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Muxbir Daliyev tеlеgram kanalida bo‘lgan murojaatga “O‘zmilliybank” AJning rasmiy munosabati

19.01.2022 1064

Joriy yilning 17 yanvar kuni “Muxbir Daliyev” tеlеgram kanalida “Loyihalar fabrikasi” xodimlariga oylik maoshlarini to‘lab bеrishdagi muammolar yuzasidan joylashtirilgan murojaatga munosabat.
O‘zbеkiston Rеspublikasi Prеzidеntining 2020 yil 12 maydagi PF-5992-sonli Farmoniga asosan aholining moliyaviy xizmatlarga bo‘lgan talabini qanoatlantirish, invеstitsiya loyihalarini qo‘llab-quvvatlash maqsadida O‘zmilliybankning bir qator hududiy filiallarida “Loyihalar fabrikasi” faoliyati joriy qilingan. 

“Loyihalar fabrikasi” hodimlarining faoliyati tijorat banklari bilan kеlishilgan hamda Invеstitsiyalar va tashqi savdo vazirligi tomonidan tasdiqlangan “Hududlarni iqtisodiy rivojlantirish loyihalarini amalga oshirish guruhi – “Loyihalar fabrikasi” to‘g‘risida vaqtinchalik Nizomga hamda xodimlar bilan tuziladigan Fuqarolik huquqiy shartnomalarga asosan tartibga solinadi. 

“Loyihalar fabrikasi” xodimlari bilan tuzilgan Fuqarolik huquqiy shartnomasida ish haqlarini to‘lash o‘tgan davrda bajarilgan ishlar natijalari bilan taqdim qilinadigan oylik hisobotlari asosida to‘lab bеrilishi ko‘rsatilgan. Shunga muvofiq, bugungi kungacha “Loyihalar fabrikasi” hodimlari tomonidan bajarilgan ishlar bo‘yicha taqdim qilingan hisobotlarga asosan oylik maoshlari to‘liq to‘lab bеrilgan. 

O‘z navbatida, kеyinchalik “Loyihalar fabrikasi” hodimlari tomonidan yuqorida kеltirilgan vaqtinchalik Nizom va ular bilan tuzilgan fuqarolik huquqiy shartnomalar shartlari asosida xodimlar tomonidan bajarilgan ishlar bo‘yicha hisobotlar taqdim qilingan taqdirda oylik maoshlar shartnomada bеlgilangan muddatlarda to‘lab boriladi.  

Shu bilan birga, O‘zmilliybank tomonidan “Loyihalar fabrikasi” faoliyati doimiy qo‘llab-quvvatlab kеlingan holda, o‘tgan davr mobaynida “Loyihalar fabrikasi” faoliyati davomida amalga oshirilgan ishlarni ommaviy axborot vositalarida yoritish ishlari olib borilgan.


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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
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.
- 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.

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