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Joriy yilda 353 ta qishloq mavzesi hududida namunaviy loyihalar asosida 10 mingta yakka tartibda uy-joylar barpo qilish rejalashtirilgan

12.06.2013 2731

    Milliy matbuot markazida O'zbekiston Respublikasi Markaziy banki va «Qishloq qurilish bank» tomonidan "Qishloq joylarda namunaviy loyihalar asosida uy-joy qurilishini tashkil etish va kengaytirish" mavzuida matbuot anjumani o'tkazildi.
    Anjumanda ta'kidlanganidek, qishloq joylarda namunaviy loyihalar asosida yakka tartibdagi uy-joylar qurish dasturidan ko'zlangan asosiy maqsad - qishloq aholi maskanlari qiyofasini me'moriy-loyihaviy jihatdan takomillashtirish, qishloq joylarda ishlab chiqarish va ijtimoiy infratuzilmani yanada rivojlantirish orqali odamlarning turar joy sharoitini, turmush tarzini yanada yaxshilashdan iboratdir.
    Mamlakatimiz Prezidenti "Zamonaviy uy-joy qurilishi - qishloq joylarini kompleks rivojlantirish va qiyofasini o'zgartirish hamda aholi hayotining sifatini yaxshilash omili" mavzuida o'tkazilgan xalqaro konferensiyada "O'zbekiston barcha xalqaro moliyaviy tashkilotlar va moliya institutlari, chet el banklari va kompaniyalari, olimlar hamda ekspertlar bilan o'z oldiga qo'ygan maqsadni ro'yobga chiqarish -qishloqlarimiz qiyofasini tubdan o'zgartirish, qishloq aholisining hayot darajasi va sifatini yanada izchil oshirish, ularni rivojlangan davlatlardagi standartlarga yaqinlashtirishda hamkorlikni kengaytirishdan manfaatdordir", deb alohida ta'kidlagan.
    Joriy yilda 353 ta qishloq mavzesi hududida namunaviy loyihalar asosida 10 mingta yakka tartibda uy-joylar barpo qilish rejalashtirilgan. Qishloq aholisining uy-joy sharoitlarini yaxshilash, turmush darajasi va sifatini oshirishga qaratilgan va qiymati 1,4 trln. so'm bo'lgan ushbu loyihani amalga oshirishga mamlakatimizning yetakchi banklari "Qishloq qurilish bank", "Ipotekabank" va Tashqi iqtisodiy faoliyat milliy banki safarbar etilgan. O'tgan besh oy mobaynida ayni banklar tomonidan qariyb 450 mlrd. so'm kredit mablag'lari yo'naltirildi.
    Shuningdek, yakka tartibda uy-joy oluvchilar o'zlari tanlagan loyiha bo'yicha dastlabki badal sifatida uy qiymatining 25 foizini to'laydilar. Ularga qulay shartlar asosida uzoq muddatga - 15 yilga imtiyozli foiz stavkasi bo'yicha birinchi yil belgilangan foizni to'lamaslik sharti bilan 7 foiz miqdorida ipoteka krediti ajratilmoqda. Bu Markaziy bankning qayta moliyalash stavkasidan 12 foiz pastdir.
    Inson salohiyatini har tomonlama rivojlantirish, aholi turmush darajasini oshirish, qishloq va shahar o'rtasidagi tavofutni keskin qisqartirish choralari shular bilan cheklanmaydi. Bu yil ham keyinchalik ipoteka kreditlari orqali yosh oilalarga sotish uchun respublika mintaqalarida 105 ta ko'p kvartirali uy-joylar qurishga banklar tomonidan kredit mablag'lari berishni nazarda tutuvchi "Yosh oilalarga - uy-joylar" dasturi davom ettirilmoqda.
    Shu bilan birga, matbuot anjumanida qishloq joylarida uy-joy massivlarini qurish ishlari yakka tartibda uy-joy quruvchi tashkilotlari tomonidan ishlab chiqilgan va ma'qullangan namunaviy loyihalar asosida, muhandislik-kommunikatsiya, ijtimoiy va bozor infratuzilmasi ob'ektlari bilan birgalikda barpo etilayotgani, yangi qurilayotgan qishloqlar ravon yo'llar, suv va kanalizatsiya xizmati, gaz, elektr bilan ta'minlanmokda. Chakana savdo korxonalari va "Guzar" ko'rinishidagi savdo-maishiy majmualari barpo etilayotgani, tijorat banklarining ushbu loyihalarga ajratiladigan kreditlari, shubhasiz, qishloq joylarda xizmat ko'rsatish sohasi va chakana savdoni rivojlantirish, qishloqlarni obodonlashtirish va yangi ish o'rinlari yaratishga sharoit qilinayotgani ta'kidlab o'tildi. Banklarning joriy yil boshidan buyon ajratgan 315 mlrd. so'mlik kredit qo'yilmalari aynan xizmat ko'rsatish va servis sohasini rivojlantirishga yo'naltirildi.
    Matubot anjumanida O'zbekiston Respublikasi markaziy banki Kichik biznesni qo'llab-quvvatlashni muvofiqlashtirish departamenti boshqarma boshlig'i o'rinbosari Muxtor Shonazarovning “UzReport” AA muxbiriga bergan intervyusida shunday dedi:
– O'tgan “Mustahkam oila yili”da 8510 ta uy qurilib, 432,4 mlrd. so'mlik mablag' ipoteka krediti sifatida ajratilgan bo'lsa, joriy “Obod turmush yili”da ham 10 000 ta uy qurilib, 796 mlrd. so'mlik ipoteka krediti ajratilishi ko'zda tutilgan.
Qishloqlarda yuzaga kelayotgan zamonaviy sharoit oilaviy hayotning yangi mezonlarini belgilash imkonini bermoqsa.     Tijorat banklari tomonidan qishloqlarda yashovchi aholining uzoq muddat foydalanishga mo'ljallangan mahalliy uy-ro'zg'or buyumlarini harid qilishga bo'lgan ehtiyojini qondirishga ajratgan kreditlari miqdori 1 iyun holatiga 13,1 mlrd. so'mni tashkil etmoqda.
    Qishloq joylarini kompleks rivojlantirish strategiyasi ishlab chiqarish quvvatlarini, shuningdek, mamlakat iqtisodiy va ijtimoiy infratuzilmasini modernizatsiya qilish bo'yicha keng ko'lamli dasturlar bilan mutanosib ravishda amalga oshirilayotgani, qishloq hududlarining salohiyati va resurslaridan yanada samarali foydalanishga qaratilgani bilan ahamiyatlidir. Qishloq joylariga kiritilayotgan investitsiyalar tabiiyki, kichik biznes rivojiga ko'maklashadi. O'tgan besh oy mobaynida oilaviy tadbirkorlik va hunarmandchilikni rivojlantirish, tadbirkor ayollarni qo'llab-quvvatlashga ajratilgan tijorat banklari kreditlari hajmi 302 mlrd. so'mdan oshiq bo'lib, ulardan foydalanayotganlarning aksariyati qishloq tadbirkorlaridir.

UzReport 12.06.2013




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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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