{"id":33363,"date":"2025-03-19T10:03:19","date_gmt":"2025-03-19T05:03:19","guid":{"rendered":"https:\/\/kommers.uz\/?p=33363"},"modified":"2025-03-19T10:03:19","modified_gmt":"2025-03-19T05:03:19","slug":"%d2%9bajsi-banklardan-ipoteka-kreditini-rasmijlashtirish-mumkin-r%d1%9ejhat","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=33363","title":{"rendered":"Qaysi banklardan ipoteka kreditini rasmiylashtirish mumkin? (ro\u02bbyxat)"},"content":{"rendered":"

O\u02bbzbekistonda banklar ikki turdagi ipoteka kreditlarini berishadi: davlat dasturiga bo\u02bbyicha \u2014 faqat foydalanishga topshirilgan yangi binolardagi kvartiralar uchun beriladi, oddiy \u2014 ham yangi binolardagi kvartiralar, ham ikkilamchi uy-joylar uchun ajratiladi.<\/p>\n

Davlat dasturi bo\u02bbyicha ipoteka krediti stavkalar yiliga 16,5\u221217,5 foiz orasida o\u02bbzgarib turadi<\/a> (Iqtisodiyot va moliya vazirligi hisobidan). Biroq, bunday kreditlar miqdori cheklangan. Ikkinchi turdagi kredit miqdori cheklanmagan, ammo foiz stavkasi ancha yuqori, chunki bunday kreditlar bankning o\u02bbz mablag\u02bblari hisobidan moliyalashtiriladi.<\/p>\n

Davlat dasturi bo\u02bbyicha ipoteka kreditlarini 12ta bankdan olish mumkin. Yillik stavka 16,5\u221217,5 foizni tashkil qiladi. Kredit 20 yil muddatga beriladi.<\/p><\/blockquote>\n

Bunda ba\u02bczan imtiyozli davr<\/strong> ham beriladi va u ikki oydan ikki yilgacha davom etishi mumkin. Bu vaqt mobaynida qarzdor kredit bo\u02bbyicha faqat foizni to\u02bblab turishi va qarzning asosiy qismini to\u02bblamasligi mumkin.<\/p>\n

Davlat dasturi bo\u02bbyicha ipotekada maksimal summa Toshkentdagi uylarga 420<\/strong> mln so\u02bbm <\/strong>berilib, <\/strong>Qoraqalpog\u02bbiston Respublikasi va boshqa viloyatdagilarga esa 330 mln so\u02bbm<\/strong>ni tashkil qiladi.<\/p><\/blockquote>\n

Kam ta\u02bcminlangan fuqarolar uchun dastlabki to\u02bblovni qoplash uchun belgilangan subsidiya miqdori 32 mln so\u02bbmni tashkil etadi.<\/p>\n

Ipotekani rasmiylashtirish<\/h3>\n

Bank bo\u02bblimiga birinchi marta borishdan avval kamida oxirgi 6 oydagi daromadlar to\u02bbg\u02bbrisida ma\u02bclumot tayyorlash kerak. U bank xodimi bilan maslahatlashish vaqtida kredit qanday shartlar asosida ajratilishini aniqlash imkonini beradi.<\/p>\n

Agar kreditni uzishga mablag\u02bb yetmaydigan bo\u02bblsa, hamkor jalb etish mumkin. Ariza beruvchi boshqa kredit bo\u02bbyicha qarzdor bo\u02bblmasligi lozim.<\/p>\n

Agar ipoteka shartlari qarz oluvchini qoniqtiradigan bo\u02bblsa, navbatdagi qadamga, ya\u02bcni uy tanlash, uy quruvchi yoki mulk egasi bilan dastlabki shartnoma tuzish, mustaqil baholash o\u02bbtkazish va boshqa hujjatlar to\u02bbplashga o\u02bbtish mumkin.<\/p>\n

Kerakli hujjatlar:<\/p>\n

\n
    \n
  • ariza;<\/li>\n
  • pasport yoki ID karta (arizachi va uning hamkoriniki);<\/li>\n
  • daromad to\u02bbg\u02bbrisidagi ma\u02bclumot (arizachi va uning hamkoriniki);<\/li>\n
  • uy-joy oldi-sotdi to\u02bbg\u02bbrisidagi dastlabki shartnoma;<\/li>\n
  • kadastr hujjatlari.<\/li>\n<\/ul>\n<\/blockquote>\n

    Kredit uchun kerakli hujjatlar ro\u02bbyxati bankning ichki siyosatiga ko\u02bbra o\u02bbzgarishi mumkin.<\/p>\n

    Bank hujjatarni ko\u02bbrib chiqib, arizani ma\u02bcqullagandan so\u02bbng qarzdor va bank o\u02bbrtasida shartnoma tuziladi. Bu hujjat asosida uy xaridor nomiga rasman rasmiylashtiriladi, sug\u02bburta qilinadi va bankka garov rasmiylashtiriladi. Shundan keyingina quruvchi (yoki sotuvchining bank kartasiga) hisobiga pul o\u02bbtkaziladi.<\/p>\n

    Ro\u02bbyxat alifbo tartibida tuzilgan va banklarni tartiblamaydi. Ma\u02bclumotlar banklarning rasmiy saytlari va call-markazlaridan olindi.<\/em><\/p>\n

    \"\"<\/p>\n

    *boshlang\u02bbich to\u02bblov 30% bo\u02bblganda kredit 17%ni tashkil qiladi.<\/em>
    \n**boshlang\u02bbich to\u02bblov 40% bo\u02bblganda kredit 17%ni tashkil qiladi.<\/em>
    \n***boshlang\u02bbich to\u02bblov 50% bo\u02bblganda kredit 16,5%ni tashkil qiladi<\/em><\/p>\n

    Oddiy ipoteka<\/h3>\n

    Oddiy ipoteka kreditlari 21 ta bank tomonidan beriladi. Kredit stavkasi 23,9%dan 30%gacha, to\u02bblash muddati esa 5 yildan 20 yilgacha.<\/p>\n

    Ipotek krediti olinayotganda dastlabki to\u02bblov qanchalik katta bo\u02bblsa, foiz stavkasi shunchalik past bo\u02bbladi.<\/p>\n

    \"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

    O\u02bbzbekistonda mavjud 36 ta bankdan 21 tasida ipoteka krediti rasmiylashtirish mumkin bo\u02bblib, o\u02bbrtacha foiz stavkasi 25 foizni tashkil qiladi.<\/p>\n","protected":false},"author":23,"featured_media":33366,"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\/67da50186125f.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":33366,"7B0ecgVieEAP":"\u049a\u0430\u0439\u0441\u0438 \u0431\u0430\u043d\u043a\u043b\u0430\u0440\u0434\u0430\u043d \u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0438\u043d\u0438 \u0440\u0430\u0441\u043c\u0438\u0439\u043b\u0430\u0448\u0442\u0438\u0440\u0438\u0448 \u043c\u0443\u043c\u043a\u0438\u043d? (\u0440\u045e\u0439\u0445\u0430\u0442)"},"_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\/33363"}],"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=33363"}],"version-history":[{"count":2,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/33363\/revisions"}],"predecessor-version":[{"id":33369,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/33363\/revisions\/33369"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/33366"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=33363"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=33363"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=33363"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=33363"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}