“Сар бүр төлдөг зээлийн хүүгийн төлбөр дээрээ баримт авч, НӨАТ-ын сугалаанд оролцох боломжтой”

710

Иргэд сар бүр төлдөг лизингийн төлбөрөө хийхдээ ибаримт авч болно гэх мэдээлэл цахим ертөнцөд тархсан. Энэ талаар албаны эх сурвалжаас тодруулахад, “Лизинг нь ялгаатай байгаа. Борлуулагч тал өөрөө банкны оролцоогүйгээр лизинг хэлбэрээр олгосон бараа, ажил үйлчилгээнд компаниуд нь төлбөр хийгдэх тухай бүрд төлбөрийн баримтыг олгоод явдаг.

Банкнаас зээл буюу лизингээр байр орон сууц, автомашин худалдан авна гэдэг маань худалдан авагч нь тодорхой хэмжээний урьдчилгааг төлөөд үлдсэн төлбөрөө банкнаас зээл аван хөрөнгө худалдаж байгаа борлуулагч талд шилжүүлэн үндсэндээ төлбөрийг бүрэн төлж байна гэсэн үг юм. Ийм учраас худалдан борлуулсан хуулийн этгээд зарж борлуулсан бараандаа төлбөрийн баримтыг нийт дүнгээр нь хэрэглэгчид олгох ёстой. Харин иргэний сар бүр төлж буй зээлийн төлбөр хоёр хэсгээс буюу үндсэн төлбөр болон хүүгийн төлбөрөөс бүрддэг. Үндсэн төлбөрт нийт дүнгээр нь борлуулагч хуулийн этгээд төлбөрийн баримт олгосон тул ямар нэгэн баримт олгохгүй. Харин банкнаасаа зээлийн хүүгийн төлбөр дээрээ баримт авах боломжтой.

Банк, санхүүгийн үйлчилгээ НӨАТ-аас чөлөөлөгддөг учраас буцаан олголт бодогдохгүй бөгөөд сугалаанд оролцох эрхтэй төлбөрийн баримтыг авч болно” гэв.

Т.Гэрэл


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