{"id":34704,"date":"2025-07-04T11:04:39","date_gmt":"2025-07-04T06:04:39","guid":{"rendered":"https:\/\/kommers.uz\/?p=34704"},"modified":"2025-07-04T10:47:41","modified_gmt":"2025-07-04T05:47:41","slug":"markazij-bank-%d2%b3ar-uchinchi-ishlajdigan-%d1%9ezbekistonlik-kamida-bitta-kreditga-ega","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=34704","title":{"rendered":"Markaziy bank: har uchinchi ishlaydigan o\u02bbzbekistonlik kamida bitta kreditga ega"},"content":{"rendered":"<p>Markaziy bank ma\u02bclumotlariga ko\u02bbra, O\u02bbzbekistonda iqtisodiy faol aholining uchdan bir qismi kreditga <a href=\"https:\/\/t.me\/centralbankuzbekistan\/11699\">ega<\/a>.<\/p>\n<p>1 iyun holatiga ko\u02bbra, 5,18 mlndan ortiq kishi mamlakat banklarida kredit rasmiylashtirgan. Shundan qarz oluvchilarning 27 foizida (1,4 mln jismoniy shaxs) ikki va undan ortiq kredit mavjud.<\/p>\n<p>2020 yildan boshlab uch va undan ortiq kreditga ega bo\u02bblgan qarz oluvchilarning ulushi ikki baravarga oshdi \u2014 <strong>umumiy miqdorning 5 foizidan 11 foizigacha<\/strong>.<\/p>\n<p>Regulyator ma\u02bclumotlariga ko\u02bbra, ishlayotgan har uchinchi o\u02bbzbekistonlik \u2014 jami 5 mln kishida kamida bitta bank krediti bor.<\/p>\n<p>Bundan tashqari, 2 iyuldan boshlab Markaziy bank sinov tariqasida kredit turlari bo\u02bbyicha banklarning o\u02bbrtacha foiz stavkalari to\u02bbg\u02bbrisidagi ma\u02bclumotlarni e\u02bclon qilishni boshladi.<\/p>\n<p>Masalan, 1 iyul holatiga avtokreditlar bo\u02bbyicha o\u02bbrtacha stavka 24,1 foizni, mikroqarzlar bo\u02bbyicha esa <strong>34,9 foizni tashkil etdi<\/strong>. Ma\u02bclumotlar Markaziy bankning Kredit axboroti davlat reyestri bazasi asosida shakllantiriladi.<\/p>\n<blockquote><p>\u201cFuqarolar turli banklar taklifini oson taqqoslab, o\u02bbzlari uchun eng ma\u02bcqulini belgilay oladi. Bozordagi ma\u02bclumotlarning noaniqligi kamayadi, shaffoflik oshadi, tanlov imkoniyatlari kengayadi\u201d, \u2014 deya tushuntirdi regulyator.<\/p><\/blockquote>\n<p>Eng arzon <strong>avtokreditlar<\/strong>ni Ipoteka-bank (21,1 foiz), Orient Finance Bank (21,3 foiz) va O\u02bbzmilliybank (23,5 foiz) taklif qilmoqda, eng yuqori stavkalar Hamkorbank (29 foiz), Madad invest bank va Infinbank (har biri 28 foizdan) hissasiga to\u02bbg\u02bbri keladi.<\/p>\n<p><strong>Mikroqarzlar <\/strong>bo\u02bbyicha eng past foizlar Aloqabank (21,4 foiz), Infinbank (25,6 foiz) hamda O\u02bbzmilliybankda (25,9 v) qayd etildi. Eng qimmat mikroqarzlarni Apexbank (40 foiz), TBC bank (39,1 foiz) va Tengebank (39 foiz) taqdim etadi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2020 yildan boshlab uch va undan ortiq kreditga ega bo\u02bblgan qarz oluvchilarning ulushi ikki baravarga oshdi \u2014 umumiy miqdorning 5 foizidan 11 foizigacha.<\/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\/07\/68676ef9cae87.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":15146,"7B0ecgVieEAP":"\u041c\u0430\u0440\u043a\u0430\u0437\u0438\u0439 \u0431\u0430\u043d\u043a: \u04b3\u0430\u0440 \u0443\u0447\u0438\u043d\u0447\u0438 \u0438\u0448\u043b\u0430\u0439\u0434\u0438\u0433\u0430\u043d \u045e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d\u043b\u0438\u043a \u043a\u0430\u043c\u0438\u0434\u0430 \u0431\u0438\u0442\u0442\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0433\u0430 \u044d\u0433\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\/34704"}],"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=34704"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34704\/revisions"}],"predecessor-version":[{"id":34705,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34704\/revisions\/34705"}],"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=34704"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34704"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34704"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=34704"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}