{"id":32603,"date":"2025-02-12T08:02:08","date_gmt":"2025-02-12T03:02:08","guid":{"rendered":"https:\/\/kommers.uz\/?p=32603"},"modified":"2025-02-12T00:51:15","modified_gmt":"2025-02-11T19:51:15","slug":"%d1%9ezbekistonda-uj-zhoj-%d2%9burilishida-eskrou-tizimi-zhorij-etilmo%d2%9bda-u-%d2%9bandaj-ishlajdi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=32603","title":{"rendered":"O\u02bbzbekistonda uy-joy qurilishida \u201ceskrou\u201d tizimi joriy etilmoqda. U qanday ishlaydi?"},"content":{"rendered":"

2017-2024 yillar davomida tijorat banklari tomonidan qariyb 480 ming nafar fuqarolarga uy-joy sotib olish hamda qurish va rekonstruksiya qilish uchun umumiy qiymati 84,1 trillion so\u02bbm<\/strong> ipoteka kreditlari ajratilgan. Bu haqda Markaziy bank boshqarma boshlig\u02bbi Nodir Komilov ma\u02bclum qildi<\/a>.<\/p>\n

Uning so\u02bbzlariga ko\u02bbra, birgina 2024 yilning o\u02bbzida jami 17,1 trillion so\u02bbm miqdoridagi ipoteka kreditlari ajratilib, 59 ming nafarga<\/strong> yaqin fuqaro uy-joy bilan ta\u02bcminlangan.<\/p>\n

Prezidentning joriy yanvar oyidagi farmon<\/a>iga ko\u02bbra, aholining pul mablag\u02bblari to\u02bbg\u02bbridan-to\u02bbg\u02bbri quruvchiga emas, balki ulushli shartnomada belgilangan grafikka asosan har oy \u201ceskrou\u201d hisob raqamida jamlab boriladi. \u201cEskrou\u201d hisobvarag\u02bbi bo\u02bbyicha operatsiyalarni to\u02bbxtatib turish yoki mablag\u02bblarni boshqa majburiyatlar bo\u02bbyicha to\u02bblovlarni amalga oshirishga ruxsat berilmaydi.<\/p>\n

Banklar mazkur mablag\u02bblarni qurilish yakuniga ko\u02bbra quruvchi pudrat tashkilotlariga yoki ulushdor fuqarolarga qaytaradi.<\/p>\n

Qayd etilishicha, ulush kiritish asosida uy-joylarni qurish jarayonida fuqarolarning qonuniy huquq va manfaatlarini ta\u02bcminlashda bir qator muhim normalar belgilanmoqda. Jumladan:<\/p>\n

birinchidan,<\/strong> aholining pul mablag\u02bblarini qurilishga ulush kiritish asosida jalb qilishga faqat notarial tasdiqlangan va davlat ro\u02bbyxatidan o\u02bbtkazilgan shartnoma asosida amalga oshiriladi;<\/p>\n

ikkinchidan,<\/strong> ulushli shartnomalar asosida quriladigan uy-joylar \u201cShaffof qurilish\u201d platformasida ro\u02bbyxatdan o\u02bbtkaziladi. Ro\u02bbyxatdan o\u02bbtkazilmagan uy-joylar kelgusida notarial idoralar tomonidan oldi-sotdi qilinmaydi hamda davlat ro\u02bbyxatidan o\u02bbtkazilmaydi;<\/p>\n

uchinchidan,<\/strong> ulushli shartnoma bo\u02bbyicha kelgusida qurib bitkaziladigan uy-joylar boshqa fuqarolarga sotilishiga va ulushli shartnomani garov predmeti sifatida qabul qilishga ruxsat beriladi;<\/p>\n

to\u02bbrtinchidan,<\/strong> quruvchi tomonidan obyektni qurish umumiy hajmining kamida 30 foizi o\u02bbz mablag\u02bblari hisobidan amalga oshirilganidan so\u02bbng, tijorat banki tomonidan quruvchiga maqsadli kredit mablag\u02bblari ajratiladi.<\/p>\n

beshinchidan,<\/strong> quruvchilarga loyihaviy moliyalashtirish orqali ajratiladigan kreditlarning yillik foiz stavkasi \u201ceskrou\u201d hisobvarag\u02bbida jamlangan mablag\u02bblar hajmidan kelib chiqib, belgilanadi. \u201cEskrou\u201d hisobvarag\u02bbida mablag\u02bblar ko\u02bbpayishi natijasida kredit foiz stavkasini pasayib borish amaliyoti yo\u02bblga qo\u02bbyiladi;<\/p>\n

Bundan ko\u02bbzlangan asosiy maqsad quruvchilar tomonidan har tomonlama raqobatbardosh uy-joylarning qurilishi va potensial xaridorlar ro\u02bbyxatini qurilish jarayonida shakllantirish orqali sotilishini rag\u02bbbatlantirishga qaratilgan.<\/em><\/p>\n

oltinchidan,<\/strong> obyektning qurilish-montaj ishlari o\u02bbz vaqtida tugallanmagan har bir kechikkan kun uchun jarimalar joriy qilinadi.<\/p>\n

Agarda qurilishning muddatini uzaytirish uchun qo\u02bbshimcha muddat kerak bo\u02bblsa, bu bevosita ulushdorning roziligi bilan qo\u02bbshimcha shartnoma tuzish orqali uzaytiriladi.<\/p>\n

Mazkur mexanizm, 2025 yil 1 iyuldan 2025 yil 31 dekabrga<\/strong> qadar \u201ceskrou\u201d hisobvaraqlari orqali hamda hozirda amalda bo\u02bblgan ulushli ishtirok etish tartibida to\u02bbg\u02bbridan-to\u02bbg\u02bbri jalb qilish mexanizmi bo\u02bbyicha parallel ravishda taraflarning tanloviga ko\u02bbra amalga oshiriladi. 2026 yil 1 yanvardan<\/strong> boshlab faqat \u201ceskrou\u201d hisobvaraqlari orqali amalga oshiriladi.<\/p>\n","protected":false},"excerpt":{"rendered":"

Endi aholining pul mablag\u02bblari to\u02bbg\u02bbridan-to\u02bbg\u02bbri quruvchiga emas, balki ulushli shartnomada belgilangan grafikka asosan har oy \u201ceskrou\u201d hisob raqamida jamlab boriladi.<\/p>\n","protected":false},"author":23,"featured_media":32604,"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":{"poster":"https:\/\/dinor.uz\/wp-content\/uploads\/2025\/02\/67ac0f35b82e7.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":32604,"7B0ecgVieEAP":"\u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d\u0434\u0430 \u0443\u0439-\u0436\u043e\u0439 \u049b\u0443\u0440\u0438\u043b\u0438\u0448\u0438\u0434\u0430 \u00ab\u044d\u0441\u043a\u0440\u043e\u0443\u00bb \u0442\u0438\u0437\u0438\u043c\u0438 \u0436\u043e\u0440\u0438\u0439 \u044d\u0442\u0438\u043b\u043c\u043e\u049b\u0434\u0430. \u0423 \u049b\u0430\u043d\u0434\u0430\u0439 \u0438\u0448\u043b\u0430\u0439\u0434\u0438?"},"_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":[2],"tags":[],"ptype":[],"_links":{"self":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/32603"}],"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\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=32603"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/32603\/revisions"}],"predecessor-version":[{"id":32605,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/32603\/revisions\/32605"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/32604"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=32603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=32603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=32603"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=32603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}