{"id":15596,"date":"2026-01-21T13:14:45","date_gmt":"2026-01-21T08:14:45","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/onlayn-firibgarlik-qurbonlariga-foizlar-hisoblash-va-onlayn-kreditlarni-undirish-toxtatiladi\/"},"modified":"2026-01-21T13:14:45","modified_gmt":"2026-01-21T08:14:45","slug":"onlayn-firibgarlik-qurbonlariga-foizlar-hisoblash-va-onlayn-kreditlarni-undirish-toxtatiladi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/onlayn-firibgarlik-qurbonlariga-foizlar-hisoblash-va-onlayn-kreditlarni-undirish-toxtatiladi\/","title":{"rendered":"Onlayn firibgarlik qurbonlariga foizlar hisoblash va onlayn kreditlarni undirish to\u2018xtatiladi"},"content":{"rendered":"<h3>Nega bu muhim<\/h3>\n<p>Norma onlayn firibgarlik jabrlanuvchilaridan ularning nomidan ularning ixtiyorisiz rasmiylashtirilgan kredit bo\u2018yicha qarz yuki xavfini olib tashlaydi va nizoni jabrlanuvchining tan olishi orqali huquqiy tekislikka o\u2018tkazadi. Bu banklar va MFOlar uchun amaliyotni o\u2018zgartiradi: firibgarlik tasdiqlangan taqdirda, ular foizlarni hisoblash va undirishni to\u2018xtatishlari, so\u2018ngra aybdor shaxsdan zararni undirishlari kerak. Shu bilan birga, qoida teskari ssenariyni qayd etadi: agar tovlamachilik tasdiqlanmasa, hisoblash va undirish qayta tiklanadi.  <\/p>\n<h3>Nima bo\u2018ldi<\/h3>\n<ul>\n<li>Adliya vazirligi Markaziy bank bilan birgalikda Kredit va to\u2018lov tashkilotlari hamda to\u2018lov tizimlari operatorlari tomonidan jismoniy shaxslarga masofaviy moliyaviy xizmatlar ko\u2018rsatishda axborot va kiberxavfsizlikni ta\u2019minlash hamda firibgarlikning oldini olish bo\u2018yicha minimal talablar to\u2018g\u2018risidagi nizomni davlat ro\u2018yxatidan <a href=\"https:\/\/t.me\/pravoinf\/9683\">o\u2018tkazdi<\/a>.<\/li>\n<li>Hujjatda belgilanishicha, kredit firibgarlik natijasida fuqaroning nomiga rasmiylashtirilgan bo\u2018lsa va fuqaro protsessual qaror asosida jabrlanuvchi deb topilgan bo\u2018lsa, kredit tashkiloti onlayn kredit bo\u2018yicha foizlar hisoblash va undirishni to\u2018xtatadi.<\/li>\n<li>Shuningdek, kredit tashkilotining tovlamachilik (har qanday noqonuniy yoki firibgarlik) sodir etgan shaxsdan zararni regress tartibida undirish huquqi, tovlamachilik tasdiqlanmagan taqdirda undiruvni tiklash mexanizmi nazarda tutilgan.<\/li>\n<\/ul>\n<h3>Raqamlar va faktlar<\/h3>\n<ul>\n<li>Kredit tashkiloti surishtiruvchi, tergovchi, prokurorning qarori yoki sudning ajrimi asosida fuqaro jabrlanuvchi deb topilgan taqdirda, firibgarlik natijasida rasmiylashtirilgan onlayn kredit bo\u2018yicha foizlar hisoblash va undiruvni to\u2018xtatadi.<\/li>\n<li>Kredit tashkiloti yetkazilgan moddiy zararni onlayn kredit ajratishda firibgarlik sodir etgan shaxsdan regress tartibida undirishi mumkin.<\/li>\n<li>Frodga shubha tug\u2018ilganda kredit tashkiloti qonun hujjatlarida belgilangan tartibda shikoyat berishi mumkin.<\/li>\n<li>Agar surishtiruv\/tergov natijalariga ko\u2018ra yoki sud qarori bilan firibgarlik yo\u2018qligi aniqlansa, kredit tashkiloti onlayn kredit bo\u2018yicha foizlarni hisoblash va undirishni davom ettiradi.<\/li>\n<\/ul>\n<h3>Mohiyat<\/h3>\n<ul>\n<li>Qarz oluvchilar uchun jabrlanuvchi maqomini protsessual tasdiqlash asosiy shartga aylanadi: usiz hisoblab yozish va undirishni to\u2018xtatish qo\u2018llanilmaydi.<\/li>\n<li>Banklar va to\u2018lov tashkilotlari uchun bu firibgarlik tasdiqlangan taqdirda qarz bilan ishlashni to\u2018xtatish va undiruvni regress orqali aybdor shaxsga o\u2018tkazish majburiyatini anglatadi.<\/li>\n<li>Umuman olganda, tizim uchun qoida nizoli holatlarda harakat qilishning yanada tushunarli tartibini belgilaydi: dastlab tekshiruv va protsessual qaror, so\u2018ngra jazo chorasini bekor qilish yoki jazo chorasi mavjud bo\u2018lmaganda uni qayta tiklash.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Kredit tashkiloti foizlar va undiruvni to\u2018xtatadi, zararni esa firibgardan regress tartibida talab qilishi mumkin.<\/p>\n","protected":false},"author":7,"featured_media":15592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2026\/01\/69708f6d1bd71.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":15592,"YlB8HH34jIzY":"Onlayn firibgarlik qurbonlariga foizlar hisoblash va onlayn kreditlarni undirish to\u2018xtatiladi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[3443,1007],"class_list":["post-15596","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-firibgarlik","tag-kreditlar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Onlayn firibgarlik qurbonlariga foizlar hisoblash va onlayn kreditlarni undirish to\u2018xtatiladi &#8212; 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