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2015 yilda Milliy bank tomonidan 46 ta massivda namunaviy uy-joylarni qurilish-montaj ishlari uchun jami 489 mlrd. so'm ajratildi

03.03.2015 2693

Yurtboshimizning 2010 yil 17 iyundagi “Qishloq joylarida namunaviy loyihalar asosida xususiy uy-joy qurilishini kengaytirishga oid qo'shimcha chora-tadbirlar to'g'risida”gi Qarori asosida mamlakatimizning barcha hududlarida namunaviy loyihalar asosida 3, 4 va 5 xonali uylar qurilib, foydalanishga topshirilmoqda.Bu borada O'zbekiston Respublikasi Tashqi iqtisodiy faoliyat milliy banki xam o'zining munosib salmoqli hissasini qo'shib kelmoqda.  

Qishloq aholi punktlarining arxitektura-rejalashtirish qiyofasini yanada yaxshilash, namunaviy loyihalar bo'yicha yakka tartibdagi uy-joy qurilishi ko'lamini kengaytirish, qishloqda transport va muhandislik kommunikatsiyalarini jadal rivojlantirish hisobiga qishloq aholisining turmush darajasi va sifatini oshirish davlatimizning yanada gullab yashnashida muhim ahamiyat kasb etmoqda. Bu borada yurtimizda bir necha yillardan buyon keng ko'lamli ishlar amalga oshirilib kelinmoqda.

O'zbekiston Respublikasi Tashqi iqtisodiy faoliyat milliy banki qishloq qurilishini kreditlash boshqarmasi bosh mutaxassisi Xusan Shukurov “UzReport” AA muxbiriga bergan intervyusida: ”Prezidentimizning 2013 yil 4 yanvaridagi “2013 yilda qishloq joylarida namunaviy loyihalar bo'yicha yakka tartibdagi uy-joylarni qurish dasturi to'g'risida”gi Qarorga muvofiq qishloq joylarida namunaviy loyihalar bo'yicha yakka tartibdagi uy-joylarni  “kaliti bilan topshirish” sharti asosida qurilishni moliyalashtirishga 2013 yildan boshlab O'zbekiston Respublikasi Tashqi iqtisodiy faoliyat milliy banki ham jalb etildi. Bugunga kelib Milliy bank tomonidan shu o'tgan vaqt davomida Osiyo Taraqqiyot Banki ishtirokida 2013 va 2014 yil dasturlari  bo'yicha namunaviy uy-joylarni qurilish -montaj ishlari uchun jami 486 mlrd. so'm ajratilgan. Shuningdek, fuqarolarni badal mablag'lari hisobidan 197 mlrd. so'm moliyalashtirish ishlari amalga oshirildi”, - deb ta’kidladi.

Shu o'rinda qayd etish joizki, bugungi kunda Milliy bank aholiga keng qulayliklar yaratish maqsadida namunaviy uy-joylarning kredit foizlarni to'lash uchun qo'shimcha tarzda “Hisobli” omonatini taklif etmoqda. Kuni kecha yangi joriy qilingan, ushbu omonat turida hisoblangan foizlar har oyda jismoniy shaxsni qishloq joylarida uy-joy qurilishi uchun olgan kreditining foizini qoplashga yo'naltiriladi.

Shuningdek, 2014 yil dasturi buyicha Respublikamizning 25 ta tuman va 41 ta massivlarida 2019 ta namunaviy uy-joylarni qurilish -montaj ishlari uchun jami 321 mlrd .so'm ajratilgan bo'lib, fuqarolarga ajratilgan  uzoq muddatli imtiyozli ipoteka kreditlari hisobidan 194 mlrd. so'mni tashkil qiladi. Fuqarolarni badal mablag'lari hisobidan 127 mlrd. so'm moliyalashtirish ishlari amalga oshirildi

Takidlash lozim, 2015 yilda ham Milliy bank tomonidan 46 ta massivda namunaviy uy-joylarni qurilish-montaj ishlari uchun jami 489 mlrd. so'm ajratildi. Shu bilan bir qatorda, fuqarolarni badal mablag'lari hisobidan 167 mlrd. so'm moliyalashtirish ishlarini amalga oshirish ko'zda tutilgan.Shuni alohida qayd etish joizki, O'zbekiston Respublikasi Tashqi iqtisodiy faoliyat milliy banki tomonidan foydalanishga topshirilayotgan yangi uylar xalqimizning hayot tarzi, mahalliy iqlim sharoiti, shu bilan birga, zamonaviy muhandislik-kommunikatsiya tizimlari bilan uyg'un, bahavo, yorug', keng va qulay holda barpo etilayotgani yurtdoshlarimizga ma'qul kelmoqda.х выставки коммерческие банки вручат сертификаты на право получения льготного кредита субъектам малого бизнеса и частного предпринимательства, производственным микрофирмам, дехканским и фермерским хозяйствам, а также начинающим предпринимателям в отдаленных и густонаселенных регионах, которые победили в конкурсе проектов по обеспечению занятости населения.

 

Вместе с тем, на выставке будет присутствовать и  ряд других организаций, которые активно сотрудничают с банковской системой по вопросам поддержки малого бизнеса, особенно начинающих предпринимателей и выпускников профессиональных колледжей.

Таким образом, для участников и гостей «BankExpo-2015» предоставит возможность для обмена информацией и опытом, подробного ознакомления с достижениями и перспективами развития банковского сектора, а также расширения взаимовыгодного партнерства между представителями банков и бизнеса.

 

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License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
© 2024 NBU. All rights reserved. If you find an error in the text, highlight the wrong text and press Ctrl + Enter

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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей

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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.
SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.
You can order all cards in national and foreign currency remotely using the Milliy App.
  • If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.
  • If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.
The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the photo_2023-04-28_11-16-22.jpg icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.
  • To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.
  • An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.
  • When you reset your password, you enter the "secret question answer"
Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.
Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.
  • Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.
  • identity document
  • MTCN or the tracking number
  • full name of remitter
  • country of remitter
  • expected amount of money
  • NBFAUZ2X
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
  • If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.
  • No, you don't. The online deposit can be closed through the app.
  • Capitalization is the addition of accrued interest to the principal amount of the deposit.
  • This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
The period of registration of the company must exceed 1 year
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.

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