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O'zmilliybank kichik biznes va xususiy tadbirkorlik subyektlariga 1 trln. 492,0 mlrd. so'm miqdorida kreditlar ajratdi

29.10.2015 3189

Bugungi kunda mamlakatimiz moliya muassasalari tomonidan sanoatning bazaviy tarmoqlarini rivojlantirish, eksportga mo'ljallangan va import o'rnini bosuvchi mahsulotlarni ishlab chiqarishga yo’naltirilgan korxonalarni qurish hamda modernizatsiya qilish, zamonaviy transport, muhandislik-kommunikatsiya va ijtimoiy infratuzilma sohalarini yuksaltirish maqsadida kichik biznes va xususiy tadbirkorlik subyektlari uchun qator kreditlar ajratib kelinmoqda. Bu borada “O'zmilliybank” tomonidan olib borilayotgan samarali kredit siyosatini ko’rishimiz mumkin. Ta'kidalash kerakki, bank tomonidan kichik biznes va xususiy tadbirkorlik subyektlariga joriy yilning 9 oyi davomida 1 trln. 492,0 mlrd. so'm miqdorida kreditlar ajratilgan bo’lsa bevosita jismoniy shaxslarga 67,2 mlrd so'm miqdorida ipoteka hamda iste'mol kreditlari ajratildi.

Qayd etish kerakki, O’zmilliybank tomonidan ajratilayotgan kreditlar kichik biznes subyektlarini har tomonlama qo'llab-quvvatlash, yoshlarni tadbirkorlik faoliyatiga keng jalb etish, shu jumladan, qishloq hududlarida namunaviy loyihalar bo'yicha yakka tartibdagi uy-joylarning qurilishiga hamda yosh oilalarning moddiy-maishiy sharoitini yaxshilashga qaratilgan. Bevosita bank kredit portfelining 2015-yil 1-oktyabr holatiga nazar tashlaydigan bo’lsak, barcha ajratilgan kreditlar miqdori 9 trln. 321,4 mlrd. so'mni tashkil etib, o'tgan yilning mos davridagi kredit portfeliga nisbatan 21 foizga o'sganligini ko’rishimiz mumkin. Bank kredit portfelining asosiy qismi uzoq muddatli kreditlardan iborat bo'lib, ular salmog'i kredit portfelning 97 foizini tashkil etmoqda.

Ozod Sagdiyev “O’zmilliybank” kredit departamenti kredit portfelini rejalashtirish va tahlil qilish bo’limi boshlig’i UzReport AA muhbiriga bergan intervyusida shunday dedi:       

             -  Kredit portfelining asosiy qismi tarmoqlar bo'yicha transport va aloqani rivojlantirish, yonilg'i-energetika kompleksini, savdo va ta'minot korxonalarini, qishloq xo'jaligi, qurilish va qurilish materialari, oziq-ovqat va yengil sanoat tarmoqlaridan iborat. Xorijiy valyutada kreditlash manbalariga xorijiy banklarning qayta moliyalashan mablag'lari, O'zbekisyun Respublikasi Tiklanish va taraqqiyot jamg'armasining mablag'lari va Bankning o'z mablag'lari tashkil etgan bo'lsa, milliy valyutadagi kreditlash manbalariga Bankning o'ziga tegishli, O'zbekiston Respublikasi Markaziy banki hamda Moliya vazirligidan jalb qilingan resurslari kiradi.   

Shu bilan birga, bank tomonidan iqtisodiyotning real sektori korxonalarini qo'llab-quvvatlash, ularning barqaror faoliyat yuritishi va eksport salohiyati ortishini ta'minlashga qaratilgan qator chora-tadbirlar amalga oshirilgan. Buning natijasi o’laroq, joriy yil boshidan hisobot sanasiga qadar bank tomonidan eksportchi korxonalarga 320,0 mlrd. so'm miqdorida imtiyozli kreditlar ajratildi. Bundan tashqari, bank tomonidan investitsiya loyihalarini moliyalashtirishda tijorat muassasalari ishtirokini yanada kengaytirish maqsadida hisobot davriga qadar 1 trln. 508,3 mlrd. so'm miqdorida investitsion kreditlar ajratilgan bo’lib, ularning qoldig'i 8 trln. 099,4 mlrd. so'mni yoki kredit portfelining 87 foizini tashkil etgan. Shuningdek, kichik biznes va xususiy tadbirkorlik subyektlarini qo'llab-quvvatlash, faoliyat olib borayotgan korxonalarda sut mahsulotlari, chorvachilik va boshqa qishloq xo'jaligi tovarlarini qayta ishlash uchun zamonaviy mini-texnologiyalarni xarid qilish kabi qator loyihalarga bank tomonidan bugungi kunga qadar milliy va xorijiy valyutalarda kreditlar ajratilib kelinmoqda.

Ozod Sagdiyev “O’zmilliybank’ kredit departamenti kredit portfelini rejalashtirish va tahlil qilish bo’limi boshlig’i UzReport AA muhbiriga bergan intervyusida shunday dedi:

-          2015 -yilning 1-oktyabr  holatiga  Kichik  biznes  va  xususiy  tadbirkorlik subyektlariga 1 trln. 492,0 mlrd. so'm miqdorida kreditlar ajratildi, shundan 229,0 mlrd. so'mi mikrokreditlardan iborat. Ushbu ko'rsatkich o'tgan yilning mos davriga nisbatan 1,3 baravarga ko'pdir. Shuningdek, tadbirkor ayollarga 220,0 mlrd. so'm, kollej bitiruvchilariga 40,0 mlrd. so'm va oilaviy tadbirkorlarga 40,0 mlrd. so'm miqdorida kreditlar ajratildi.

O’zmilliybank tomonidan joriy yilning 9 oyi davomida aholining, shu jumladan, yosh oilalarning moddiy-maishiy sharoitlarini yaxshilash hamda respublikamizning oliy o'quv yurtlarida o'qishga haq to'lash va boshqa maqsadlar uchun ipoteka va iste'mol kreditlari ajratilib kelinmoqda.

Ozod Sagdiyev “O’zmilliybank” kredit departamenti kredit partfelini rejalashtirish va tahlil qilish bo’limi boshlig’i UzReport AA muhbiriga bergan intervyusida shunday dedi:   

-          Jumladan, joriy yil boshidan hisobot sanasiga qadar 60,0 mlrd. so'm miqdorida ipoteka kreditlari, shundan yosh oilalarga 20,3 mlrd. so'm, iste'mol kreditlari 7,2 mlrd. so'm, shundan yosh oilalarga 6,8 mlrd. so'm, oliy o'quv yurtlariga shartnoma asosida qabul qilingan talabalarga 8,1 mlrd. so'm miqdorida ta'lim kreditlari ajratildi.

Shuningdek bank tomonidan 2015-yilda qishloq  joylarda namunaviy loyihalar bo'yicha yakka tartibdagi uy-joy qurilishi dasturiga muvofiq qurilayotgan uylarni moliyalashtirishga 173,2 mlrd. so'm miqdorida ipoteka kreditlari ham ajratildi.  

Ozod Sagdiyev “O’zmilliybank” kredit departamenti kredit portfelini rejalashtirish va tahlil qilish bo’limi boshlig’i UzReport AA muhbiriga bergan intervyusida shunday dedi:

 -         O'zmilliybank  tomonidan Respublikamiz hududlarida 66 ta ko'p qavvatli uy-joylarning qurilish ishlari uchun quruvchi tashkilotlarga joriy yilning 1-oktyabr holatiga 122,4 mlrd. so'm miqdorida kredit mablag'lari ajratildi.Shu bilan birga, yurtboshimizning "O'zbekiston Respublikasida yoshlarga oid davlat siyosatini amalga oshirishga qaratilgan qo'shimcha chora-tadbirlar to'g'risida" va Vazirlar Mahkamasining "Mamlakatning ijtimoiy hayotida faol qatnashayotgan yosh oilalarni uy-joy bilan ta'minlashni yanada qo'llab-quvvatlash chora-tadbirlari to'g'risida" gi qarorlarining ijrosini ta'minlash maqsadida "Kamolot" uylarini qurilishi va qayta ta'mirlash doirasida pudratchi tashkilotlarga jami bo'lib 30,5 mlrd. so'm miqdorida kredit mablag'lari ajratildi.

Bir so’z bilan aytganda bank tomonidan ajratilayotgan kreditlar mamlakat rivojiga o’z hisasini qo’shishi mumkin bo’lgan korxonalarning rivojlanishi hamda yangi bo’sh ish o’rinlarini paydo bo’lishiga zamin yaratmoqda.

 

UzReport




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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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