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Toshkentda qishloqda zamonaviy uy-joy qurilishi masalalari muhokamasiga bag'ishlangan xalqaro anjumanning ochilish marosimi bo'lib o'tdi

18.04.2013 2220

    Joriy  yilning 17 aprelida Toshkent shahridagi Simpoziumlar Saroyida “Zamonaviy uy-joy qurilishi – qishloq joylarini kompleks rivojlantirish va qiyofasini o'zgartirish hamda aholi hayotining sifatini yaxshilash omili” mavzusidagi xalqaro konferensiyaning ochilish marosimi bo'lib o'tdi.
   Tadbirda O'zbekiston Respublikasi Prezidenti Islom Karimov nuqt so'zladi.
   Davlat rahbari anjumanning barcha qatnashchilarini qutladi va ularga anjumanda qatnashganliklari va O'zbekiston bilan hamkorligi uchun tashakkur izhor etdi. U o'z nutqida jahonning moliyaviy-iqtisodiy inqirozi davrida yetakchi mamlakatlar va xalqaro moliyaviy tashkilotlar undan chiqish yuzasidan yagona fikrga kela olmayotganliklarini ta'kidladi. Bundan buyon kredit mablag'larning yetarliligi inqirozga yuz tutgan mamlakat iqtisodiyotini sog'lomlashtirishni ta'minlashda asosiy omil bo'lib xizmat qilmaydi. Bunday holatning asosiy sababi kredit mablag'lari har doim ham o'zining yakuniy iste'molchisigacha, ya'ni real sektorgacha yetib bormasligidadir.
   AQSH, Germaniya, Buyuk Britaniya, Skandinaviyaning qator mamlakatlarilarning    tarixiy tajribasini hisobga olgan holda zamonaviy qishloq xo'jaligi qurilishi mamlakat iqtisodiyotini rivojlantirish va xalq farovonligini oshirishning eng muhim omili ekanligini ta'kidlash joiz. Chunki u nafaqat qishloq aholisini uy-joy bilan ta'minlab qolmay, balki qishloq infratuzilmasini tubdan o'zgartiradi. Shu bilan bir qatorda, aholining ish bilan bandlikni oshiradi, qurilish materiallari ishlab chiqarishni rivojlantiradi va, umuman kishilarning turmush darajasini yaxshilaydi.
   Qishloq joylarda uy-joy qurilishining eng asosiy jihati sifatida eng avvalo O'zbekistonda uning qonuniy-huquqiy bazasi tubdan qayta ko'rib chiqilganligi ta'kidlandi. Xususan, “Ipoteka to'g'risida”gi Qonun va qator boshqa huquqiy hujjatlar qabul qilindi. Ular uy-joy qurilishi uchun mo'ljallangan yer uchastkasidan muddatsiz foydalanishni ko'zda tutadi. Imorat qurish ijtimoiy infratuzilma, xususan yo'l qurilishi, suv inshootlari, gaz ta'minoti, elektr ta'minoti qurilishi bilan bir vaqtda olib boriladi. Bundan tashqari, namunaviy loyihalar bo'yicha maktablar, zamonaviy axborot va elektron xizmatlar ko'rsatuvchi ob'ektlar va boshqa zamonaviy qishloq uchun zarur bo'lgan infratuzilma ob'ektlari quriladi.
   Statistik ma'lumotlarga ko'ra, 2012 yilda O'zbekistonda umumiy maydoni 3,2 mln. kv. metrdan iborat 650 massivda qishloq massivida uy-joylari qurildi. Uy-joy qurilishiga 1,2 mlrd. AQSH dollari miqdorida kreditlar ajratilgan.
   2013 yilda 350 qishloq massivida umumiy maydoni 1,4 mln. kv. metrdan iborat 1000 dan ortiq uy-joylar qurilishi rejalashtirilgan. Bu ko'rsatkich o'tgan yilgisidan 18%. ortiq. Umuman, joriy yilda mazkur loyihalarga yo'naltirilgan sarmoyalar hajmi qariyb 1,0 mlrd $ ni tashkil etdi. Nutq davomida, shuningdek Osiyo taraqqiyot banki tomonidan    O'zbekistonga transh asosida 500 mln. AQSH dollarida kredit ajratish bo'yicha dastur ma'qullaganini ta'kidlandi. Mazkur dasturning birinchi bosqichida 2012 yilda 160 mln. AQSH dollari ajratilgan, joriy yilda 200 mln. AQSH dollari miqdorida kredit berilishi kutilmoqda.
   Shuningdek, O'zbekiston Respublikasi Prezidenti o'z nutqida mamlakatdagi makroiqtisodiy barqarorlik va iqtisodiyotning yuqori o'sish sur'atlarini ko'rsatib o'tdi. Xususan, oxirgi 6 yil ichida O'zbekiston YAIMining o'sishi kamida 8% ni tashkil qildi, davlat byudjeti ijobiy qoldiqqa ega bo'ldi, davlat qarzi past darajada bo'lib, YAIMga nisbatan qariyb 12% ni tashkil qiladi, banklar  kapitalining yetarlilik darajasi -  24%, banklar likvidliligi xalqaro minimal darajadan 2 baravar yuqori.
   Ochilish marosimida Islom taraqqiyoti banki Prezidenti  Ahmad Muhammad Ali va Osiyo taraqqiyot banki Vitse-prezidenti Ksiao Jaolar so'zga chiqdilar. Xalqaro moliyaviy institut rahbarlari mamlakatimiz rahbariyatiga hamkorlik uchun tashakkur izhor qildilar va O'zbekiston qishloqlarini rivojlantirish loyihalari bo'yicha hamkorlikni davom ettirishga tayyor ekanliklarini bildirdilar.
   Ochilish marosimidan so'ng anjumanda qator xalqaro tashkilotlar vakillari so'zga chiqdilar.

UzReport 17.04.2013

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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.

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