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Milliy Bank rivojlangan axborot infratuzilmasiga ega bo'lmoqda

05.07.2015 2936

O'zbekistan Respublikasi Tashqi iqtisodiy faoliyat milliy banki barcha yo'nalishlarda ma'lum yutuqlarga erishish bilan bir qatorda, axborot tizimlariga qo'yiladigan xalqaro standartlarga javob beruvchi rivojlangan axborot infratuzilmasiga ham ega bo'lmoqda. Avtomatlashtirilgan bank tizimi esa moliyaviy resurslarni kerakli sohalarda jamlab, bank bo'linmalarini operativ tarzda idora etish imkonini beradi. Shu bilan birga, jahondagi axborot texnologiyalari rivojlanishi tendensiyalarini e'tiborga olib, mutaxassislar bank axborot tizimlarini takomillashtirish borasida yangi loyihalarni amalga oshirmoqda.

Xususan, milliy bank mijozlari hamda bank faoliyati bilan aloqador shaxslar uchun qulayliklarni yaratib beruvchi, bankning rasmiy saytida bir qator interaktiv xizmatlarni taqdim etgan. Interaktiv xizmatlar tarkibiga kiruvchi eng yangi va yuksak texnalogiyali ONLINE BANK axborot xizmati ham shular jumlasidan. Xususan, SMS, E-mail-xabarlash, shaxsiy IVR-servis va Web-kabinetlardan tashkil topgan ushbu xizmat turi mana, ko'p yillardan buyon qulayligi va ishonchliligi bilan mijozlar ishonchini oqdab kelmoqda.

Tezkor SMS, E-mail-xabarlash – bu, axborot xizmatlari kompleksi bo'lib, ular O'zmilliybank jismoniy va yuridik mijozlarining uyali telefonlariga va elektoron pochta manzillariga, ularning hisobraqamlarida amalga oshirilgan operatsiyalari SMS-xabarlar ko'rinishda yuborish orqali taqdim etiladi. Mijoz xar safar bank hisobrakamidan mablag'lar kirim va chiqim operatsiya va hisobraqami qoldig'i haqida SMS-xabar oladi. Ushbu xizmatning qulayligi shundaki, xizmat barcha uyali aloqa operatorlari abonentlariga taqdim etiladi.

Bundan tashqari, ushbu xizmatlardan foydalangan holda, omonatga qo'shilgan foizlar, xisobraqam kiritilgan va undan chiqarilgan mablag'lar haqida ma'lumotlarni SMS yoki E-mail -xabarlarda olish mumkin. Shuningdek ushbu xizmat kredit operatsiyalari bo'yicha hisoblangan foizlar, savdo terminalining inkassatsiya qilingani va inkassatsiya qilingan summa to'g'risida hamda omonatga navbatdagi foizlar qo'shilgani haqidagi xabarlarni olish imkonini beradi.

ONLINE BANK axborot xizmati tarkibida Shaxsiy IVR-servis xizmati ham mavjud bo'lib, undan uyali yoki shahar telefon raqamlaridan bankning servis raqamiga qo'ng'irok qilib, shaxsiy IVR-servis orqali interaktiv rejimda bank maxsulotlari va xizmatlari, shuningdek, mijozlarning xisobvaraqlari va depozit hisobvaraqlari bo'yicha axborot olish imkoni yaratilgan.

IVR servisdan foydalanuvchi mijoz axborot xizmatlari bo'yicha xabarlarni mustaqil ravishda  olishi yoki bekor qilishi, shuningdek, o'zining bank hisobvarag'i holatini kuzatish va bajarilgan oxirgi operatsiyalar haqida ma'lumot so'rab, SMS-xabar ko'rinishida javob olishi mumkin. Shuningdek alohida ta'kidlash joizki, shaxsiy IVR-servisga kirish PIN-kod bilan himoyalangan.

Bundan tashqari, ONLINE BANK axborot xizmati tarkibidagi shaxsiy WEB-kabinet tizimida foydalanuvchilar uchun internet tarmog'i orqali kecha-yu kunduz, istalgan vaqtda va istalgan joydan tizimga kira olish imkoniyati mavjud. Chunki tizim qo'shimcha dasturiy ta'minot o'rnatilishini talab kilmaydi.

Xulosa o'rnida aytish joizki, Milliy bank o'z mijozlariga yuksak texnologiyalarga asoslangan eng zamonaviy axborot xizmatini taqdim etish bilan o'ziga berilayotgan yuksak bahoni oqlab kelmoqda.

O'zbekistondagi boshqa moliyaviy yangiliklarni www.UzReport.uz da o'qing




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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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