{"id":34213,"date":"2025-05-21T10:12:20","date_gmt":"2025-05-21T05:12:20","guid":{"rendered":"https:\/\/kommers.uz\/?p=34213"},"modified":"2025-05-21T08:45:21","modified_gmt":"2025-05-21T03:45:21","slug":"%d2%9bajsi-banklar-mikro%d2%9barz-bermo%d2%9bda","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=34213","title":{"rendered":"Qaysi banklar mikroqarz bermoqda?"},"content":{"rendered":"<p dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">Ayrim banklar bank mijozlari uchun pasaytirilgan foizda mikroqarzlar beradi. Banklar mikroqarzlarni onlayn va oflayn rejimda berishadi. Masofadan berishda kredit bankning mobil ilovasida rasmiylashtiriladi va mijozning virtual yoki jismoniy kartasiga o\u02bbtkaziladi.<\/p>\n<p dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">Shuningdek, agar xohlasa, qarz oluvchi bankka tashrif buyurib, naqd pulda yoki bank tomonidan chiqarilgan kartada pul olishi <a href=\"https:\/\/www.spot.uz\/oz\/2025\/05\/20\/microloans\/\">mumkin<\/a>.<\/p>\n<p dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">Kredit uchun garov sifatida quyidagilar qabul qilinadi:<\/p>\n<blockquote>\n<ul>\n<li dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">uchinchi tomon kafolati;<\/li>\n<li dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">sug\u02bburta polisi;<\/li>\n<li dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">likvid garov \u2014 transport vositalari, ko\u02bbchmas mulk, zargarlik buyumlari.<\/li>\n<\/ul>\n<\/blockquote>\n<p dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">Qarz oluvchiga qo\u02bbyiladigan asosiy talablar \u2014 ijobiy kredit tarixi va hozirgi ish joyida kamida <strong>olti oy ish tajribasi<\/strong>.<\/p>\n<p data-pm-slice=\"1 1 []\">Markaziy bank 2024 yil 1 noyabrdan kredit tashkilotlari tomonidan jismoniy shaxslarga onlayn kredit ajratish jarayonida bank kartalari bilan bog\u02bbliq shubhali frod operatsiyalarining oldini olishga qaratilgan vaqtinchalik tartibni joriy etdi.<\/p>\n<p data-pm-slice=\"1 1 []\">Unga ko\u02bbra, ilova orqali ariza berishda biometrik identifikatsiyadan o\u02bbtish kerak. Bu arizachining shaxsan o\u02bbzi tomonidan berilganligini aniqlash imkonini beradi. Agar qarzdorning qarzlari ko\u02bbp yoki muddati o\u02bbtgan bo\u02bblsa, bank kreditni rad etishi yoki uning miqdorini kamaytirishi mumkin.<\/p>\n<p dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-34214\" src=\"https:\/\/dinor.uz\/wp-content\/uploads\/2025\/05\/screencapture-kommers-uz-2025-05-19-16_07_46.png\" alt=\"\" width=\"1100\" height=\"4887\" srcset=\"https:\/\/dinor.uz\/wp-content\/uploads\/2025\/05\/screencapture-kommers-uz-2025-05-19-16_07_46.png 1100w, https:\/\/dinor.uz\/wp-content\/uploads\/2025\/05\/screencapture-kommers-uz-2025-05-19-16_07_46-768x3412.png 768w, https:\/\/dinor.uz\/wp-content\/uploads\/2025\/05\/screencapture-kommers-uz-2025-05-19-16_07_46-346x1536.png 346w, https:\/\/dinor.uz\/wp-content\/uploads\/2025\/05\/screencapture-kommers-uz-2025-05-19-16_07_46-461x2048.png 461w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025 yil may oyi holatiga ko\u02bbra, mavjud 35 ta bankdan 25 tasida mikroqarzlar berilmoqda. Ular minimal ikki oydan maksimal besh yilgacha muddatga, 10 mln so\u02bbmdan 100 mln so\u02bbmgacha berilishi mumkin.<\/p>\n","protected":false},"author":23,"featured_media":34215,"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\/05\/682d60c93260b.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":34215,"7B0ecgVieEAP":"\u049a\u0430\u0439\u0441\u0438 \u0431\u0430\u043d\u043a\u043b\u0430\u0440 \u043c\u0438\u043a\u0440\u043e\u049b\u0430\u0440\u0437 \u0431\u0435\u0440\u043c\u043e\u049b\u0434\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\/34213"}],"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=34213"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34213\/revisions"}],"predecessor-version":[{"id":34216,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34213\/revisions\/34216"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/34215"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34213"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=34213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}