{"id":34448,"date":"2025-06-10T10:05:05","date_gmt":"2025-06-10T05:05:05","guid":{"rendered":"https:\/\/kommers.uz\/?p=34448"},"modified":"2025-06-10T10:05:05","modified_gmt":"2025-06-10T05:05:05","slug":"%d2%9bajsi-banklardan-ipoteka-kreditini-rasmijlashtirish-mumkin-r%d1%9ejhat-2","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=34448","title":{"rendered":"Qaysi banklardan ipoteka kreditini rasmiylashtirish mumkin? (ro\u02bbyxat)"},"content":{"rendered":"

Davlat dasturi bo\u02bbyicha ipoteka maqbulroq, chunki yillik foiz stavkalari 17\u221220% oralig\u02bbida bo\u02bblib<\/a>, Iqtisodiyot va moliya vazirligi mablag\u02bblari hisobidan moliyalashtiriladi. Biroq bunday kreditlarning miqdori cheklangan. Ikkinchi holatda esa kredit miqdori cheklanmagan, ammo foiz stavkasi ancha yuqori, chunki bunday kreditlar bankning o\u02bbz mablag\u02bblari hisobidan moliyalashtiriladi.<\/p>\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

Ariza beruvchi 18 yoshdan 60 yoshgacha bo\u02bblgan shaxslar bo\u02bblishi mumkin. Kam ta\u02bcminlangan fuqarolarga dastlabki badalni qoplash uchun 32 mln so\u02bbm miqdorida subsidiya ajratish ko\u02bbzda tutilgan.<\/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 kerak.<\/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

    Davlat dasturi bo\u02bbyicha ipoteka<\/h3>\n

    Ipoteka krediti stavkasi boshlang\u02bbich badal miqdoriga va tanlangan bankka bog\u02bbliq. Agrobankda uy-joy qiymatining 15%i yoki 30%i to\u02bblanganda foiz stavkasi 18%ni tashkil etadi. Aloqabank 30%dan yuqori bo\u02bblgan badal uchun 17,5% taklif qilmoqda. O\u02bbzmilliybank va Hamkorbankda kamida 40% to\u02bblov amalga oshirilganda yillik foiz mos ravishda 17,5% va 17%ni tashkil etadi.<\/p>\n

    O\u02bbzsanoatqurilishbank ko\u02bbchmas mulk qiymatining yarmisi miqdoridagi dastlabki to\u02bblov sharti bilan eng past foiz stavkasini \u2014 17% qilib belgilagan.<\/p>\n

    \"\"<\/p>\n

    Pasaytirilgan stavkalar bilan ipoteka<\/h3>\n

    Mart oyida prezident Ipotekani qayta moliyalashtirish kompaniyasi mablag\u02bblari hisobidan hamkor tijorat banklari tomonidan ajratiladigan ipoteka kreditlari to\u02bbg\u02bbrisidagi farmonni imzolagan edi. Ushbu dastur faqat birlamchi bozordan uy-joy sotib olish uchun mavjud.<\/p>\n

    Kredit muddati 20 yilni tashkil etadi, ammo Turonbank\u02bcda ushbu dastur doirasida 10 yilga beriladi. Uy-joy sotib olish uchun ajratiladigan eng yuqori summa Toshkent shahrida 800 mln so\u02bbmn<\/strong>i, Qoraqalpog\u02bbiston va boshqa hududlarda esa 500 mln so\u02bbmgacha<\/strong> yetadi.<\/p><\/blockquote>\n

    Barcha banklarda boshlang\u02bbich to\u02bblov uy-joy qiymatining 25%ini tashkil etadi, faqatgina Ipoteka bank\u02bcda bu ko\u02bbrsatkich 26%ga teng.<\/p>\n

    \"\"<\/p>\n

    Oddiy ipoteka<\/h3>\n

    Oddiy ipoteka kreditlari 17 ta bank tomonidan beriladi. Foiz stavkalari 23%dan 31%gacha, to\u02bblash muddati esa 5 yildan 20 yilgacha. Agrobank, Asia Alliance Bank, O\u02bbzsanoatqurilishbank kabi banklarda 3 oydan 18 oygacha imtiyozli davrlar mavjud.<\/p>\n

    Boshlang\u02bbich to\u02bblov qanchalik ko\u02bbp va kredit muddati qanchalik qisqa bo\u02bblsa, foiz stavkasi shunchalik past bo\u02bbladi.<\/p><\/blockquote>\n

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

    O\u02bbzbekiston banklarida ipotekaning ikki turi mavjud: davlat dasturi asosida beriladigan ipoteka va oddiy ipoteka. Davlat dasturi bo\u02bbyicha ipoteka faqat foydalanishga topshirilgan yangi qurilgan binolardagi kvartiralarga beriladi. Oddiy ipoteka esa birlamchi va ikkilamchi uy-joylarga ajratiladi.<\/p>\n","protected":false},"author":23,"featured_media":34452,"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\/6847bd02ec5c2.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":34452,"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\/34448"}],"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=34448"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34448\/revisions"}],"predecessor-version":[{"id":34453,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34448\/revisions\/34453"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/34452"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34448"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34448"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34448"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=34448"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}