{"id":30170,"date":"2023-01-27T13:04:44","date_gmt":"2023-01-27T08:04:44","guid":{"rendered":"https:\/\/kommers.uz\/?p=30170"},"modified":"2023-01-27T13:04:44","modified_gmt":"2023-01-27T08:04:44","slug":"2023-jilda-ipoteka-kreditlashning-yuqori-osish-suratlarini-kutmoqdamiz-mamarizo-nurmuratov","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=30170","title":{"rendered":"\u201c2023 yilda ipoteka kreditlashning yuqori o\u02bbsish sur\u02bcatlarini kutmoqdamiz\u201d \u2014 Mamarizo Nurmuratov"},"content":{"rendered":"<p>O\u02bbzbekiston Markaziy banki ipoteka kreditlashning yuqori o\u02bbsish sur\u02bcatlarini kutmoqda. Bu haqda 26 yanvar kuni bo\u02bblib o\u02bbtgan matbuot anjumanida Markaziy bank raisi Mamarizo Nurmuratov <a href=\"https:\/\/www.youtube.com\/watch?v=sIAVXHDKAqc\">ma\u02bclum qildi<\/a>.<\/p>\n<img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-30174 size-full\" src=\"https:\/\/dinor.uz\/wp-content\/uploads\/2023\/01\/m2nela16747489062045_b.jpg\" alt=\"\" width=\"680\" height=\"483\" srcset=\"https:\/\/dinor.uz\/wp-content\/uploads\/2023\/01\/m2nela16747489062045_b.jpg 680w, https:\/\/dinor.uz\/wp-content\/uploads\/2023\/01\/m2nela16747489062045_b-300x213.jpg 300w\" sizes=\"(max-width: 680px) 100vw, 680px\" \/>\n<p>Qayd etilishicha, 2022 yil yakuni ko\u02bbra ipoteka kreditlari qoldig\u02bbi 46,4 trillion so\u02bbmni <a href=\"https:\/\/t.me\/centralbankuzbekistan\/7609\">tashkil etib<\/a>, 2021 yilning mos davriga nisbatan 29,6 foizga (10,6 trillion so\u02bbm) o\u02bbsdi. Shu bilan birga, banklar tomonidan aholiga berilgan ipoteka kreditlari hajmi (70 913 nafar, 2021 yilda 59 570 tani tashkil etgan) 2022 yili 46,9 foizga oshib, 14,4 trillion so\u02bbmni tashkil etgan bo\u02bblsa, shundan 4,3 trillion so\u02bbmi Toshkent shahriga to\u02bbg\u02bbri keladi.<\/p>\n<p>Ipoteka kreditlarini berish, asosan, Moliya vazirligi mablag\u02bblari (10,4 tirillion so\u02bbm) hisobidan moliyalashtirildi. Banklar ham o\u02bbz mablag\u02bblarini ipoteka kreditlariga faol investitsiya qila boshladi \u2014 3,79 trillion so\u02bbm (o\u02bbsish 4,4 barobar). Kreditlarning bir qismi Ipoteka kreditlash jamg\u02bbarmasi hisobidan moliyalashtirildi \u2014 167 milliard so\u02bbm.<\/p>\n<p>53 ming 28 nafar fuqaroga yangi uydan kvartira sotib olish uchun 10,78 trillion so\u02bbm (75 foiz), yana 17 ming 885 nafar fuqaroga ikkilamchi ko\u02bbchmas mulk bozorida uy-joy sotib olish uchun 3,59 trillion so\u02bbm miqdorida kredit mablag\u02bblari ajratildi. Asosiy xaridorlar 31-50 yoshdagilar (70 foiz), shuningdek, 18-30 yoshlilar (21 foiz).<\/p>\n<blockquote><p>\u201cAsosiy omil \u2014 o\u02bbtgan yillardagi ipoteka kreditlariga bo\u02bblgan talabning qoniqarsizligi. Joriy yilda ipoteka kreditlashning yuqori o\u02bbsish sur\u02bcatlarini kutmoqdamiz, bu O\u02bbzbekistonda, birinchi navbatda, Ipoteka kreditlash jamg\u02bbarmasi orqali bank tizimidagi resurslarning kafolatlangan ta\u02bcminlanishi bilan bog\u02bbliq. Ya\u02bcni, tijorat banklarining ular ajratayotgan barcha kredit resurslarini Ipoteka kreditlash jamg\u02bbarmasi orqali qoplashlari mumkin. Bu birinchi turtki\u201d, \u2014 dedi Markaziy bank rahbari.<\/p><\/blockquote>\n<p>Uning so\u02bbzlariga ko\u02bbra, resurs bazasi \u201cbank tizimi uchun ham, rentabellik bo\u02bbyicha ham, 17-18 foiz atrofidagi aholi uchun ham maqbuldir\u201d.<\/p>\n<blockquote><p>\u201cIkkinchidan, eng muhimi, hozir davlatimiz tomonidan aholini uy-joy bilan ta\u02bcminlashni yaxshilashga katta e\u02bctibor qaratilmoqda. Bu qismda esa Yangi O\u02bbzbekistonni rivojlantirish strategiyasi doirasida turar-joy majmualarini barpo etish ham qisman ipoteka kreditlash liniyalari hisobidan moliyalashtirilmoqda. Aholining, ayniqsa, kam ta\u02bcminlangan qatlamlarning dastlabki badallari va foiz to\u02bblovlarining ma\u02bclum bir qismi davlat tomonidan subsidiyalangani bois banklar bu yerda nimanidir yo\u02bbqotishi mumkin bo\u02bblgan xavf-xatarlarga ega emas\u201d, \u2014 dedi Mamarizo Nurmuratov.<\/p><\/blockquote>\n<p>Avvalroq O\u02bbzbekistonda eng ko\u02bbp ipoteka krediti ajratayotgan banklar ro\u02bbyxati <a href=\"https:\/\/dinor.uz\/ozbekistonda-eng-kop-ipoteka-krediti-azhratayotgan-banklar-rojhati-elon-qilindi\">e\u02bclon qilingandi<\/a>. Shuningdek, O\u02bbzbekistonda muammoli kreditlarning hajmi ham sezilarli darajada <a href=\"https:\/\/dinor.uz\/ozbekistonda-muammoli-kreditlarning-hazhmi-kamajdi\">kamaygani<\/a> haqida xabar berilgandi.<\/p>\n<div class=\"red-block\">\n<p><strong>Mavzuga doir:<\/strong> <a href=\"https:\/\/dinor.uz\/zhahon-banki-ozbekistonga-qarijb-1-mlrd-dollar-miqdorida-imtiyozli-kredit-taqdim-etadi\">Jahon banki O\u02bbzbekistonga qariyb 1 mlrd dollar miqdorida imtiyozli kredit taqdim etadi<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>O\u02bbzbekiston Markaziy banki ipoteka kreditlashning yuqori o\u02bbsish sur\u02bcatlarini kutmoqda. \u201cJoriy yilda ipoteka kreditlashning yuqori o\u02bbsish sur\u02bcatlarini kutmoqdamiz, bu O\u02bbzbekistonda, birinchi navbatda, Ipoteka kreditlash jamg\u02bbarmasi orqali bank tizimidagi resurslarning kafolatlangan ta\u02bcminlanishi bilan bog\u02bbliq\u201d, \u2014 dedi MB raisi<\/p>\n","protected":false},"author":10,"featured_media":30172,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_bbp_topic_count":0,"_bbp_reply_count":0,"_bbp_total_topic_count":0,"_bbp_total_reply_count":0,"_bbp_voice_count":0,"_bbp_anonymous_reply_count":0,"_bbp_topic_count_hidden":0,"_bbp_reply_count_hidden":0,"_bbp_forum_subforum_count":0,"_sharing_image":null,"_sharing_image_fieldset":[],"_dinor_sponsored":false,"_dinor_sponsor_name":"","_dinor_reading_time":0,"_dinor_primary_term":0,"_dinor_featured":false,"_dinor_urgent":false,"_dinor_show_author":false,"_dinor_kicker":"","_dinor_summary":"","_dinor_sources":"","footnotes":""},"categories":[63],"tags":[],"ptype":[],"_links":{"self":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/30170"}],"collection":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=30170"}],"version-history":[{"count":4,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/30170\/revisions"}],"predecessor-version":[{"id":30177,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/30170\/revisions\/30177"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/30172"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30170"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=30170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}