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Kichik biznes va xususiy tadbirkorlikni qo'llab-quvvatlash maqsadida Milliy bank tomonidan 2014 yilda 1.4 trillion so'm xajmida kreditlar ajratildi

25.01.2015 2713

Bugungi kunda bank tizimi kichik biznes va xususiy tadbirkorlik bilan shug'ullanuvchi subyektlarga bir muncha qulayliklar yaratib bermoqda. Xususan, O'zbekiston Respublikasi Tashqi iqtisodiy faoliyat Milliy bankining 2015-yil uchun rivojlanishning ustuvor vazifalaridan biri ham yurtimizning iqtisodiyoti rivojlanishiga, kichik biznes va xususiy tadbirkorlikka ko'rsatilayotgan hizmatlar doirasini kengaytirishga qaratilgan.

Aynan, kichik biznes va xususiy tadbirkorlikning barcha yo'nalishlarini qo'llab-quvvatlash maqsadida Milliy bank barcha  manbaalar hisobidan ajratgan kreditlari 2014 yilda 1.4 trillion so'mni tashkil qildi. Toshkent shahri miqyosida esa ajratilgan kreditlar summasi 490,1 millard so'mdan iborat.

Shu o'rinda savol tug'iladi xo'sh, ushbu ajratilgan kreditlar va berilayotgan imtiyozlardan kichik biznes va xususiy tadbirkorlik bilan shug'ullanayotgan shaxslar qay darajada foydalana olmoqdalar? Buni Milliy bankning Yunusobod filiali mijozlaridan biri bo'lgan  «Samara Lux Textile» MCHJ misolida ko'rishimiz mumkin.

Toshkent viloyatining Zangiota tumanida joylashgan «Samara Lux Textile» MCHJ hakida so'z borar ekan, tekstil sohasida tobora ildamlab, O'zbekiston ichki bozorini Yevropa standartlariga to'liq javob beradigan ip kalavani qayta ishlab, trikotaj to'quv matolari ichki bozorida o'z o'rniga ega bo'lib kelayotgan va ishlab chikarishni kengaytirishdan to'xtamayotgan korxonalardan biri ekanligini aytib o'tish joiz.

Korxona 2007 yilda «Qirra qurilish montaj» hususiy korxona shaklida tashkil etilgan bo'lib, 2014 yildan boshlab «Samara Lux Textil» MCHJ nomiga o'zgartirildi. Dastlab qurilish mollari ulgurji savdosi bilan shug'illanib kelgan korxona, 2014 yildan ishlab chiqarish faoliyatini boshladi.

Yusupov Hojiakbar  «Samara Lux Textil» MCHJ ishlab chiqarish direktori “UzReport” AA muxbiriga bergan intervyusida shunday dedi:

- 2009 yilda Milliy bankning Yunusobod filialidan aylanma mablag'larni oshirish maqsadida 80,0 mln. so'm va 2012 yilda 200,0 mln so'm miqdorida kreditlar oldik. Bundan tashqari, 2012 yilda Germaniyada ishlab chiqarilgan 6 dona va Turkiyada ishlab chiqarilgan 2 dona ip kalavadan mato ishlab chiqarish uskunasi sotib olish maqsadida 800,0 mln so'mlik yangi kredit rasmiylashtirildi. Natijada, 15 yangi ish o'rni yaratildi-.

Takidlash joizki Milliy bankning Yunusobod fililali tomonidan ajratilgan  umumiy kreditlar miqdori 20,1 mlrd. so'm ekvivalentiga teng. Shundan, kichik biznes va  xususiy tadbirkorlikni qo'llab-quvvatlashga ajratilgan summa 12,5 mlrd. so'm ekvivalentini tashkil etadi.

 

UzReport




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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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