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Qulay investitsiyaviy muhit samaralari

10.05.2012 3779

      Mamlakatimizda qulay investitsiya muhitining yaratilgani tufayli iqtisodiyotimizga kiritilayotgan xorijiy investitsiyalar hajmi izchil va barqaror o‘sib borayotir. Investitsiya dasturlarini amalga oshirish natijasida yangidan-yangi ob’ektlar ishga tushirilmoqda, ishlab chiqarish hajmi o‘sib, yangi ish o‘rinlari yaratilmoqda.
     Prezidentimiz Islom Karimovning 2012-yil 10-aprelda qabul qilingan “To‘g‘ridan-to‘g‘ri xorijiy investitsiyalar jalb etilishini rag‘batlantirishga oid qo‘shimcha chora-tadbirlar to‘g‘risida”gi farmoni bu borada yanada keng imkoniyatlar yaratmoqda.
     O‘zbekiston Respublikasi Adliya vazirligida tashkil etilgan anjuman mazkur farmon mazmun-mohiyati, ahamiyati hamda ijrosiga bag‘ishlandi.
     Adliya vazirining o‘rinbosari A.Usmonov mustaqillik yillarida O‘zbekistonda qulay investitsiyaviy muhit shakllantirilgani iqtisodiyot rivojida muhim ahamiyat kasb etayotganini ta’kidladi. Xorijiy investorlarning huquq va manfaatlarini himoya qilish bo‘yicha qonun yo‘li bilan keng ko‘lamdagi imtiyozlar, afzalliklar va kafolatlar tizimi yaratilgani ularning mamlakatimiz iqtisodiyotiga sarmoya kiritishga bo‘lgan qiziqishini tobora oshirmoqda.
     Hozir mamlakatimizda iqtisodiyotning yetakchi tarmoqlari va sohalarida xorijiy investitsiyalar ishtirokida 4,2 mingdan ko‘proq korxona muvaffaqiyatli faoliyat yuritmoqda. Har yili 3 milliard AQSh dollaridan ko‘proq asosan to‘g‘ridan-to‘g‘ri xorijiy investitsiyalar o‘zlashtirilmoqda. Bu esa xorijiy investorlarning mamlakatimiz iqtisodiyoti barqarorligi va pishiq-puxtaligiga, uni rivojlantirish istiqbollariga qiziqishi hamda ishonchi ortib borayotganligidan yaqqol dalolatdir.
     Davlatimiz rahbarining nomi qayd etilgan farmoni yuqori texnologiyali ishlab chiqarishlarni rivojlantirishga to‘g‘ridan-to‘g‘ri qo‘yilmalar kiritayotgan xorijiy investorlar uchun maksimal darajada qulay investitsiya muhitini yaratishga yo‘l ochayotgani sohadagi ishlar samaradorligini yanada oshiradi.
     Farmonda belgilanganidek, vazirliklar, idoralar, mahalliy davlat organlari, huquqni muhofaza qiluvchi va nazorat idoralari, tijorat banklari tomonidan xorijiy investorlar hamda xorijiy investitsiyalar ishtirokidagi korxonalarning faoliyati bilan bog‘liq qo‘shimcha talablar va cheklovlar o‘rnatilishi qat’iyan taqiqlandi va bu hol qonunga xilof deb hisoblanadi.
     Xorijiy investorlarning, xorijiy investitsiyalar ishtirokidagi korxonalarning huquq va kafolatlarini himoya qilish bo‘yicha amaldagi qonun hujjatlariga barcha davlat va xo‘jalik boshqaruvi organlari so‘zsiz rioya etishi ustidan qattiq nazorat o‘rnatilishi ham farmonda o‘z ifodasini topgan. Qonunchilik buzilishining oldini olish va aybdor mansabdor shaxslarni javobgarlikka tortish bo‘yicha prokuratura idoralari ta’sirchan choralar ko‘radi.
     O‘zbekiston Respublikasi Tashqi iqtisodiy aloqalar, investitsiyalar va savdo, Moliya, Iqtisodiyot vazirliklari, Markaziy bank, Davlat soliq va Bojxona qo‘mitalari, Savdo-sanoat palatasi mas’ul xodimlari, xorijiy investitsiyalar ishtirokidagi korxonalar vakillari qatnashgan tadbirda xorijiy investitsiyalar ishtirokidagi korxonalar uchun mamlakatimizda yaratilayotgan qulay muhit, O‘zbekiston Respublikasining sohaga oid qabul qilingan yangi normativ-huquqiy hujjatlari to‘g‘risida batafsil ma’lumot berildi. Ushbu yo‘nalishda amaliyotda yuzaga kelayotgan masalalar yechimi xususida fikr almashildi.

O‘zA 11.05.2012

 




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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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