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O'zbekiston garov reyestri faoliyati 'Doing Business – 2016'

15.04.2016 3029

O'zbekiston garov reyestri faoliyati "Doing Business – 2016" hisobotida "Kredit olish" indikatori bo'yicha 63 pog'ona ko'tarildi.

UzReport.uz

   Mamlakatimizda Markaziy bank huzuridagi «Garov reyestri»  DUK faoliyatini  xalqaro tajribalar asosida yanada rivojlantirish uchun Xalqaro moliya korporatsiyasi  bilan Hamkorlik kelishuvi imzolangan bo'lib, hozirgi paytda ana shu kelishuv doirasida garov reyestrining avzalliklari va imtiyozlarini targ'ib qilish bo'yicha chora-tadbirlar amalga oshirilmoqda. Bundan tashqari, mamlakatimizda garov reyestri faoliyatini tartibga soluvchi normativ-huquqiy hujjatlarni takomillashtirish yuzasidan ham  ishlar olib borilmoqda.

   Reyestr - har bir yuridik yoki jismoniy shaxs bilan tuziladigan shartnoma asosida ma'lumot  kiritish uchun garov reyestriga kirish, shuningdek, undan real vaqt rejimida, shu jumladan, internet axborot tarmog'i orqali foydalanish imkoniyatini beruvchi manbaa hisoblanadi. Mutaxassislarning fikricha,  bu yil  garov reyestri foydalanuvchilariga yozuvlarni kiritish va garov reyestri bilan ishlashda yanada qulayliklar yaratish maqsadida dasturiy ta'minotlarni ishlab chiqish  ko'zda tutilmoqda.

   Shuningdek,  «Garov reyestri»  DUK rasmiy saytidagi («garov.uz») ma'lumotlar bazasi yanada kengaytirilishi, bu esa o'z navbatida undan foydalanuvchilar sonining  ortishiga xizmat qiladi. Qolaversa, garov reyestri foydalanuvchilariga yozuvlarni kiritish va garov reyestri bilan ishlashda yanada qulayliklar yaratish uchun dasturiy ta'minotlar yaratiladi. Ma'lumotlarga ko'ra,  o'tgan yil davomida 17 ta foydalanuvchi baza ro'yxatidan o'tkazildi va ularning soni 132 taga yetdi.

   Bugungi kunda barcha tijorat banklari, mikrokredit tashkilotlari va lombardlar, shuningdek, boshqa korxona va tashkilotlar hamda jismoniy shaxslar garov reyestri xizmatlaridan foydalanishmoqda. Markaziy bankning  ma'lum qilishicha, 2015-yilda  foydalanuvchilar tomonidan garov reyestriga 118 mingdan ziyod yozuvlar kiritilib ularning qariyb 14 mingtasiga o'zgartirishlar kiritilgan. Garov majburiyatlari bajarilgandan so'ng 27 mingga yaqin yozuv garov reyestridan chiqarilgan.

   Shuningdek, foydalanuvchilarga yozuvlar bo'yicha garov reyestridan 1,7 mingdan ortiq ko'chirmalar taqdim etilgan. Natijada, 2015-yil davomida garov reyestriga ta'minot sifatida qabul qilingan 318,5 mingta mol-mulkka nisbatan kreditorlarning huquqlari to'g'risida yozuvlar kiritildi. Qayd etish lozimki, Xalqaro moliya korporatsiyasining ekspertlari tomonidan O'zbekistonda garov reyestrini rivojlantirish bo'yicha erishilgan natijalar yuqori baholandi hamda ushbu ijobiy o'zgarishlar Jahon bankining «Doing Business – 2016» hisobotida mamlakatimiz «Kredit olish» indikatori bo'yicha 63 pog'ona ko'tarilishiga asosiy omil bo'ldi.

UzReport.uz

   




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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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