ХАС банк ичиг, ичиг

2013092402tХөгжлийн алтан сан­­гаар танигдсан ХАС банк бусдаасаа урьтаж ба­га, дунд бизнестэй хү­мүүсийн амжилтын шанг таталцсан анхны түнш. Гэвч харилцагчдаа эр­гэлзээнд хүргэсэн ойл­гомжгүй шийдвэр нь өн­гөрсөн хэдэн өдрийн шуугианы сэдэв болов. Найман хувийн хүүтэй орон сууцны зээлийн 30 хувийн урьдчилгааг цуг­луулах гэж урд хойноо орж яваа иргэдийг цус харвуулах дөхсөн нь тэр байлаа.

Урьдчилгааныхаа хэмжээг хоёр дахин нэмж 60 хувьд хүргэснээр зээл хөөцөлдсөн олныг санхүүгийн аргаар боо­милсон хэрэг болсон юм. Мэдээж, энэ зээлийг олгохын тулд ХАС-ынхан Монголбанкнаас хөнгөлөлттэй зээл авч, цаашлаад иргэдийн зээлийн баримтыг бүрдүүлэх, шимтгэл хураах нэрээр чамлахааргүй ашиг олсон.  

Наад зах нь гэхэд банк хоорондын мөнгөн шилжүүлгийнхээ шимтгэлийг Монголд хаана ч байхгүй өндөр үнэ болох 2000 төгрөгт хүргэж өсгөсөн байх жишээтэй. Арилжааны бусад банкны нэхдэгээс зургаа дахин өндөр үнэ энэ. Найман хувийн зээл хөөцөлдөж байгаа хүн өөр банкинд үл хөдлөхийн лавлагааны 5000 төгрөгөө ХАС-аар шилжүүлэхдээ харилцагч нь биш бол нийт 7000 төгрөг төлөх болоод байна. Үүн дээрээ нэмээд урьдчилгаагаа хоёр дахин өсгөсөн нь иргэдэд асуулт болон үлдсэн юм.

 

“ИЧСЭН” БАНК ХУДЛАА МЭДЭЭЛНЭ

“ХАС бол ХААН, Төрийн банк шиг том банк биш шүү дээ. Төрийн банк эсвэл Хаан банк ийм асуудал үүсгэсэн бол бас яахав” гэж Ерөнхий сайд өнгөрсөн пүрэв гаригт хэвлэлийнхэнд ярьсны маргааш нь ХАС-ынхан “Ичсэн хүн хүн ална” гээчийн үлгэрийг яруу тодоор харууллаа. Өдөр тутмын хэвлэлийн эхний нүүрэнд сурталчилгаа байрлуулж, битүү хатуу бөөрөнхийлсөн өгүүлбэрүүд чулуудаад, “Манай банкны урьдчилгаа 30 хувь хэвээрээ байгаа” гэж улайм цайм бас дурайлгажээ. Зээлийнхээ чанарт зохицуулалт хийх зорилгоор, зээл олголтыг сааруулах гэж… гэх хүнд хүнд албаны үг “тэрлэсэн” тэдний мэдэгдэл олон нийтэд одоо ч хангалттай тайлбар болж чадахгүй байна. Ингэхээр ХАС банк монголчуудын санхүүгийн тогтвортой, бас сайн түнш эсэх нь эргэлзээтэй бөгөөд харин ч цус харвуулах гэнэтийн мэдээг хэзээ ч бариад гүйж мэдэх барьцгүй нөхөд гэж хардахад хүргэж байгаа юм. Бас манайдаа л томхон банкуудын нэг гэсэн олон нийтийн бодол эндүү байсныг гэнэтийн шийдвэрээрээ тэд хэлээд өгөв үү.

 

БАЯЛГИЙН ЭРЭЛЧДЭЭ ЯЛГАВАРЛАВ

Монголын эдийн засгийн тулах цэг болсон уул уурхайн салбарынхныг найман хувийн зээлийн гадна үлдээсэн нь ХАС-ынхны барьсан ээлжит гэнэтийн бэлэг байлаа. Эдийн засаг хүндэрч, уул уурхайн салбарынхан эрсдэлд орсон гэж үзээд ийн шийдвэр гаргасан хэмээх тэдний тайлбар ажилтай, орлоготой л бол хэн бүхэн авч болох уриатай найман хувийн зээлийн хөтөлбөрөөс иргэдийг ялгаварлан гадуурхаж буй хэрэг. Манайдаа хамгийн том компани болох “Оюутолгой”-д ажилладаг байлаа гээд ч энэ зээлийг ХАС-аас хөөцөлдвөл мухардаад дуусах нь. Уул уурхайнхан хамгийн эрсдэлтэй бизнес юм бол тэднээс орлого, ашгийнхаа эх ундаргыг залгуулдаг манай улс тэр чигээрээ тэсрэх бөмбөгөн дээр байгаа юм байна л даа. Энэ утгаараа бол ХАС-ынхнаас бусад нь, Ерөнхийлөгчөөсөө авахуулаад малчин хүртлээ эрсдэлтэй бас зээл авах чадал чансаагүй оронд амьдарч байгаа бололтой.

Уул уурхайнхан манай ДНБ-ий бараг тэн хагастай тэнцэх хэмжээний хөрөнгө оруулалтыг хийж байгаа. Энэ л салбарт ажиллаж байгаа хүмүүс манай улсын валютын эргэлтийг өдөр бүр залгуулж, хэвлэлийн хуудасны эхний нүүрнээс л хардаг алт, зэсийн олборлолтыг хийх хүнд хүчир ажилтай зууралддаг. Бүр тодруулбал, өнөөдөр иргэд банкнаас зээл авч түүнийгээ эргэлдүүлэх бизнесийн орчин, хөрөнгө оруулалтын дардан замыг уурхайчид, уул уурхайн салбарынхны хүчин чармайлтгүйгээр төсөөлөх аргагүй. Ашигт малтмалын эрэлчдийн эгнээнд ажилласныхаа төлөө найман хувийн зээлээс хоцорч үлдэнэ гэдэг иргэдийн хувьд дэндүү хатуу шаардлага болоод байна. Монголбак болоод эдийн засагчид энэ хөтөлбөр лав л ойрын арван жилдээ ямар ч эрсдэлгүй хэрэгжих бололцоотойг батлаад байхад арилжааны аль нэг банк нь ийм шийдвэр гаргаж буйг хэрхэн тайлбарлах вэ. Ингэхээр “Зөв банк” уриатай ХАС банкинд тэгвэл иргэдийн тэгш эрхийн талаар хэлэх ч үг алга.

 

БАНКУУДЫН ӨРСӨЛДӨӨН ХААНА БАЙНА?

Гадаад улсуудад орон сууцны зээлийн хүү 3-4 хувьтай байна. Санхүүгийн зах зээлийн өрсөлдөөн жинхэнэ утгаараа хөгжсөн болохоор манайх шиг банкаас өөр санхүүгийн сурвалж байхгүй данхар бүтэц ховор. Өнөөдрийн байдлаар АНУ-д 30 жилийн хугацаатай орон сууцны зээл 4.8 хувийн хүүтэй бол нийт америкчуудын 75 хувь нь ийм зээлд хамрагдсан байна. Харин Японд орон сууцны 10 жилийн хугацаатай зээлийн хүү нь 1.4-1.6 хувьтай бөгөөд нийт зээлийнх нь 46 хувийг орон сууцны зээл эзэлсэн байна.

Манай улсад нийт зээлд эзлэх орон сууцны зээл 10 хувьд ч хүрэхгүй. Энэ нь арилжааны банкуудын өрсөлдөөн газар булаатай, зээлийн хүү тэнгэрт тулсныг илэрхийлж буй тоо юм. Эцэстээ арилжааны зарим банк нь дур дураараа урьдчилгаагаа өсгөж, бүр иргэдээ ажил мэргэжлээр нь ялгаварлан гадуурхаж байна. Үүний оронд гадаадын томоохон банкуудыг оруулж ирээд зээлийг хямд хүүгээр хэрхэн олгодгийг харуулах цаг болсны шинж тэмдэг байж мэдэх юм. Манай улсад гадаадын хэд хэдэн банкны төлөөлөгчийн газар нээгдсэн. “Банк оф Чайна”, “Mицуй”, “Стандарт Чартер”, Европын сэргээн босголт, хөгжлийн банк зэргийн төлөөлөгчийн газар бий. Манай банкны систем их жижиг, эзмэг болохоор гадаадын банкны системийг шууд оруулах нь зөв эсэхэд одоо хэр нь шийдэл олоогүй байна. ХАС мэтийн дотоодын арилжааны банкууд иргэдээ хайр найргүй алагчилж байхад заавал дотоодын зах зээлээ хамгаална гэж хэдэн банкирийг өмгөөлж өрсөлдөөнийг хүчээр барьсаар байх нь зөв эсэхэд бодох цаг болжээ.

 

Ж.ЦОГЗОЛМАА

“ЗУУНЫ МЭДЭЭ” СОНИН


URL:

Нэр: gadgets Огноо: 6 November 2019

Thanks for this amazing Post dear, I like your website.

Нэр: realistic vibrator Огноо: 9 November 2019

just beneath, are many entirely not associated web-sites to ours, on the other hand, they may be surely really worth going over

Нэр: robertson winery wine tasting Огноо: 10 November 2019

just beneath, are various completely not related web pages to ours, nevertheless, they may be surely worth going over

Нэр: buy ddos service Огноо: 10 November 2019

the time to read or pay a visit to the content or web sites we’ve linked to below the

Нэр: Satta King online result Огноо: 11 November 2019

Thanks for the post admin, I like your website.

Нэр: 퍼스트카지노 Огноо: 12 November 2019

Wonderful story, reckoned we could combine some unrelated data, nevertheless definitely worth taking a search, whoa did one particular find out about Mid East has got a lot more problerms also

Нэр: Keto Огноо: 12 November 2019

we prefer to honor quite a few other web web sites around the net, even when they aren

Нэр: 코인카지노 Огноо: 12 November 2019

The info mentioned within the post are a few of the best offered

Нэр: PORNHUB Огноо: 13 November 2019

Sites of interest we’ve a link to

Нэр: Business magazine Огноо: 13 November 2019

I believe you have remarked on some very interesting points , thankyou for the post.

Нэр: Mireille Sea Огноо: 14 November 2019

Thanks for the post dear, I like your blog.

Нэр: cherry air freshener Огноо: 17 November 2019

Here is an excellent Weblog You might Uncover Fascinating that we Encourage You

Нэр: Marketing agency Огноо: 23 November 2019

Thanks for the post dear, I like your blog.

Нэр: best cbd oil for pain Огноо: 24 November 2019

below you

Нэр: ETORRENT PORN Огноо: 27 November 2019

although internet websites we backlink to below are considerably not connected to ours, we really feel they may be in fact worth a go via, so possess a look

Нэр: plagiarism chek Огноо: 1 December 2019

Free Pro SEO Tools is a bundled assortment of the highest SEO improvement tools to index any web site. We provide all our applications free of charge by signing in , like XML Sitemap Generator, Plagiarism Checker, Article Rewriter, Article Spinner etc.

Нэр: app download for windows 10 Огноо: 1 December 2019

the time to study or check out the material or web-sites we have linked to beneath the

Нэр: sailboat charter croatia Огноо: 2 December 2019

we came across a cool web page that you just may possibly enjoy. Take a search should you want

Нэр: how to use adam’s silicone dildo Огноо: 2 December 2019

usually posts some incredibly fascinating stuff like this. If you

Нэр: Translation JLT Огноо: 2 December 2019

Thanks for the post dear, I love your website.

Нэр: remote control panty vibrator Огноо: 3 December 2019

Here are several of the web pages we recommend for our visitors

Нэр: onewalmart.com Огноо: 5 December 2019

we came across a cool web site that you just could love. Take a appear if you want

Нэр: Indian Shoe King Огноо: 6 December 2019

Thanks for this amazing Post dear, I like your website.

Нэр: 우리카지노 Огноо: 12 December 2019

that would be the finish of this write-up. Right here you

Нэр: rave weddings Огноо: 12 December 2019

Thanks for this amazing Post dear, I like your blog.

Нэр: Google Огноо: 13 December 2019

Here is a good Blog You may Locate Fascinating that we encourage you to visit.

Нэр: dildo for women Огноо: 13 December 2019

Here are a few of the internet sites we advocate for our visitors

Нэр: Troy Koubek Огноо: 14 December 2019

Thanks for the post dear, I love your website.

Нэр: Live sex Огноо: 14 December 2019

very few websites that happen to be comprehensive beneath, from our point of view are undoubtedly very well really worth checking out

Нэр: online research repository Огноо: 15 December 2019

we like to honor several other net websites around the net, even though they aren

Нэр: translate youtube Огноо: 16 December 2019

Thanks for the post dear, I love your blog.

Нэр: youngbloodz Огноо: 16 December 2019

Thanks for this amazing Post admin, I love your blog.

Нэр: high quality vibrator Огноо: 16 December 2019

very handful of internet sites that take place to be in depth below, from our point of view are undoubtedly nicely worth checking out

Нэр: PORN VIDEOS ONLINE Огноо: 17 December 2019

Wonderful story, reckoned we could combine a few unrelated information, nevertheless really really worth taking a appear, whoa did 1 learn about Mid East has got much more problerms also

Нэр: fajerwerki cena Огноо: 18 December 2019

Thanks for the post dear, I like your website.

Нэр: Ghana Mp3 Огноо: 18 December 2019

Thanks for the post admin, I love your website.

Нэр: rc shop online Огноо: 20 December 2019

please visit the web-sites we follow, including this 1, as it represents our picks in the web

Нэр: ketamine Огноо: 20 December 2019

Every after inside a though we pick out blogs that we read. Listed beneath are the newest websites that we pick

Нэр: Vanguard Newspaper Огноо: 21 December 2019

Every as soon as in a when we pick out blogs that we study. Listed beneath would be the latest web sites that we select

Нэр: online research library Огноо: 22 December 2019

the time to study or visit the subject material or sites we have linked to beneath the

Нэр: 메이저토토 Огноо: 22 December 2019

Title

[...]usually posts some really fascinating stuff like this. If you are new to this site[...]

Нэр: Dank carts Огноо: 22 December 2019

always a massive fan of linking to bloggers that I love but do not get lots of link adore from

Нэр: we vibe Огноо: 23 December 2019

Sites of interest we’ve a link to

Нэр: dildo with balls Огноо: 23 December 2019

here are some links to internet sites that we link to mainly because we consider they’re really worth visiting

Нэр: 먹튀 폴리스 Огноо: 23 December 2019

Title

[...]please pay a visit to the web sites we adhere to, which includes this one particular, because it represents our picks from the web[...]

Нэр: best wand massager Огноо: 23 December 2019

Here are some of the internet sites we advise for our visitors

Нэр: prepaidgiftbalance.com register Огноо: 24 December 2019

one of our guests not too long ago suggested the following website

Нэр: china Огноо: 24 December 2019

Sites of interest we’ve a link to

Нэр: 우리 카지노 Огноо: 24 December 2019

Title

[...]Sites of interest we’ve a link to[...]

Нэр: EKG Technician Огноо: 26 December 2019

Thanks for the post dear, I like your website.

Нэр: best cbd oil for pain Огноо: 27 December 2019

Title

[...]usually posts some quite interesting stuff like this. If you are new to this site[...]

Нэр: psychiatry Огноо: 27 December 2019

Thanks for the post admin, I like your blog.

Нэр: how to get more instagram followers Огноо: 28 December 2019

we like to honor many other internet web-sites around the web, even though they aren

Нэр: 婚約指輪 猫 Огноо: 28 December 2019

Title

[...]Here are a few of the sites we advocate for our visitors[...]

Нэр: best cbd oil for pain Огноо: 28 December 2019

we like to honor a lot of other internet internet sites around the web, even when they aren

Нэр: anal sex toy Огноо: 28 December 2019

Developing a framework is important.

Нэр: Biography Огноо: 29 December 2019

below you

Нэр: accessories for women Огноо: 29 December 2019

Wonderful story, reckoned we could combine some unrelated data, nonetheless definitely worth taking a look, whoa did one master about Mid East has got extra problerms too

Нэр: 우리카지노 Огноо: 31 December 2019

Title

[...]Every once in a though we pick out blogs that we study. Listed below are the latest websites that we select [...]

Нэр: https://blockchainafrica.site/ Огноо: 1 January 2020

usually posts some quite fascinating stuff like this. If you

Нэр: Ficchi Огноо: 1 January 2020

Title

[...]we came across a cool internet site that you could possibly enjoy. Take a appear should you want[...]

Нэр: walmartone login for employees Огноо: 1 January 2020

always a major fan of linking to bloggers that I enjoy but do not get lots of link like from

Нэр: https://outlook.live.com/ Огноо: 1 January 2020

the time to read or go to the content or web pages we’ve linked to beneath the

Нэр: Prestige Primerose Hills Location Огноо: 2 January 2020

Title

[...]one of our visitors lately encouraged the following website[...]

Нэр: waterproof pocket massager Огноо: 2 January 2020

Wonderful story, reckoned we could combine a few unrelated data, nonetheless definitely worth taking a appear, whoa did 1 study about Mid East has got extra problerms too

Нэр: fun science experiments for kids Огноо: 2 January 2020

The details talked about in the report are a number of the very best obtainable

Нэр: app download for pc Огноо: 3 January 2020

check below, are some completely unrelated internet sites to ours, nonetheless, they’re most trustworthy sources that we use

Нэр: app for pc download Огноо: 3 January 2020

here are some links to websites that we link to for the reason that we assume they’re really worth visiting

Нэр: free download for windows 7 Огноо: 3 January 2020

just beneath, are a lot of totally not associated web sites to ours, however, they’re certainly worth going over

Нэр: pc app free download Огноо: 3 January 2020

always a large fan of linking to bloggers that I really like but do not get quite a bit of link love from

Нэр: games for laptop download Огноо: 4 January 2020

we like to honor lots of other web sites on the net, even though they aren

Нэр: redirected here Огноо: 4 January 2020

one of our visitors lately recommended the following website

Нэр: sous traitance web Огноо: 4 January 2020

we came across a cool web page that you may well get pleasure from. Take a appear in case you want

Нэр: free download for windows 8 Огноо: 4 January 2020

one of our guests a short while ago advised the following website

Нэр: madflyessentials Огноо: 4 January 2020

Thanks for this amazing Post admin, I like your blog.

Нэр: dildo Огноо: 4 January 2020

please pay a visit to the web pages we stick to, like this a single, because it represents our picks through the web

Нэр: best cbd gummies Огноо: 6 January 2020

Title

[...]Wonderful story, reckoned we could combine several unrelated data, nonetheless definitely worth taking a look, whoa did one particular discover about Mid East has got far more problerms at the same time [...]

Нэр: ehlers danlos Огноо: 6 January 2020

Here is a good Weblog You may Uncover Fascinating that we Encourage You

Нэр: Fast money Огноо: 6 January 2020

very few websites that take place to become detailed below, from our point of view are undoubtedly properly worth checking out

Нэр: best cbd capsules Огноо: 7 January 2020

Title

[...]that will be the end of this post. Here you will obtain some sites that we assume you’ll enjoy, just click the links over[...]

Нэр: can i buy lsd online Огноо: 7 January 2020

Wonderful story, reckoned we could combine several unrelated data, nonetheless seriously worth taking a search, whoa did one particular find out about Mid East has got far more problerms as well

Нэр: pocket male masturbator Огноо: 7 January 2020

although web-sites we backlink to below are considerably not connected to ours, we really feel they are essentially really worth a go via, so have a look

Нэр: power washing services Огноо: 8 January 2020

we came across a cool web-site that you could take pleasure in. Take a search in the event you want

Нэр: download pornd on connectivasystems Огноо: 9 January 2020

very handful of internet sites that take place to be in depth beneath, from our point of view are undoubtedly properly really worth checking out

Нэр: prepaidgiftbalance.com Огноо: 11 January 2020

very few websites that take place to be detailed beneath, from our point of view are undoubtedly very well really worth checking out

Нэр: video editing Огноо: 12 January 2020

Thanks for this amazing Post admin, I love your blog.

Нэр: soin naturel Огноо: 14 January 2020

Thanks for this amazing Post dear, I like your blog.

Нэр: businessenligne Огноо: 14 January 2020

Thanks for this amazing Post admin, I like your website.

Нэр: web design youngstown Огноо: 16 January 2020

Thanks for this amazing Post admin, I like your blog.

Нэр: 社長代行 Огноо: 16 January 2020

Title

[...]Wonderful story, reckoned we could combine several unrelated information, nevertheless seriously really worth taking a appear, whoa did a single find out about Mid East has got more problerms as well [...]

Нэр: viagra Огноо: 16 January 2020

Title

[...]just beneath, are numerous totally not related sites to ours, nonetheless, they are certainly worth going over[...]

Нэр: khosim Огноо: 18 January 2020

Title

[...]one of our guests a short while ago proposed the following website[...]

Нэр: www.scarletblue.com.au Огноо: 18 January 2020

Title

[...]here are some links to websites that we link to because we assume they may be really worth visiting[...]

Нэр: original post Огноо: 19 January 2020

Title

[...]the time to read or stop by the material or web sites we’ve linked to below the[...]

Нэр: Men's & Women's clothes Огноо: 21 January 2020

Thanks for this amazing Post dear, I love your blog.

Нэр: cannabidiol Огноо: 28 January 2020

Title

[...]always a significant fan of linking to bloggers that I adore but don’t get quite a bit of link appreciate from[...]

Нэр: Click here for more details Огноо: 30 January 2020

it is a really nice point of view. I usually meet people who rather say what they suppose others want to hear. Good and well written! I will come back to your site for sure!

Нэр: FIFA55 Огноо: 3 February 2020

Thanks for the post dear, I like your website.

Нэр: ascendkayak Огноо: 3 February 2020

Thanks for the post dear, I like your blog.

Нэр: thc vape juice Огноо: 6 February 2020

Here is an excellent Weblog You might Discover Intriguing that we Encourage You

Нэр: MrPornGeek Огноо: 7 February 2020

that would be the finish of this report. Here you will uncover some websites that we think you

Нэр: Homepage Огноо: 9 February 2020

Enjoyed studying this, very good stuff, thanks.

Нэр: Grazing Boards Огноо: 13 February 2020

Here is a good Weblog You might Discover Exciting that we Encourage You

Нэр: CBD oil side effects Огноо: 14 February 2020

Here is a good Weblog You might Come across Fascinating that we Encourage You

Нэр: CBD oil Огноо: 15 February 2020

we came across a cool web site that you just may get pleasure from. Take a search when you want

Нэр: hip hop bars in atlanta Огноо: 15 February 2020

always a big fan of linking to bloggers that I appreciate but do not get a great deal of link enjoy from

Нэр: best apps Огноо: 15 February 2020

Sites of interest we’ve a link to

Нэр: carpet cleaning maple ridge bc Огноо: 20 February 2020

Here are several of the websites we recommend for our visitors

Нэр: فیلم سوپر Огноо: 21 February 2020

Here is a great Blog You may Come across Fascinating that we Encourage You

Нэр: https://myinforms.com/ Огноо: 22 February 2020

the time to read or check out the subject material or web-sites we have linked to below the

Нэр: Biography Огноо: 27 February 2020

the time to study or go to the material or websites we have linked to beneath the

Нэр: thrusting vibrator Огноо: 28 February 2020

we like to honor quite a few other online web-sites on the net, even if they aren

Нэр: Avilla Indiana Огноо: 1 March 2020

usually posts some extremely fascinating stuff like this. If you are new to this site

Нэр: taxi to Gatwick Огноо: 2 March 2020

Title

[...]that could be the finish of this write-up. Right here you will find some internet sites that we feel you will enjoy, just click the hyperlinks over[...]

Нэр: dax history Огноо: 4 March 2020

Wonderful story, reckoned we could combine a few unrelated data, nevertheless genuinely worth taking a look, whoa did one master about Mid East has got more problerms also

Нэр: CRYPTO Огноо: 5 March 2020

Title

[...]we came across a cool site that you simply may enjoy. Take a look in case you want[...]

Нэр: buy weed online Огноо: 7 March 2020

Title

[...]Here are a number of the web sites we advise for our visitors[...]

Нэр: sexy cams live Огноо: 7 March 2020

The facts talked about within the report are a few of the best accessible

Нэр: best CBD oil Огноо: 8 March 2020

Title

[...]although web-sites we backlink to beneath are considerably not connected to ours, we really feel they may be in fact worth a go via, so possess a look[...]

Нэр: recetas fit Огноо: 9 March 2020

Title

[...]very handful of sites that come about to become in depth below, from our point of view are undoubtedly very well worth checking out[...]

Нэр: weed strains Огноо: 9 March 2020

although sites we backlink to beneath are considerably not related to ours, we really feel they’re actually worth a go by way of, so have a look

Нэр: https://royalcbd.com/product/cbd-oil-2500mg/ Огноо: 10 March 2020

Here are a few of the sites we recommend for our visitors

Нэр: https://royalcbd.com/product/cbd-capsules-25mg/ Огноо: 11 March 2020

Title

[...]we came across a cool web-site that you just may possibly take pleasure in. Take a look in the event you want[...]

Нэр: https://royalcbd.com/product/cbd-gummies-25mg/ Огноо: 11 March 2020

Every when in a while we choose blogs that we study. Listed below are the newest sites that we choose

Нэр: แทงบอลโปรโมชั่น100 Огноо: 12 March 2020

Title

[...]that would be the finish of this write-up. Right here you will obtain some web sites that we think you will value, just click the links over[...]

Нэр: ดูหวยออนไลน์ Огноо: 12 March 2020

Title

[...]we prefer to honor lots of other net web pages on the internet, even though they aren’t linked to us, by linking to them. Below are some webpages worth checking out[...]

Нэр: Coinpunk Огноо: 12 March 2020

just beneath, are various absolutely not related websites to ours, nevertheless, they are certainly really worth going over

Нэр: coinchomp Огноо: 12 March 2020

usually posts some very interesting stuff like this. If you are new to this site

Title

[...]The information talked about within the article are several of the most effective obtainable [...]

Нэр: Des blood VR Огноо: 13 March 2020

below you

Нэр: 바다이야기 Огноо: 13 March 2020

Title

[...]Sites of interest we have a link to[...]

Нэр: کلیپ کوس لیسی‌ پسر ایرانی‌ Огноо: 14 March 2020

we came across a cool web-site that you may possibly delight in. Take a look in the event you want

Нэр: best collagen face cream Огноо: 14 March 2020

Title

[...]always a major fan of linking to bloggers that I enjoy but don’t get quite a bit of link love from[...]

Нэр: great Dane puppy for sale Огноо: 16 March 2020

below you

Нэр: English bulldog puppies for sale Огноо: 16 March 2020

we like to honor many other world wide web web-sites on the web, even when they aren

Нэр: blue applehead chihuahua puppies for sale Огноо: 16 March 2020

that will be the finish of this post. Right here you will locate some internet sites that we think you will value, just click the links over

Нэр: corgi puppies for sale Огноо: 16 March 2020

just beneath, are many absolutely not related sites to ours, having said that, they may be surely really worth going over

Нэр: http://buycounterfeitmoneyonline.net Огноо: 17 March 2020

we came across a cool web page that you simply could possibly take pleasure in. Take a search in case you want

Нэр: Puppies for sale near me Огноо: 17 March 2020

below you

Нэр: bullmastiff puppies for sale near me Огноо: 18 March 2020

Here are some of the web-sites we advocate for our visitors

Нэр: Puppies for sale Огноо: 18 March 2020

Here is a superb Blog You might Discover Exciting that we Encourage You

Нэр: https://counterfeitmoneyforsale.online/ Огноо: 20 March 2020

Wonderful story, reckoned we could combine a number of unrelated data, nevertheless definitely really worth taking a appear, whoa did one particular learn about Mid East has got far more problerms too

Нэр: http://www.beast.ipt.pw/News/cbd-gummies-for-pain/ Огноо: 20 March 2020

The info mentioned in the report are several of the best obtainable

Нэр: CBD Огноо: 21 March 2020

Here are several of the web pages we recommend for our visitors

Нэр: CBD Огноо: 21 March 2020

usually posts some really interesting stuff like this. If you

Нэр: CBD Огноо: 21 March 2020

Here are a few of the web-sites we recommend for our visitors

Нэр: CBD Огноо: 21 March 2020

Wonderful story, reckoned we could combine a number of unrelated data, nevertheless actually worth taking a appear, whoa did one particular study about Mid East has got more problerms also

Нэр: CBD Огноо: 21 March 2020

one of our guests not too long ago encouraged the following website

Нэр: CBD Огноо: 21 March 2020

please visit the web sites we comply with, which includes this 1, as it represents our picks in the web

Нэр: CBD Огноо: 21 March 2020

check beneath, are some totally unrelated websites to ours, even so, they are most trustworthy sources that we use

Нэр: CBD Огноо: 21 March 2020

below you will obtain the link to some web pages that we consider it is best to visit

Нэр: CBD Огноо: 22 March 2020

Here are a few of the websites we suggest for our visitors

Нэр: CBD Огноо: 22 March 2020

Every when in a although we select blogs that we study. Listed below are the most current websites that we pick out

Нэр: CBD Огноо: 22 March 2020

Here are several of the websites we recommend for our visitors

Нэр: best CBD oil Огноо: 23 March 2020

although internet websites we backlink to below are considerably not associated to ours, we really feel they’re actually really worth a go as a result of, so possess a look

Нэр: buy CBD oil Огноо: 23 March 2020

Here are a few of the web-sites we recommend for our visitors

Нэр: CBD for sale Огноо: 24 March 2020

please pay a visit to the internet sites we comply with, like this one, as it represents our picks in the web

Нэр: CBD oil for sale Огноо: 24 March 2020

we came across a cool web page that you could possibly appreciate. Take a appear if you want

Нэр: CBD oil for sale Огноо: 24 March 2020

always a major fan of linking to bloggers that I love but do not get a whole lot of link really like from

Нэр: buy cbd Огноо: 25 March 2020

we came across a cool website that you just might get pleasure from. Take a search for those who want

Нэр: royalcbd Огноо: 25 March 2020

The information talked about within the write-up are a number of the most effective available

Нэр: best cbd products Огноо: 25 March 2020

below you

Нэр: best cbd products Огноо: 25 March 2020

we came across a cool site that you simply may possibly love. Take a appear for those who want

Нэр: Exotic carts Огноо: 26 March 2020

Sites of interest we’ve a link to

Нэр: https://freereviewnow.com/ Огноо: 26 March 2020

always a significant fan of linking to bloggers that I adore but really don’t get a lot of link really like from

Нэр: juul pods mint Огноо: 26 March 2020

very couple of internet sites that occur to become detailed beneath, from our point of view are undoubtedly nicely worth checking out

Нэр: CBD gummies Огноо: 26 March 2020

here are some links to web pages that we link to simply because we feel they may be really worth visiting

Нэр: app for pc download Огноо: 27 March 2020

below you

Нэр: free download for windows 10 Огноо: 27 March 2020

just beneath, are quite a few completely not connected web pages to ours, even so, they may be surely worth going over

Нэр: app for laptop Огноо: 27 March 2020

Sites of interest we’ve a link to

Нэр: app for laptop Огноо: 27 March 2020

The details mentioned inside the write-up are some of the best accessible

Нэр: free windows app download Огноо: 27 March 2020

here are some hyperlinks to websites that we link to mainly because we consider they may be really worth visiting

Нэр: free games download for pc Огноо: 27 March 2020

just beneath, are many entirely not associated web sites to ours, even so, they are surely really worth going over

Нэр: free games for laptop Огноо: 28 March 2020

please pay a visit to the websites we adhere to, including this one particular, because it represents our picks from the web

Нэр: free pc games download Огноо: 28 March 2020

usually posts some extremely exciting stuff like this. If you are new to this site

Нэр: nodejs development companies Огноо: 28 March 2020

The info talked about within the post are a number of the ideal out there

Нэр: nill Огноо: 28 March 2020

here are some links to web pages that we link to since we believe they may be worth visiting

Нэр: blowjob techniques Огноо: 28 March 2020

just beneath, are various entirely not related sites to ours, however, they’re certainly really worth going over

Нэр: stroker toy Огноо: 28 March 2020

The details talked about in the write-up are several of the best obtainable

Нэр: Speelgoed Prijs Огноо: 30 March 2020

The info talked about inside the write-up are a few of the most effective out there

Нэр: Vape Stores Near Me Огноо: 30 March 2020

always a significant fan of linking to bloggers that I appreciate but don

Нэр: buy CBD oil Огноо: 30 March 2020

Wonderful story, reckoned we could combine a handful of unrelated data, nevertheless actually really worth taking a look, whoa did 1 master about Mid East has got more problerms as well

Нэр: CBD for sale Огноо: 31 March 2020

Here is a good Weblog You might Uncover Intriguing that we Encourage You

Нэр: suction cup sex toy Огноо: 31 March 2020

check below, are some entirely unrelated internet websites to ours, even so, they are most trustworthy sources that we use

Нэр: CBD oils Огноо: 1 April 2020

we like to honor quite a few other world-wide-web web sites on the web, even if they aren

Нэр: Bank Recon of Business Огноо: 1 April 2020

always a huge fan of linking to bloggers that I love but really don’t get a good deal of link really like from

Нэр: hairdressing scissors Огноо: 2 April 2020

we prefer to honor many other web web pages around the internet, even when they aren

Нэр: Buy Marijuana Online Огноо: 2 April 2020

please pay a visit to the web sites we follow, including this a single, because it represents our picks through the web

Нэр: Glock 17 Огноо: 2 April 2020

please go to the web sites we comply with, such as this one, as it represents our picks in the web

Нэр: left handed scissors Огноо: 3 April 2020

the time to read or stop by the material or web-sites we have linked to beneath the

Нэр: cbd oil near me Огноо: 3 April 2020

Ahaa, its good conversation regarding this article here at this website, I have read all that, so now me also commenting here.|

https://www.birminghammail.co.uk/special-features/cbd-oil-uk-buy-online-17313842

Нэр: hairdressing scissors Огноо: 4 April 2020

Here are a number of the web pages we advocate for our visitors

Нэр: cbd oil Australia Огноо: 4 April 2020

the time to study or stop by the subject material or web sites we have linked to below the

Нэр: DANK VAPES CARTRIDGES ONLINE Огноо: 4 April 2020

The information mentioned in the post are some of the ideal obtainable

Нэр: https://youtu.be/PMS3fI3po7I Огноо: 4 April 2020

here are some hyperlinks to websites that we link to simply because we consider they are really worth visiting

Нэр: adam and eve g gasm Огноо: 4 April 2020

that may be the finish of this report. Here you

Нэр: best rabbit vibe Огноо: 6 April 2020

below you will discover the link to some websites that we assume you must visit

Нэр: free download for windows 8 Огноо: 6 April 2020

just beneath, are quite a few completely not related websites to ours, nevertheless, they may be certainly worth going over

Нэр: free pc games download Огноо: 6 April 2020

the time to read or pay a visit to the subject material or sites we’ve linked to beneath the

Нэр: app download for windows Огноо: 6 April 2020

that could be the end of this article. Right here you will discover some web-sites that we feel you will appreciate, just click the hyperlinks over

Нэр: apk download for windows 7 Огноо: 6 April 2020

we came across a cool site that you might delight in. Take a search in the event you want

Нэр: app free download for windows 8 Огноо: 6 April 2020

we came across a cool web site that you just could possibly get pleasure from. Take a search should you want

Нэр: free pc games download Огноо: 6 April 2020

below you will obtain the link to some web pages that we believe you need to visit

Нэр: moonrocks Огноо: 7 April 2020

the time to read or stop by the material or websites we have linked to below the

Нэр: virtual card with cryptocurrency Огноо: 7 April 2020

although web sites we backlink to beneath are considerably not connected to ours, we feel they may be basically really worth a go by way of, so have a look

Нэр: mbbs in ukraine Огноо: 7 April 2020

The info mentioned within the report are a number of the most effective obtainable

Нэр: hairdressing scissors matsui Огноо: 8 April 2020

just beneath, are a lot of completely not associated web-sites to ours, nonetheless, they are surely worth going over

Нэр: 15% minoxidil Огноо: 9 April 2020

usually posts some very fascinating stuff like this. If you

Нэр: CBD gummies for depression Огноо: 11 April 2020

the time to study or pay a visit to the content material or sites we’ve linked to beneath the

Нэр: CBD gummies Огноо: 11 April 2020

please take a look at the websites we adhere to, such as this 1, because it represents our picks through the web

Нэр: buy CBD Огноо: 11 April 2020

just beneath, are quite a few completely not associated web-sites to ours, nonetheless, they’re surely really worth going over

Нэр: James may net worth Огноо: 12 April 2020

check below, are some absolutely unrelated web sites to ours, nevertheless, they’re most trustworthy sources that we use

Нэр: app apk for pc download Огноо: 12 April 2020

Sites of interest we have a link to

Нэр: best cbd oil Огноо: 12 April 2020

I have read so many posts regarding the blogger lovers however this post is in fact a nice piece of writing, keep it up.|

https://www.laweekly.com/5-best-cbd-oil-companies-to-buy-from-in-2019/

Нэр: cannabidiol oil Огноо: 12 April 2020
Нэр: finger sleeve sex Огноо: 13 April 2020

Every when inside a even though we choose blogs that we read. Listed beneath would be the most up-to-date web sites that we select

Нэр: waterproof vibrator Огноо: 13 April 2020

one of our guests just lately proposed the following website

Нэр: pocket masturbator Огноо: 14 April 2020

the time to study or take a look at the material or internet sites we have linked to beneath the

Нэр: CBD capsules Огноо: 14 April 2020

we came across a cool internet site that you simply may possibly love. Take a appear in case you want

Нэр: how to use cbd oil Огноо: 14 April 2020

Greetings! I know this is kinda off topic but I was wondering which blog platform are you using for this site? I’m getting tired of WordPress because I’ve had problems with hackers and I’m looking at alternatives for another platform. I would be great if you could point me in the direction of a good platform.|

https://www.manchestereveningnews.co.uk/special-features/best-cbd-oil-uk-reviews-17319113

Нэр: Royal CBD Огноо: 14 April 2020

although internet sites we backlink to beneath are considerably not related to ours, we really feel they’re essentially really worth a go as a result of, so have a look

Нэр: CBD gummies Огноо: 15 April 2020

Here is a superb Weblog You might Locate Intriguing that we Encourage You

Нэр: CBD capsules Огноо: 15 April 2020

we prefer to honor lots of other internet web-sites around the web, even when they aren

Нэр: purchase Super Lemon Haze Online Огноо: 15 April 2020

below you

Нэр: CBD store Огноо: 15 April 2020

that will be the finish of this post. Here you will obtain some sites that we feel you

Нэр: Royal CBD Огноо: 16 April 2020

Sites of interest we’ve a link to

Нэр: CBD cream Огноо: 16 April 2020

here are some links to web-sites that we link to simply because we feel they may be really worth visiting

Нэр: cannibis oil Огноо: 16 April 2020
Нэр: penis extender review Огноо: 16 April 2020

although websites we backlink to below are considerably not connected to ours, we feel they’re in fact worth a go by way of, so possess a look

Нэр: penis enlargement Огноо: 16 April 2020

very handful of internet websites that happen to be comprehensive below, from our point of view are undoubtedly properly worth checking out

Нэр: Buy Apvp Online Огноо: 18 April 2020

that may be the end of this write-up. Here you will obtain some web sites that we feel you will value, just click the links over

Нэр: Bonus Judi Bola Огноо: 18 April 2020

niche to read

judibolaonline.pixnet.net/blog/post/6759128-bonus-judi-bola

Нэр: Situs Judi Terpercaya Огноо: 19 April 2020

Thank you very much

agensbo.coolpage.biz/Situs-Judi-Terpercaya

Нэр: situs game slot terpercaya Огноо: 19 April 2020
Нэр: dispensary near me Огноо: 20 April 2020
Нэр: best cbd lube Огноо: 25 April 2020
Нэр: Google Огноо: 10 May 2020

Google

The details talked about within the post are a few of the best readily available.

Нэр: vape shop near me Огноо: 17 May 2020

vape shop near me

[...]please stop by the internet sites we adhere to, such as this one, because it represents our picks from the web[...]

Нэр: win at online roulette Огноо: 17 May 2020

win at online roulette

[...]usually posts some very intriguing stuff like this. If you are new to this site[...]

Нэр: knight rider Огноо: 17 May 2020

knight rider

[...]Sites of interest we have a link to[...]

Нэр: how to win at casino Огноо: 18 May 2020

how to win at casino

[...]just beneath, are quite a few absolutely not associated web sites to ours, even so, they’re surely worth going over[...]

Нэр: best roulette software Огноо: 18 May 2020

best roulette software

[...]The information talked about within the report are several of the ideal out there [...]

Нэр: link building Огноо: 21 May 2020

link building

[...]usually posts some quite fascinating stuff like this. If you’re new to this site[...]

Нэр: kratom near me Огноо: 23 May 2020

kratom near me

[...]Here are a number of the web-sites we suggest for our visitors[...]

Нэр: Blessed CBD Огноо: 23 May 2020

Blessed CBD

[...]Here are a number of the web pages we advise for our visitors[...]

Нэр: bàn học thông minh tphcm Огноо: 24 May 2020

bàn học thông minh tphcm

[...]please check out the web sites we adhere to, such as this one, because it represents our picks from the web[...]

Нэр: buy CBD oils Огноо: 24 May 2020

buy CBD oils

[...]Sites of interest we have a link to[...]

Нэр: CBD oil for arthritis Огноо: 25 May 2020

CBD oil for arthritis

[...]very handful of web sites that happen to become comprehensive beneath, from our point of view are undoubtedly nicely really worth checking out[...]

Нэр: File share Огноо: 6 June 2020

File share

[...]please pay a visit to the web sites we stick to, like this a single, as it represents our picks from the web[...]

Нэр: Black Shepherd puppies for sale Огноо: 7 June 2020

Black Shepherd puppies for sale

[...]Here are a number of the sites we advise for our visitors[...]

Нэр: free download for windows 7 Огноо: 17 June 2020

free download for windows 7

[...]Here is a great Weblog You may Uncover Exciting that we Encourage You[...]

Нэр: pc games for windows 7 Огноо: 17 June 2020

pc games for windows 7

[...]please take a look at the web-sites we stick to, including this one, as it represents our picks through the web[...]

Нэр: kratom online Огноо: 18 June 2020

kratom online

[...]we like to honor quite a few other online web-sites around the web, even if they aren’t linked to us, by linking to them. Beneath are some webpages really worth checking out[...]

Нэр: Jed Fernandez Огноо: 26 June 2020

Jed Fernandez

[...]check beneath, are some entirely unrelated web sites to ours, having said that, they are most trustworthy sources that we use[...]

Нэр: fake money for sale Огноо: 2 July 2020

fake money for sale

[...]Every when inside a when we choose blogs that we study. Listed beneath would be the latest web sites that we select [...]

Нэр: fake money for sale  Огноо: 2 July 2020

fake money for sale 

[...]one of our visitors lately recommended the following website[...]

Нэр: Sonia Randhawa Огноо: 3 July 2020

Sonia Randhawa

[...]we came across a cool site that you might take pleasure in. Take a search for those who want[...]

Нэр: Escorts Огноо: 5 July 2020

Escorts

[...]Wonderful story, reckoned we could combine a handful of unrelated data, nevertheless truly really worth taking a look, whoa did 1 learn about Mid East has got a lot more problerms also [...]

Нэр: Sonia Randhawa Огноо: 6 July 2020

Sonia Randhawa

[...]the time to read or go to the subject material or web sites we’ve linked to beneath the[...]

Нэр: 5euros Огноо: 7 July 2020

5euros

[...]Here are some of the web pages we advocate for our visitors[...]

Нэр: Search Engine Optimisation Огноо: 13 July 2020

Search Engine Optimisation

[...]Wonderful story, reckoned we could combine several unrelated data, nevertheless definitely really worth taking a look, whoa did 1 understand about Mid East has got additional problerms also [...]

Нэр: Tailored Training Огноо: 17 July 2020

Tailored Training

[...]The data mentioned inside the write-up are some of the most effective offered [...]

گاییدن دختر خوش هیکل ‌ایرانی رو تخت

[...]very couple of web sites that take place to be comprehensive beneath, from our point of view are undoubtedly nicely really worth checking out[...]

Нэр: Handlateknik Огноо: 5 August 2020

Handlateknik

[...]we came across a cool website that you just could take pleasure in. Take a look for those who want[...]

Нэр: terpenes Огноо: 9 August 2020

terpenes

[...]although web-sites we backlink to beneath are considerably not associated to ours, we really feel they may be really really worth a go via, so have a look[...]

Нэр: https://royalcbd.com/how-to-take-cbd-oil/ Огноо: 10 August 2020

https://royalcbd.com/how-to-take-cbd-oil/

[...]we like to honor a lot of other internet web-sites on the net, even though they aren’t linked to us, by linking to them. Under are some webpages really worth checking out[...]

Нэр: https://royalcbd.com/montana/ Огноо: 12 August 2020

https://royalcbd.com/montana/

[...]usually posts some really interesting stuff like this. If you’re new to this site[...]

Нэр: RoyalCBD Огноо: 13 August 2020

RoyalCBD

[...]please stop by the web-sites we stick to, such as this 1, as it represents our picks through the web[...]

Нэр: cbd colorado Огноо: 13 August 2020

cbd colorado

[...]very couple of web-sites that happen to become detailed beneath, from our point of view are undoubtedly nicely really worth checking out[...]

Нэр: alabama Огноо: 13 August 2020

alabama

[...]just beneath, are numerous totally not related web-sites to ours, on the other hand, they may be surely worth going over[...]

Нэр: Royal CBD Огноо: 13 August 2020

Royal CBD

[...]that may be the end of this write-up. Here you will discover some web-sites that we consider you’ll appreciate, just click the links over[...]

Нэр: cbd oil timeline Огноо: 13 August 2020

cbd oil timeline

[...]here are some hyperlinks to web-sites that we link to mainly because we think they’re worth visiting[...]

Нэр: RoyalCBD Огноо: 14 August 2020

RoyalCBD

[...]that would be the end of this write-up. Here you’ll come across some web-sites that we assume you will appreciate, just click the links over[...]

Нэр: xw3cr4342w3er4w234 Огноо: 21 August 2020

Title

[...]The facts talked about in the article are several of the best obtainable [...]

Нэр: jkhkhjkmiuhu Огноо: 24 August 2020

Title

[...]just beneath, are many entirely not connected web pages to ours, nonetheless, they are surely really worth going over[...]

Нэр: Electrician SEO Огноо: 25 August 2020

Electrician SEO

[...]we came across a cool web site which you could appreciate. Take a look for those who want[...]

Нэр: pc games for windows 10 Огноо: 26 August 2020

pc games for windows 10

[...]Wonderful story, reckoned we could combine a couple of unrelated data, nonetheless seriously worth taking a appear, whoa did 1 study about Mid East has got far more problerms as well [...]

Нэр: hklhhdfincvinis Огноо: 27 August 2020

Title

[...]Sites of interest we’ve a link to[...]

Нэр: cxqw234xracrwcr4 Огноо: 1 September 2020

Title

[...]one of our guests recently recommended the following website[...]

Нэр: oyo rooms promo Огноо: 2 September 2020

oyo rooms promo

[...]always a major fan of linking to bloggers that I really like but do not get a great deal of link adore from[...]

Нэр: xdsffx4crta4rtxa34w Огноо: 2 September 2020

Title

[...]one of our visitors recently advised the following website[...]

Нэр: EXOTIC CARTS Огноо: 2 September 2020

EXOTIC CARTS

[...]below you will find the link to some internet sites that we think you ought to visit[...]

Нэр: Escort amsterdam Огноо: 2 September 2020

Escort amsterdam

[...]one of our visitors a short while ago proposed the following website[...]

Нэр: gaming Огноо: 3 September 2020

gaming

[...]although web sites we backlink to below are considerably not related to ours, we really feel they may be truly really worth a go via, so possess a look[...]

Нэр: CAR Огноо: 8 September 2020

CAR

[...]we like to honor several other world wide web websites on the net, even when they aren’t linked to us, by linking to them. Below are some webpages worth checking out[...]

Нэр: adam and eve adult store Огноо: 16 September 2020

adam and eve adult store

[...]Here is a great Blog You might Find Fascinating that we Encourage You[...]

Сэтгэгдэл бичих