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O'zbekistonda kichik biznes va hususiy tadbirkorlikni rivojlantirishga 260,7 mlrd. so'mlik kreditlar berilishi rejalashtirilmoqda

27.02.2012 3298

   'Tadbirkorlik - mustahkam oila poydevori' - Andijonda o'tgan biznes-forum mana shunday nomlandi.

   Markaziy bank va Andijon viloyati hokimligi birgalikda tashkil etgan anjuman doirasida tadbirkorlik doirasi va aholi vakillari, ishbilarmonlikni qo'llab-quvvatlashga ko'mak beruvchi jamoat tashkilotlari va idoralar vakillari tijorat banklari rahbarlari bilan yuzma-yuz muloqot qilishdi. Ular o'zaro manfaatli hamkorlikni kengaytirish masalalarida fikr almashdilar.

   Forum doirasida viloyat tadbirkorlari o'zlari ishlab chiqarayotgan mahsulot va xizmatlarni namoyish etishdi. Shu bilan birga ular tijorat banklarining 'Mustahkam oila yili'dagi kredit va depozit siyosatining asosiy yo'nalishlari bilan atroflicha tanishdilar.

   Qayd etildiki, tijorat banklari 'Mustahkam oila yili davlat dasturi'ga kiritilajak loyihalarni moliyalashtirishda faol ishtirok etadi. Joriy yilda viloyatdagi kichik biznes va xususiy tadbirkorlik sub'ektlari rivoji uchun 260,7 mlrd. so'mdan oshiq kredit resurslari ajratishni rejalashtirmoqda. Uning 83,3 mlrd. so'mdan oshiqrog'ini mikrokreditlar tashkil qiladi. Kasb-hunar kollejlari bitiruvchilariga tadbirkorlik faoliyatini amalga oshirishlari hamda oilaviy tadbirkorlik va hunarmandlikni rivojlantirish uchun salkam 9,9 mlrd so'm kredit mablag'lari yo'naltiriladi.

   Bankirlar oilaviy biznesni rivojlantirishga alohida e'tibor qaratishini ta'kidlashdi. Chunki ular biznesning bu turini kichik biznes va xususiy tadbirkorlikning muhim bir bo'g'ini sifatida deb bilishmoqda. Oilaviy tadbirkorlik milliy an'analarimizga xos bo'lib, hozirgi iqtisodiy sharoitda uning rivojlanishi uchun etarlicha imkoniyatlar ochilayotgani ta'kidlandi. Oilaviy biznes bilan shug'ullanish oila mustahkamligini ta'minlaydi, maishiy muammolarni hal qilish imkonini yaratadi. Kredit resurslaridan foydalanish va ishlab chiqarishni tashkil etishda oilaviy mas'ullik darajasi oshadi. Jahondagi ko'pgina mashhur kompaniyalar tarixiga nazar tashlansa, aynan oilaviy biznes mustahkam poydevor bo'lgani oydinlashadi.

   Oilaviy biznesning keng va jadal taraqqiyoti iqtisodiyotning turli sohalarida yangi korxonalarning paydo bo'lishi va yangi ish o'rinlarining yaratilishini ta'minlaydi. Viloyat tadbirkor ayollari loyihalariga ajratilishi mo'ljallanayotgan 30,5 mlrd so'mlik kreditlar ham aynan shu maqsadlarga xizmat qiladi.

   Forum nihoyasida tijorat banklari rahbarlari kredit mablag'lari hisobiga o'z biznesini namunali tashkil etgan tadbirkorlarni qimmatbaho sovg'alar bilan taqdirlashdi. Shuningdek, 7 nominatsiya bo'yicha o'tkazilgan 'Eng yaxshi bizes loyiha' tanlovida g'olib chiqqan 75 ta loyiha egasiga 2012 yilda 9 mlrd.so'm miqdorida imtiyozli foizda kreditlar ajratish bo'yicha sertifikatlar topshirildi.

UzReport 24.02.2012




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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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