{"id":11660,"date":"2026-02-16T17:19:35","date_gmt":"2026-02-16T12:19:35","guid":{"rendered":"https:\/\/istemolchi-info.uz\/?p=11660"},"modified":"2026-02-16T17:19:35","modified_gmt":"2026-02-16T12:19:35","slug":"kafillik-ishonch-emas-huquqiy-javobgarlik","status":"publish","type":"post","link":"https:\/\/istemolchi-info.uz\/ru\/archives\/11660","title":{"rendered":"Kafillik — ishonch emas, huquqiy javobgarlik"},"content":{"rendered":"

Amaldagi tartib qoidalarga ko\u2018ra, bank krediti bo\u2018yicha oila a’zosi, qarindosh urug\u2018i, tanish-bilishlari va boshqalarga kafil bo\u2018lgan shaxs kredit mablag\u2018i ajratgan kredit tashkiloti oldida qarz oluvchi bilan baravar hajmda javob beradi. Shuni alohida ta’kidlash lozimki, kafil shaxs kredit tashkilotiga qarzdorning o\u2018z vaqtida to\u2018lanmagan kreditining asosiy qarzi va unga hisoblangan foizlarini to\u2018lashdan tashqari, ushbu kreditni undirib olish bilan bog\u2018liq sud xarajatlarini va qarzdor o\u2018z majburiyatini bajarmaganligi yoki lozim darajada bajarmaganligi tufayli kredit tashkilotiga yetkazilgan boshqa zararlarni ham to\u2018laydi. Buni qonun tili bilan aytganda solidar javobgarlik ham deyiladi.<\/h4>\n

Shu sababdan ham, iste’molchi boshqa bir shaxsning krediti bo\u2018yicha kafil sifatida qatnashishdan avval kelajakda o\u2018zi hamda qarz oluvchining moliyaviy holati yomonlashuvi sababli yuzaga kelishi mumkin bo\u2018lgan xavf-xatarlarni to\u2018g\u2018ri baholashi, moliyaviy imkoniyatlarini aniq hisob-kitoblarga asoslangan holda tahlil qilishi, shuningdek, kredit shartnomasida keltirilgan shartlar bilan atroflicha tanishib chiqishi tavsiya etiladi. Shartnoma kuchga kirganidan so\u2018ng, «Tanishim to\u2018lovlarni to\u2018liq o\u2018zi to\u2018lashini, kafillik bo\u2018yicha hech qanday muammo bo\u2018lmasligini va’da qilgandi» qabilidagi vajlar kafilni boshqa shaxs olgan kredit uchun to\u2018lovlarni to\u2018lash majburiyatidan soqit qila olmaydi.<\/p>\n

Yozyovon tumanilik M.Sh.ning tuman Iste’molchilar huquqlarini himoya qilish jamiyatiga qilgan murojaati o\u2018rganilganda, aynan shunday holatlardan biriga duch kelindi. Iste’molchi murojaatida bank muassasasi uning plastik kartasidan asossiz ravishda 761 238 so\u2018m pul yechib olgani, ushbu summani plastik kartasiga qaytarilishida amaliy yordam ko\u2018rsatilishini so\u2018ragan. Murojaat asosida «Biznesni rivojlantirish banki» ATB Marg\u2018ilon filialiga so\u2018rov xati kiritilganda, iste’molchi tanishi U.B.ning mazkur bankdan 2017 yilda olingan kreditiga kafil sifatida rasmiylashtirilganligi, U.B. tomonidan kredit majburiyatlari bajarilmaganligi sababli qarzdorlik summasining muayyan qismi uning bank kartasiga qaratilganligi ma’lum bo\u2018lib, o\u2018rganish ishlari yakuni bilan iste’molchiga uning bank kartasidan undirilgan to\u2018lovlarning qonuniyligi yuzasidan tushuntirishlar berildi.<\/p>\n

Yuqoridagilardan kelib chiqib, aholi vakillarimizga kredit bo\u2018yicha kafillik shaxsdan jiddiy moliyaviy va huquqiy mas’uliyat talab qilishini, sababi u qarz oluvchi bilan teng javobgar hisoblanishini, qarzdor majburiyatini bajarmagan taqdirda, kafil kredit qarzini qonuniy tarzda to\u2018lashga majbur bo\u2018lishini e’tibordan chetda qoldirmasliklarini yana bir bor eslatib o\u2018tamiz.<\/p>\n

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

Amaldagi tartib qoidalarga ko\u2018ra, bank krediti bo\u2018yicha oila a’zosi, qarindosh urug\u2018i, tanish-bilishlari va boshqalarga kafil bo\u2018lgan shaxs kredit mablag\u2018i ajratgan kredit tashkiloti oldida qarz oluvchi bilan baravar hajmda javob beradi. Shuni alohida ta’kidlash lozimki, kafil shaxs kredit tashkilotiga qarzdorning o\u2018z vaqtida to\u2018lanmagan kreditining asosiy qarzi va unga hisoblangan foizlarini to\u2018lashdan tashqari, ushbu kreditni undirib olish […]<\/p>\n","protected":false},"author":1,"featured_media":11662,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-11660","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":74,"_links":{"self":[{"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/posts\/11660"}],"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=11660"}],"version-history":[{"count":2,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/posts\/11660\/revisions"}],"predecessor-version":[{"id":11663,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/posts\/11660\/revisions\/11663"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/media\/11662"}],"wp:attachment":[{"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/media?parent=11660"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/categories?post=11660"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/istemolchi-info.uz\/ru\/wp-json\/wp\/v2\/tags?post=11660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}