– Қонун ҳужжатларида назарда тутилган ҳолларда қарз шартномаси облигациялар чиқариш ва сотиш йўли билан тузилиши мумкин. Облигация қимматли қоғоз бўлиб, уни сақловчининг облигацияни чиқарган шахсдан облигацияда назарда тутилган муддатда облигациянинг номинал қийматини ёки бошқа мулкий эквивалентини олиш ҳуқуқини тасдиқлайди. Облигация уни сақловчига облигациянинг номинал қийматидан облигацияда қайд этилган миқдорда фоизлар олиш ҳуқуқини ёки бошқа мулкий ҳуқуқларни ҳам беради.
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