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Banklar 'Оbod turmush yili' dasturida faol ishtirok etmoqda

01.04.2013 2864

   Milliy matbuot markazida O'zbekiston Respublikasi Markaziy banki tomonidan "Obod turmush yili” Davlat dasturi ijrosini ta'minlashda bank tizimining o'rni” mavzuida matbuot anjumani o'tkazildi.
  Prezident Islom Karimov tashabbusi bilan mamlakatimizda 2013 yil – “Obod turmush yili”, deb e'lon etilishi munosabati bilan qabul qilingan umumdavlat dasturida belgilangan vazifalar - kichik biznes va xususiy tadbirkorlikni, fermerlikni yanada rivojlantirish, ish bilan bandlikni, aholi farovonligi va real daromadlarining izchil o'sishini ta'minlash, xalq turmush darajasi va sifatini oshirish, munosib uy-joylar va ijtimoiy-maishiy sharoitlar yaratish tijorat banklari zimmasiga ulkan mas'uliyat yuklamoqda.
  Ma'lumki, kichik biznes va xususiy tadbirkorlik mamlakatimiz taraqqiyotida, avvalambor, xalqimiz uchun munosib hayot barpo etish, murakkab va mas'uliyatli vazifalarni amalga oshirishda hal qiluvchi o'rin va ta'sirga ega bo'lib bormoqda. Ishbilarmonlar o'z mehnati ortidan munosib turmush sharoitini yaratib, jamiyat farovonligini ta'minlashda munosib ulush qo'shmoqda.
  Kichik biznes va xususiy tadbirkorlik iqtisodiyotning tez o'zgaruvchan bozor talablariga javob beradigan zamonaviy tuzilmalarini shakllantirishda, yangi ish o'rinlari tashkil qilish va aholi daromadlarini oshirishda muhim ahamiyatga ega va bunga bugungi kunda hech kim shubha qilmaydi.
  Qayd etildiki, tijorat banklari doimiy ravishda kichik biznes sub'ektlarini, ayniqsa, oilaviy tadbirkorlikni moliyaviy qo'llab-quvvatlash, ta'lim muassasalarini bitiruvchi yoshlarning biznes rejalarini moliyalashtirish masalalariga katta e'tibor qaratib kelmoqda.
  Ushbu tendensiya joriy yilda ham davom ettirilmoqda. Kichik biznes sub'ektlarini moliyaviy qo'llab-quvvatlashga, avvalambor, ularning biznes loyihalarini imtiyozli shartlar asosida kreditlashga yetarlicha ahamiyat berilyapti. Soha sub'ektlariga barcha moliyalashtirish manbalari hisobidan 6 trln. so'mdan oshiqroq miqdorda mablag'lar yo'naltirish yuzasidan zarur choralar ko'rilmoqda.
  Mazkur resurslarning 1,2 trln. so'mini mikrokreditlar tashkil etib, bunda kasb-hunar kollejlari bitiruvchilarining biznes rejalarini imtiyozli shartlar asosida moliyalashtirishga 53,5 mlrd. so'mdan ortiq mablag'lar yo'naltiriladi. Oilaviy biznes, xususiy tadbirkorlik va hunarmandchilikni rivojlantirishga yo'naltiriladigan mikromoliyaviy xizmatlar miqdori 110,1 mlrd so'mni tashkil etadi. Qishloq xo'jaligi mahsulotlari yetishtirish va qoramol sotib olish uchun shaxsiy yordamchi va dehqon xo'jaliklariga 106 mlrd. so'm, ayollar tadbirkorligini har tomonlama rivojlantirish va moliyaviy qo'llab-quvvatlash uchun 540 mlrd. so'm miqdorida kredit mablag'lari ajratish rejalashtirilmoqda.
  Ta'kidlandiki, bu mablag'lar bilan ustivor ravishda ayollar rahbarlik qilayotgan, ayollar mehnatidan foydalanuvchi kichik korxonalarga, chorva mollari va parrandalar, sut mahsulotlarini qayta ishlovchi uskunalar sotib olish, boshlang'ich kapitalni to'ldirish, aholini, shu jumladan ayollar va yoshlarni kundalik sport-sog'lomlashtirish mashg'ulotlariga jalb etish uchun mahallalarda sport zallari tashkil etish, fermer ayollar, ayniqsa ta'lim muasassalarini bitirgan qishloq qizlarining tadbirkorlik faoliyatini yo'lga qo'yish ko'zda tutilgan loyihalar moliyalashtiriladi.
  Joriy yilda tijorat banklarining 155,3 mlrd so'mlik kredit mablag'lari evaziga respublikamizning ishchi kuchi ko'p bo'lgan 8 ta tumanida xomashyoni chuqur qayta ishlagan holda va to'liq ishlab chiqarish sikli bilan to'qimachilik komplekslari barpo etiladi, 45 ta tumanida esa tikuvchilik-trikotaj mahsulotlari tayyorlaydigan ixcham zamonaviy ishlab chiqarishlar tashkil qilinadi.
  Tijorat banklarining investitsiyalari mintaqa korxonalari o'rtasida sanoat kooperatsiyasini mutahkamlash, xomashyo, materiallar va butlovchi buyumlar ishlab chiqarishni mahalliylashtirish ko'zda tutilgan loyihalarni moliyalashtirishga ham yo'naltiriladi. Bu yil respublikamiz bo'yicha qishloq xo'jalik mahsulotlarini qayta ishlovchi va iste'mol oziq-ovqat tovarlari ishlab chiqarishni ko'paytiruvchi yangi korxonalar barpo etish, mavjudlarini rekonstruksiya va modernizatsiya qilish bo'yicha 288 loyiha amalga oshiriladi. Ushbu maqsadlarga tijorat banklari 47 mlrd so'm ajratmoqda.
  Ma'lumki, mamlakatimizda agrar soha salohiyatini oshirish borasida ham izchil choralar ko'rib borilmoqda. Tijorat banklarining kredit siyosatida ham bu soha alohida e'tiborga olingan. Binobarin,  banklarning 47,6 mlrd so'mga teng kreditlari hisobiga minglab gektar maydonlardagi bog' va tokzorlar qayta tiklanadi, yangilari barpo etiladi.
Bundan tashqari, tijorat banklarining 145,9 mlrd so'm kreditlari hisobiga respublikaning har bir qishloq tumanida kamida 10 ta parrandachilik xo'jaligi, 500 asalari oilasi, har bir mintaqada kamida 30-40 ta baliqchilik xo'jaligi tashkil etiladi. Natijada o'n minglab qishloq aholisi doimiy ish bilan ta'minlanadi.
  O'tgan yili boshlangan “Yosh oilalarga – uy-joylar” dasturi bu yil ham davom ettiriladi. Xususan, shu yil oxirigacha respublika mintaqalarida 105 ta ko'p kvartirali uy-joy quriladi va buning uchun tijorat banklarining 262,3 mlrd. so'mdan oshiq mablag'lari yo'naltiriladi. Shuningdek, “Qishloq qurilish bank” kredit resurslarining asosiy qismi qishloq tumanlarida namunaviy loyihalar asosida 10 mingta yakka tartibdagi uy-joy qurilishiga sarflanadi.
  Banklar so'nggi paytda qishloq infrastrukturasini o'zgartirish jarayonlarida ham faol ishtirok etmoqda. Bu yil qishloq mavzelarida zamonaviy savdo-maishiy va boshqa turdagi xizmat ko'rsatish ob'ektlarini yaratish uchun 16 mlrd so'm atrofida kredit ajratish mo'ljallanmoqda. Shu bilan birga qishloqlarda yashovchi aholining uzoq muddat foydalaniladigan mahalliy uy-ro'zg'or buyumlarini sotib olishi uchun ajratiladigan iste'mol kreditlari miqdorini 1,3 barobar oshirishni rejalashtirmoqda.     
  Banklar istiqboli jamiyat farovonligi bilan chambarchas bog'liqdir. Shu bois ular muntazam ravishda ijtimoiy yo'naltirilgan dasturlarini kengaytirib bormoqda. Banklar kelgusida jamiyat va tadbirkorlik rivojiga ijobiy ta'sir ko'rsatadigan, katta ahamiyatga ega bo'lgan ijtimoiy loyihalarni qo'llab-quvvatlab bormoqda.
  “Obod turmush yili” Davlat dasturi va kichik biznes tuzilmalarini qo'llab-quvvatlash bo'yicha amaldagi boshqa bir qator qonun hujjatlari mazmun-mohiyati, yaratilgan imtiyozlar, soha sub'ektlari uchun kreditlar ajratish shart-sharoitlarini targ'ib qilish, aholini tadbirkorlik bilan faol shug'ullanishga jalb qilish uchun joylarda jamoat tashkilotlari bilan hamkorlikda amaliy uchrashuv va seminarlar, biznes-forumlar o'tkazib borilmoqda. Oilaviy byudjetni shakllantirish, tadbirkorlik ko'nikmalarini hosil qilish, yosh oilalarning moliyaviy savodxonligini oshirish, oilaviy biznesni yo'lga qo'yish bo'yicha treninglar tashkil etilmoqda, iqtidorli va faol xotin-qizlarni rag'batlantirish choralari ko'rib borilmoqda. Ta'kidlash o'rinliki, aholining, ayniqsa, kasb-hunar kollejlari bitiruvchilarining tadbirkorlik faoliyatini rag'batlantirish va aholi bandligini oshirish omili bo'layotgan bunday tadbirlarni yil davomida o'tkazib borish belgilangan.
  Shuningdek, aholini tadbirkorlikka jalb etish maqsadida tijorat banklari filiallari vakillari respublikaning har bir qishloq (mahalla) fuqarolar yig'inlariga biriktirib qo'yilgan. Ular ham tegishli hududlarda muntazam ravishda amaliy uchrashuvlar o'tkazib bormoqda.
  Shuni ishonch bilan aytish mumkinki, tijorat banklari kichik biznes va xususiy tadbirkorlik sub'ektlarining biznes rejalarini faol moliyalashtirish bilan mamlakatimizda aholi turmush farovonligini oshirishga qaratilgan ustuvor vazifalar ijrosiga, aholi bandligini ta'minlash va yangi ish o'rinlari tashkil qilishga munosib hissa qo'shadi.
 

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License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
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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 at the time of filing the application must be more than 6 months.
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.
- Constituent documents of the company (charter, registration certificate).
- Documents confirming the authority of the company's representatives.
- Vehicle Purchase Agreement.
- Documents confirming ownership of the collateral property (if a collateral is required).
- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet
The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days.
The collateral can be the new car being purchased.
The option to purchase new vehicles from official dealers.
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
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.
The period of registration of the company must exceed 1 year
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.

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