{"id":34556,"date":"2025-06-18T10:29:53","date_gmt":"2025-06-18T05:29:53","guid":{"rendered":"https:\/\/kommers.uz\/?p=34556"},"modified":"2025-06-18T09:52:40","modified_gmt":"2025-06-18T04:52:40","slug":"%d1%9eziga-kredit-azhratilishini-ta%d2%9bi%d2%9blash-imkoniyati-pajdo-b%d1%9eldi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=34556","title":{"rendered":"O\u02bbziga kredit ajratilishini taqiqlash imkoniyati paydo bo\u02bbldi"},"content":{"rendered":"

\u201cKredit-axborot tahliliy markazi\u201d kredit byurosi 6 iyundan boshlab jismoniy shaxslarga o\u02bbziga kredit ajratilishini taqiqlash imkonini beruvchi xizmat ishga tushirilganini ma\u02bclum qildi<\/a>.<\/p>\n

Ya\u02bcni, byuro \u201cjismoniy shaxslar to\u02bbg\u02bbrisidagi ma\u02bclumotlarni kredit bitimi tuzishi taqiqlangan shaxslar reyestriga kiritish yoki reyestrdan chiqarish bo\u02bbyicha\u201d xizmatni joriy qilgan.<\/p>\n

Mazkur xizmat orqali jismoniy shaxslar o\u02bbzlarining ishtirokisiz yoki xabarisiz kredit bitimi rasmiylashtirilishining oldini olish uchun o\u02bbzi bilan kredit bitimini tuzishni<\/strong> kredit byurosiga ariza kiritish orqali taqiqlash imkoniyatiga ega bo\u02bbladi.<\/p>\n

\u00abBu o\u02bbz navbatida bugungi kunda o\u02bbsib borayotgan jismoniy shaxslarning xabarisiz kreditlar rasmiylashtirilishi holatlarining oldini olishga turtki bo\u02bbladi. Ushbu xizmat bepul bo\u02bblib, undan dastlab Kredit byurosining rasmiy veb-sayti<\/a> orqali foydalanish mumkin\u00bb, \u2014 deyiladi xabarda.<\/p><\/blockquote>\n

Eslatib o\u02bbtamiz, 4 mart kuni prezident tomonidan imzolangan qonun bilan \u201cKredit axboroti almashinuvi to\u02bbg\u02bbrisida\u201dgi qonunga o\u02bbzgartirish va qo\u02bbshimchalar kiritilgandi. Qonun quyi palata tomonidan 15 yanvar kuni qabul qilingan. Senat 20 fevral kuni ma\u02bcqullangan.<\/p>\n

Hujjatga ko\u02bbra, 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. Kredit bitimini tuzishni taqiqlash yoki bunday taqiqni olib tashlash ixtiyoriy amalga oshiriladi.<\/p><\/blockquote>\n

Buning uchun kredit bitimi tuzish taqiqlangan shaxslar reyestri joriy etiladi. Kredit bitimi tuzishi taqiqlangan shaxslar reyestri kredit bitimi tuzishi taqiqlangan jismoniy shaxslar to\u02bbg\u02bbrisidagi axborotni o\u02bbz ichiga olgan va kredit byurolari tomonidan yuritiladigan yagona ma\u02bclumotlar bazasi hisoblanadi.<\/p>\n

Bunday shaxslarning o\u02bbzaro muvofiqlashtirilgan reyestrini kredit byurolari tomonidan yuritilish tartibini Markaziy bank belgilaydi.<\/p>\n

Qonun bilan kredit tashkilotlariga shaxsning kredit olish huquqi mavjudligini tekshirish majburiyati yuklandi. Agar fuqaro kredit olishdan voz kechgan bo\u02bblsa, unga kredit ajratish noqonuniy hisoblanadi.<\/p>\n

Gazeta\u02bbdagi ma\u02bclumotlarga ko\u02bbra<\/a>, 2023 yilda 2790 nafar fuqaroning nomiga ularning xabardorligisiz 19 milliard so\u02bbmlik kreditlar berilgan<\/strong>, 2024 yilning sakkiz oyida esa 874 nafar jismoniy shaxs jabrlangan, ularga 36,6 milliard so\u02bbm mablag\u02bb ajratilgan.<\/p>\n","protected":false},"excerpt":{"rendered":"

Jismoniy shaxslar uchun o\u02bbz ma\u02bclumotlarini kredit bitimi tuzishi taqiqlangan shaxslar reyestriga kiritish xizmati ishga tushdi. \u201cKredit-axborot tahliliy markazi\u201d xizmat bepul ekanini va u odamlarga o\u02bbzining xabarisiz kreditlar rasmiylashtirilishi holatlarining oldini olishini qayd etgan.<\/p>\n","protected":false},"author":23,"featured_media":15146,"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\/68524ee29fcf3.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":15146,"7B0ecgVieEAP":"\u040e\u0437\u0438\u0433\u0430 \u043a\u0440\u0435\u0434\u0438\u0442 \u0430\u0436\u0440\u0430\u0442\u0438\u043b\u0438\u0448\u0438\u043d\u0438 \u0442\u0430\u049b\u0438\u049b\u043b\u0430\u0448 \u0438\u043c\u043a\u043e\u043d\u0438\u044f\u0442\u0438 \u043f\u0430\u0439\u0434\u043e \u0431\u045e\u043b\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\/34556"}],"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=34556"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34556\/revisions"}],"predecessor-version":[{"id":34557,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34556\/revisions\/34557"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/15146"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34556"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=34556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}