{"id":27354,"date":"2022-10-06T23:07:12","date_gmt":"2022-10-06T18:07:12","guid":{"rendered":"https:\/\/kommers.uz\/?p=27354"},"modified":"2022-10-06T23:07:12","modified_gmt":"2022-10-06T18:07:12","slug":"zhismonij-shahslarga-mikroqarz-yoki-kreditlarni-sondirishda-imtiyoz-beriladi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=27354","title":{"rendered":"Jismoniy\u00a0shaxslarga mikroqarz yoki kreditlarni so\u02bbndirishda imtiyoz beriladi"},"content":{"rendered":"<p>Markaziy bank tomonidan normativ-huquqiy hujjatlar loyihalari muhokamasi portaliga O\u02bbzbekiston Respublikasi Fuqarolik kodeksining 248-moddasiga o\u02bbzgartish kiritish to\u02bbg\u02bbrisidagi qaror loyihasi <a href=\"https:\/\/regulation.gov.uz\/oz\/d\/69208\">joylashtirildi.<\/a><\/p>\n<p>Unda qayd etilishicha, amalga oshirilgan to\u02bblov summasi pul majburiyatini batamom bajarish uchun yetarli bo\u02bblmaganida, boshqa kelishuv bo\u02bblmasa, u eng avvalo kreditorning ijroni olishga qaratilgan chiqimlarini, so\u02bbngra foizlarni, uning qolgan qismi esa qarzning asosiy summasini uzadi. Keltirilishicha, mazkur moddaning ikkinchi qismida nazarda tutilgan xollar bundan mustasnodir.<\/p>\n<p>Hujjatga asosan, jismoniy shaxslarga ajratilgan mikroqarz yoki kredit (tadbirkorlik faoliyati uchun ajratilgan kreditlar bundan mustasno) bo\u02bbyicha amalga oshirilgan to\u02bblov summasi, agar qarz oluvchining majburiyatlarini bajarish uchun yetarli bo\u02bblmasa, qarz oluvchining qarzi quyidagi tartibda so\u02bbndiriladi:<\/p>\n<ul>\n<li>asosiy qarz bo\u02bbyicha muddati o\u02bbtgan qarzdorlikni;<\/li>\n<li style=\"text-align: left\">muddati o\u02bbtgan foiz to\u02bblovlarini;<\/li>\n<li style=\"text-align: left\">joriy davr uchun asosiy qarz bo\u02bbyicha qarzdorlikni;<\/li>\n<li style=\"text-align: left\">joriy davr uchun hisoblangan foizlarni;<\/li>\n<li style=\"text-align: left\">jarima;<\/li>\n<li style=\"text-align: left\">qarzdorlikni qaytarish bilan bog\u02bbliq kreditorning boshqa xarajatlari yordamida so\u02bbndiriladi.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kiritilayotgan o\u02bbzgarishga ko\u02bbra, jismoniy shaxslarning mikroqarz yoki kreditlari bo\u02bbyicha birinchi navbatda asosiy qarzning qaytarilishi va qarz yukini kamaytirishga yordam beradi<\/p>\n","protected":false},"author":10,"featured_media":27355,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_sharing_image":null,"_sharing_image_fieldset":[],"_dinor_sponsored":false,"_dinor_sponsor_name":"","_dinor_reading_time":0,"_dinor_primary_term":0,"_dinor_featured":false,"_dinor_urgent":false,"_dinor_show_author":false,"_dinor_kicker":"","_dinor_summary":"","_dinor_sources":"","footnotes":""},"categories":[2],"tags":[],"ptype":[],"_links":{"self":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/27354"}],"collection":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=27354"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/27354\/revisions"}],"predecessor-version":[{"id":27356,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/27354\/revisions\/27356"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/27355"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27354"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=27354"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=27354"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=27354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}