{"id":38848,"date":"2023-10-13T10:05:08","date_gmt":"2023-10-13T05:05:08","guid":{"rendered":"https:\/\/raqobat.gov.uz\/?p=38848"},"modified":"2023-10-13T10:08:32","modified_gmt":"2023-10-13T05:08:32","slug":"kreditni-qaytmaslik-xavfini-sugurtalash-uchun-tolangan-pullar-qanday-hollarda-qaytariladi","status":"publish","type":"post","link":"https:\/\/raqobat.gov.uz\/uz\/kreditni-qaytmaslik-xavfini-sugurtalash-uchun-tolangan-pullar-qanday-hollarda-qaytariladi\/","title":{"rendered":"KREDITNI QAYTMASLIK XAVFINI SUG\u2018URTALASH UCHUN TO\u2018LANGAN PULLAR  QANDAY HOLLARDA QAYTARILADI?"},"content":{"rendered":"<p>O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste\u2019molchilar huquqlarini himoya qilish qo\u2018mitasining ishonch telefoni orqali kelib tushgan murojaatda fuqaro sug\u2018urta mukofotining foydalanilmagan qismini qaytarib ololmayotganligini bildirgan.<\/p>\n<p>Aniqroq qilib aytganda, \u043cazkur murojaatda fuqaro \u201cO\u2018zmilliybank\u201d AJ bilan tuzilgan shartnomaga asosan besh yillik muddatga avtokredit olganligi va kreditni qaytmaslik xavfi \u201cAsko\u201d sug\u2018urta tashkiloti tomonidan sug\u2018urtalanganligi, fuqaro kredit qarzdorligini muddatidan avval qoplaganligi, shunga ko\u2018ra foydalanilmagan davr uchun qolgan sug\u2018urta mukofotini qaytarib olishda amaliy yordam berilishini so\u2018ragan.<\/p>\n<p>Qo\u2018mita tomonidan murojaatda keltirilgan holatlarni o\u2018rganish davomida, iste\u2019molchi<strong> \u201cO\u2018zmilliybank\u201d AJ<\/strong> bank filiali bilan <strong>2022-yil 11-oktyabrda 60 (oltmish) oy<\/strong> muddatga shartnoma tuzib, <strong>209,0\u00a0million so\u2018m<\/strong> miqdorida avtokredit olganligi va kreditni qaytmaslik xavfi \u201cASKO-VOSTOK\u201d AJ sug\u2018urta tashkiloti tomonidan sug\u2018urtalangani ma\u2019lum bo\u2018ldi. Ushbu avtokredit<br \/>\n2023-yil 31-avgustda muddatidan avval to\u2018liq hajmda qoplangan, fuqaroning asosli murojaat qilishiga qaramay, sug\u2018urta tashkiloti tomonidan foydalanilmagan davr uchun qolgan sug\u2018urta mukofoti qaytarib berilmaydi.<\/p>\n<p>O\u2018zbekiston Respublikasi Fuqarolik kodeksining 948-moddasiga asosan, sug\u2018urta shartnomasi, agar u kuchga kirganidan keyin sug\u2018urta hodisasi yuz berishi ehtimoli yo\u2018qolgan va sug\u2018urta xavfining mavjud bo\u2018lishi sug\u2018urta hodisasidan boshqa holatlar bo\u2018yicha tugagan bo\u2018lsa, tuzilgan muddati kelishidan oldin bekor bo\u2018lganda, sug\u2018urtalovchi sug\u2018urta mukofotining bir qismini sug\u2018urta amal qilgan vaqtga mutanosib ravishda olish huquqiga egaligi belgilangan.<\/p>\n<p>O\u2018zbekiston Respublikasi \u201cIste\u2019molchilarning huquqlarini himoya qilish to\u2018g\u2018risida\u201dgi Qonunining:<\/p>\n<p>21-moddasiga asosan, shartnomaga iste\u2019molchilarning qonunchilikda nazarda tutilgan huquqlarini kamsitadigan shartlarni kiritish, shuningdek ularga qonunchilikda belgilangan imtiyozlar va afzalliklarni bermaslik taqiqlanishi; sotuvchi (ijrochi) iste\u2019molchini haq evaziga qo\u2018shimcha tovarlar sotib olishga yoki qo\u2018shimcha xizmatlardan foydalanishga qistashga, shuningdek ko\u2018rsatilmagan xizmatlar uchun haq olishga haqli emasligi;<\/p>\n<p>23-moddasiga asosan, sotuvchi (ishlab chiqaruvchi, ijrochi) bilan shartnomaviy munosabatlarda iste\u2019molchi qonunchilikda nazarda tutilgan o\u2018z talablari qanoatlantirilishi uchun ustuvor huquqqa egaligi belgilangan.<\/p>\n<p>O\u2018rganish natijasiga ko\u2018ra, fuqaro avtokreditni (bank oldidagi majburiyatni) to\u2018liq miqdorda muddatidan avval qoplaganligi tufayli fuqaro bilan \u201cASKO-VOSTOK\u201d AJ o\u2018rtasida imzolangan \u201cKreditni qaytmaslik xavfini sug\u2018urtalash\u201d bo\u2018yicha shartnoma o\u2018z ahamiyatini yo\u2018qotganligi sababli, qonunchilikka muvofiq sug\u2018urta mukofotining foydalanilmagan qismini qaytarish choralarini ko\u2018rish bo\u2018yicha Qo\u2018mita tomonidan \u201cASKO-VOSTOK\u201d AJga ko\u2018rsatma xati berildi. Shundan so\u2018nggina iste\u2019molchiga 5\u00a0432\u00a0345 so\u2018m miqdoridagi sug\u2018urta puli qaytarib berilishiga erishildi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste\u2019molchilar huquqlarini himoya qilish qo\u2018mitasining ishonch telefoni orqali kelib tushgan murojaatda fuqaro sug\u2018urta mukofotining foydalanilmagan qismini qaytarib ololmayotganligini bildirgan. Aniqroq qilib aytganda, \u043cazkur murojaatda fuqaro \u201cO\u2018zmilliybank\u201d AJ bilan tuzilgan shartnomaga asosan besh yillik muddatga avtokredit olganligi va kreditni qaytmaslik xavfi \u201cAsko\u201d sug\u2018urta tashkiloti tomonidan sug\u2018urtalanganligi, fuqaro kredit qarzdorligini muddatidan avval&hellip;<\/p>\n","protected":false},"author":1,"featured_media":38849,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[3],"tags":[],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v16.0.3 (Yoast SEO v19.6.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>KREDITNI QAYTMASLIK XAVFINI SUG\u2018URTALASH UCHUN TO\u2018LANGAN PULLAR QANDAY HOLLARDA QAYTARILADI? - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/raqobat.gov.uz\/uz\/kreditni-qaytmaslik-xavfini-sugurtalash-uchun-tolangan-pullar-qanday-hollarda-qaytariladi\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KREDITNI QAYTMASLIK XAVFINI SUG\u2018URTALASH UCHUN TO\u2018LANGAN PULLAR QANDAY HOLLARDA QAYTARILADI? - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.\" \/>\n<meta property=\"og:description\" content=\"O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste\u2019molchilar huquqlarini himoya qilish qo\u2018mitasining ishonch telefoni orqali kelib tushgan murojaatda fuqaro sug\u2018urta mukofotining foydalanilmagan qismini qaytarib ololmayotganligini bildirgan. 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