Fondi zakhirakhoi khatmy az khisobi ky va baroi chy tashkil karda meshavad?

Ii zakhira az khisobi vositakhoi pulii subektkhoi khojagidori va akholy, ki bonkkho chun zakhirakhoi qarz chalb menamoyand, tashkil karda meshavad. Fondy zakhirakhoi khatmy baroi on tashkil karda meshavad, ki bonkkhoi tichoraty dar mavridi zarury az khisobi in zakhira talaboti mushtariyonro chikhati giriftani amonatu pasandozkho tamin namoyand.