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B\u00fagingi k\u00fande bankler h\u00e1m finansl\u0131q institutlar t\u00e1repinen yuridikal\u0131q h\u00e1m fizikal\u0131q t\u00e1replerge kreditler beriw \u00e1meliyat\u0131 ke\u0144 tarqal\u01f5an. Kredit sh\u00e1rtnamalar\u0131 \u2013 eki t\u00e1repleme huq\u0131q\u0131y minnetlemelerdi belgilewshi tiykar\u01f5\u0131 h\u00fajjetlerden esaplanad\u0131. Biraq, \u00e1meliyatta bul sh\u00e1rtnamalar boy\u0131nsha tart\u0131slar kelip sh\u0131\u01f5\u0131w\u0131 h\u00e1m olar ekonomikal\u0131q sudlarda k\u00f3rip sh\u0131\u01f5\u0131l\u0131w ja\u01f5daylar\u0131 k\u00f3plep ush\u0131raspaqta. Kredit sh\u00e1rtnamalar\u0131n huq\u0131q\u0131y jaqtan k\u00f3rip sh\u0131\u01f5atu\u01f5\u0131n bolsaq, kredit sh\u00e1rtnamas\u0131 puqaral\u0131q n\u0131zamn\u0131\u0144 arnawl\u0131 t\u00fari bol\u0131p, bank h\u00e1m qar\u0131z al\u0131wsh\u0131 aras\u0131nda d\u00faziledi. Onda kredit mu\u01f5dar\u0131, pay\u0131z stavkalar\u0131, qaytar\u0131w m\u00faddetleri h\u00e1m sh\u00e1rtleri an\u0131q k\u00f3rsetiledi. N\u0131zam buz\u0131l\u0131w ja\u01f5daylar\u0131 \u2013 tiykar\u01f5\u0131 tart\u0131s deregi bol\u0131p tab\u0131lad\u0131. Kredit sh\u00e1rtnamalar\u0131 boy\u0131nsha qarama-qars\u0131l\u0131qlar tek yuridikal\u0131q t\u00e1repler h\u00e1m isbilermenlik subektleri aras\u0131nda payda bol\u01f5anda \u01f5ana ekonomikal\u0131q sud yurisdikciyas\u0131na kiredi. Fizikal\u0131q t\u00e1repler menen baylan\u0131sl\u0131 tart\u0131slar \u00e1dette puqaral\u0131q sudlar t\u00e1repinen k\u00f3riledi. Biraq, ay\u0131r\u0131m ja\u01f5daylarda ekonomikal\u0131q sudlar\u01f5a da tiyisli bol\u0131w\u0131 m\u00famkin (m\u00e1selen, isbilermenlik subektleri qatnasqanda).<\/p>\n
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Kredit shartnamas\u0131 \u2014 bul bank penen qar\u0131ydar aras\u0131nda\u01f5\u0131 r\u00e1smiy kelisim bol\u0131p, onda kredit summas\u0131, procent mu\u01f5dar\u0131, qaytar\u0131w m\u00faddeti h\u00e1m basqa da \u00e1xmiyetli sh\u00e1rtler belgilenedi. Ay\u0131r\u0131m ja\u01f5daylarda, sh\u00e1rtnamalar sonshelli quramal\u0131 jaz\u0131lad\u0131, qar\u0131z al\u0131wsh\u0131 on\u0131\u0144 barl\u0131q b\u00e1ntlerin t\u00fasinip te jetpeydi. Sonl\u0131qtan, keyin ala \u00abmen bul haqq\u0131nda bilmegen edim\u00bb degen naraz\u0131l\u0131qlar sudda n\u00e1tiyje bermeydi.<\/p>\n
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Ekonomikal\u0131q sud \u2013 kimler ush\u0131n? Degenge an\u0131ql\u0131q kirgizip \u00f3tetu\u01f5\u0131n bolsaq, yuridikal\u0131q t\u00e1repler (ya\u01f5n\u0131y, k\u00e1rxanalar, sh\u00f3lkemler) h\u00e1m isbilermenlik x\u0131zmeti menen shu\u01f5\u0131llan\u0131wsh\u0131 shaxslar aras\u0131nda\u01f5\u0131 kredit tart\u0131slar\u0131 ekonomikal\u0131q sudlar t\u00e1repinen k\u00f3riledi. Eger kredit jeke z\u00e1r\u00farlik ush\u0131n al\u0131n\u01f5an bolsa, m\u00e1selen, jay yamasa mashina sat\u0131p al\u0131w maqsetinde \u2013 onda bunday tart\u0131slar puqaral\u0131q sudlar\u0131 \u0131qt\u0131yar\u0131nda qalad\u0131. Naraz\u0131l\u0131qlar k\u00f3binese qar\u0131z t\u00f3lemleri \u00f3z waqt\u0131nda \u00e1melge as\u0131r\u0131lmasa, procentler h\u00e1m penyalar art\u0131q esaplansa, girew s\u0131pat\u0131nda qoy\u0131l\u01f5gan m\u00falk bahas\u0131 tart\u0131sl\u0131 esaplansa, kepillik beriw sh\u00e1rtleri jeterli an\u0131qlanbasa kelip sh\u0131\u01f5ad\u0131. Ay\u0131r\u0131m ja\u01f5daylarda sud qar\u0131ydar paydas\u0131na qarar sh\u0131\u01f5arad\u0131. \u00c1sirese, \u00e1meliyatta k\u00f3p ja\u01f5daylarda bankler sudda utad\u0131. Sebebi, olard\u0131\u0144 huq\u0131q\u0131y h\u00fajjetleri puqta tayarlan\u01f5an bolad\u0131. Us\u0131nday ja\u01f5daylarda finansl\u0131q tart\u0131slar\u01f5a dus kelmew ush\u0131n t\u00f3mendegilerge itibar beriw us\u0131n\u0131s etiledi. Ya\u01f5n\u0131y, birinshiden, sh\u00e1rtnama\u01f5a qol qoymastan ald\u0131n on\u0131 jaqs\u0131lap \u00fayreniw, yurist j\u00e1rdeminde tiykar\u01f5\u0131 b\u00e1ntlerdi analizlew, qar\u0131z t\u00f3lemlerin \u00f3z waqt\u0131nda \u00e1melge as\u0131r\u0131w, eger naraz\u0131l\u0131q bolsa d\u00e1slep bank penen s\u00f3ylesip al\u0131w, kerek bolsa sudqa m\u00far\u00e1jat etiw kerek.<\/p>\n
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Kredit sh\u00e1rtnamalar\u0131n d\u00faziwde standart h\u00e1m \u00e1dil kriteriyalard\u0131 engiziw, sud \u00e1meliyat\u0131nda birdey k\u00f3zqarast\u0131 t\u00e1miyinlew ush\u0131n qollanbalar islep sh\u0131\u01f5\u0131w, bilimlendiriw h\u00e1m \u01f5alaba xabar qurallar\u0131 arqal\u0131 qar\u0131z al\u0131wsh\u0131lard\u0131\u0144 huq\u0131q\u0131y sawatl\u0131l\u0131\u01f5\u0131n artt\u0131r\u0131w tiyis.<\/p>\n
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Kredit sh\u00e1rtnamalar\u0131 art\u0131nda qata\u0144 huq\u0131q\u0131y juwapkershilik turad\u0131. Qarj\u0131 institutlar\u0131 \u00f3z m\u00e1plerin qor\u01f5aw\u01f5a tayar bol\u01f5an\u0131 s\u0131yaql\u0131, qar\u0131ydarlar da \u00f3z huq\u0131qlar\u0131n biliwi h\u00e1m qor\u01f5awd\u0131 \u00fayreniwi kerek. Tart\u0131slard\u0131\u0144 ald\u0131n al\u0131w \u2014 huq\u0131q\u0131y sana h\u00e1m finansl\u0131q t\u00e1rtip arqal\u0131 \u00e1melge asad\u0131.<\/p>\n
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G\u00falmira ARZIEVA,<\/strong> B\u00fagingi k\u00fande bankler h\u00e1m finansl\u0131q institutlar t\u00e1repinen yuridikal\u0131q h\u00e1m fizikal\u0131q t\u00e1replerge kreditler beriw \u00e1meliyat\u0131 ke\u0144 tarqal\u01f5an. Kredit sh\u00e1rtnamalar\u0131 \u2013 eki t\u00e1repleme huq\u0131q\u0131y minnetlemelerdi belgilewshi tiykar\u01f5\u0131 h\u00fajjetlerden esaplanad\u0131. Biraq, \u00e1meliyatta bul sh\u00e1rtnamalar boy\u0131nsha tart\u0131slar kelip sh\u0131\u01f5\u0131w\u0131 h\u00e1m olar ekonomikal\u0131q sudlarda k\u00f3rip sh\u0131\u01f5\u0131l\u0131w ja\u01f5daylar\u0131 k\u00f3plep ush\u0131raspaqta. Kredit sh\u00e1rtnamalar\u0131n huq\u0131q\u0131y jaqtan k\u00f3rip sh\u0131\u01f5atu\u01f5\u0131n bolsaq, kredit sh\u00e1rtnamas\u0131 puqaral\u0131q […]<\/p>\n","protected":false},"author":1,"featured_media":8788,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158],"tags":[],"class_list":["post-8787","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\/8787","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=8787"}],"version-history":[{"count":1,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/posts\/8787\/revisions"}],"predecessor-version":[{"id":8789,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/posts\/8787\/revisions\/8789"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/media\/8788"}],"wp:attachment":[{"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/media?parent=8787"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/categories?post=8787"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/qaraqalpaqstan.sud.uz\/qql\/wp-json\/wp\/v2\/tags?post=8787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nN\u00f3kis rayonlar aral\u0131q ekonomikal\u0131q sud\u0131n\u0131\u0144 sudyas\u0131<\/strong><\/p>","protected":false},"excerpt":{"rendered":"