Búl turaly Qarjy instituty LS basylymynyng saualyna bergen jauabynda habarlady.

Resmy aqparatqa say, "Otbasy bank" islamdyq ipotekany iske qosu baghytynda júmys jýrgizude, dep jazady inbusiness.kz sayty

Eske salayyq, biyldan bastap kommersiyalyq bankterge islamdyq bank operasiyalaryn jýzege asyrugha zang jýzinde rúqsat berilgen edi.

Qarjy institutynyng habarlauynsha, halal qarjylyq operasiyalardy engizu ýshin "Otbasy bankine" rúqsat etilgen qyzmet týrlerining tizbesin keneytu qajet. Ol ýshin "Túrghyn ýy qúrylys jinaqtary turaly" zangha ózgerister engizu talap etiledi.

– Zangha engiziletin ózgerister bastaldy, qazir búl memlekettik organdarmen kelisu satysynda túr, – dep naqtylady "Otbasy bank" ókilderi.

Sonymen qatar, islamdyq qarjylandyrudy engizu ayasynda birqatar auqymdy tehnikalyq jәne әdisnamalyq ózgeris qajet. Atap aitqanda:

• ayyppúl sanksiyalarynyng bolmauy (tólem merzimi keshikken jaghdayda alynatyn aiyppúldar qayyrymdylyqqa baghyttalady);
• dәstýrli payyzdyng qoldanylmauy (jalgerlik tólemder men bank marjasy býkil jaldau merzimine bólinedi);
• ónimder men operasiyalardyng islam qarjy qaghidattaryna sәikestigin rastaytyn sharighat kenesining sheshimining boluy;
• әrbir qarjylyq operasiya boyynsha jeke kelisimsharttar jasasu qajettiligi (jyljymaytyn mýlikti satyp alu, jalgha beru, satu).

Bank mәlimetinshe, qazir ipoteka men keyin satyp alu qúqyghymen jalgha beru tetikterining birneshe núsqasy qarastyrylyp jatyr. Olardyng qatarynda murabaha, idjara, musharaka bar. Sonday-aq depozittik ónimder retinde mudaraba, vakala, musharaka modelideri zerdelenude. Búl ónimderdi tolyq engizu men iske asyru zannamalyq talaptar men liysenziyagha tikeley baylanysty bolmaq.

Atalghan ipotekanyng basty ereksheligi mynada – onda dәstýrli payyz atymen joq. Bank tabysyn jaldau nemese ýsteme aqy arqyly ghana alady. Qarapayym tilmen aitqanda, bank bergen aqshasyna payyz qospaydy. Onyng ornyna ýidi ózi satyp alyp, tútynushygha uaqytsha jalgha beredi. Ol ay sayyn sol ýide túrghany ýshin aqysyn tóleydi.

Qarjy institutynyng deregine say, Qazaqstandaghy músylman eresek halyqtyng 2 millionnan astamy (shamamen 20%) túrghyn ýy jaghdayyn jaqsartudy qúp kóredi. Dese de, qoldanystaghy ipotekalyq baghdarlamalardyng basym bóligi islam qaghidattaryna say kelmeydi.

Múnan bólek, halyqaralyq yntymaqtastyqty damytu ayasynda, Bayterek holdingining enshiles úiymy sanalatyn "Otbasy bank" Pәkistandaghy islam bankingi qaghidatymen júmys isteytin iri qarjy úiymdarynyng biri – Meezan Bank Limited bankimen yntymaqtastyq turaly memorandumgha qol qoydy.

Abai.kz