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Tartibi peshnihodi qarzhoi istemoli

MUQARRAROTI UMUMI

  1. Tartibi peshnihodi qarzhoi istemoli va ipoteki ba kormandoni JSP «Bonki Tojikiston» (minbad-Tartibot), dar asosi hujjathoi amalkunandai dokhilinizomii qarzdihi tahiya shudaast, ki tartibi peshnihodi qarzhoro bo foizi imtiyoznok ba kormandoni JSP «Bonki  Tojikiston» (minbad-Bonk) ba nizom medarorad.
  2. Qarzhoi imtiyoznok ba kormandoni Bonk bo maqsadhoi zerin doda meshavand:

Qarz

  • Qarz baroi ehtiyojoti zaruri;
  • Qarzi ipoteki baroi kharidan va yo sokhtmoni manzili istiqomati;
  1. Tibqi talaboti moddahoi 1 va 31 Qonuni Jumhurii Tojikiston «Dar borai faoliyati bonki» va moddai 53 Dasturamali Bonki millii Tochikiston №176 «Dar borai tartibi tanzimi faoliyati tashkilothoi qarzi», ki guzaronidani amaliyothoi faol va munosibathoi tarafayni shakhsi vobastai Bonkro ba tanzim medarorad, muqarraroti zerin muayyan karda shudaast.
  2. Ba shakhsoni vobasta shakhsoni zerin mansuband:

a)  kormandi rohbarikunanda;

b) azoi oilai kormandi rohbarikunanda;

v) shakhs va azoi oilai u, ki dar tashkiloti qarzi hissai ishtiroki

afzaliyatnok dorad va har guna shakhsi huquqie, ki dar on shakhs yo kormandi rohbarikunanda doroi hissai ishtiroki afzaliyatnok meboshad;

g) shakhsi huquqie, ki dar on tashkiloti qarzi hissai ishtiroki afzaliyatnok doshta, hangomi omodasozii hisoboti moliyavii majmui ba inobat girifta nameshavad;

Ezoh: Hissai ishtiroki afzaliyatnok – hissai ishtiroki bevosita yo

bavositai shakhse, ki mustaqilona yo tavassuti yagon kas yo yakjoya bo yak yo beshtar shakhson doroi ziyoda az dah foizi sarmoyai oinnomavi yo sahmiyahoi ovozdihandai tashkiloti qarzi meboshad yo hissai ishtiroki afzaliyatnoke, ki onro Bonki millii Tojikiston muayyan kardaast.

SHakhsi aloqamand – shakhsoni zerin dar nazar doshta meshavand:

a) azoi SHuroi noziron;

b) kormandoni rohbarikunanda;

v) kormandoni masuli tashkiloti qarzi, az on jumla: rohbaroni departamentu idoraho;

g) shakhsi voqeii doroi hissai ishtiroki afzaliyatnok dar tashkiloti qarzi;

d) azoi oilai shakhsoni aloqamand (tibqi zerbandhoi “a”, “b”, “v” va “g”);

e) shakhsi huquqie, ki hissai ishtiroki afzaliyatnok dar tashkiloti qarzi dorad;

yo) digar shakhsi huquqie, ki dar on shakhsoni aloqamand (tibqi zerbandhoi “a”, “b”,

“v”, “g”, “d” va “e”) hissai ishtiroki afzaliyatnok dorand;

j) digar shakhsi huquqie, ki dar on tashkiloti qarzi hissai ishtiroki afzaliyatnok dorad, inchunin kormandoni rohbarikunandayu masuli in shakhsi huquqi va azoi oilai onho.

Tashkiloti qarzi nametavonad bo shakhsoni aloqamand amaliyothoi zerinro guzaronad, agar:

– qarz va digar amaliyotho, ki sharthoi onho az jonibi SHuroi noziron yo dar holati filiali bonki khoriji budan, az tarafi rohbari on maqul donista nashavad;

– foiz va haqqi khizmatrasonii giriftashavanda az rui qarz va digar amaliyotho az meyori bozorii amalkunanda baroi chunin amaliyotho pasttar boshad;

– foiz va haqqi khizmatrasonii pardokhtshavanda az rui amonat (pasandoz) va digar amaliyotho az meyori bozorii amalkunanda baroi chunin amaliyotho ziyodtar boshad.

– muhlati qarz, barasmiyatdarorii on va sifati garav az qarzhoi mavjuda mohiyatan farq doshta boshad;

– muhlati amonat (pasandoz) va shartu sharoiti on az digar amonathoi (pasandozhoi) mavjudbuda mohiyatan farq doshta boshad;

– qarzi ba kormandoni rohbarikunandai tashkiloti qarzi dodashuda, az jumla har guna qarzi az tarafi yak yo yakchand bonki farii tashkiloti qarzi dodashuda az si foizi daromadi solonai in shakhs ziyod boshad.

Mahdudiyathoi foizii mazkur ba qarze, ki bo garavi gayrimanquli dar Jumhurii Tojikiston voqegardida tamin meboshad va arzishi on na kamtar az yaksadu si foizi mablagi qarzi asosiro tashkil medihad, tatbiq namegardand.

  1. Dar davomi du soli avvali faoliyati tashkiloti qarzi dodani qarz ba shakhsoni aloqamand man ast.
  1. Bonk dar vaqti intikhobi dovtalabon baroi giriftani qarzi vobasta, hatman, ahamiyatnokii mutakhassisro baroi Bonk vobasta az darajai takhassusi va masuliyatnokii u dar samti faoliyatash va inchunin natijai jorii faoliyati mehnatii uro ba nazar megirad.
  2. Qarzi imtiyoznok ba kormandi Bonk dar holathoi zerin judo karda nameshavad:

–  ba kormande, ki qarzi jorii bonki dorad (ba istisnoi ijozat az tarafi Kumitai sathi olii Bonk);

–  ba kormande, ki dar JSP “Bonki Tojikiston” tajribai korii bonki kamtar az 1 (yak) sol  dorad (ba istisnoi ijozat az tarafi Kumitai sathi olii Bonk);

–  ba kormande, ki doroi jazoi mamuri meboshad;

– ba kormande, ki ziyoda az 30% muzdi maoshash baroi pardokhti digar uhdadoriho ravona karda meshavad.

  1. Qarz ba kormandoni Bonk dar asosi shartnoma bo sharthoi bargardoni, taminnoki, muhlatnoki, pardokhtpaziri, va istifodabarii maqsadnok bo asori milli va khoriji ba tavri naqdi va yo gayrinaqdi peshnihod karda meshavad.
  2. Hama namud qarzhoi dar tartibi mazkur nishondodashuda, ba kormandoni Bonk bo andozai 20 foizi solona peshnihod karda meshavand. Dar holathoi alohida vobasta ba ahamiyatnokii kormand va havasmandii u, Raisi Bonk metavonad andozai foizi qarzro infirodan mukarrar namoyad.
  3. Hangomi halli masalai peshnihodi qarz, holati moliyavi, sinnu sol, imkoniyati dar muhlati muayyangashta bargardonidani qarz va foizhoi on, bo rioya kardani hujchathoi meyorii dar bolo muqarrarshuda, ba nazar girifta meshavad.
  4. Pardokhti qarz va foizhoi on, dar asosi naqshai pardokht, ki qismi judonashavandai shartnomai qarzi ba hisob meravad, ba roh monda shuda, bo rohi nigoh doshtan az haqqi harmohai muzdi maosh va yo digar pardokhthoi kormand va yo dar holathoi istisnoi, ki tanho Kumitai sathi oli ijozat doda metavonad ba tavri naqdi tavassuti hazinai Bonk amali karda meshavad.
  5. Dar holate, ki mablagi voridshuda baroi pardokhti qarz va foizhoi on muvofiqi shartnomai amalkunanda nokifoya boshad, avvalan mablagi foizhoi hisobshuda pardokht karda shuda, badan qarzi asosi pardokht karda meshavad.
  6. Hangomi barrasii darkhosthoi qarzi baroi peshnihodi qarzhoi istemoli va ipoteki ba kormandoni Bonk muqarraroti zerin boyad rioya karda shavad.
  • Har yak kormandi Bonk huquq dorad yak marotiba dar yak sol az giriftani qarzhoi istemoli va ipotekii imtiyoznok istifoda barad;
  • peshnihodi qarzhoi ipoteki dar tamomi nizomi Bonk ba andozai na ziyoda az 500 000 (Panjsad hazor) somoni dar yak moh;
  • peshnihodi na ziyoda az 5 (panj) qarzi istemoli dar yak moh;
  • rozigi va tasdiqi rohbari bevositai kormand baroi qarzhoi imtiyozi hatmist;
  • Hangomi bo hohishi khud az nizomi JSP «Bonki Tojikiston» az kor raftan, foizi qarzi imtiyoznoki peshnihodshuda ba foizi qarzhoi muqarrari ivaz karda meshavad. Dar in holat, pesh az imzo shudani farmon boyad bo kormand sozishnomai ilovagi oidi tagyir dodani foizi qarz barasmiyat darovarda shavad. Inchunin talaboti mazkur dar shartnomai qarzi niz boyad darj karda shavad.
  1. Hamai namudhoi qarzhoi ba kormandoni nizomi JSP «Bonki Tojikiston» peshnihodshavanda az jonibi Mudiriyati rushdi khizmatrasonihoi bonki mavridi tahlil qaror doda shuda, zeri nazorat girifta meshavand. Tanho Raisi bonk huquqi ba shakli qisman soddakardashudai hujjatguzori va yo berun az tartiboti mazkur judo namudani qarzhoro dorad. 

QARZ BAROI EHTIYOJOTI ZARURI

  1. Qarz baroi ehtiyojoti zaruri bo maqsadi tamiri manzil, badastovarii ashyoi zarurii khona, guzaronidani chorabiniho va digar maqsadhoi istemoli, pardokhti haqqi tahsil dar makotibi miyona va oli, muolijai tibbi va gayra dar asosi ariza va peshnihod kardani hujjathoi zaruri ba muhlati to 3-sol bo nazardoshti tahlili daromadi mohonai kormand, judo karda meshavad. Hangomi barrasii ariza oidi muayyan namudani mablagi qarzi judoshavanda, na ziyoda az 50%-i mablagi umumii daromadhoi rasmii kormand (muzdi mehnat va digar daromadhoi ilovagii rasmi) ba inobat girifta meshavad.
  2. Dar in holat taminnokii qarzi darkhostshuda, boyad bo zamonati shakhsoni voqei, ki qobiliyati khubi pardokhtpaziri (sathi daromad) dorand yo tahti garavi pasandozi khudi qarzgiranda va yo shakhsi seyum, masnuoti tillovori dar mutobiqati qatii tartiboti amalkunandai qarzguzori, tamin karda shavad.
  1. In namudi qarz pas az dastgiri yoftani on dar Kumitai qarzii sathi oli va ba imzo rasonidani shatrnomai qarzi, az tarafi Mudiriyati amaliyotii Saridora ba hisobi pasandozii kormand dar vohidi sokhtorie, ki u dar on faoliyat mekunad, guzaronda meshavad.

Ezoh: Dar holati ba imzo rasonidani shartnomai qarzi bo kormandone, ki dar vohidhoi sokhtorii durdast kor mekunand, nuskhai shartnomai qarzi az jonibi kormand imzo karda shuda, tariqi pochtai elektroni ba surogai kormandi qarzii Mudiriyati amaliyoti firistoda meshavad. Nuskhai aslii shartnoma az jonibi kormand imzo gardida, dar muddati na dertar az 7 ruz ba Mudiriyati amaliyoti rasonida meshavad.

  1. Bad az peshnihodi qarzhoi mazkur, az jonibi mutakhassisi qarzii sokhtori amaliyoti, ki dar on qarz peshnihod karda shudaast, sanad oidi istifodabarii maqsadnoki qarz tartib doda meshavad, ki dar on tainot va kharojoti aslii mablagi qarzi giriftashuda mufassal darj karda meshavad. 

QARZI IPOTEKI BAROI HARIDAN VA YO SOHTMONI MANZILI ISTIQOMATI

  1. Qarzi ipoteki baroi kharidan va yo sokhtmoni manzili istiqomati (minbad-qarz) ba kormandone, ki ziyoda az 7 soli tajribai korii bonki va na kam az yak soli kori dar JSP “Bonki  Tojikiston” dorand va baroi behtar kardani sharoiti manzilii khud niyoz dorand, bo rioyai qatii tartiboti mazkur, peshnihod megardad.
  2. 20. Qarz ba muhlati to 5 bo nazardoshti tahlili daromadi mohonai kormand, judo karda meshavad. Hangomi barrasii ariza oidi muayyan namudani mablagi qarzi judoshavanda, na ziyoda az 50%-i mablagi umumii daromadhoi rasmii kormand (muzdi mehnat va digar daromadhoi ilovagii rasmi) ba inobat girifta meshavad.
  3. 21. Baroi giriftani qarz kormand bo ariza ba nomi Raisi Bonk murojiat namuda, dar on maqsad va hajmi mablagro darj menamoyad.
  4. 22. Hangomi peshnihod kardani ariza baroi giriftani qarz, bo maqsadi kharidan va yo sokhtmoni manzili istikomati, ba gayr az hujjathoi omodashuda, ba tavri hatmi boyad maktubi darkhosti bo imzoi rohbari filiale, ki kormand dar on faoliyat mekunad, zamima gardad.
  5. 23. Mudiriyati amaliyoti arizai voridshudai kormandro ba Kitobi qaydi navbat baroi giriftani qarz qayd namuda, hangomi rasidani navbat onro baroi barrasii minbada dar Kumitai qarzii sathi oli irsol menamoyad.
  6. 24. Dar holate, ki az jonibi qarzgiranda hujjathoi peshnihodgashta ba tartibot va meyorho muvofiqat nakunand, yo dar shakli zaruri ba tartib ovarda nashuda boshand, Mudiriyati amaliyoti hujjathoro ba arizadihanda bo sababi ba tartibot muvofiq nabudan, barmegardonad.
  7. 25. Mudiriyati amaliyoti hangomi peshnihodi qarzhoi imtiyoznok hatman ahamiyatnokii mutakhassisro dar samti faoliyati koriash va natijahoi jorii faoliyatashro ba nazar girifta, dar asosi peshnihodi khattii Rohbari qarzgiranda dar doirai talabothoi joydoshta peshnihodi qarziro barrasi menamoyad.
  1. 26. Qarz baroi kharidan va yo sokhtmoni manzili istikomati chi baroi kormandoni Saridorai Bonk, va chi ba kormandoni digar sokhtorhoi amaliyotii Bonk, novobasta az mansubiyati joygirshavii mintaqavi, qatiyan az tarafi Mudiriyati amaliyoti dar asosi karori Kumitai qarzii sathi olii Bonk (dar holathoi alohida, bo ijozati SHuroi noziron) peshnihod karda meshavad.
  2. 27. Hangomi giriftani qarz baroi sokhtmoni manzil, kormand boyad hujjathoi zaruriro az tashkilothoi marbuta (qaror dar borai judo namudani qitai zamin, ijozatnoma baroi sokhtmoni manzil va g.), peshnihod namoyad.
  3. 28. Hangomi peshnihodi qarzi ipoteki baroi kharidan va yo sokhtmoni manzili istiqomati dar mutobiqat ba moddai 16 Qonuni Jumhurii Tojikiston tahti № 365 «Dar borai ipoteka», manzili badastovardashuda va yo sokhtashuda, manbai taminoti garav ba hisob meravad. Dar holathoi sokhtmoni manzil, hangomi anjom dodani jarayoni sokhtmoni hona va istifodabarii honai istiqomati, boyad garavi fosilavii (ilovagi) peshnihod karda shavad.
  4. 29. Narkhi amvoli ba garav guzoshtashavanda az tarafi komissiyai bahoguzorii Bonk muayyan karda meshavad va boyad ba hajmi mablagi qarz, foizhoi on va mablagi harojoti baroi amali kardani amvoli dar garav mondashuda, muvofiqat kunad.
  5. 30. Bo nazardoshti arizahoi az jonibi kormandon peshnihodshuda, baroi qarzhoi dar bolo darjgashta, hajmi solonai mablagi judoshavanda az tarafi Rayosati Bonk muayyan karda meshavad.
  6. 31. Nazorati bevosita az rui istifodabarii maqsadnoki qarz, pardokhti on va hama tartiboti mukarrarshudai qarzdihi, ba Mudiriyati amaliyoti voguzor karda meshavad.

HOTIMA

Tartiboti mazkur bo maqsadi havasmandgardonii kormandoni Bonk tahiya gardida, dar on sharthoi asosii qarzguzori darj karda shudaast. Tartibi barasmiyatdarorii hujjathoi zaruri hangomi peshnihodi qarz dar Nizomnoma «Oid ba qarzguzori dar JSP «Bonki Tojikiston» ovarda shudaast. Qayd kardan zarur ast, ki kormandoni Bonk naboyad az imtiyozhoi mukarargardida istifoda burda, bo maqsadhoi az tartiboti mazkur berun qarz dastras namoyand. Dar holati muayyan shudani chunin holat, Bonk metavonad bo kormand karordodi mehnatiro bekor karda, pardokhti pesh az muhlati qarzro talab namoyad.

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