– qarz shartnomasi bo‘yicha bir taraf (qarz beruvchi) ikkinchi tarafga (qarz oluvchiga) pul yoki turga xos alomatlari bilan belgilangan boshqa ashyolarni mulk qilib beradi, qarz oluvchi esa qarz beruvchiga bir yo‘la yoki bo‘lib-bo‘lib, o‘shancha summadagi pulni yoki qarzga olingan ashyolarning xili, sifati va miqdoriga baravar ashyolarni (qarz summasini) qaytarib berish majburiyatini oladi. Qarz shartnomasi pul yoki ashyolar topshirilgan paytdan boshlab tuzilgan hisoblanadi
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