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O'zbekiston banklari aholiga mahalliy ishlab chiqaruvchilarining elektr-maishiy texnikalarini sotib olishlari uchun 104,5 mlrd. so'm ajratadi

25.04.2012 2809

O'zbekiston Respublikasi Vazirlar Mahkamasining 17.04.2012 yildagi 'Oilalarningijtimoiy-maishiy sharoitlarini yaxshilashga doir qo'shimcha chora-tadbirlar to'g'risida' gi qaroriga muvofiq 2012-2014 yillarda mahalliy ishlab chiqaruvchilar tomonidan elektr-maishiy texnika ishlab chiqarishning prognozi hamda 2012 yilda qurilayotgan yakka tartibdagi uy-joy qurilishi mavzelarida jamoa bo'lib foydalaniladigan korxonalarni tashkil etishning maqsadli parametrlari tasdiqlandi. elektr-maishiy tovarlarni sotib olishlari uchun aholiga tijorat banklari tomonidan ajratilinuvchi iste'mol kreditlarining hajmi tasdiqlandi.
'Mustahkam oila yili' Davlat dasturiga muvofiq chora-tadbirlar kompleksi mahalliy maishiy texnika ishlab chiqarishning ishlab turgan quvvatlarini kengaytirishga, oilalarga uzoq muddat foydalaniladigan tovarlarni iste'mol krediti sifatida berishga va jamoa bo'lib foydalaniladigan kirxonalar tashkil etish yo'li bilan xotin-qizlar mehnatining ijtimoiy-maishiy sharoitlarini yaxshilashga yo'naltirilgan, deya qayd etilgan hujjatda.
Yuqori qo'shilgan qiymat bilan buyuumlarni ishlab chiqaruvchi mashinasozlik, elektrotexnika va aviasiya sanoati korxonalari uch yil mobaynida 283,5 mingta muzlitkich, 106,6 mingta gaz plitalari, 33 mingta kir yuvish mashinalari, 341,2 mingta televizorlar, 53 ming dona chang yutkichlar, 74 ming dona mikroto'lqinli pechlar va boshqa maishiy texnikalar ishlab chiqilgan. Ularning soniga 'Sino' OAJ, 'Pontegreyn' XK, 'Ferette electronics' MCHJ (maishiy muzlitkichlar), Farg'ona gaz apparaturalari zavodi hamda 'Eko Elektron' ShK (maishiy gaz plitalari), 'Zenith Electroniks' MCHJ QK hamda 'Sta-Plast' MCHJ (kir yuvish mashinalari), 'Zenith Electroniks' MCHJ QK va 'Foton' OAJ (televizorlar), 'White Machine technology' MCHJ QK (chang yutkichlar), 'Neo San light' MCHJ QK (mikroto'lqinli pech va kondisionerlar), 'O'zelektroapparat- Elektroshit' OAJ QK (elektr dazmollar) va boshqalar.
Yuqori iste'mol xususiyatiga ega, talab katta bo'lgan mahsulotlarni ishlab chiqarish bo'yicha mahalliy sanaotchilarning intilishlari sotish borasida hukumat tomonidan mustahkamlanmoqda.
Taxminlarga ko'ra, 'Mustahkam oila yili' Davlat dasturi doirasida O'zbekistonning tijorat banklari aholiga 2012-2014 yillarda maishiy elektr uskunalarinini sotib olish uchun 104,5 mlrd. so'mlik istemol kreditlarini ajratadi. Eng kam oylik ish haqining 50 baravarigacha miqdordagi kreditdlar 3 yilgacha bo'lgan muddatga rasmiylashtiriladi. Faqat pasportning nusxasi, ish joyidan ish haqi to'g'risidagi ma'lumotnoma, shuningdek kredit bo'yicha ta'minlash, shu jumladan uchinchi shaxslarning kafilligida ta'minlash kabilar taqdim etladi. Shu jumladan ajratilgan kreditlar uchun foiz stavkasi O'zbekiston Respublikasi Markaziy bankining qayta moliyalashtirish stavkasidan oshirilmagan hajmda o'rnatiladi. Joriy yilda yurtimiz aholisiga 30 mlrd. so'mlik kredit vositalari ajratilishi rejalashtirilgan.
Hujjatda asosiy e'tibor tadbirkorlik sub'ektlari, shuningdek tijorat bannklari va boshqa moliya tashkilotlarining shaxsiy mablag'lari hisobidan yakka tartibdagi uy-joy qurilishi mavzelarida jamoa bo'lib foydalaniladigan kirxonalar tashkil etish, rekonstruksiya va ularni ta'minlashga qaratilgan. Maqsad– xotin-qizlar mehnatlarini yengillashtirish, ularining ijtimoiy-maishiy sharoitlarini yaxshilash, faol jamoat, madaniy, ijtiomiy va iqtisodiy faoliyat, bolalarni tarbiyalash sohalarda vaqtdan yanada samarali foydalanishga qaratilgan.
2012 yilda mamlaktda 75 ta kirxonalarni tashkil etish rejalashtirilgan. Buning uchun mamlakatimizning tijorat banklariga kir yuvish xizmatlari ko'rsatishni tashkil etish uchun kir yuvadigan mashina-avtomatlar va boshqa texnologik asbob-uskunalarni sotib olish uchun tadbirkorlik sub'ektlariga belgilangan tartibda kreditlar berish va lizing xizmatlarni ko'rsatish uchun maxsus kredit liniyalari ochish taklifi kiritildi.




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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 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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