{"id":34432,"date":"2025-06-09T16:33:52","date_gmt":"2025-06-09T11:33:52","guid":{"rendered":"https:\/\/kommers.uz\/?p=34432"},"modified":"2025-06-09T16:07:49","modified_gmt":"2025-06-09T11:07:49","slug":"%d1%9ezbekistonda-uj-zhojlar-asl-narhidan-%d2%9bimmatmi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=34432","title":{"rendered":"O\u02bbzbekistonda uy-joylar asl narxidan qimmatmi?"},"content":{"rendered":"<p><strong>Uylar asl narxidan qimmatligicha qolmoqda<\/strong><\/p>\n<p>2024 yilda O\u02bbzbekistonda uylar narxlari keskin o\u02bbsmadi, lekin bozordagi narxlar hali ham uylarning asli (fundamental) qiymatidan 17 foiz yuqori. O\u02bbtgan yili uy narxlari yillik o\u02bbsish sur\u02bcati <strong>18,2 foizni tashkil etdi<\/strong>, biroq bu 2023 yildagidan 14,2 foizga kam.<\/p>\n<p>Tahlil qilinishicha, banklarda ipoteka krediti berish shartlari qiyinlashgani va aholining real daromadiga mos narxlar shakllana boshlashi tufayli talab pasaygan.<\/p>\n<p>Yil davomida ipoteka kreditlari qimmatlashib, foizlari oshdi. Qarzni to\u02bblash muddati qisqartirilgani hisobiga ipoteka kreditlari uchun xizmat ko\u02bbrsatish xarajatlari o\u02bbsgan. Natijada oylik to\u02bblov qiymati ko\u02bbtarilib, odamlarda kreditga uy olish imkoni toraygan.<\/p>\n<p>Yil davomida o\u02bbrtacha ish haqi 17,8 foiz o\u02bbsgan bo\u02bblsa, ipoteka to\u02bblovlari miqdori 44 foizga ko\u02bbtarilgan. Buning ta\u02bcsirida odamlarning uy olish qobiliyati 27 foizga pasaygan.<\/p>\n<p><strong>Uy-joy sotib olish kamaydi<\/strong><\/p>\n<p>O\u02bbtgan yili respublikada jami 329 mingta uy sotilgan. Bu ko\u02bbrsatkich 2023 yildagiga qaraganda 2,2 foiz kam. Mazkur pasayishga ipoteka olishdagi cheklovlar va bozordagi narxlarning qisman reallashuvi sabab bo\u02bblgan.<\/p>\n<p>2023 yil yakunida O\u02bbzbekistonda jami<strong> 7,5 millionta uy-joy bo\u02bblgan<\/strong>. Bu aholining har 5 nafariga 1 ta uy to\u02bbg\u02bbri kelishini anglatadi.<\/p>\n<p>2025 yil 1 yanvar holatiga ko\u02bbra, banklardagi kreditlarning 13 foizi ipotekaga to\u02bbg\u02bbri kelgan. Markaziy bank sharhiga qaraganda, bu ko\u02bbrsatkich banklar uchun katta xatar yaratmaydi.<\/p>\n<p><strong>Ipoteka kreditlari bilan bog\u02bbliq vaziyat<\/strong><\/p>\n<p>O\u02bbtgan yili aholiga ajratilgan ipoteka kreditlari miqdori 17,1 trln so\u02bbmni tashkil etdi. Shundan 92 foizi uy-joy sotib olishga sarflangan. Yil davomida ajratilgan ipoteka kreditlari soni 58,9 mingtani tashkil etib, 2023 yilga nisbatan 14 foizga kamaygan.<\/p>\n<blockquote><p><em>\u00abMamlakatning mehnatga layoqatli yoshdagi doimiy aholisi tarkibida ipoteka krediti mavjud jismoniy shaxslar ulushining o\u02bbsish sur\u02bcatida ham sekinlashish kuzatilgan. <\/em><em>Jumladan, 2024 yil yakunida har mingta mehnatga layoqatli yoshdagi doimiy aholiga to\u02bbg\u02bbri keladigan ipoteka kredit<\/em><em>i<\/em><em> oluvchilar soni 18 kishini tashkil etib, 2023 yilga nisbatan 7 foizga o\u02bbsgan. Shuningdek, 2024 yilda har mingta mehnatga layoqatli yoshdagi doimiy aholiga to\u02bbg\u02bbri keladigan ipoteka krediti oluvchilar sonining o\u02bbsish sur\u02bcati 2023 yilga nisbatan 4 foiz bandga kamaygan<\/em><em>\u00bb, deya ma\u02bclum qilgan Markaziy bank.<\/em><\/p><\/blockquote>\n<p>O\u02bbtgan yilda aholiga ajratilgan ipoteka kreditlarining o\u02bbrtacha miqdori <strong>291 mln so\u02bbmni tashkil etib<\/strong>, 2023 yilga nisbatan 18 foizga oshdi. Bunda uy-joy bozor narxlarining o\u02bbsishi ajratilgan ipoteka kreditlari o\u02bbrtacha miqdorining ortishiga ta\u02bcsir ko\u02bbrsatdi.<\/p>\n<blockquote><p>\u201cBanklar tomonidan ipoteka krediti ajratish standartlari biroz qat\u02bciylashdi. 2024 yilda ajratilgan ipoteka kreditlarining o\u02bbrtacha tortilgan so\u02bbndirish muddati 16,6 yilni tashkil etib, 2023 yilga nisbatan 0,8 yilga qisqardi\u201d, deya qayd etgan regulyator.<\/p><\/blockquote>\n<p>Hisob-kitoblarga qaraganda, 2024 yilda o\u02bbrtacha tortilgan ipoteka krediti foiz stavkasi 0,5 foizga ortib, 19,8 foizni tashkil etgan.<\/p>\n<p>Sharhlanishicha, banklar ipoteka berish talablarini qat\u02bciylashtirgani ikki tomonlama ta\u02bcsir qilmoqda. Bir tomondan, kredit olish va uni to\u02bblash qiyinlashgani uchun odamlar uchun uy olish imkoniyati kamaydi. Ikkinchi tomondan, shunday qat\u02bciy talablar banklar uchun xavfni (ya\u02bcni odamlar kreditni to\u02bblamay qo\u02bbyishi ehtimolini) kamaytiradi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank 2024 yilga oid Moliyaviy barqarorlik ko\u02bbchmas mulk bozori qanday o\u02bbzgarayotganini tahlil qildi. Qayd etilishicha, mamlakatda uy-joylar narxi o\u02bbsishi to\u02bbxtagan bo\u02bblsada, qiymat hali ham yuqori.<\/p>\n","protected":false},"author":23,"featured_media":34433,"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\/06\/6846c6f4de98c.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":34433,"7B0ecgVieEAP":"\u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d\u0434\u0430 \u0443\u0439-\u0436\u043e\u0439\u043b\u0430\u0440 \u0430\u0441\u043b \u043d\u0430\u0440\u0445\u0438\u0434\u0430\u043d \u049b\u0438\u043c\u043c\u0430\u0442\u043c\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\/34432"}],"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=34432"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34432\/revisions"}],"predecessor-version":[{"id":34434,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34432\/revisions\/34434"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/34433"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34432"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34432"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34432"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=34432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}