{"id":33104,"date":"2025-03-06T09:09:35","date_gmt":"2025-03-06T04:09:35","guid":{"rendered":"https:\/\/kommers.uz\/?p=33104"},"modified":"2025-03-06T09:09:35","modified_gmt":"2025-03-06T04:09:35","slug":"iyun-ojidan-boshlab-%d1%9ezbekistonliklar-%d1%9ez-nomiga-kredit-rasmijlashtirishni-ta%d2%9bi%d2%9blashi-mumkin-b%d1%9eladi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=33104","title":{"rendered":"Iyun oyidan boshlab o\u02bbzbekistonliklar o\u02bbz nomiga kredit rasmiylashtirishni taqiqlashi mumkin bo\u02bbladi"},"content":{"rendered":"<p data-pm-slice=\"1 1 []\">\u201cKredit axboroti almashinuvi to\u02bbg\u02bbrisida\u201dgi qonunga jismoniy shaxslarga kredit bitimlarini tuzishni taqiqlash va bu taqiqni bekor qilish imkoniyatini beruvchi o\u02bbzgartishlar <a href=\"https:\/\/t.me\/huquqiyaxborot\/17589\">kiritilmoqda<\/a>.<\/p>\n<p data-pm-slice=\"1 1 []\">O\u02bbzini-o\u02bbzi taqiqlash fuqaroning ishtiroki yoki xabardorligisiz kreditlar rasmiylashtirilishining oldini olish maqsadida joriy etilishi mumkin. Uni joriy etish yoki bekor qilish uchun to\u02bbg\u02bbridan-to\u02bbg\u02bbri<strong> kredit byurosiga, davlat xizmatlari markaziga yoki Yagona interaktiv davlat xizmatlari portaliga<\/strong> murojaat qilish mumkin bo\u02bbladi.<\/p>\n<p>Kredit byurosi buyurtmanomani olgandan so\u02bbng darhol ariza beruvchini kredit bitimlarini tuzish taqiqlangan shaxslar reyestriga kiritishi kerak. Xizmat bepul ko\u02bbrsatiladi, uni ko\u02bbrsatishning aniq tartibini Vazirlar Mahkamasi belgilaydi.<\/p>\n<p>Banklar, mikromoliya va boshqa kredit tashkilotlari tomonidan kredit oluvchining o\u02bbzini o\u02bbzi taqiqlash reyestrida mavjudligi yoki mavjud emasligini tekshirmasdan fuqarolarga <strong>kreditlarni rasmiylashtirish taqiqlanadi<\/strong>. Ular jismoniy shaxsning ishtirokisiz yoki xabardorligisiz qarz berishdan kelib chiqadigan huquqiy oqibatlar uchun javobgar bo\u02bbladilar.<\/p>\n<p>Shuningdek, qonunda kredit byurolari ustav kapitalining eng kam miqdori \u2014 <strong>2 mlrd so\u02bbm<\/strong> etib belgilanmoqda. Bundan tashqari, Markaziy bank tomonidan quyidagilar uchun ularga nisbatan qo\u02bbllanilishi mumkin bo\u02bblgan choralar va sanksiyalar belgilanmoqda:<\/p>\n<ul>\n<li>kredit axboroti almashinuvi to\u02bbg\u02bbrisidagi va kredit byurolari faoliyatini tartibga soluvchi qonunchilik talablariga rioya etmaganlik;<\/li>\n<li>kredit byurolari xizmatlari iste\u02bcmolchilarining huquqlarini buzganlik;<\/li>\n<li>litsenziya qalbaki hujjatlardan foydalangan holda olinganligi fakti aniqlanganligi.<\/li>\n<\/ul>\n<p>Markaziy bank mazkur qoidabuzarliklarni bartaraf etish uchun majburiy ko\u02bbrsatmalar yuborish hamda <strong>BHMning 5 ming baravarigacha<\/strong> miqdorda jarima qo\u02bbllashga haqli.<\/p>\n<p>Bundan tashqari, jismoniy shaxs o\u02bbzining ishtirokisiz yoki xabarisiz kredit bitimi rasmiylashtirilishining oldini olish uchun o\u02bbzi bilan kredit bitimini tuzishni kredit byurosiga ariza kiritish orqali taqiqlashi mumkin.<\/p>\n<p>Kredit bitimini tuzishni taqiqlash yoki bunday taqiqni olib tashlash ixtiyoriy amalga oshiriladi.<\/p>\n<p>Qonun e\u02bclon qilingan kundan e\u02bctiboran uch oy o\u02bbtgach \u2014 <strong>6 iyundan kuchga<\/strong> kiradi. Kredit byurolari uchun jarimalar normasi 2026 yil 1 iyuldan boshlab amal qiladi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banklar, mikromoliya va boshqa kredit tashkilotlari tomonidan kredit oluvchining o\u02bbzini o\u02bbzi taqiqlash reyestrida mavjudligi yoki mavjud emasligini tekshirmasdan fuqarolarga kreditlarni rasmiylashtirish taqiqlanadi.<\/p>\n","protected":false},"author":23,"featured_media":29550,"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\/03\/67c92000186d8.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":29550,"7B0ecgVieEAP":"\u0418\u044e\u043d\u044c \u043e\u0439\u0438\u0434\u0430\u043d \u0431\u043e\u0448\u043b\u0430\u0431 \u045e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d\u043b\u0438\u043a\u043b\u0430\u0440 \u045e\u0437 \u043d\u043e\u043c\u0438\u0433\u0430 \u043a\u0440\u0435\u0434\u0438\u0442 \u0440\u0430\u0441\u043c\u0438\u0439\u043b\u0430\u0448\u0442\u0438\u0440\u0438\u0448\u043d\u0438 \u0442\u0430\u049b\u0438\u049b\u043b\u0430\u0448\u0438 \u043c\u0443\u043c\u043a\u0438\u043d \u0431\u045e\u043b\u0430\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\/33104"}],"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=33104"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/33104\/revisions"}],"predecessor-version":[{"id":33105,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/33104\/revisions\/33105"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/29550"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=33104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=33104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=33104"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=33104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}