28 Sanadi qabul va suporidani parvandahoi qarzi

Zamimai № 29 Malumotnoma oidi guzaronidani tashkhisi huquqii hujjathoi amvoli gayrimanquli ba garav suporidashavanda

Zamimai № 30 Qaror dar borai kushodani khatti qarzi

Zamimai № 31 Jurnali baqaydgirii darkhosthoi qarzi

Zamimai № 32 Tarikhi qarzi

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