{"id":32891,"date":"2025-02-25T09:34:37","date_gmt":"2025-02-25T04:34:37","guid":{"rendered":"https:\/\/kommers.uz\/?p=32891"},"modified":"2025-02-25T09:34:37","modified_gmt":"2025-02-25T04:34:37","slug":"banklarda-s%d1%9emdagi-eng-daromadli-omonatlar-2025-jil-fevral-oji-b%d1%9ejicha","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=32891","title":{"rendered":"Banklarda so\u02bbmdagi eng daromadli omonatlar. 2025 yil fevral oyi bo\u02bbyicha"},"content":{"rendered":"

Banklar omonatchilarning maqsadlariga qarab turli xil omonatlarni taklif etadi: jamg\u02bbarma omonatlari yuqori daromad bilan uzoq muddatli saqlash uchun mos, lekin ulardan erkin pul yechib olish imkoniyati yo\u02bbq. To\u02bbldiriladigan omonatlar muntazam ravishda qo\u02bbshimcha mablag\u02bb kiritishni xohlovchilar uchun qulay hisoblanadi. Moslashuvchanlik zarur bo\u02bblsa, qisman yechib olish imkoniyati mavjud omonatni tanlash mumkin. Muddatli omonatlar yuqori foizni ta\u02bcminlaydi, biroq pulni muddat oxirigacha saqlashni talab qiladi.<\/p>\n

Spot omonatlarni ikki toifaga ajratdi<\/a>: moslashuvchan shartli omonatlar \u2014 mablag\u02bblarni to\u02bbldirish va qisman yechib olish imkoniyati mavjud bo\u02bblgan, hamda maksimal daromadli omonatlar \u2014 bularning shartlari odatda qat\u02bciyroq, biroq foiz stavkalari yuqoriroq bo\u02bbladi.<\/p>\n

Har ikkala holatda ham omonat ochish uchun zarur bo\u02bblgan minimal summa 100 ming so\u02bbmdan boshlanadi, ammo ko\u02bbpchilik banklarda minimal badal miqdori 1 mln so\u02bbmni<\/strong> tashkil etadi. \u201cAnorbank\u201d va \u201cTuronbank\u201dda esa bu ko\u02bbrsatkich ancha yuqori.<\/p>\n

Ko\u02bbpchilik banklarda omonatni muddatidan oldin yopish imkoniyati mavjud, biroq omonatda pulning saqlanish muddatiga qarab foiz stavkasi pasayishi mumkin. Banklar foizlarni to\u02bblashning turli xil usullarini taklif etadilar: har oyda, har kuni, shuningdek, omonat muddatining boshida yoki oxirida.<\/p>\n

Moslashuvchan shartlardagi omonatlar<\/h3>\n

Odatda, moslashuvchan shartli omonatlar pulni to\u02bbldirish va qisman yechib olish imkoniyatini taqdim etadi. Qulaylik uchun qo\u02bbshimcha mablag\u02bb kiritish mumkin, masalan, har oyda daromadning ma\u02bclum qismini jamg\u02bbarish, shu bilan birga foizlarni yo\u02bbqotmasdan mablag\u02bbning bir qismini olish imkoniyatiga ega bo\u02bblish mumkin.<\/p>\n

Ba\u02bczi banklar qo\u02bbshimcha badalning eng kam miqdorini belgilaydilar. Bunday omonatlar o\u02bbz mablag\u02bblaridan foydalanish imkoniyatini saqlab qolgan holda, foizli daromad olishni istovchilar uchun maqbul hisoblanadi.<\/p>\n

Ko\u02bbpincha, mablag\u02bblarni yechib olishda omonatda qolishi kerak bo\u02bblgan minimal summa minimal boshlang\u02bbich to\u02bblovga mos keladi. Bu borada \u201cAnorbank\u201d, \u201cKapitalbank\u201d va \u201cTBC Bank\u201dning<\/strong> shartlari qat\u02bciyroq. Masalan, \u201cTBC Bank\u201dda omonatning eng kam miqdori 100 ming so\u02bbmni tashkil etadi, biroq mablag\u02bblarni yechib olishda hisobda kamida 10 mln so\u02bbm qolishi kerak.<\/p>\n

Shartlari qulay bo\u02bblgan banklar orasida eng yuqori foiz stavkasi \u201cAnorbank\u201dda bo\u02bblib, u yillik 25 foizni tashkil etadi.<\/p>\n

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Qat\u02bciy shartli omonatlar<\/h3>\n

Odatda, yuqori foiz stavkalariga ega omonatlar qat\u02bciy shartlar bilan birga keladi. Ko\u02bbpchilik banklar bunday omonatlarga pul qo\u02bbshish imkoniyatini bermaydi, biroq ba\u02bczi hollarda banklar dastlabki bir necha oy ichida bunga ruxsat beradi yoki minimal qo\u02bbshish miqdorini belgilaydi.<\/p>\n

Maqola e\u02bclon qilingan paytda eng yuqori stavkalar \u201cAnorbank\u201d va \u201cTBC Bank\u201dda bo\u02bblib, u 26 foizni tashkil qiladi.<\/p>\n

Omonat muddatidan oldin yopilganda, foiz stavkasi pulning hisobvaraqda saqlanish muddatiga qarab pasaytiriladi. Ortiqcha to\u02bblangan foizlar asosiy summadan chiqarib tashlanadi.<\/p>\n

Bunday omonatlar o\u02bbz jamg\u02bbarmalarini yuqori foiz bilan belgilashni istagan va ulardan butun omonat muddati davomida foydalanishni rejalashtirmagan fuqarolar uchun qulay variant hisoblanadi.<\/p>\n

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Banklar omonatchilarning maqsadlariga qarab turli xil omonatlarni taklif etadi: jamg\u02bbarma omonatlari yuqori daromad bilan uzoq muddatli saqlash uchun mos, lekin ulardan erkin pul yechib olish imkoniyati yo\u02bbq. To\u02bbldiriladigan omonatlar muntazam ravishda qo\u02bbshimcha mablag\u02bb kiritishni xohlovchilar uchun qulay hisoblanadi.<\/p>\n","protected":false},"author":23,"featured_media":32892,"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\/67bd485ec9b94.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":32892,"7B0ecgVieEAP":"\u0411\u0430\u043d\u043a\u043b\u0430\u0440\u0434\u0430 \u0441\u045e\u043c\u0434\u0430\u0433\u0438 \u044d\u043d\u0433 \u0434\u0430\u0440\u043e\u043c\u0430\u0434\u043b\u0438 \u043e\u043c\u043e\u043d\u0430\u0442\u043b\u0430\u0440. 2025 \u0439\u0438\u043b \u0444\u0435\u0432\u0440\u0430\u043b\u044c \u043e\u0439\u0438 \u0431\u045e\u0439\u0438\u0447\u0430"},"_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\/32891"}],"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=32891"}],"version-history":[{"count":3,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/32891\/revisions"}],"predecessor-version":[{"id":32904,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/32891\/revisions\/32904"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/32892"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=32891"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=32891"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=32891"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=32891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}