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Investorlarning huquq va majburiyatlari yanada aniqlashtirildi

14.12.2014 7165

Shu yilning 9 dekabr kuni  davlatimiz rahbari tomonidan  “Investitsiya faoliyati to'g'risida”gi yangi tahrirdagi O'zbekiston Respublikasi  Qonuniga imzo chekildi va hujjat  10 dekabr kuni  kuchga kirdi.    Huquqiy hujjatga itnvestitsiyaviy majburiyatlar kabi bir qator   yangi tushunchalar kiritilgan.  Avvalgi eskirib qolgan normalar esa   zamonaviy sarmoyaviy  jarayonlarga moslashtirildi.    

Hujjatda  “investitsiyaviy  loyiha” tushunchasiga aniq  ta'rif berilib, uni amalga oshirish jarayonlari  belgilab berildi.

Qonunga qo'shilgan yangi  normaga muvofiq, sarmoyadorlar  investitsion faoliyatdan olingan  daromadlaridan soliqlar va boshqa majburiy to'lovlarni amalga oshirgandan so'ng,  mustaqil va erkin foydalanish huquqiga ega.  Shuningdek,  uning  investitsiyasi yoki boshqa aktivlari  noqonuniy harakatlar asosida    yoki   davlat va mahalliy  boshqaruv  organlar, mansabdor shaxslar qaror bilan  rekvizitsiya   qilinsa, ya'ni  mol-mulk  qiymatini to'lash sharti bilan, majburiy ravishda davlat ixtiyoriga olinsa,  u holda investor  ko'rgan zarar o'rni  qoplanishi nazarda tutilgan.

Investitsion faoliyat ishtirokchilarining majburiyatlari qatoriga  mablag'lardan  maqsadli foydalanish  majburiyati kiritildi.

Qonunda shuningdek,  investitsion faoliyatni rag'batlantirishning  huquqiy asoslari ham o'z aksini topdi.  Unga ko'ra,  davlat  ushbu faoliyat uchun qulay sarmoyaviy muhit yaratish, investorlarning qonuniy  huquq va manfaatlarini himoya qilish, ularga  soliq va boj imtiyozlari berish,  erkin iqtisodiy hududlarni tashkil etish,  xalqaro kelishuvlarni  imzolash kabilarni o'z  zimmasiga oladi.  Hujjatda   har bir alohida holat,  faoliyat turi va investitsiya hajmiga qarab preferensiyalarning muddatlari ham ko'rsatib  o'tilgan. Bundan tashqari,   qonunda  markazlashmagan investitsiyalar, sarmoyadorning shaxsiy mablag'lariga aniq ta'rif burilgan.    Bunga   banklar kreditlari, shu bilan birga O'zbekiston hukumati kafolati ostida olinmagan xorijiy banklar  kreditlari, to'g'ridan to'g'ri xorijiy investitsiyalar  kiradi. Markazlashmagan sarmoyalar qonunga hilof bo'lmagan boshqa manbaalar orqali ham  amalga oshirilishi mumkin.  Ular investor tomonidan mustaqil boshqariladi.

Qonunda belgilanganidek,  O'zbekistonning investitsiyaviy  dasturi  Prezident tomonidan tasdiqlanadi.  Avval ushbu dastur Vazirlar Mahkamasi tasdig'idan o'tgan.

 

 

 

 

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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 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.
- 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.

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