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Sitonidani taminoti garavii manqul

Taminoti garavii manqul dar se holat sitonida meshavad:

      a) Agar qarzgiranda bo tartibu intizomi khud nishon medihad, ki u niyat nadorad bo bonk hamkori namoyad;

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

amvol-sitonidan

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

Dar in marhila eksperti qarzi naboyad bo qarzgiranda bahsu munozira kunad, u boyad tanho ravad va dar doirai shartnomahoi bo qarzgiranda 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 shavad. Jonibi doda istoda (garavdeh) va jonibi qabul karda istoda (Bonk, dar shakhsi eksperti qarzi va digar kormandi on) dar in Sanadi qabul va supurd imzo meguzorand.

Hangomi sitonidani amvoli ba garav guzoshta shuda, boyad haddi aqal du kormandi bonk – eksperti 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 qarzgiranda (manzili istiqomatii qarzgiranda, mahalli tijorati u va gayra) baroi nigahdori ba binoi Tashkilot meguzarad.

Sanadi qabul va supurd dar du nuskha barasmiyat darovarda shuda, yak nuskhai on ba parvandai qarzii qarzgiranda dukhta shuda, nuskhai duyumash ba shakhsi garavdeh doda meshavad.

Furushi ashyohoi garav,  ba hisobi pardokhti qarzi batakhir aftoda, bad az qabul gardidani qarori dakhldori Kumitai qarzi, dar marhilai nisbatan dertar, bo rioya namudani tartiboti dar Tashkilot amalkunanda va qonunguzorihoi Jumhurii Tojikiston, surat megirad.

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

Furukhtani amvoli ba garav guzoshtashuda

Amvoli ba garav guzoshta shudaro metavon bo du roh furukht:

a) Bo rohi muvofiqa namudan bo qarzgiranda:

– Dar in holat yo qarzgiranda yo khud tashkilot, 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 qarzgir / 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 garavdeh.

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

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

– Mablaghoi voridshavanda, bo tartibi zerin baroi pardokhtani 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. Dar holati rizo nashudani qarzgiranda bo tartibi furush yo musodira namudani garav, baroi kumak ba Mudiriyati huquq murojiat namudan zarur ast.

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