Masalan, Shahlo R. otasining krediti bo\u02bbyicha birgalikda qarz oluvchi sifatida ishtirok etgan \u2013 otasi dala hovliga qatnashi uchun avtokredit rasmiylashtirib, avtomashina sotib olgan. Otaning vafotidan so\u02bbng, mashina bilan birga kreditni to\u02bblash majburiyatlari ham qiziga o\u02bbtdi. Shahlo merosni qabul qilib, qarzni muddatidan oldin yopishga kirishdi. Bu mulkdan voz kechishdan ko\u02bbra foydaliroq edi, chunki kreditning yarmi allaqachon to\u02bblangan edi.<\/p>\n
Birgalikda qarz oluvchilar sifatida ko\u02bbpincha turmush o\u02bbrtoqlar, ota-onalar va bolalar ishtirok etadi. Agar asosiy qarz oluvchi vafot etsa<\/strong>, u holda kredit birgalikda qarz oluvchi sifatida ishtirok etgan shaxs tomonidan to\u02bblanishi kerak.<\/p>\n O\u02bblimdan keyin kredit tashkilotlari oldidagi barcha majburiyatlar marhumning ko\u02bbchmas mulkini, avtomashinalarini va boshqa mol-mulkini olgan shaxsga o\u02bbtadi, ya\u02bcni uning ota-onasi, eri yoki xotini, bolalari va boshqa merosxo\u02bbrlar (agar vasiyatnoma bo\u02bblmasa). Faqat huquqlarni olib, majburiyatlardan voz kechish mumkin emas. Boshqa odamlarning qarzlarini to\u02bblashdan qochishning yagona yo\u02bbli \u2014 merosni qabul qilmaslik va rad etishni notarial tasdiqlashdir.<\/p>\n Merosxo\u02bbrlar har biriga o\u02bbtkazilgan mol-mulk qiymati miqdorida qarzdorlar sifatida javobgar bo\u02bbladilar.<\/p>\n Kreditorlar merosxo\u02bbrlarga o\u02bbz talablarini faqatgina vafot etgan shaxsdan o\u02bbtgan mol-mulk qiymati doirasida, ya\u02bcni undan ortiq bo\u02bblmagan miqdorda taqdim etishga haqlidir.<\/p>\n Merosxo\u02bbrlar kreditorlar oldida o\u02bbz mol-mulki bilan javobgar emas \u2014 qarzlarni to\u02bblash faqat qabul qilingan meros miqdori doirasida amalga oshiriladi.<\/p>\n Misol uchun, agar ota o\u02bbz mol-mulkining uchdan ikki qismini qiziga va faqat uchdan bir qismini o\u02bbg\u02bbliga <\/strong>vasiyat qilgan bo\u02bblsa, ular otaning bank oldidagi qarzlarini tegishli ulushlarda to\u02bblashlari kerak.<\/p>\n Yana bir holatga misol qilib keltirish mumkinki, marhumning qonuniy merosxo\u02bbrlari teng ulushlarda turmush o\u02bbrtog\u02bbi, o\u02bbg\u02bbli va qizi hisoblanadi. Qizi marhumning xotini foydasiga merosdan o\u02bbz ulushini rad etdi \u2014 bu holda merosning uchdan ikki qismiga xotini, uchdan bir qismiga esa o\u02bbg\u02bbli ega va ular qarzlarni ham tegishli ulushlarda to\u02bblashlari kerak bo\u02bbladi.<\/p>\n Amalda, kreditni to\u02bblash imkoniyati yo\u02bbqligi aniqlangan holatlar ham mavjud bo\u02bblib, ushbu kredit \u201cymidsiz\u201d deb tasniflanadi.<\/p>\n Meros bo\u02bblib o\u02bbtmaydigan qarzlar<\/strong><\/p>\n Qonunga ko\u02bbra, meros tarkibiga meros qoldiruvchining shaxsi bilan chambarchas bog\u02bbliq bo\u02bblgan quyidagi huquq va majburiyatlar kirmaydi:<\/p>\n Ushbu turdagi majburiyatlar vasiyat qiluvchi vafot etganidan keyin darhol bekor qilinadi. Ammo qolgan qarzlar meros bo\u02bblib qoladi. Masalan, kommunal to\u02bblovlar, vafot etganning qarzi (kredit) yoki to\u02bblanmagan soliqlar.<\/p>\n","protected":false},"excerpt":{"rendered":" Kredit shartnomasini tuzishda banklar ko\u02bbpincha birgalikda qarz oluvchilar va kafillarni jalb qiladi. Ular o\u02bbz majburiyatlari bo\u02bbyicha teng darajada javobgar bo\u02bbladi. Mas\u02bculiyat miqdori shartnomada belgilanadi. Odatda bu kredit summasini va hisoblangan foizlarni to\u02bblashni o\u02bbz ichiga oladi.<\/p>\n","protected":false},"author":23,"featured_media":33797,"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\/04\/680201ad3685f.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":33797,"7B0ecgVieEAP":"\u049a\u0430\u0440\u0437 \u043e\u043b\u0443\u0432\u0447\u0438 \u0432\u0430\u0444\u043e\u0442 \u044d\u0442\u0433\u0430\u043d\u0438\u0434\u0430\u043d \u043a\u0435\u0439\u0438\u043d \u049b\u0430\u0440\u0437\u043d\u0438 \u043a\u0438\u043c \u0442\u045e\u043b\u0430\u0439\u0434\u0438?"},"_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\/33794"}],"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=33794"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/33794\/revisions"}],"predecessor-version":[{"id":33795,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/33794\/revisions\/33795"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/33797"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=33794"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=33794"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=33794"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=33794"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n