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qron181

294 69 77;

294 69 77; qronikaqronika@gmail.com rogor davicvaT Tavi sakredito dawesebulebebis neli vardiaSvili SeTavazebul rogori saxis xe- 597 11 12 47 lSekrulebas ar unda movaweroT xeli, roca kreditis aRebas ga- davwyvetT? am kiTxvaze pasuxis misaRebad advokat qeTi utiaS- vils vesaubreT, romelmac kreditorebis mier msesxeblebis gasawirad gamogonili axali safrTxeebi gagvacno. advokati aseve gvesaubra dazaralebulTaTvis imedismomcem, sasamarTloebis precedentul gadawyvetilebebze, romlebic kredi- torTa wisqvils namdvilad ar asxams wyals. qeTi utiaSvili: _ sakredito dawesebulebebi xelSekrulebebs aformeben, romliTac Zveli davalianebebis restruqturizacia, an dolariT gamotanili sesxis larebSi gadatana xdeba. girCevT, aseT dros, msesxeblebma yuradReba miaqcion, xom ar aris xelSekrulebaSi pirobebi Secvlili? _ Tqven rogori informacia gaqvT, axal xelSekrulebebSi pirobebi Secvlilia? _ roca axal xelSekrulebas sTavazoben, gamoricxuli ar aris, rom sakredito dawesebulebam is axali pirobebiT warudginos. xelSekrulebaSi rom Tanxa Seicvala, an vali sasurveli formiT gadanawilda, SeiZleba, msesxeblisTvis sasixarulo iyos, radgan ifiqros, rom es misTvis momgebiania, magram guldasmiT wakiTxvis Semdeg aRniSnul xelSekrulebaSi iseTi siaxleebi aRmoaCinos, sjobdes, isev Zveli wesiT, an dolariT gaistumros sesxi. amjerad ar var uflebamosili, Cemi klientebis vinaoba gavamxilo, aqedan gamomdinare, bankebis saxelebsac ar gavasajaroeb, Tumca msgavsi faqtebi bevria. bolo dros, erT-erTi bankis xelSekrulebas gavecani, romel- Sic saocrad kabaluri pirobebi iyo miTiTebuli. miuxedavad imisa, rom isini msesxebels garkveul Tanxebs patiobdnen da aRar sTxovdnen, pirobebi misTvis momgebiani ar iyo. am xelSekrulebas es 28 pirovneba xels Tu moawerda, is gacilebiT mets dakargavda, vidre mis mier nasesxebi Tanxa warmoadgenda. mokled, pirovnebas problemuri sesxi hqonda, banki Sehpirda, rom axal sakredito xelSekrulebas gauformebda, sadac vadebi Secvlili iqneboda da valis restruqturizacias moaxdenda. msesxebels xelSekruleba gadasces da man is CemTan moitana. aRmo- Cnda, rom restruqturizaciis mi- Rma mZime pirobebi imaleboda. xelSekrulebaze xelmoweris SemTxvevaSi, axali ganrigis darRvevis Semdeg, mas aranairi davis berketi aRar eqneboda da bankis TanamSromels upirobo ufleba miecemoda, mis sakuTrebaSi arsebuli bina gaeyida. banks, aseve, ker- Zo piris qonebis mis sakuTrebaSi gadacemis moTxovnis ufleba eqneboda da a. S. Cemi azriT, es restruqturizacia emsaxureboda imas, rom Zvel xelSekrulebaSi arsebuli, SedarebiT martivi, pirobebi ufro mZime da kabaluri formebiT Seicvala, romelic bankisTvis metad sasargebloa. ra Tqma unda, Cven am adamians avuxseniT, rom aseTi xelSekrulebisTvis xeli ar unda moewera da asec moiqca. _ es pirovneba sworad moiqca maSinac, roca xelSekruleba banks winaswar gamoarTva da SeZlo, saqmeSi Caxeduli iuristis- gan mieRo konsultacia, magram, xSir SemTxvevaSi, bankebi, sakr- edito organizaciebi, moqalaq- eebs xelSekrulebebs winaswar ar aZleven. am dokuments maT im dros gadascemen, roca xeli un- da moaweron. xelSekruleba ki furclebis krebulia, romelzec uwvrilesi SriftiT weria garkveu euli moTxovnebi. bevrs amis ga- mo wakiTxva uWirs da imisTvis, rom teqsts srulad gaecnos da iuridiulad gaiazros (rasac Se- sabamisi kompetencia sWirdeba), albaT, mTeli dRe unda dakargos. amitom moqalaqeebi waukiTx- avad, pirdapir aweren xels da Tavs safrTxeSi igdeben. ar Sei- Zleba, rom xelSekrulebebis ase- Ti maqinaciuri formiT Sedgena aRikveTos? _ am adamians marTlac gaumarTla, radgan miiCnia, rom SeiZleboda, xelSekrulebaSi iseTi ram yofiliyo, riTac misi mdgomareoba gauaresdeboda da CvenTan moitana. imis gamo, rom man am dokuments xeli ar moawera, ra Tqma unda, bankTan garkveuli usiamovnebebi Seeqmna, magram Tu moawerda, ufro meti problema gau- Cndeboda. sakredito dawesebulebebi gangeb beWdaven wvrili SriftiT, rom nebismieri adamiani 2-3 saaT- Si ver gaerkves, ra weria xelSekrulebaSi da ra pirobebs sTvazoben mas es organizaciebi. amas qeTi utiaSvili: `samarTaldamcvelma organoebma msgavs faqtebze sisxlis samarTlis gamoZieba unda daiwyon!~ emateba yvelaze mZime pirobis arasistemuri mdebareoba, rac arTulebs mis aRqmas ara mxolod fizikuri SesaZleblobis kuTxiT, aramed xelSekrulebis gaformebis procesSi monawile piris fsiqo-emociuri faqtorebis zegavlenis gamo. amasTan dakavSirebiT, cota xnis win, sasamarTlom ukve imsjela da precedentuli gadawyvetileba gamoitana. aRniSnuli saqme mosamarTle zaza martliaSvilma ganixila. radgan xelSekruleba dabeWdili iyo Zalian wvrili SriftiT, sasamarTlom miiCnia, rom es arRvevda msesxeblis uflebas, xolo sakredito dawesebulebis valdebulebaa, momxmarebels miawodos saWiro cnobebi aRqmadi, gasagebi da individualurad morgebuli formiT. TanabarmniSvnelovania momxmareblis fsiqologiuri ganwyoba, pirovnuli aRqmadobis done, viTareba, romelSic ideba xelSekruleba, an _ yvela dasaxelebuli faqtori erTad. amis gamo mosamarTlem baTilad cno xelSekulebis is muxli, romelic msesxeblis mgomareobas amZimebda da banks daakisra Tanxa _ 14 aTas larze meti. ramdenadac CemTvis cnobilia, saqmes ixilavs saapelacio sasamarTlo, magram, Cemi azriT, es Zalian kvalificiuri gadawyvetileba gaxlavT. realoba aris is, rom adamianebis didi nawili marTlac ver axerxebs aseTi SriftiT nabeWdi xelSekrulebebis wakiTxvas, aRqmas da sabolood, es pirovnebebi zaraldebian, qonebas kargaven da a. S., radgan am xelSekrulebaSi SeiZleba, eweros: ipoTekis sagani Tu ar aris sakmarisi, danarCen qonebebze mieqceva aRsruleba, an sxva iseTi piroba, romelic moqalaqisTvis zianis momtani iqneba. aseTi ram, ra Tqma unda, ar SeiZleba. _ wvrili SriftiT xelSek- rulebebis Sedgena aris Tu ara moqalaqeebis uflebebis darRve- va? Tu aris, visi valia, rom es sakiTxi moawesrigos? _ sasamarTlom aseTi gadawyvetileba imitom miiRo, rom es gaxlavT adamianis uflebebis Selaxva. albaT, roca sasamarTlo ramdenime aseT gadawyvetilebas miiRebs msgavs saqmeebze da sakredito dawesebulebebs zianis anazRaurebas msesxeblis sasargeblod mosTxovs, isini iZulebuli gaxdebian, xelSekrulebebis formebi Secvalon. bolo dros moqalaqeebs iseT kabalur xelSekrulebebs sTavazoben, Tu mas ar waikiTxaven, Zalian cud mdgomareobaSi aRmoCndebian. dasawyisSi vTqvi, rom SesaZlebelia, dolarSi gamotanili sesxis galarebis drosac moxdes igive. informacia maqvs, rom ramdenime bankis iuristi xangrZlivi periodis ganmavlobaSi am dawesebulebebisTvis umZimesi formebis xelSekrulebebis Sedgenaze muSaobda. ra Tqma unda, sesxi Cveni riskia, magram waukiTxav da gauazrebel xelSekrulebebs ar unda movaweroT xeli. bolo periodSi xSirad xdeba, rom xelSekruleba gaformebulia erT subieqtTan da, amavdroulad, sesxis uzrunvelsayofad ipoTekiT datvirTulia sxva piris qoneba. _ aseTi faqtic gaqvT? _ ra Tqma unda. erT-erT banks sakredito xelSekruleba gaformebuli hqonda Sps-sTan, magram am valis uzrunvelsayofad fizikuri piris qoneba datvirTa. ase- Ti ram SeiZleba, magram es sakredito xelSekruleba bankis mier iyo damowmebuli, Tumca ipoTekuri xelSekruleba notariuli wesiT gaxldaT gaformebuli, sadac notariuss miTiTebuli hqonda, rom valdebulebis gadauxdelobis SemTxvevaSi ipoTekis sagnis realizacia moxdeboda. organizaciam dakisrebuli vali ver gadaixada. gamoiwera saaRsrulebo furceli Sps-sa da fizikuri piris mimarT. valis moculoba ganisazRvra, magram saaRsrulebo furcelSi miTiTebuli piri _ Sps _ saerTod ar iyo ipoTekis monawile, anu saaRsrulebo furceli notariuss rom gaeca, amisTvis Sps-s Tanxmoba ar miucia. miuxedavad amisa, aseTi naklovani saaR- 28 N4 (181) 7.02-13.02.2017 w.

294 69 77; qronikaqronika@gmail.com finansuri maqinaciebisgan?! srulebo furclis safuZvelze aRsruleba daiwyo da am adamians qonebas uyididnen, Tanxis gadaxdas ki fizikur pirsac da Sps-sac sTxovdnen. sabolood, sasamarTlom saaRsrulebo furceli SeaCera, romelic notariusma ukanonod gamosca. sasamarTlomac Tqva: vinaidan sakredito xelSekruleba arasanotaro formiT gaformda, anu ipoTekis xelSekruleba gaformda fizikur pirsa da banks Soris, valis uzrunvelsayof RonisZiebaSi Sps ar monawileobda, ar SeiZleboda, notriuss mis mimarT saaRsrulebo furceli gaeca. sakredito dawesebuleba ase gansakuTrebiT xSirad iqceva: krediti gaicema Sida xelSekrulebis farglebSi, opoTekiT ki itvirTeba mesame piris qoneba, an msesxeblis, magram mxolod ipoTekis sagnis nawilSi ideba notariuli xelSekruleba da saaRsrulebo furceli uproblemod gaicema. arada, msgavs SemTxvevaze ukve imsjela sasamarTlom da Tqva, rom notariul saaRsrulebo furcels orive mxaris neba sWirdeba da notariusma saaRsrulebo furceli mxolod im pirTa mimarT da im dokumentze unda gasces, romelic misi damowmebulia. am mxriv dazaralebuli bevria, Tumca zogi ar midis advokatTan, sasamarTloSi da ukanonobebzec, cxadia, misi Camdeni organizaciebi pasuxs ar ageben. _ aseT ukanono dokumentebs bankebi, mikrosafinanso orga- nizaciebi da notariusebi imis imedad gascemen, rom dazarale- buli adamianebi ar uCivleben, Tu vinmes lobirebis imedi aqvT? _ ver getyviT. SeiZleba vifiqroT, rom maT sjeraT, sworad iqcevian, radgan aseT saqmeebze, jerjerobiT, aravin dasjila da pirveli precedentuli gadawyvetilebaa, romelic mosamarTle Sorena janxoTelma miiRo. Cvenc Zalian didi Sromis Sedegad mivaRwieT Sedegs. saqme is aris, rom saaRsrulebo biuros aRsrulebis vadebi aqvs. Tu am vadebSi Cemi klienti ver Caeteoda, aRsruleba moxdeboda da am SemTxvevaSi fizikur pirs qonebas gauyididnen Sps-s valis uzrunvelsayofad. aseve Sps-s daekisreboda kabaluri Tanxa ise, rom am Sps-s msgavsi dokumentis gacemis neba da uflebamosileba notariusisTvis ar eqneboda micemuli. ipoTekis xelSekruleba Sps-s monawileobis gareSe damtkicda. am dros valdebuleba mas gaugzavnes. aseTi maxinji praqtika imas emsaxureba, rom bankebma da mikrosafinanso organizaciebma fuli martivi wesiT amoiRon. bolo dros, sasamarTlo yvelafers akeTebs, rom bankma kabaluri procenti da pirgasamtexlo ar waiRos, Tumca es organizaciebi mainc cdiloben, sasamarTlos gverdis avliT gaimartivon sesxis amoRebis procedurebi. swored amas emsaxureba notariuli saaRsrulebo furclis aRsruleba. Cven sasamarTloSi wavediT da dava movigeT, magram viRac xom fiqrobs, radgan notariusma es furceli gasca, e. i. kanonieria. sakredito dawesebulebebi gangeb beWdaven wvrili SriftiT, rom nebismieri adamiani 2-3 saaTSi ver gaerkves, ra weria xelSekrulebaSi da ra pirobebs sTvazoben mas es organizaciebi. amas emateba yvelaze mZime pirobis arasistemuri mdebareoba, rac arTulebs mis aRqmas ara mxolod fizikuri SesaZleblobis kuTxiT, aramed xelSekrulebis gaformebis procesSi monawile piris fsiqo-emociuri faqtorebis zegavlenis gamo. amasTan dakavSirebiT, cota xnis win, sasamarTlom ukve imsjela da precedentuli gadawyvetileba gamoitana. aRniSnuli saqme mosamarTle zaza martliaSvilma ganixila. radgan xelSekruleba dabeWdili iyo Zalian wvrili SriftiT, sasamarTlom miiCnia, rom es arRvevda msesxeblis uflebas, xolo sakredito dawesebulebis valdebulebaa, momxmarebels miawodos saWiro cnobebi aRqmadi, gasagebi da individualurad morgebuli formiT. TanabarmniSvnelovania momxmareblis fsiqologiuri ganwyoba, pirovnuli aRqmadobis done, viTareba, romelSic ideba xelSekruleba, an - yvela dasaxelebuli faqtori erTad. amis gamo mosamarTlem baTilad cno xelSekulebis is muxli, romelic msesxeblis mgomareobas amZimebda da banks daakisra Tanxa - 14 aTas larze meti~ amas emteba isic, rom notariusis damowmebul dokumentSi (sesxi, ipoTeka da/an orive erTad) miTi- Tebulia, _ dokumentis gasaCivreba ar aCerebs aRsrulebas, Sesabamisad, maT miaCniaT, rom davas azri ar aqvs da aRar cdiloben samarTlianobis garkvevas da qonebas kargaven. Tumca, rogorc vici, aseT faqtebze sasamarTloSi ukve uamravi sarCelia Sesuli. _ es faqti imazec xom ar miu- TiTebs, rom banki da mikrosafi- nanso organizaciebi konkretul notariusebTan aliasSi arian da erTad sCadian ukanonobebs? _ sakredito dawesebulebebs SerCeuli hyavT saTanamSromlod notariusebi, romlebTanac mudmivad TanamSromloben da xelSekrulebebs aformeben. aseve iqcevian mikrosafinanso organizaciebic. maT aliansebze verafers getyviT, Tumca im konkretul SemTxvevaSi notariusis qmedeba arakanonieri iyo, rac sasamarTlomac daadastura. bolo dros, garkveuli bankebi, aseve kerZo ipoTekarebi, xelSekrulebebs aformeben da mas arqmeven nasyidoba-gamosyidvis xelSekrulebas. isini Tanxas ar gaasesxeben, aseT xelSekrulebas Tu ar gaaformeben. magaliTad, adamiani mivida kerZo pirTan, romelic icis, rom fuls aprocentebs. sesxis gamcemi mas eubneba, _ Tanxas gasesxeb, magram xelSekrulebis forma unda iyos ara sesxisa da ipoTekis, aramed im uZravi qonebis nasyidobis xelSekruleba gamosyidvis uflebiT, N4 (181) 7.02-13.02.2017 w. romelic sesxis uzrunvelsayofad ipoTekiT daitvirTebao. aseT dros, SesaZlebelia, kreditori arakeTilsindisieri aRmoCndes da roca is uZravi qonebis mesakuTre gaxdeba, vadis gadacilebis SemTxvevaSi, movales uTxras, me es qoneba viyideo. am viTarebaSi adamians uwevs dava da sasamarTlos winaSe imis mtkiceba, rom man es Tanxa isesxa da sakuTrebaSi arsebuli qoneba ar gauyidia. amis damtkiceba rTulia, msgavsi saqmeebi ki bolo dros Zalian gaxSirda. _ anu kreditori msesxebels atyuebs? _ am SemTxvevaSi, xelSekrulebis gaformebis dros, mxareebi zepirsityvierad Tanxmdebian, rom es aris sesxisa da opoTekis xelSekruleba, Tumca nasyidoba-gamosyidvis xelSekrulebas dokuments arqmeven. es, Tavisi SinaarsiT, TvalTmaqcur garigebas warmoadgens, magram radgan amaze orive mxarea SeTanxmebuli, movales sjera, rom kreditori miiRebs Tanxas da yvelaferi mSvidobianad dasruldeba, magram xSirad sityvieri SeTanxmeba Zalas kargavs, roca xelSekrulebas vada ewureba. aseT dros didi albaTobaa imisa, rom movalem sasamarTloze simarTle ver daamtkicos da kuTvnili sacxovreblidan gamoasaxlon. roca arsebobs problemuri sesxi da is aRsrulebaSi unda wavides, mxare sTavazobs, rom vadis gagrZelebis mizniT xeli moaweros nasyidoba-gamosyidvis xelSekrulebas. kerZo ipoTekarebi da mikrosafinanso organizaciebi, ZiriTadad, aseTi formiT muSaoben, Tumca mqonda SemTxveva, roca bankic analogiurad moiqca. am dros maTi interesi aris is, rom saxelmwifos gadasaxadebi daumalon, saboloo jamSi, qoneba xel- Si Caigdon da daikanonon. saxelmwifos imiT atyueben, rom gamosyidvis TanxaSi procentic SehyavT da mas aRar begraven. aqedan gamomdinare, msgavsi formis xelSekrulebaze Tanxmoba da xelis mowera, ZiriTadad, niSnavs imas, rom movales, sabolood, sakuTari saxlidan gamoasaxleben. _ kidev ra formebiT atyueben bolo periodSi bankebi, mik- rosafinanso organizaciebi da kerZo ipoTekarebi adamianebs? _ problemuri sesxebis dros aris movalis mimarT muqara, saxlSi misvla. adamianebs eubnebian, rom maTi saxlidan unda gaitanon nivTebi, am dros ar aqvT arc sasamarTlos gadawyvetileba da arc sasamarTlos furceli. es aris terori da sxva araferi. xSirad arRveven personalur monacemebsac, radgan informacia konkretuli piris sesxis Sesaxeb, romelic konfidencialuria, SeiZleba miawodon mesame pirs _ dedas, mamas, naTesavs, mezobels, raTa am adamianis reputaciis SelaxviT miiRon kuTvnili Tanxebi. es aris didi darRveva da msgavsi faqtebis dros aucileblad unda Sevides saCivari personalur monacemTa inspeqtorTan, mocemul momentSi ki gamoiZaxon patruli, _ igi im adamianebis Tavnebobas aRkveTs, romlebic piris kerZo sakuTrebaSi iWrebian da adamianur uflebebs xelyofen. imisaTvis, rom am organizaciebma, an kerZo pirebma saxlidan moZravi qoneba gaitanon, amisTvis maT sWirdebaT sasamarTlo gadawyvetileba da, aseve, aRsrulebis furceli, romlis aRsrulebac saaRsrulebo samsaxuris Tanam- Sromlis prerogativaa, sxva piris msgavsi moqmedeba ki, minimum, aris ukanono da maqsimum _ danaSauli, romelic samarTaldamcvelma organoebma unda aRkveTon. rac Seexeba personaluri monacemebis gacemas, am informaciis gasajaroebis gamo miyenebuli moraluri zianisTvis erT-erT onlain-dawesebulebas sasamarTlom dazaralebuls sasargeblod Tanxa daaksra. SeiZleba amitomac, bankebisa da sakredito organizaciebis xelSekrulebebSi gaCnda mesame pirisTvis informaciis gadacemis ufleba, Tumca gaugebaria, vin moiazreba mesame pirad?! aseT xelSekrulebasac ar unda movaweroT xeli, radgan is, SeiZleba, sajaro sivrceSi aRmoCndes da yvela moqalaqes hqondes saSualeba gaarkvios, visgan ramden sesxs iRebs, ra davalianeba aqvs da a. S., rac moqalaqeTa uflebebs ar- Rvevs. _ ras unda akeTebdes saxelm- wifo da ar akeTebs imisTvis, rom adamianTa uflebebi aseTi form- ebiT ar ilaxebodes? _ samoqalaqo kodeqsis Tanaxmad, sesxisa da ipoTekis xelSekrulebis nacvlad nasyidoba-gamosyidvis xelSekrulebis gaformeba TvalTmaqcuri garigebaa. cxadia, is isjeba, Tu daadastureb da aRiarebac moxdeba im urTierTobis, rac realurad iyo, magram mxareebs ar aqvT misi damtkicebis saSualeba, radgan xSirad mtkicebulebaTa erToblioba ar gaaCniaT. xSirad kreditori movales imden mtkicebulebas ar utovebs, rom man simarTle daamtkicos da sasamarTlosTvis sarwmuno gaxados. saxelmwifo yvela xelSekrulebas ver Seiswavlis, aqedan gamomdinare, Tavad unda davfiqrdeT, roca xelSekrulebebs vawerT xels. Tu ar viciT rogor moviqceT, kvalificiur adamianebs vkiTxoT, sxva SemTxvevaSi, yovelTvis viqnebiT dazaralebulni da motyuebulni. saqmeebma isic gviCvena, _ aseT faqtebze samarTaldamcveli organoebi amboben, rom es sasamarTlo davis sagania da kvalifikacias ar aniWeben. _ anu saxelmwifo danaSauls xels uwyobs? _ miaCnia, rom samarTaldamcvelma organoebma msgavs faqtebze sisxlis samarTlis gamoZieba unda daiwyon da sasamarTlos mudmivad ar eqneba imis problema, rom bevri saqme daugrovdes. amiT moqalaqeebi da garkveuli uwyebebi mixvdebian, rom urTier- Tobis swori forma unda Sear- Cion. aseve, im adamianebs, romlebic aseT saqmeebs sCadian, saSualeba ar miecemaT, sxvisi mdgomareobiT isargeblon da moqalaqeebs xelovnurad Seuqmnan problemebi. 29

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