{"id":2823,"date":"2021-09-06T10:17:10","date_gmt":"2021-09-06T05:17:10","guid":{"rendered":"https:\/\/qoraqalpogiston.sud.uz\/?p=2823"},"modified":"2021-09-29T21:19:21","modified_gmt":"2021-09-29T16:19:21","slug":"qamsizlandiriw-shartnamasi","status":"publish","type":"post","link":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/archives\/2823","title":{"rendered":"Qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131"},"content":{"rendered":"

Qams\u0131zland\u0131r\u0131w puqara yaki yuridik shaxst\u0131\u0144 (qams\u0131zlan\u0131wsh\u0131) qams\u0131zland\u0131r\u0131w sh\u00f3lkemi menen (qams\u0131zland\u0131r\u0131wsh\u0131) menen d\u00fazetu\u01f5\u0131n m\u00falkiy yaki jeke m\u00falkiy qams\u0131zland\u0131r\u0131w sh\u00e1rtnamalar\u0131 tiykar\u0131nda \u00e1melge as\u0131r\u0131lad\u0131.<\/p>\n

Qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131 jazba t\u00farde d\u00faziliwi laz\u0131m. Bul talapqa \u00e1mel q\u0131lmasl\u0131q sh\u00e1rtnaman\u0131\u0144 haq\u0131yq\u0131y sanalmasl\u0131\u01f5\u0131na sebep bolad\u0131.
\nQams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131n\u0131\u0144 t\u00e1replerini\u0144 biri (qams\u0131zlan\u0131wsh\u0131) qatnas\u0131q uq\u0131pl\u0131l\u0131\u01f5\u0131na iye bol\u01f5an fizikal\u0131q yaki yuridik shaxs, ekinshi t\u00e1rep (qams\u0131zland\u0131r\u0131wsh\u0131) bolsa kommerciyal\u0131q sh\u00f3lkem esaplan\u01f5an h\u00e1m tiyisli t\u00fardegi qams\u0131zland\u0131r\u0131wd\u0131 \u00e1melge as\u0131r\u0131w\u01f5a licenziyas\u0131 bol\u01f5an yuridik shaxslar bol\u0131w\u0131 m\u00famkin.
\nM\u00falkiy qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131na muwap\u0131q qams\u0131zland\u0131r\u0131wsh\u0131 qams\u0131zland\u0131r\u0131w h\u00e1diysesi j\u00faz bergende qams\u0131zlan\u0131wsh\u0131\u01f5a bul h\u00e1diyse aq\u0131betinde qams\u0131zland\u0131r\u0131l\u01f5an m\u00falkke jetkerilgen ziyand\u0131 yamasa qams\u0131zlan\u0131wsh\u0131n\u0131\u0144 basqa m\u00falkiy m\u00e1pleri menen baylan\u0131sl\u0131 ziyand\u0131 sh\u00e1rtnamada belgilengen summa she\u0144berinde t\u00f3lew minnetlemesin alad\u0131.<\/p>\n

M\u00falkiy qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131 boy\u0131nsha t\u00f3mendegiler qams\u0131zland\u0131r\u0131l\u0131w\u0131 m\u00famkin:
\nmal-m\u00falkti\u0144 joyt\u0131l\u0131w\u0131 (nab\u0131t bol\u0131w\u0131), kemis sh\u0131\u01f5\u0131w\u0131 yaki ziyanlan\u0131w\u0131 q\u00e1wpi;
\npuqaral\u0131q juwapkershiligi q\u00e1wpi-basqa shaxslard\u0131\u0144 \u00f3miri, den- sawl\u0131\u01f5\u0131 yaki mal-m\u00falkine ziyan keltiriliwi aq\u0131betinde j\u00fazege keletu\u01f5\u0131n minnetlemeler boy\u0131nsha juwapkershilik, n\u0131zamda n\u00e1zerde tut\u0131l\u01f5an ja\u01f5daylarda bolsa, sonday-aq sh\u00e1rtnamalar boy\u0131nsha juwapkershilik q\u00e1wpi;
\nisbilermenlik q\u00e1wpi- isbilermenni\u0144 kontragentlerini\u0144 \u00f3z minnetlemelerin buz\u0131w\u0131 yaki isbilermenge baylan\u0131sl\u0131 bolma\u01f5an ja\u01f5daylar\u01f5a k\u00f3re bul iskerlik sh\u00e1rt-sh\u00e1rayatlar\u0131n\u0131\u0144 \u00f3zgeriwi sebepli isbilermenlik iskerliginen k\u00fatilgen d\u00e1ramatlar\u0131n ala almasl\u0131q q\u00e1wpi.<\/p>\n

m\u00falkiy qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131n d\u00faziwde qams\u0131zlan\u0131wsh\u0131 menen qams\u0131zland\u0131r\u0131wsh\u0131 ortas\u0131nda t\u00f3mendegilerge erisiliwi laz\u0131m:<\/p>\n

qams\u0131zland\u0131r\u0131w obekti bol\u01f5an belgili bir mal-m\u00falk yamasa basqa m\u00falkiy m\u00e1p tuwr\u0131s\u0131nda;
\nqams\u0131zland\u0131r\u0131w pul\u0131n\u0131\u0144 mu\u01f5dar\u0131 tuwr\u0131s\u0131nda;<\/p>\n

qams\u0131zland\u0131r\u0131w t\u00f3lemi mu\u01f5dar\u0131n an\u0131qlaw t\u00e1rtibi tuwr\u0131s\u0131nda, eger sh\u00e1rtnamada on\u0131 qams\u0131zland\u0131r\u0131w pul\u0131nan az mu\u01f5darda t\u00f3lew m\u00famkinshiligi n\u00e1zerde tut\u0131l\u01f5an bolsa;<\/p>\n

qams\u0131zland\u0131r\u0131w s\u0131yl\u0131\u01f5\u0131n\u0131\u0144 mu\u01f5dar\u0131 h\u00e1m on\u0131 t\u00f3lew m\u00faddeti (m\u00faddetleri) tuwr\u0131s\u0131nda;
\nsh\u00e1rtnaman\u0131\u0144 \u00e1mel q\u0131l\u0131w m\u00faddeti tuwr\u0131s\u0131nda.<\/p>\n

Basqa t\u00fardegi sh\u00e1rtnamalardan par\u0131ql\u0131 t\u00farde, qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131 belgisiz m\u00faddetke d\u00faziliwi m\u00famkin emes.<\/p>\n

Qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131n\u0131\u0144 \u00e1mel q\u0131l\u0131n\u0131w\u0131n\u0131\u0144 baslan\u0131w\u0131 \u00d3zbekstan Respublikas\u0131 Puqaral\u0131q kodeksini\u0144 947-statyas\u0131n\u0131\u0144 birinshi b\u00f3liminde belgilengen.<\/p>\n

O\u01f5an muwap\u0131q, qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131, eger onda basqasha t\u00e1rtip n\u00e1zerde tut\u0131lma\u01f5an bolsa, qams\u0131zland\u0131r\u0131w s\u0131yl\u0131\u01f5\u0131 yaki birinshi t\u00f3lem t\u00f3lengen pay\u0131ttan k\u00fashke kiredi h\u00e1m on\u0131\u0144 sh\u00e1rtleri, eger sh\u00e1rtnamada qams\u0131zland\u0131r\u0131w \u00e1mel q\u0131l\u0131w\u0131 baslan\u0131w\u0131n\u0131\u0144 basqasha m\u00faddeti n\u00e1zerde tut\u0131lma\u01f5an bolsa, qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131 k\u00fashke kirgennen keyin j\u00faz bergen qams\u0131zland\u0131r\u0131w h\u00e1diyselerine qollan\u0131lad\u0131.
\nEger qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131 minnetleme or\u0131nlan\u0131w\u0131n\u0131\u0144 t\u00e1miynat\u0131 s\u0131pat\u0131nda d\u00fazilgen bolsa, tiykar\u01f5\u0131 minnetleme or\u0131nlanba\u01f5an ja\u01f5dayda kreditor qams\u0131zland\u0131r\u0131wsh\u0131dan qams\u0131zland\u0131r\u0131w pul\u0131n t\u00f3lewdi talap etiw huq\u0131q\u0131na iye bolad\u0131.<\/p>\n

Eger qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131 xojal\u0131q sh\u00e1rtnamas\u0131 boy\u0131nsha minnetlemeler or\u0131nlan\u0131w\u0131n\u0131\u0144 t\u00e1miynat\u0131 s\u0131pat\u0131nda d\u00fazilgen bolsa, qams\u0131zland\u0131r\u0131wsh\u0131\u01f5a talap bildirilgenge shekem kreditor qar\u0131zdardan qar\u0131z\u0131n \u00f3ndiriw sharalar\u0131n k\u00f3riwi z\u00e1r\u00far h\u00e1m tek qar\u0131zdard\u0131\u0144 minnetlemesin or\u0131nlaw ush\u0131n mal-m\u00falki jeterli bolma\u01f5an\u0131nda kreditor qams\u0131zland\u0131r\u0131wsh\u0131\u01f5a talap bildiriw huq\u0131q\u0131na iye, eger qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131nda basqasha t\u00e1rtip belgilenbegen bolsa.<\/p>\n

Qar\u0131zdard\u0131\u0144 mal-m\u00falkini\u0144 minnetlemeni or\u0131nlaw ush\u0131n jeterli emesligi m\u00e1mleket or\u0131nlash\u0131s\u0131n\u0131\u0144 or\u0131nlaw h\u00fajjetin \u00d3zbekstan Respublikas\u0131n\u0131\u0144 \u00abSud h\u00fajjetleri h\u00e1m basqa organlar h\u00fajjetlerin or\u0131nlaw haqq\u0131nda\u00bb\u01f5\u0131 N\u0131zam\u0131n\u0131\u0144 40-statyas\u0131n\u0131\u0144 birinshi b\u00f3limi 3-b\u00e1ndine tiykar \u00f3ndiriwshige qaytar\u0131w haqq\u0131nda\u01f5\u0131 qarar\u0131 menen tast\u0131y\u0131qlanad\u0131.
\nUs\u0131 or\u0131nda bir m\u0131sal. AK \u00abXamkorbank\u00bb t\u00e1repinen 2017 j\u0131l 28 iyul k\u00fangi kredit sh\u00e1rtnamas\u0131na tiykar \u00abD\u00bb jeke menshik turaq jay iyeleri sherikligine qur\u0131l\u0131s-o\u0144law jum\u0131slar\u0131n \u00e1melge as\u0131r\u0131w\u0131 ush\u0131n 60 ay m\u00faddetke, j\u0131l\u0131na 14 pay\u0131z t\u00f3lew sh\u00e1rti menen 300 000 000 swm mu\u01f5dar\u0131nda kredit aj\u0131rat\u0131l\u01f5an. Kreditti\u0144 waqt\u0131nda qaytar\u0131l\u0131w\u0131n t\u00e1miyinlew maqsetinde bank, sheriklik h\u00e1m qams\u0131zland\u0131r\u0131w kompaniyas\u0131 ortas\u0131nda 2017 j\u0131l 11 avgust k\u00fani \u00abkreditti qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131\u00bb d\u00fazilgen h\u00e1m us\u0131 k\u00fani qams\u0131zland\u0131r\u0131w polisi berilgen.<\/p>\n

Turaq jay iyeleri sherikligi kredit qar\u0131z\u0131n t\u00f3lew m\u00faddetlerin keshiktirgeni ush\u0131n bank kredit sh\u00e1rtnamas\u0131n m\u00faddetinen bur\u0131n biykar etip, turaq jay iyeleri sherikliginen 249 354 238 swm kredit qar\u0131z\u0131, 75 742 670 swm esaplan\u01f5an pay\u0131z\u0131 h\u00e1m 3 278 365 swm penya \u00f3ndiriwdi sorap sudqa dawa arza menen m\u00far\u00e1jat etken. Birinshi instanciya sud\u0131n\u0131\u0144 2020 j\u0131l 7 fevral k\u00fangi hal q\u0131l\u0131w qarar\u0131 menen dawa arza q\u0131sman qanaatland\u0131r\u0131l\u01f5an, turaq jay iyeleri sherikliginen bankti\u0144 paydas\u0131na 239 627 374,66 swm kredit qar\u0131z\u0131, 74 742 670 swm pay\u0131z\u0131, 3 278 365 swm penya \u00f3ndirilgen. Sudt\u0131\u0144 hal q\u0131l\u0131w qarar\u0131na tiykar berilgen or\u0131nlaw xat m\u00e1mleket or\u0131nlawsh\u0131s\u0131n\u0131\u0144 2020 j\u0131l 03 iyul k\u00fangi qarar\u0131 menen \u00d3zbekstan Respublikas\u0131n\u0131\u0144 \u00abSud h\u00fajjetleri h\u00e1m basqa organlar h\u00fajjetlerin or\u0131nlaw haqq\u0131nda\u00bb\u01f5\u0131 N\u0131zam\u0131n\u0131\u0144 40-statyas\u0131n\u0131\u0144 birinshi b\u00f3limi 3-b\u00e1ndine tiykar \u00f3ndiriwshige qaytar\u0131l\u01f5an. Sonl\u0131qtan AK \u00abXamkorbank\u00bb sudqa dawa arza menen m\u00far\u00e1jat etip, qams\u0131zland\u0131r\u0131w kompaniyas\u0131nan turaq jay iyeleri sherikligini\u0144 t\u00f3lew imkaniyat\u0131 bolma\u01f5an 233 927 809,03 swm tiykar\u01f5\u0131 qar\u0131z\u0131n, 114 539 158,27 swm pay\u0131z\u0131n h\u00e1m 21 826 699,15 swm penyan\u0131 \u00f3ndiriwdi sora\u01f5an.<\/p>\n

Birinshi instanciya sud\u0131n\u0131\u0144 2021 j\u0131l 19 iyul k\u00fangi hal q\u0131l\u0131w qarar\u0131 menen dawa arza q\u0131sman qanaatland\u0131r\u0131l\u01f5an. Qams\u0131zland\u0131r\u0131w kompaniyas\u0131nan AK \u00abXamkorbank\u00bb paydas\u0131na 233 927 809,03 swm qams\u0131zland\u0131r\u0131w pul\u0131 \u00f3ndirilgen, dawa talaplar\u0131n\u0131\u0144 qal\u01f5an b\u00f3legi qanaatland\u0131r\u0131ws\u0131z qald\u0131r\u0131l\u01f5an.
\nIste an\u0131qlan\u01f5an ja\u01f5daylar\u01f5a qara\u01f5anda, qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131n\u0131\u0144 1.11-b\u00e1ndine tiykar qams\u0131zland\u0131r\u0131wsh\u0131 qams\u0131zland\u0131r\u0131w h\u00e1diysesi n\u00e1tiyjesinde qams\u0131zlan\u0131wsh\u0131\u01f5a qar\u0131z al\u0131wsh\u0131 t\u00e1repinen kreditti\u0144 tiykar\u01f5\u0131 b\u00f3limi (kreditten paydalan\u01f5anl\u0131q pay\u0131zlardan t\u0131sqar\u0131) qaytar\u0131lma\u01f5anl\u0131\u01f5\u0131 boy\u0131nsha k\u00f3rilgen ziyand\u0131 qaplaw minnetlemesin al\u01f5an. Qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131n\u0131\u0144 3.1-b\u00e1ndinde us\u0131 sh\u00e1rtnama boy\u0131nsha qams\u0131zland\u0131r\u0131w pul\u0131 300 000 000 swmd\u0131, ya\u01f5n\u0131y aj\u0131rat\u0131l\u01f5an kredit bahas\u0131n\u0131\u0144 100 pay\u0131z\u0131n qura\u01f5an.
\nIs sudta k\u00f3rilgen waq\u0131tta qaytar\u0131lma\u01f5an kredit qar\u0131z\u0131n\u0131\u0144 mu\u01f5dar\u0131 233 927 809,03 swmd\u0131 quraytu\u01f5\u0131nl\u0131\u01f5\u0131, qams\u0131zland\u0131r\u0131w kompaniyas\u0131 pay\u0131z, penyadan payda bol\u01f5an qar\u0131zlard\u0131 t\u00f3lew minnetlemesin alma\u01f5anl\u0131\u01f5\u0131, kredit al\u0131wsh\u0131 turaq jay iyeleri sherikligini\u0144 kredit qar\u0131z\u0131n t\u00f3lew imkaniyat\u0131 joql\u0131\u01f5\u0131, bul tiyisli t\u00e1rtipte m\u00e1mleket or\u0131nlawsh\u0131s\u0131n\u0131\u0144 qarar\u0131 menen tast\u0131y\u0131qlanatu\u01f5\u0131nl\u0131\u01f5\u0131 an\u0131qlan\u01f5an. Apellyaciya instanciya sud\u0131n\u0131\u0144 qarar\u0131 menen hal q\u0131l\u0131w qarar\u0131 \u00f3zgerissiz qald\u0131r\u0131l\u01f5an.<\/p>\n

 <\/p>\n

Qaraqalpaqstan Respublikas\u0131 sud\u0131n\u0131\u0144<\/strong>
\nekonomikal\u0131q isleri boy\u0131nsha<\/strong>
\nsudlaw quram\u0131 sudyas\u0131\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <\/strong>Gawhar Zaripova<\/strong><\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Qams\u0131zland\u0131r\u0131w puqara yaki yuridik shaxst\u0131\u0144 (qams\u0131zlan\u0131wsh\u0131) qams\u0131zland\u0131r\u0131w sh\u00f3lkemi menen (qams\u0131zland\u0131r\u0131wsh\u0131) menen d\u00fazetu\u01f5\u0131n m\u00falkiy yaki jeke m\u00falkiy qams\u0131zland\u0131r\u0131w sh\u00e1rtnamalar\u0131 tiykar\u0131nda \u00e1melge as\u0131r\u0131lad\u0131. Qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131 jazba t\u00farde d\u00faziliwi laz\u0131m. Bul talapqa \u00e1mel q\u0131lmasl\u0131q sh\u00e1rtnaman\u0131\u0144 haq\u0131yq\u0131y sanalmasl\u0131\u01f5\u0131na sebep bolad\u0131. Qams\u0131zland\u0131r\u0131w sh\u00e1rtnamas\u0131n\u0131\u0144 t\u00e1replerini\u0144 biri (qams\u0131zlan\u0131wsh\u0131) qatnas\u0131q uq\u0131pl\u0131l\u0131\u01f5\u0131na iye bol\u01f5an fizikal\u0131q yaki yuridik shaxs, ekinshi t\u00e1rep (qams\u0131zland\u0131r\u0131wsh\u0131) bolsa kommerciyal\u0131q sh\u00f3lkem […]<\/p>\n","protected":false},"author":1,"featured_media":2824,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158],"tags":[],"class_list":["post-2823","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-janaliqlar"],"_links":{"self":[{"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/posts\/2823","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/comments?post=2823"}],"version-history":[{"count":1,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/posts\/2823\/revisions"}],"predecessor-version":[{"id":2825,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/posts\/2823\/revisions\/2825"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/media\/2824"}],"wp:attachment":[{"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/media?parent=2823"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/categories?post=2823"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/tags?post=2823"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}