<\/p>\n
Elimizde isbilermenlik jum\u0131s\u0131n \u00e1melge as\u0131r\u0131w yaki puqaralard\u0131\u0144 turm\u0131sl\u0131q talaplar\u0131n qanaatland\u0131r\u0131w maqsetinde qolayl\u0131 m\u00famkinshilikler jarat\u0131l\u01f5an. H\u00e1r kim q\u00e1legen buy\u0131md\u0131 sat\u0131p al\u0131p paydalan\u0131w\u0131, isbilermenlar bolsa jum\u0131s\u0131n j\u00e1ne de ke\u0144eytiwi m\u00famkin.<\/strong><\/p>\n <\/p>\n H\u00e1zirgi k\u00fande kredit sh\u00f3lkemleri t\u00e1repinen q\u00e1legen turm\u0131sl\u0131q yaki baska buy\u0131m sh\u00e1rtnama tiykar\u0131nda jetkerilip berilmekte. Kredit al\u0131wsh\u0131 puqaralard\u0131\u0144 j\u0131ll\u0131q d\u00e1ramatlar\u0131 jeterli mu\u01f5darda bolmasa, onda basqa bir shaxst\u0131\u0144 kepil bol\u0131w\u0131 talap etiledi.<\/p>\n <\/p>\n Ay\u0131r\u0131m puqaralar yaki isbilermenlik subektleri kepillikti\u0144 juwapkershiligin sezbegen halda kepillik sh\u00e1rtnamalar\u0131n qol qoy\u0131p, tast\u0131y\u0131qlap at\u0131r. Bul bolsa \u00f3z gezeginde kredit al\u0131wsh\u0131 menen kepil aras\u0131nda daw, tart\u0131s keltirip sh\u0131\u01f5ar\u0131p, kepildi\u0144 juwapkershiligi payda bolmaqta.<\/p>\n <\/p>\n Kepillik degenimiz ne? Kepillik \u2013 \u00fashinshi shaxst\u0131\u0144 basqa shaxs kreditor\u0131 ald\u0131nda\u01f5\u0131 us\u0131 shaxst\u0131\u0144 kredit sh\u00e1rtnamas\u0131nan kelip sh\u0131\u01f5atu\u01f5\u0131n minnetlemeleri boy\u0131nsha tol\u0131q yamasa jar\u0131m-jart\u0131 juwapker bol\u0131w minnetlemesi bol\u0131p esaplanad\u0131.<\/p>\n <\/p>\n Kepillik sh\u00e1rtnamas\u0131 basqa shaxst\u0131\u0144 kreditor\u0131 h\u00e1m kepil aras\u0131nda d\u00faziledi. Kepillik sh\u00e1rtnamas\u0131 boy\u0131nsha minnetlemeni\u0144 mazmun\u0131 qar\u0131zdar tiykar\u01f5\u0131 minnetlemeni or\u0131nlama\u01f5an yamasa z\u00e1r\u00far d\u00e1rejede or\u0131nlama\u01f5anda kepildi\u0144 qar\u0131zdar menen birge kreditor ald\u0131nda juwap beriw minnetlemesi bol\u0131p tab\u0131lad\u0131.<\/p>\n <\/p>\n Kepillik \u00f3z ald\u0131na sh\u00e1rtnama menen r\u00e1smiylestiriliwi, sonday-aq, kepillik haqq\u0131nda\u01f5\u0131 sh\u00e1rtler olar menen qays\u0131 sh\u00e1rtnama minnetlemeleri t\u00e1miyinlenip at\u0131r\u01f5an bolsa, sol sh\u00e1rtnma\u01f5a kirgiziliwi m\u00famkin. Bunday ja\u01f5dayda sh\u00e1rtnama\u01f5a kreditor, qar\u0131zdar h\u00e1m kepil t\u00e1repinen qol qoy\u0131lad\u0131.<\/p>\n <\/p>\n N\u0131zam\u01f5a muwap\u0131q, qar\u0131zdar kepillik penen t\u00e1miyinlengen minnetlemeni or\u0131nlama\u01f5an yaki z\u00e1r\u00far d\u00e1rejede or\u0131nlama\u01f5an ja\u01f5dayda kepil h\u00e1m qar\u0131zdar kreditor ald\u0131nda solidar juwap beredi, eger n\u0131zamda yaki kepillik sh\u00e1rtnamas\u0131nda kepildi\u0144 subsidiar juwapker bol\u0131w\u0131 n\u00e1zerde tut\u0131l\u01f5an bolmasa.<\/p>\n <\/p>\n Eger, kepillik sh\u00e1rtnamas\u0131nda basqasha t\u00e1rtip n\u00e1zerde tut\u0131lmasa, kepil kreditor ald\u0131nda qar\u0131zdar menen te\u0144dey k\u00f3lemde juwap beredi. Atap aytqanda, procentler, qar\u0131zd\u0131 \u00f3ndirip al\u0131w boy\u0131nsha sud sh\u0131\u01f5\u0131mlar\u0131n h\u00e1m qar\u0131zdar minnetlemeni or\u0131nlama\u01f5anl\u0131\u01f5\u0131 yamasa z\u00e1r\u00far d\u00e1rejede or\u0131nlama\u01f5anl\u0131\u01f5\u0131 sebepli kreditor k\u00f3rgen basqa z\u0131yanlard\u0131 t\u00f3leydi.<\/p>\n <\/p>\n Kreditor t\u00e1repinen dawa bir waq\u0131tt\u0131\u0144 \u00f3zinde kepil h\u00e1m qar\u0131zdar\u01f5a, qar\u0131zdar t\u00e1repinen tiykar\u01f5\u0131 minnetleme or\u0131nlama\u01f5anl\u0131\u01f5\u0131na baylan\u0131sl\u0131 us\u0131n\u0131s etilip, solidar juwapkershilik haqq\u0131nda\u01f5\u0131 qa\u01f5\u0131ydalard\u0131 qollan\u0131w z\u00e1r\u00far bol\u01f5an ja\u01f5daylarda, bunday juwapkershilik tek kepil yaki tek qar\u0131zdar\u01f5a j\u00fakleniwi m\u00famkin emes. Kepil h\u00e1m qar\u0131zdar kreditor ald\u0131nda solidar juwap beriwi kerek.<\/p>\n <\/p>\n Kepil kreditord\u0131\u0144 talaplar\u0131na qars\u0131 \u00f3zini\u0144 naraz\u0131l\u0131\u01f5\u0131n bildiriwge haq\u0131l\u0131. Kepildi\u0144 naraz\u0131l\u0131q bildiriw m\u00famkinshilikleri tek qar\u0131zdard\u0131\u0144 tiykar\u01f5\u0131 minnetlemeleri boy\u0131nsha bildiriwi m\u00famkin bol\u01f5an naraz\u0131l\u0131qlar she\u0144berinde sheklenedi (Puqaral\u0131q Kodeksini\u0144 294-statyas\u0131). Kepildi\u0144 k\u00f3rsetilgen kreditor talaplar\u0131na qars\u0131 naraz\u0131l\u0131qlar\u01f5a bol\u01f5an huq\u0131q\u0131 qar\u0131zdard\u0131\u0144 tiykar\u01f5\u0131 minnetleme boy\u0131nsha qar\u0131zd\u0131 t\u00e1n al\u01f5anl\u0131\u01f5\u0131 yaki kreditor talaplar\u0131na qars\u0131 qanday bolsa da naraz\u0131l\u0131qlardan waz keshiw ja\u01f5daylar\u0131 menen jo\u01f5almayd\u0131 (Puqaral\u0131q Kodeksini\u0144 294-statyas\u0131, birinshi b\u00f3limi).<\/p>\n <\/p>\n Puqaral\u0131q Kodeksini\u0144 295-statyas\u0131, birinshi b\u00f3limine muwap\u0131k, eger n\u0131zamda yaki kepil menen qar\u0131zdar aras\u0131nda d\u00fazilgen sh\u00e1rtnamada basqasha t\u00e1rtip belgilenbese, minnetlemeni or\u0131nla\u01f5an kepilge kreditord\u0131\u0144 us\u0131 minnetleme boy\u0131nsha huq\u0131qlar\u0131 h\u00e1m girewge al\u0131wsh\u0131 s\u0131pat\u0131nda kreditor\u01f5a tiyisli bol\u01f5an xuq\u0131qlar kepil kreditord\u0131\u0144 talab\u0131n qansha k\u00f3lemde qanaatland\u0131r\u01f5an bolsa, sonsha k\u00f3lemde \u00f3tedi. Kepil kreditor\u01f5a t\u00f3lengen summa\u01f5a procentler t\u00f3lewdi h\u00e1m qar\u0131zdar ush\u0131n juwapkershilik m\u00fan\u00e1sibeti menen k\u00f3rgen basqa z\u0131yanlard\u0131 t\u00f3lewdi qar\u0131zdardan talap etiwge haq\u0131l\u0131.<\/p>\n <\/p>\n Eger, tiykar\u01f5\u0131 minnetlemeni or\u0131nlaw m\u00faddeti k\u00f3rsetilmegen h\u00e1m belgileniwi m\u00famkin bolma\u01f5an yaki talap etip al\u0131w pay\u0131t\u0131 menen belgilengen bolsa, kreditor kepillik sh\u00e1rtnamas\u0131 d\u00fazilgen k\u00fannen baslap bir j\u0131l ishinde kepilge dawa qoz\u01f5atpa\u01f5an ja\u01f5dayda kepillik biykarlanad\u0131. (Puqaral\u0131q Kodeksini\u0144 298-statyas\u0131).<\/p>\n <\/p>\n Juwmaqlap aytqanda, h\u00e1r bir sh\u00e1rtnama bul minnetleme. Kepillik sh\u00e1rtnamas\u0131n qol koy\u0131wdan ald\u0131n so\u0144\u0131nan j\u00fazege keliwi m\u00famkin bol\u01f5an juwapkershilikti puqta oylap, sh\u00e1rtnama d\u00faziliwi maqsetke muwap\u0131q bolad\u0131. \u00d3ytkeni, sh\u00e1rtnama t\u00e1replerdi\u0144 \u0131qt\u0131yarl\u0131 kelisimi tiykar\u0131nda d\u00faziledi.<\/p>\n <\/p>\n N. TAIROV,<\/strong> Elimizde isbilermenlik jum\u0131s\u0131n \u00e1melge as\u0131r\u0131w yaki puqaralard\u0131\u0144 turm\u0131sl\u0131q talaplar\u0131n qanaatland\u0131r\u0131w maqsetinde qolayl\u0131 m\u00famkinshilikler jarat\u0131l\u01f5an. H\u00e1r kim q\u00e1legen buy\u0131md\u0131 sat\u0131p al\u0131p paydalan\u0131w\u0131, isbilermenlar bolsa jum\u0131s\u0131n j\u00e1ne de ke\u0144eytiwi m\u00famkin. H\u00e1zirgi k\u00fande kredit sh\u00f3lkemleri t\u00e1repinen q\u00e1legen turm\u0131sl\u0131q yaki baska buy\u0131m sh\u00e1rtnama tiykar\u0131nda jetkerilip berilmekte. Kredit al\u0131wsh\u0131 puqaralard\u0131\u0144 j\u0131ll\u0131q d\u00e1ramatlar\u0131 jeterli mu\u01f5darda bolmasa, onda basqa bir […]<\/p>\n","protected":false},"author":1,"featured_media":7886,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158],"tags":[],"class_list":["post-7885","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\/7885","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=7885"}],"version-history":[{"count":2,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/posts\/7885\/revisions"}],"predecessor-version":[{"id":7891,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/posts\/7885\/revisions\/7891"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/media\/7886"}],"wp:attachment":[{"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/media?parent=7885"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/categories?post=7885"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/tags?post=7885"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nPuqaral\u0131q isleri boy\u0131nsha Beruniy rayonlararal\u0131q sud\u0131n\u0131\u0144 sudyas\u0131<\/strong><\/p>","protected":false},"excerpt":{"rendered":"