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Taminoti qarz bo garav (Zalog)

 Siyosat va tartiboti taminot bo garav

Dar nihoyati kor khavfi qarzi hamesha az qobiliyati qarzpardozi doshtani qarzgiranda vobastagi dorad. Qobiliyati qarzpardozi doshtan az jonibi eksperti qarzi ba tavri daqiq hangomi tahlili qarzi arzyobi megardad.

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

garav

 Taminot bo garav tanho ba maqsadhoi zerin istifoda meshavad:

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

b) Kam kardani khavfi vayron kardani 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;

d) Baroi rioya namudani dasturhoi dokhilii nizomi bonki;

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

Namudho va bahoguzori ba taminnoki bo garav

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 nopurra talabothoi Nizomnomai mazkur va Kumitai qarziro qone megardonad, qarz ba tavri ilovagi bo shartnomai zamonati/maktubi kafolati (Zamimai №4) tamin karda meshavad. SHakhsi zamonatdeh boyad obruyu etibori khub, daromadi doimii moliyavi va munosibati doimii zich bo qarzgiranda doshta boshad. Masala doir ba peshnihodi kafolatdeh/zamonatdeh az jonibi Kumitai qarzi bo tartibi alohida hal karda meshavad.

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

Namudhoi qarz Namudhoi garav / taminot
 

 

 

 

Qarzhoi to 10000 dollari IMA yo mubodilai on bo digar asorho

§  Vositahoi puli (muhosira kardani (blokirovka) hisobi depoziti)

§  Masnuoti tillovori

§  Amvoli gayri manqul (meyori minimalii taminnoki boyad ba talabothoi Siyosati garavii JDMM TAQH “Standart robita” javobguy boshad)

§  Amvoli manqul (meyori minimalii taminnoki boyad ba talabothoi Siyosati garavii JDMM TAQH “Standart robita”   javobguy boshad)

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

 

 

 

Qarzhoi ziyoda az 10000 dollari IMA yo mubodilai on bo digar asorho

§  Vositahoi puli (muhosira kardani (blokirovka) hisobi depoziti)

§  Masnuoti tillovori

§  Amvoli gayri manqul, bo barasmiyat darovardani shartnomai garav dar idorai notariali (meyori minimalii taminnoki boyad ba talabothoi Siyosati garavii JDMM TAQH “Standart robita”  javobguy boshad)

§  Amvoli manqul (meyori minimalii taminnoki boyad ba talabothoi Siyosati garavii JDMM TAQH “Standart robita”   javobguy boshad)

§  Kafolati bonk va / yo digar tashkilotho.

 

 

 

Arzishi garav va hajmi mablagi qarz boyad dar tanosubi mutanosiba doshta  boshand va in mutanosibi dar “Siyosati garavii JDMM TAQH “Standart robita”” ovarda shudaast. Dar holati vorid shudani tagyirotu ilovaho ba siyosati garavii tashkilot, qabuli amvoli garavi peshnihodmeshuda az rui in siyosat ba roh monda meshavad.

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 – eksperti qarzie, ki darkhosti qarzgirandaro barrasi menamoyad, rohbariyati vohidi amaliyotii Bonk (sardor va/yo jonishini sardor va/yo rohbari bakhshi bonkdorii korporativi) 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 Dasturamali №__________Oidi tartibi guzaronidani tashkhis, bahoguzori va bagaravgirii masnuoti zargari dar JDMM TAQH “Standart robita” 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 taminoti garavi, Bonk tavonad dar muddati na beshtar az 1 – 3 moh onro ba hisobi pardokhti qarz va mablaghoi ba on vobasta furushad.

Baroi qarzhoi kamtar az 10 000 dollari IMA zarur nest, ki bo garav dar shakli amvoli gayri manqul tamin boshand. Ammo na kamtar az 50 % mablagi qarz boyad bo garavi ustuvor dar shakli vositahoi puli yo masnuoti tillovori tamin karda shavad.

Qarzhoe, ki az 10 000 dollari IMA beshtar meboshand, boyad bo garavi ustuvor, dar shakli amvoli gayrimanqul yo khud bo garavi az jihati sifat barobar (ba garav guzoshtani masnuoti tillovori va / yo vositahoi puli, kafolati barobarkardashuda ba JDMM  «Standart robita», bonkhoi vatani va / yo bonkhoi khoriji) va dar barobari in arzishi garavii amvoli gayrimanqul yo khud garavi az jihati sifat barobar, boyad ba hajmi qarzi doda shavanda barobar yo khud az on beshtar boshad. Ba istisnoi holate agar arzishi amvoli gayrimanquli ba sifati garav peshnihodshavanda  nisbati mablagi qarz tanosubi az du karata ziyod doshta boshad,  ongoh  imkon doda meshavad, baroi qarzhoi khurdi mablagashon to 15 000 dollari IMA va yo mubodilai on bo digar asor hamchun taminnoki 75% az mablagi qarzi mavodhoi tillovori girifta shavad.

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)  

Tibqi Siyosati garavii JDMM TAQH “Standart robita”

2 Amvoli manqul (tajhizot)

Barasmiyat darovardani garav

Zamonatdihii shakhsoni voqei va shakhsoni huquqi

Hangomi barasmiyat darovardani shartnomai zamonati, eksperti 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 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. Digar zamonatho, makhsusan az jonibi qarzgiranda ba zomin dodashuda yo az jonibi zomin qabul shuda, boyad muayyan karda shavand va tahlil gardand. Ba hamin khotir, boyad dar shartnomai zamonati ezohoti dakhldor joy doshta boshand. Tanho bo qarori Kumitai qarzii sathi oli, Rayosati JDMM  «Standart robita» ba istisno ijozat doda meshavad.

b) SHakhsiyati zomin bo hamon tartibote, ki shakhsiyati qarzgiranda – darkhostdihanda 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 – darkhostdihanda 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 eksperti 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 Tashkilot, ki qarzi mazkurro medihad joygir karda shuda boshand.

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

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

g) Az rui pasandozi guzoshtashuda, ba qarzgiranda tanho foizi muqarrari baroi pasandoz, muvofiqi meyorhoi foizii baroi pasandozhoi qarzgirandagon muqarrar namudai Bonk, dar lahzai basta shudani SHartnomai garavi vositahoi puli, doda meshavad.

d) Pasandozi dar hisob guzoshta shuda, naboyad az hajmi umumii mablagi se voridkuni az rui qarz, kamtar boshad.

e) Tasdiqnoma doir ba basta shudani hisob, boyad dar parvandai qarzii qarzgirandai dakhldor dukhta shavad.

j) Dar SHartnomai ba garavi vositahoi puli boyad gufta shavad, ki dar holati batakhiraftii pardokht, ba khotiri dar vaqti dilkhoh talabothoi kheshro nisbat ba qarzgir ijro namudan, Tashkilot imkoniyati dastrasiro ba hisobi pasandozi dorad.

z) Az muhosira ozod namudani mablagi pasandozi ba sifati taminoti qarz guzoshtashuda, tanho badi pardokhti purrai uhdadoriho az tarafi mizoj va dar muvofiqa bo Mudiriyati qarzdihi va rushdi mahsulothoi bonki, guzaronida meshavad.

Masnuoti tillovori va / yo javohirot

Tibqi Dasturamali №____________ “Oidi tartibi guzaronidani tashkhis, bahoguzori va bagaravgirii masnuoti zargari dar JDMM “Standart robita“” 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 Tashkilot ba sifati garav az rui qarz suporida shavand:

a) Sifat va vazni masnuoti tillovori boyad az jonibi zargari ikhtisosmand bahoguzori shavad, ki bo u vohidi sokhtorii amaliyotii Tashkilot doir ba peshnihod namudani khizmatrasoniho ba qarzgirandagoni Tashkilot shartnoma bastaast. 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 eksperti qarzie, ki dida baromadani darkhosti qarzii mazkurro ba zimma dorad,  imzo guzoshta meshavad. Sanadi tartibdodashudai az jonibi hamai tarafho imzo gardidai masnuoti tillovori, ba khazinai Tashkilot suporida shuda, nuskhai in Sanad dar yakjoyagi bo orderi voridoti gayritavozuni, dar parvandai qarzii qarzgiranda dukhta meshavad.

b) Boyad bahoguzori hatman dar huzuri eksperti qarzi va sohibi masnuoti tillovori, bo nazardoshti arzishi metalli masnuoti ba garav guzoshta shuda 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 Tashkilot, mahfuz nigoh doshta shavand.

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

Kafolati bonkho,  muassisai krediti va tashkiloti sugurta

Bonk metavonad kafolati digar bonkho yo muassisahoro (minbad tashkilotho) qabul namoyad:

a) In tashkilotho metavonand vatani va muassisahoi khoriji boshand. Tanho kafolatdihii on tashkilothoe 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 tashkilotho, 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 tashkilot medihad, talab menamoyad.

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

g) Kafolati tashkilot boyad kafolate boshad, ki kafolatdehro vazifador namoyad uhdadorihoyashro be chunu charo va bo davati yakum, ijro namoyad.

d) 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, komissiyaho va digar talabotho dakhl dorad.

e) Kafolat boyad az jonibi namoyandai vakolatdorshudai tashkilot ba imzo rasad,

j) 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 (pardokhtpazir), bo tartibi zerin metavonad ba sifati garav qabul karda shavad:

a) Eksperti 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 narkhguzori shudai amvoli ba garav guzoshta shuda, boyad dar Zamima ba shartnomai ba garav guzoshtani amvoli manqul (Zamimai № 8(a)), darj gardand.

 Avtomobilho

Tashkhisi garavii vositahoi naqliyoti tibqi Tavsiyahoi metodi oidi guzaronidani tashkhisi garavii moshinho, tajhizotho va vositahoi naqliyoti dar JDMM TAQH “Standart robita” №_______ 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) Eksperti 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, bonk inchunin boyad tahlili mushakhkhasoti tekhniki, soli barorish va holati umumii avtomabilro guzaronad.

d) Bahaguzori boyad dar Sanadi tashkhis va bahoguzorii vositai naqliyot darj gardad (Zamimai № 9). (Tibqi talabothoi Siyosati garavii Bonk)

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 Tavsiyahoi metodi oidi guzaronidani tashkhisi garavii moshinho, tajhizotho va vositahoi naqliyoti dar JDMM TAQH “Standart robita”, №________ guzaronida meshavad. Hangomi ba sifati taminot bo garav peshnihod namudani tajhizot, darkhostdihanda boyad huquqi sohibmulkiashro ba tajhizoti dakhldor isbot namoyad va ba Tashkilot 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.

Eksperti 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 jori, khurdashavii peshbinishavanda va narkhi (bozorii) ba furush raftani onhoro, dar davrai amali shartnoma, ba inobat girad. Dar rafti guzaronidani bahoguzori, Tashkilot inchunin boyad tahlili mushakhkhasoti tekhniki, soli barorish va holati umumii tajhizotro guzaronad. 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 Tashkilot mahfuz nigoh dorad. In amal furukhtani chunin navi garavro tamin menamoyad va huquqhoi tashkilotro nisbat ba on hifz mekunad.

 Ba garav guzoshta shudani amvoli gayrimanqul

Tashkhisi obekthoi ehtimolii garav (amvoli gayrimanqul) tibqi Dasturamal oidi tashkhis va bahodihii obekthoi ehtimolii garav dar JDMM TAQH “Standart robita”, _______ guzaronida meshavad. Tanho on vaqt Bonk boyad amvoli gayrimanqulro ba sifati taminot bo garav qabul kunad, ki agar Bonk nisbat ba on huquqi darajai yakum girifta boshad.

Agar arizadihanda 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.

Eksperti qarzi hamai hujjathoi dar bolo zikr shudaro jamovari namuda, bad az giriftani khulosai huquqii Mudiriyati huquq boyad doir ba purragii huquqi va moddii onho, bovari hosil namoyad. Bo talabi Kumitai qarzi, eksperti qarzi sugurta shudani garavro tasdiq menamoyad. Sipas eksperti qarzi SHartnomai qarzi (Zamimai №10), Sanadi bahoguzori ba amvoli gayrimanqulro (Zamimai №11, 11a) omoda menamoyad. Bonk bahodihii amvolro bo quvvai khudi yane bo vositai sokhtori makhsusi dakhldor va yo shakhsoni masul meguzaronad. Dar barobari in bonk boyad meyori jorii arzishi barhamdihi, farsudashavii peshbinishavanda va narkhi (bozori) furukhtashaviro dar davrai amali qarz, ba rohbari girad. Dar holati norozigii tarafho bonk metavonad narkhguzoriro bo yorii narkhguzori mustaqil guzaronad. Eksperti qarzi boyad bovari hosil namoyad, ki amvoli gayri manqul dar doirai digar SHartnoma ba garav guzoshta nashudaast. 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 shudani shinosnomai tekhniki va hujjathoi isbotkunandai huquqi sohibmulkiro tasdiq menamoyad.

Hujjatguzorii ilovagi doir ba taminnoki bo garav

SHartnoma oid ba garav boyad hamai moddahoi garavro, ki baroi tamin namudani qarz ravona shudaand (ba gayr az molhoi dar gardish buda / zakhirahoi moli, ki bayoni khislati molhoi ba garav guzoshta shuda / zakhiraho basanda ast), khotirnishon sozad.

SHartnomai qarzi boyad ba hamai shartnomaho oid ba taminoti qarz, isnod doshta boshad.

Nuskhahoi aslii hujjatguzoriho doir ba taminoti garavi, boyad baroi mahfuz nigoh doshtan dar shubai yakumi Saridorai bonk, khazinai filialhoi 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, ba istisnoi dar bandi 7.2.8. sharh doda shuda, Kumitai qarzi metavonad, doir ba sugurtakuni va az jonibi notarius ba qayd giriftani taminot bo garav, qaror qabul namoyad.

PESHNIHODI QARZI-OMODA NAMUDANI NATIJAI TAHLIL BAROI BARRASI BA KUMITAI KARZI

Muqaddimai peshnihodi qarzi

Bad az guzaronida shudani tahlili tijorati qarzgiranda va khojagii manzilii u, eksperti qarzi masuliyati tahiya namudani peshnihodi qarziro ba dush dorad, ki boyad bo shakli muvofiq tartib doda shuda boshad (Zamimahoi №12 , № 13, 14). In hujjatho baroi barrasi ba Kumitai qarzi peshnihod karda meshavand.

Kriteriyahoi peshnihodi qarzi

Dar peshnihodi qarzii khesh eksperti 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 Tashkilot yo digar instituthoi moliyavi mavjud budai shakhsi darkhostdihanda.

d) Baho dodan ba taminoti garavii peshnihodshuda.

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

j) 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).

Usuli darajabandi

In usul az hama mekhanizmi muhimi havasmandgardoni dar judo namudani qarz meboshad. On sababi nazorati zaruri burdan az rui khavfi qarzi meboshad va havasmandgardonii qarzgirandaro, 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 usuli darajabandi nisbat ba in yo on qarzgiranda, tartibi tahlili qobiliyati pardokht doshtani qarzgiranda, be tagyir boqi memonad.

Qarzgirandagone, ki bori avval ba bonk murojiat kardaand, darkhosti chunin qarzgirandagon muvofiqi qobiliyati pardokhtpazirii onho qone gardonida meshavand.

Eksperti qarzi boyad in usulhoro rioya kunad va ba tavri muvofiq peshnihodi qarzii kheshro tartib dihad.

Kumitai qarzi boyad az rui tatbiq shudani usuli darajabandi, nazorat kunad.

Malumoti nisbatan purra doir ba nizomi darajabandi, dar Bobi 18 Nizomnomai mazkur ovarda shudaast.

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