{"id":55185,"date":"2024-06-06T16:00:03","date_gmt":"2024-06-06T11:00:03","guid":{"rendered":"https:\/\/raqobat.gov.uz\/?p=55185"},"modified":"2024-06-06T16:12:08","modified_gmt":"2024-06-06T11:12:08","slug":"fuqarodan-savol-avtokredit-yoki-sotib-olish-sharti-bilan-ijara-qaysi-biri-afzal","status":"publish","type":"post","link":"https:\/\/raqobat.gov.uz\/uz\/fuqarodan-savol-avtokredit-yoki-sotib-olish-sharti-bilan-ijara-qaysi-biri-afzal\/","title":{"rendered":"FUQARODAN SAVOL: Avtokredit yoki sotib olish sharti bilan ijara, qaysi biri afzal?"},"content":{"rendered":"<p><strong>FUQARODAN SAVOL:<\/strong><\/p>\n<p><strong><em>&#8211; Avtokredit yoki sotib olish sharti bilan ijara, qaysi biri afzal?<\/em><\/strong><\/p>\n<p><strong>JAVOB<\/strong><\/p>\n<p>Amaliyotda iste&#8217;molchi avtomashina sotib olishga qaror qilgan, biroq xarid uchun o\u2018z mablag\u2018lari yetarli bo\u2018lmaslik holatlari uchrab turadi. Bunday vaziyatda\u00a0iste&#8217;molchi oldida odatda ikki yo\u2018l mavjud: tijorat banklaridan qarzga mablag\u2018 olish yoki keyinchalik sotib olish sharti bilan avtotransport vositasini ijaraga olish. Ammo, yodda tutish lozimki, istalgan shartnomani tuzishdan oldin, uning nozik jihatlariga e&#8217;tibor qaratish lozim. Qaysi variant qulay va to\u2018g\u2018ri? Qanday qilib firibgarlar hiyla-nayranglariga tushib qolmaslik kerak?<\/p>\n<p><strong>SHARTNOMA TUZIS<\/strong><strong>H<\/strong><strong> SHARTLARI<\/strong><\/p>\n<p><u>Tijorat banklaridan avtomashina uchun kredit olish shartlari<\/u>:<\/p>\n<p>\u2013\u00a0tijorat banklari tomonidan kreditlar\u00a0<strong>bitta shartnoma asosida<\/strong>\u00a0avtotransport vositasini odatda rasmiy diler orqali birlamchi bozordan\u00a0sotib olish uchun taqdim etiladi;<\/p>\n<p>\u2013\u00a0aksariyat hollarda garov sifatida\u00a0<strong>sotib olinayotgan<\/strong>\u00a0<strong>avtomashina<\/strong>\u00a0qabul qilinadi;<\/p>\n<p>\u2013\u00a0asosiy ish joyi bo\u2018yicha jismoniy shaxsning barqaror daromadi kafolatlanishi majburiy hisoblanadi;<\/p>\n<p>\u2013 sug\u2018urta polyusi talab etiladi.<\/p>\n<p><u>Keyinchalik sotib olish sharti bilan avtotransport vositasini ijaraga olish <\/u>ikki bosqichda amalga oshiriladi: dastlab\u00a0<strong>bo\u2018nak (avans) to\u2018lov<\/strong>\u00a0amalga oshirilganligi to\u2018g\u2018risida shartnoma tuziladi, so\u2018ngra keyinchalik sotib olish sharti bilan\u00a0<strong>ijara shartnomasi<\/strong>\u00a0imzolanadi. Shuni ham hisobga olish lozim, agar ijaraga olinayotgan avtomashina markasi (turi) topilmasa, iste&#8217;molchi xizmat ko\u2018rsatayotgan korxona tomonidan taqdim etiladigan uchta variantdan birini tanlashga majbur. Agar iste&#8217;molchiga taklif qilingan variantlar yoqmasa, u pulni qaytarib olishga haqli, faqatgina\u00a0<strong>40-60 ish kuni o\u2018tganidan so\u2018ng\u00a0<\/strong>(korxonaning siz xohlagan avtomashinani qidirishga yana 120 kun, jami 180 kungacha) haqli hisoblanadi.<\/p>\n<p><strong>Iste&#8217;molchi foydasiga \u201cishlamaydigan\u201d yana bir muhim shart<\/strong>: agar dastlab shartnomada taklif qilingan transport vositasi taqdim etilmasa,\u00a0<strong>Ijaraga beruvchi hech qanday majburiyatlarini o\u2018z zimmasiga olmaydi<\/strong>.<\/p>\n<p>Shuningdek, <strong>bo\u2018nak (avans) to\u2018lov<\/strong>\u00a0shartnomasi va sotib olish sharti bilan\u00a0<strong>ijara shartnomasi<\/strong>\u00a0korxona tomonidan\u00a0<strong>5 daqiqa ichida\u00a0<\/strong>notarial tasdiqlanmasdan va boshqa hujjatlar talab qilinmasdan tuziladi.<\/p>\n<p>Birinchi holatda bank bilan shartnoma tuzgan iste&#8217;molchi avtomashina egasiga aylanadi, ikkinchi holatda iste&#8217;molchi ijarachi hisoblanadi va avtomashinaga egalik huquqi unga tegishli bo\u2018lmaydi, ustiga-ustak korxonadan har oyda transport vositasini boshqarish uchun ishonchnoma rasmiylashtirilishi lozim.<\/p>\n<p><strong>MONITORING<br \/>\n<\/strong> Bank ham, korxona ham avtotransport vositasidan maqsadli foydalanilayotganligini tekshirish huquqiga ega, biroq keyinchalik sotib olish huquqi bilan avtomashinani ijaraga olishda, ijarachi ijaraga beruvchining birinchi chaqiriga binoan avtomashinani monitoring qilish uchun olib kelishga majbur. Agar avtomashinani olib kelishni iloji bo\u2018lmasa, ijaraga beruvchi ijarachiga jarima qo\u2018llashi va hattoki to\u2018langan mablag\u2018larni qaytarmagan holda, shartnomani bir tomonlama bekor qilishi mumkin.<\/p>\n<p><strong> QO\u2018SHIMCHA XARAJATLAR<br \/>\n<\/strong> Bank orqali avtomashinani kreditga olishda ham, keyinchalik sotib olish sharti bilan ijaraga olishda ham ma&#8217;lum qo\u2018shimcha xarajatlar mavjud. Misol uchun, bank kreditini olishda sug\u2018urta polisini rasmiylashtirishingiz kerak bo\u2018lsa, avans to\u2018lovi shartnomasiga binoan ijaraga oluvchi lizing olish uchun hujjatlarni yig\u2018ish, tayyorlash va rasmiylashtirish bilan bog\u2018liq xarajatlarni qoplash uchun transport vositasi umumiy qiymatining 10% miqdorida bo\u2018nak (avans) to\u2018lashi lozim. Shuni alohida ta&#8217;kidlash joizki, avtomashinani ro\u2018yxatdan o\u2018tkazish uchun qo\u2018shimcha\u00a0 xarajatlar (ma&#8217;lumotnoma, texnik pasport, davlat raqam belgisi, texnik ko\u2018rik, bank komissiya to\u2018lovi)\u00a0<strong>iste&#8217;molchining o\u2018zi tomonidan alohida<\/strong>amalga oshiriladi.<br \/>\n<strong>MOLIYAVIY SANKSIYALAR<br \/>\n<\/strong>Avtokredit shartnomasiga ko\u2018ra, kreditni to\u2018lash muddati kechikkan va muddati o\u2018tgan qarz yuzaga kelgan taqdirda foiz stavkasi oshiriladi (har bir bank o\u2018z foiz stavkasiga ega). Avtomashinani keyinchalik sotib olish sharti bilan ijaraga olish shartnomasiga ko\u2018ra bunday hollarda bir nechta sanksiyalar qo\u2018llanishi ko\u2018zda tutilgan: ijaraga oluchi tomonidan ijara haqini o\u2018z vaqtida yoki to\u2018liq to\u2018lamaslik uchun har bir kechikkan kun hisobida sanksiya; avtotransport vositasini ijaraga beruvchining talabiga binoan monitoring qilish uchun o\u2018z vaqtida olib kelmaslik uchun sanksiyalar. Bunday xizmatlarni ko\u2018rsatuvchi aksariyat korxonalarning shartnomalarida, shuningdek, agar ijaraga oluvchi to\u2018lovni to\u2018lash uchun ijaraga beruvchining oldiga kelishini imkoni bo\u2018lmasa, to\u2018lovni olish uchun yuborilgan xodimlar xizmat safari xarajatlari ham ijaraga oluvchi hisobidan moliyalashtirilishi belgilangan. Agar iste&#8217;molchi belgilangan vaqtda to\u2018lovni amalga oshira olmasa, shuningdek, nazorat uchun mashinani ta&#8217;minlay olmasa, u holda navbatdagi \u201cjarima\u201dni to\u2018lashiga to\u2018g\u2018ri keladi.<\/p>\n<p><strong>SHARTNOMANI BEKOR QILISH<br \/>\n<\/strong>Turli xil sabablarga ko\u2018ra moliyaviy\u00a0 ahvoli va to\u2018lov qobiliyati yomonlashgan iste&#8217;molchi shartnoma shartlarini bajara olmagan taqdirda uni nimalar kutishi mumkin?Tijorat banklari tomonidan ajratiladigan avtokredit bo\u2018yicha to\u2018lovlarni qarz oluvchi o\u2018z vaqtida to\u2018lay olmasa, bank tomonidan garov sifatida olingan avtotransport vositasi sotuvga qo\u2018yilib, qarz miqdori qoplanadi, qolgan mablag\u2018 iste&#8217;molchiga qaytariladi. Sotib olish sharti bilan avtomashina ijaraga olingan taqdirda, transport vositasi olib qo\u2018yiladi va iste&#8217;molchiga mablag\u2018 qaytarilmaydi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>FUQARODAN SAVOL: &#8211; Avtokredit yoki sotib olish sharti bilan ijara, qaysi biri afzal? JAVOB Amaliyotda iste&#8217;molchi avtomashina sotib olishga qaror qilgan, biroq xarid uchun o\u2018z mablag\u2018lari yetarli bo\u2018lmaslik holatlari uchrab turadi. Bunday vaziyatda\u00a0iste&#8217;molchi oldida odatda ikki yo\u2018l mavjud: tijorat banklaridan qarzga mablag\u2018 olish yoki keyinchalik sotib olish sharti bilan avtotransport vositasini ijaraga olish. Ammo, yodda&hellip;<\/p>\n","protected":false},"author":1,"featured_media":55381,"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":[46,3],"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>FUQARODAN SAVOL: Avtokredit yoki sotib olish sharti bilan ijara, qaysi biri afzal? - 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\/fuqarodan-savol-avtokredit-yoki-sotib-olish-sharti-bilan-ijara-qaysi-biri-afzal\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FUQARODAN SAVOL: Avtokredit yoki sotib olish sharti bilan ijara, qaysi biri afzal? - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.\" \/>\n<meta property=\"og:description\" content=\"FUQARODAN SAVOL: &#8211; Avtokredit yoki sotib olish sharti bilan ijara, qaysi biri afzal? 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- O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/raqobat.gov.uz\/uz\/fuqarodan-savol-avtokredit-yoki-sotib-olish-sharti-bilan-ijara-qaysi-biri-afzal\/","og_locale":"uz_UZ","og_type":"article","og_title":"FUQARODAN SAVOL: Avtokredit yoki sotib olish sharti bilan ijara, qaysi biri afzal? - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.","og_description":"FUQARODAN SAVOL: &#8211; Avtokredit yoki sotib olish sharti bilan ijara, qaysi biri afzal? JAVOB Amaliyotda iste&#8217;molchi avtomashina sotib olishga qaror qilgan, biroq xarid uchun o\u2018z mablag\u2018lari yetarli bo\u2018lmaslik holatlari uchrab turadi. Bunday vaziyatda\u00a0iste&#8217;molchi oldida odatda ikki yo\u2018l mavjud: tijorat banklaridan qarzga mablag\u2018 olish yoki keyinchalik sotib olish sharti bilan avtotransport vositasini ijaraga olish. 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