Nega 85 foiz oldindan toʻlov? – Rasul Kusherboyev

Hamma biladiki, Uzavtomotors AJ dilerlari bilan avtomashina sotib olishda shartnoma qiymatining kamida 85%ini oldindan toʻlash talablari koʻrsatilgan.

Monopolistning isteʼmolchiga diktovkasi shu qadar kuchliki, hech kim nega 85% oldindan toʻlov qilishim kerak oʻzi deb soʻrab ham oʻtirmaydi.
Mashina puli toʻlangach, minib ketilsa-ku, mayli, lekin puli toʻlangach, oylab mashina chiqishini kutsang ham 85% pul toʻlash qaysi aqlga sigʻadi?

Amaldagi qonunchilikka koʻra, shartnoma shartlari kuchga kirishi uchun 15% oldindan toʻlov kifoya. Bu meʼyorlar bundan 25 yil avvalgi farmonda(https://lex.uz/docs/181809) belgilab qoʻyilgan.

Aytishingiz mumkin, farmonda oldindan toʻlovning eng kam miqdori 15% etib koʻrsatilgan. Demak 50% ham, 85% ham, hatto 100% ham mumkin deb. Ha, shunday, lekin qonunga koʻra bu tomonlarning oʻzaro kelishuviga koʻra belgilanadi.

Isteʼmolchilar huquqlarini himoya qilish toʻgʻrisidagi Qonunga koʻra Tovar (ish, xizmat)lar uchun haq toʻlash shakli hamda tartibi isteʼmolchi bilan sotuvchi (ishlab chiqaruvchi, ijrochi) oʻrtasidagi kelishuvga binoan belgilanadi. Tomonlar oʻrtasida shartnoma narsasi, miqdor, narx va boshqa muhim shartlar toʻgʻrisida kelishuvga erishilsa, isteʼmolchi bilan ishlab chiqaruvchi (ijrochi, sotuvchi) oʻrtasida shartnoma tuzilgan hisoblanadi.

Lekin Siz Uzavtomotors AJ bilan 15% oldindan toʻlov shartlarida avtomashina sotib olish uchun shartnoma tuzishga urinib koʻring. Qonun boʻyicha bunga haqli boʻlsangiz ham aslo buning iloji yoʻq, chunki ular monopolist diktovkasi bilan tuzilgan shartnomaning bitta harfini ham oʻzgartirishmaydi. Nega? Chunki u monopolist.

Endi siz masalan, mebel sotuvchi bilan shartnoma tuzing, shartnomaning har bir bandini sotuvchi bilan muhokama qilib, oʻzaro kelishuv asosida belgilaysiz, bemalol 15% oldindan toʻlov bilan mebel buyurtma qila olasiz. Chunki sizda mebel olishda tanlov bor.

Shunga shunchami, deysizmi? 85% oldindan toʻlov bu Uzavtomotors AJ uchun tekin kredit, siz uchun esa ortiqcha toʻlov aslida.

Masalan, oʻtgan haftada 2021 yil iyun oyida avtomashina chiqarish shartlarida (!) Labo avtomashinasi sotib olish uchun shartnoma tuzishi mumkin edi (hozir salonlarda Laboga shartnoma qolmagan).

Yaʼni, 85% toʻlov qilgan xaridor Laboni 8 oy kutadi (yana +30 kun ham qoʻshilgan). 76 million soʻmlik Laboning 85%i 65 mln.soʻm boʻladi. Vaholanki, xaridor Labo olishga shartnoma tuzish uchun 65 mln.soʻm emas, 11 mln.soʻm toʻlashga toʻla haqli. Yoʻq, Uzavtomotors AJ monopol shartlarini tiqishtirib, bunga aslo rozi boʻlmaydi. Natijada xaridorning 54 mln.soʻm puli 8 oyga muzlaydi, Agar shu pulni xaridor eng past stavka yillik 14% ustama bilan bank depozitida 8 oy saqlasa, kamida 5 mln.soʻm qoʻshimcha daromadga ega boʻlgan boʻlardi. Bu degani oʻsha 76 mln.soʻmlik Labo xaridorga, 76 mln.soʻm emas, kamida 81 mln.soʻmga tushayapti degani.

Xaridordan oldindan 85%lik toʻlov olgan Uzavtomotors AJ nima qiladi, avvalo oʻzining puliga emas, xaridorning puliga avtomashina ishlab chiqaradi, yana banklardagi depozitlarda bir necha oy saqlash evaziga daromad ham koʻradi.

Darvoqe, Monopoliyaga qarshi kurash qoʻmitasi Uzavtomotors AJ avtomashinalari tannarxini hisoblaganida xaridorlardan 85%lik toʻlov hisobiga yigʻilgan mablagʻlarni monopolistning bank depozitlariga joylashtirishdan olingan milliardlab daromadlarni inobatga olganmikan?

Maʼlumot uchun: Uzavtomotors AJ (DjiEm Oʻzbekiston AJ) 2011 yilga qadar ham 15% oldindan toʻlov shartlarida shartnomalar tuzib kelgan.

Deputat sifatida Monopoliyaga qarshi kurash qoʻmitasidan Uzavtomotors AJ dilerlaridan avtomashina sotib olishda 85%lik oldindan toʻlov majburiyati amaldagi qonunchiligimizga muvofiqligi masalasini ham alohida oʻrganib chiqishni soʻrab qolaman. Uzavtomotors AJ esa oldindan 85% toʻlov evaziga shakllangan milliardlab bepul mablagʻlar hisobidan ega boʻlayotgan qoʻshimcha daromadlari qay yoʻnalishda sarflanayotganini ochiqlasa, yomon boʻlmasdi.

Rasul Kusherboyev.

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