{"id":49161,"date":"2024-03-14T14:00:16","date_gmt":"2024-03-14T09:00:16","guid":{"rendered":"https:\/\/raqobat.gov.uz\/?p=49161"},"modified":"2024-03-15T17:20:38","modified_gmt":"2024-03-15T12:20:38","slug":"qarzdorlik-yuzaga-kelganda-banklarning-istemolchilar-bilan-ozaro-munosabatlari","status":"publish","type":"post","link":"https:\/\/raqobat.gov.uz\/uz\/qarzdorlik-yuzaga-kelganda-banklarning-istemolchilar-bilan-ozaro-munosabatlari\/","title":{"rendered":"Qarzdorlik yuzaga kelganda banklarning iste&#8217;molchilar bilan o\u2018zaro munosabatlari"},"content":{"rendered":"<p>Agar qarz oluvchi qarzlarini o\u2018z vaqtida to\u2018lay olmasa, bank ularni yetti kalendar kun ichida xabardor qilishi kerak. Ushbu bildirishnoma shartnomada kelishilgan turli xil aloqa kanallari, shu jumladan elektron aloqa yoki qonun hujjatlarida nazarda tutilgan boshqa usullar orqali yetkazilishi mumkin.<\/p>\n<p>Bank qarz oluvchini qarzlarining holati, shu jumladan to\u2018lovning miqdori, muddati, tarkibi va mumkin bo\u2018lgan oqibatlari to\u2018g\u2018risida xabardor qilishi shart. Bundan tashqari, ular kechiktirilgan to\u2018lov sabablari haqida so\u2018rashlari kerak.<\/p>\n<p>Agar qarz oluvchi qarzni to\u2018lash yoki foizlarni to\u2018lash muddatlarini buzsa, bank quyidagilarni o\u2018z ichiga olgan yozma xabarnoma yuborishi kerak:<\/p>\n<ul>\n<li>Bank nomi va yetarli identifikatsiya ma\u2019lumotlari,<\/li>\n<li>Xabar vaqtida to\u2018lanmagan qarzlarning miqdori va tabiati,<\/li>\n<li>Qarzni to\u2018lash imkoniyatlari,<\/li>\n<li>Majburiyatlarni bajarish muddati (kamida o\u2018n kun),<\/li>\n<li>Ushbu muddat davomida rioya qilmaslik oqibatlari,<\/li>\n<li>Nizolarni suddan tashqari hal qilish usullari.<\/li>\n<\/ul>\n<p>Banklar va qarz oluvchilar nizolarni suddan tashqari, shu jumladan muzokaralar yo\u2018li bilan qanday hal qilish to\u2018g\u2018risida o\u2018zaro kelishib olishlari mumkin. Agar qarz oluvchi yozma bildirishnomada ko\u2018rsatilgan talablarga javob bermasa, bank belgilangan muddatda sudga murojaat qilish huquqini o\u2018zida saqlab qoladi.<\/p>\n<p><strong>Maslahat:<\/strong><\/p>\n<ol>\n<li><strong>Yangiliklardan xabardor bo<\/strong><strong>\u2018ling<\/strong><strong>:<\/strong><\/li>\n<\/ol>\n<p>Moliyaviy majburiyatlar va muddatlarni kuzatib boring. Kredit shartlari yoki kredit shartnomalaridan xabardor bo\u2018ling.<\/p>\n<ol start=\"2\">\n<li><strong>Oldindan xabar bering:<\/strong><\/li>\n<\/ol>\n<p>Agar qarzlarni to\u2018lashda qiyinchiliklar kutilsa, bank bilan bog\u2018lanish uchun so\u2018nggi daqiqagacha kutmang. Mumkin bo\u2018lgan yechimlar yoki muqobil to\u2018lov usullarini muhokama qilish uchun o\u2018z vaqtida va faol ravishda xabar bering.<\/p>\n<ol start=\"3\">\n<li><strong>Huquqlaringizni tan oling:<\/strong><\/li>\n<\/ol>\n<p>Qarz oluvchining huquqlarini, shu jumladan iste\u2019molchilar huquqlarini himoya qilish to\u2018g\u2018risidagi qonunlarda nazarda tutilgan har qanday himoya choralarini ko\u2018rib chiqing. Bu bank bilan o\u2018zaro munosabatlarni yanada ishonchli yo\u2018naltirishga yordam beradi.<\/p>\n<ol start=\"4\">\n<li><strong>Bildirishnomalarni diqqat bilan ko\u2018rib chiqing:<\/strong><\/li>\n<\/ol>\n<p>Muddati o\u2018tgan qarzlar to\u2018g\u2018risida bankdan xabarnomalar yoki xabarlarni olganingizda, ularni diqqat bilan o\u2018rganib chiqing. Taqdim etilgan ma\u2019lumotlarni, shu jumladan qarz miqdori, muddatlari va to\u2018lanmaslik oqibatlarini tushunganingizga ishonch hosil qiling.<\/p>\n<ol start=\"5\">\n<li><strong>Tushuntirishni so\u2018rang:<\/strong><\/li>\n<\/ol>\n<p>Agar biror narsa aniq bo\u2018lmasa yoki bankdan kelgan xabar haqida savollar tug\u2018ilsa, tushuntirish uchun murojaat qilishdan tortinmang. Kerakli ma\u2019lumotlarni olish uchun to\u2018g\u2018ridan-to\u2018g\u2018ri bank bilan bog\u2018laning.<\/p>\n<ol start=\"6\">\n<li><strong>Variantlarni o\u2018rganing:<\/strong><\/li>\n<\/ol>\n<p>To\u2018lovlarni qayta tuzish rejalari, qarzlarni konsolidatsiya qilish yoki hisob-kitob muzokaralari kabi qarzlarni boshqarish imkoniyatlarini o\u2018rganish uchun bank bilan hamkorlik qiling. Moliyaviy yukni yengillashtirish uchun muqobil yechimlarni muhokama qilishga ochiq bo\u2018ling.<\/p>\n<ol start=\"7\">\n<li><strong>Chora ko\u2018ring:<\/strong><\/li>\n<\/ol>\n<p>Muammoni e\u2019tiborsiz qoldirmang va bu o\u2018z-o\u2018zidan hal bo\u2018lishiga umid qilmang. Qarz muammosini hal qilish va moliyaviy barqarorlikka erishish uchun faol choralar ko\u2018ring. Muammoni yuzma &#8211; yuz hal qilish yechim topish uchun birinchi qadam ekanligini unutmang.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Agar qarz oluvchi qarzlarini o\u2018z vaqtida to\u2018lay olmasa, bank ularni yetti kalendar kun ichida xabardor qilishi kerak. Ushbu bildirishnoma shartnomada kelishilgan turli xil aloqa kanallari, shu jumladan elektron aloqa yoki qonun hujjatlarida nazarda tutilgan boshqa usullar orqali yetkazilishi mumkin. Bank qarz oluvchini qarzlarining holati, shu jumladan to\u2018lovning miqdori, muddati, tarkibi va mumkin bo\u2018lgan oqibatlari to\u2018g\u2018risida&hellip;<\/p>\n","protected":false},"author":1,"featured_media":49162,"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>Qarzdorlik yuzaga kelganda banklarning iste&#039;molchilar bilan o\u2018zaro munosabatlari - 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\/qarzdorlik-yuzaga-kelganda-banklarning-istemolchilar-bilan-ozaro-munosabatlari\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qarzdorlik yuzaga kelganda banklarning iste&#039;molchilar bilan o\u2018zaro munosabatlari - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.\" \/>\n<meta property=\"og:description\" content=\"Agar qarz oluvchi qarzlarini o\u2018z vaqtida to\u2018lay olmasa, bank ularni yetti kalendar kun ichida xabardor qilishi kerak. 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Bank qarz oluvchini qarzlarining holati, shu jumladan to\u2018lovning miqdori, muddati, tarkibi va mumkin bo\u2018lgan oqibatlari to\u2018g\u2018risida&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/raqobat.gov.uz\/qarzdorlik-yuzaga-kelganda-banklarning-istemolchilar-bilan-ozaro-munosabatlari\/\" \/>\n<meta property=\"og:site_name\" content=\"O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RaqobatGovUz\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-14T09:00:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-15T12:20:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/raqobat.gov.uz\/wp-content\/uploads\/2024\/03\/kartinka-rasmij-munosabat-kopiya-86.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Raqobat qo&#039;mitasi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@RaqobatGovUz\" \/>\n<meta name=\"twitter:site\" content=\"@RaqobatGovUz\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Raqobat qo'mitasi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/raqobat.gov.uz\/qarzdorlik-yuzaga-kelganda-banklarning-istemolchilar-bilan-ozaro-munosabatlari\/\",\"url\":\"https:\/\/raqobat.gov.uz\/qarzdorlik-yuzaga-kelganda-banklarning-istemolchilar-bilan-ozaro-munosabatlari\/\",\"name\":\"Qarzdorlik yuzaga kelganda banklarning iste'molchilar bilan o\u2018zaro munosabatlari - 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