{"id":33375,"date":"2025-03-19T17:57:20","date_gmt":"2025-03-19T12:57:20","guid":{"rendered":"https:\/\/kommers.uz\/?p=33375"},"modified":"2025-03-19T17:57:20","modified_gmt":"2025-03-19T12:57:20","slug":"kredit-olishda-kafil-b%d1%9elgan-shahsning-mazhburiyatlari-%d2%9bandaj","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=33375","title":{"rendered":"Kredit olishda kafil bo\u02bblgan shaxsning majburiyatlari qanday?"},"content":{"rendered":"<p><strong>Kafillik<\/strong> \u2013 kredit ta\u02bcminotining bir turi bo\u02bblib, unda kafil kreditni qarzdor tomonidan to\u02bbliq yoki qisman to\u02bblanishiga kafolat beradi, aks holda, kafilning o\u02bbzi kreditni kafillik summasi doirasida to\u02bblab berishni o\u02bbz bo\u02bbyniga oladi. Bankning ichki tartibidan kelib chiqqan holda, kredit ta\u02bcminoti uchun kafillikni qabul qilishga limit o\u02bbrnatilishi mumkin, masalan, <strong>50 mln so\u02bbmdan yuqori kreditlarga<\/strong> kafillikdan boshqa ta\u02bcminot turlari talab etilishi mumkin.<\/p>\n<p><strong>Kafilning majburiyatlarini bilasizmi?<\/strong><\/p>\n<p>Siz kafillik shartnomasiga imzo chekkaningizdan so\u02bbng, do\u02bbstingiz bilan bir qatorda kredit to\u02bblanishiga javobgar hisoblanasiz. Do\u02bbstingiz ma\u02bclum bir sabablarga ko\u02bbra kreditni to\u02bblamaganda kreditni to\u02bblab berish majburiyati uning o\u02bbrniga sizga yuklatiladi.<\/p>\n<p>Bank kredit shartlari buzilganda muddati o\u02bbtgan qarzdorlikni to\u02bbliq undirish uchun ishni sudga oshirish huquqiga ega. Bunda qarzdor bilan birgalikda kafil ham barobar javobgar bo\u02bbladi, <strong>hattoki, sud bo\u02bbyicha davlat boji harajatlariga ham<\/strong>.<\/p>\n<p>Kafillikka rozi bo\u02bblishdan oldin, moliyaviy savodxonlikka ega inson sifatida do\u02bbstingizdan quyidagilarni so\u02bbrab olsangiz, foydadan holi bo\u02bblmaydi:<\/p>\n<ul>\n<li>kredit summasi va foizi;<\/li>\n<li>kredit muddati;<\/li>\n<li>kredit turi va maqsadi;<\/li>\n<li>kredit to\u02bblov grafigi bo\u02bbyicha oylik to\u02bblov summasi;<\/li>\n<li>kredit ta\u02bcminotiga boshqa garov mulklari qo\u02bbyilgan yoki qo\u02bbyilmaganligi;<\/li>\n<li>do\u02bbstingizni boshqa kreditlari bor yoki yo\u02bbqligi;<\/li>\n<li>do\u02bbstingizning oylik daromadlari;<\/li>\n<li>do\u02bbstingizni shaxsiy xarakteriga: punktualligi, tartibliligi, hisobliligi.<\/li>\n<\/ul>\n<p><strong>Kafillik uchun qanday hujjatlar topshiriladi?<\/strong><\/p>\n<ul>\n<li>Kafil \u2013 jismoniy shaxs:<\/li>\n<li>pasportingiz nusxasi;<\/li>\n<li>ish joyingizdan oylik daromadingiz to\u02bbg\u02bbrisidagi ma\u02bclumotnoma.<\/li>\n<\/ul>\n<p><strong>Kafil \u2013 yuridik shaxs:<\/strong><\/p>\n<ul>\n<li>tashkilot so\u02bbnggi hisobot yili uchun yillik moliyaviy hisoboti (Forma 1, 2);<\/li>\n<li>hisobvaraq aylanmasidan ko\u02bbchirma;<\/li>\n<li>tashkilot kafilligini taqdim etishga tashkilot rahbarining roziligi.<\/li>\n<\/ul>\n<p>Do\u02bbstingiz kreditni o\u02bbz vaqtida to\u02bblashiga kafolat berishdan oldin, o\u02bbz moliyaviy imkoniyatlaringizni ham sarhisob qilib oling. Chunki bu kredit bo\u02bbyicha siz ham birdek javobgarsiz!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hamkasb do\u02bbstingiz o\u02bbzi olayotgan kredit kartasi, mikroqarz, overdraft yoki iste\u02bcmol krediti uchun sizdan kafil bo\u02bblishni so\u02bbraganmi? Bunday holatlarda kafil bo\u02bblishning qanday salbiy tomonlari bor? Shu haqida ma\u02bclumot beramiz.<\/p>\n","protected":false},"author":23,"featured_media":33376,"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":{"poster":"https:\/\/dinor.uz\/wp-content\/uploads\/2025\/03\/67dabf31f103d.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":33376,"7B0ecgVieEAP":"\u041a\u0440\u0435\u0434\u0438\u0442 \u043e\u043b\u0438\u0448\u0434\u0430 \u043a\u0430\u0444\u0438\u043b \u0431\u045e\u043b\u0433\u0430\u043d \u0448\u0430\u0445\u0441\u043d\u0438\u043d\u0433 \u043c\u0430\u0436\u0431\u0443\u0440\u0438\u044f\u0442\u043b\u0430\u0440\u0438 \u049b\u0430\u043d\u0434\u0430\u0439?"},"_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\/33375"}],"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\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=33375"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/33375\/revisions"}],"predecessor-version":[{"id":33377,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/33375\/revisions\/33377"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/33376"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=33375"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=33375"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=33375"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=33375"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}