{"id":11550,"date":"2026-01-27T14:28:26","date_gmt":"2026-01-27T09:28:26","guid":{"rendered":"https:\/\/istemolchi-info.uz\/?p=11550"},"modified":"2026-01-27T14:28:26","modified_gmt":"2026-01-27T09:28:26","slug":"ikki-jismoniy-shaxs-bir-bolib-kredit-olishi-mumkinmi","status":"publish","type":"post","link":"https:\/\/istemolchi-info.uz\/ru\/archives\/11550","title":{"rendered":"Ikki jismoniy shaxs bir bo\u2018lib kredit olishi mumkinmi?"},"content":{"rendered":"

Odatda, jismoniy shaxsga bank muassasasi tomonidan beriladigan kredit aniq bitta shaxs nomiga rasmiylashtirilib, bank kredit bo\u2018yicha asosiy summa va foizlarni undirish, kredit bo\u2018yicha to\u2018lovlar kechiktirlilganda sudga murojaat qilish, fors-major va boshqa holatlar kelib chiqqanda holatga mos ravishda chora-tadbirlar belgilash kabi ishlarni amalga oshirishda aynan o\u2018sha shaxs bilan ish olib boradi. Kredit olish jarayonida ikkinchi shaxsning ishtiroki faqatgina kafil tarzida namoyon bo\u2018lishi bo\u2018lishi mumkin.<\/h4>\n

Agar o\u2018z nomiga kredit rasmiylashtirib olgan bank mijozi olingan summaning muayyan qismini ikkinchi bir shaxsga bersa, bu ikkinchi shaxsning bank va kreditni olgan mijoz o\u2018rtasidagi shartnoma munosabatlarining qonuniy ishtirokchilaridan, ya’ni endilikda ushbu shaxs ham kredit to\u2018lovlari bo\u2018yicha teng (solidar) javobgarga aylanganligini bildirmaydi. Bu holat bir fuqaro ikkinchi bir fuqaroga qarzga pul berganligi holati bo\u2018lib, agar qarz olgan ushbu fuqaro qarzni bergan shaxsga pulni o\u2018z vaqtida qaytarmasa, kredit to\u2018lovlarini o\u2018z vaqtida to\u2018lanishiga hissasini qo\u2018shmasa, bu holatda u bank oldida emas, balki bankdan kreditni rasmiylashtirib olgan fuqaro oldida javobgar bo\u2018ladi, xolos.<\/p>\n

Bunday holatlardan birini Yozyovon tumanida kuzatilgan holat misolida ko\u2018rib chiqaylik. Shu tumanda istiqomat qiluvchi M.G\u2018. 2025 yil dekabr oyida hamkasbi N.H bilan kelishib, o\u2018z nomiga 6 000 000 so\u2018m kredit rasmiylashtirgan. Ushbu summa ikkisi o\u2018rtasida teng miqdorda bo\u2018lib olinib, kredit bo\u2018yicha oylik 416 000 so\u2018m to\u2018lovni ham teng ikkiga bo\u2018lgan holda, birgalikda to\u2018lab borishga kelishilgan. Lekin yanvar oyiga kelib birinchi to\u2018lovni o\u2018zidayoq N.H. summaning o\u2018ziga tegishli qismini nomiga kredit rasmiylashtirilgan hamkasbiga bera olmagan. Bank esa o\u2018z-o\u2018zidan kreditni olgan M.G\u2018.dan to\u2018lovlarni to\u2018liq so\u2018ndirilishini talab qilgan.<\/p>\n

Iste’molchining yuzaga kelgan holatda unga amaliy yordam ko\u2018rsatilishini so\u2018rab tuman Iste’molchilar huquqlarini himoya qilish jamiyatiga qilgan murojaati asosida tomonlarga amaldagi qonunchilik talablari, iste’molchining huquq va majburiyatlari yuzasidan tushuntirishlar berilishi jarayonida N.H. tomonidan o\u2018z hamkasbi oldidagi majburiyati bajarilib, u qarz majburiyatlarini bajarmaslik natijasida kelib chiqadigan huquqiy oqibatlardan ogohlantirildi.<\/p>\n

Shavkatjon Saidov,<\/strong>
\njamiyat mutaxassisi.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Odatda, jismoniy shaxsga bank muassasasi tomonidan beriladigan kredit aniq bitta shaxs nomiga rasmiylashtirilib, bank kredit bo\u2018yicha asosiy summa va foizlarni undirish, kredit bo\u2018yicha to\u2018lovlar kechiktirlilganda sudga murojaat qilish, fors-major va boshqa holatlar kelib chiqqanda holatga mos ravishda chora-tadbirlar belgilash kabi ishlarni amalga oshirishda aynan o\u2018sha shaxs bilan ish olib boradi. Kredit olish jarayonida ikkinchi shaxsning […]<\/p>\n","protected":false},"author":1,"featured_media":11551,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11550","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1"],"translation":{"provider":"WPGlobus","version":"2.12.2","language":"ru","enabled_languages":["uz","ki","ru"],"languages":{"uz":{"title":true,"content":true,"excerpt":false},"ki":{"title":true,"content":true,"excerpt":false},"ru":{"title":false,"content":false,"excerpt":false}}},"views":21,"_links":{"self":[{"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/posts\/11550"}],"collection":[{"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/comments?post=11550"}],"version-history":[{"count":2,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/posts\/11550\/revisions"}],"predecessor-version":[{"id":11553,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/posts\/11550\/revisions\/11553"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/media\/11551"}],"wp:attachment":[{"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/media?parent=11550"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/categories?post=11550"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/tags?post=11550"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}