{"id":34891,"date":"2025-07-24T17:09:11","date_gmt":"2025-07-24T12:09:11","guid":{"rendered":"https:\/\/kommers.uz\/?p=34891"},"modified":"2025-07-24T16:58:37","modified_gmt":"2025-07-24T11:58:37","slug":"ipoteka-kreditlari-ta%d2%9bdim-etish-tartibi-%d1%9ezgaradi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=34891","title":{"rendered":"Ipoteka kreditlari taqdim etish tartibi o\u02bbzgaradi"},"content":{"rendered":"<p>Kiritilgan o\u02bbzgartishlar quyidagilarni ta\u02bcminlashga qaratilgan:<\/p>\n<p><strong>Kredit berilmagan holda oshkoralikni ta\u02bcminlash<\/strong><strong>\u00a0<\/strong><\/p>\n<p>Endi, ipoteka krediti ajratish rad etilgan taqdirda, bank ushbu qaror qabul qilingan kundan boshlab uch ish kuni mobaynida <strong>qarz oluvchiga rad etish sabablari aniq bayon etilgan<\/strong> yozma xabarnomani taqdim etishi shart. Ilgari esa qarz oluvchiga faqat tushuntirishlarsiz qaror nusxasi yuborilar edi.<\/p>\n<p><strong>Kredit berishda qarz yukini inobatga olish<\/strong><strong>\u00a0<\/strong><\/p>\n<p>Endi, ipoteka krediti berish to\u02bbg\u02bbrisida qaror qabul qilishdan avval qarz oluvchining mavjud qarz yukini hisoblash majburiy talab sifatida joriy etildi. Hisoblash Banklarga o\u02bbrnatiladigan makroprudensial normativlar hamda ular tomonidan beriladigan kreditlar (mikroqarzlar) bo\u02bbyicha to\u02bblovlarning eng yuqori qiymatlariga doir talablar to\u02bbg\u02bbrisidagi nizom asosida amalga oshiriladi. Bu o\u02bbzgartish ilgari tavsiya etilgan yondashuvni rasmiylashtiradi. Unga ko\u02bbra, banklar kredit berishda qarz oluvchining byudjetiga bo\u02bblgan yukni inobatga olishi, ortiqcha muddatli kreditlash va moliyaviy bosimga yo\u02bbl qo\u02bbymasligi lozim edi.<\/p>\n<p><strong>Kredit va garov nisbatini hisoblash<\/strong><\/p>\n<p>Agar ipoteka obyekti bank talablariga javob bersa, muassasa kredit summasi va garov qiymati o\u02bbrtasidagi nisbatni hisoblashi shart. Bu ko\u02bbrsatkich ipoteka krediti bo\u02bbyicha individual parametrlarni belgilashda qo\u02bbllaniladi va shuningdek 3618-sonli Nizom bilan tartibga solinadi. Garov qiymati baholash xulosasi (baholash qiymati) yoki ko\u02bbchmas mulkni xarid qilish-shartnomasida ko\u02bbrsatilgan narx asosida amalga oshirilishi mumkin. Ilgari bunday hisob-kitob amalga oshirilgan bo\u02bblsa-da, garov qiymatini baholash usullari aniq normativ asosda mustahkamlanmagan edi.<\/p>\n<p>Hujjat Qonun hujjatlari ma\u02bclumotlari milliy bazasida e\u02bclon qilingan va 24.07.2025 yildan kuchga kiradi.<span id=\"ctrlcopy\"><br \/>\n<\/span><span id=\"ctrlcopy\"><\/span><span id=\"ctrlcopy\"><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank boshqaruvi tomonidan Aholiga ipoteka kreditlari ajratilishining hadli shartlari to\u02bbg\u02bbrisidagi nizomga\u00a0o\u02bbzgartishlar kiritish to\u02bbg\u02bbrisida qaror qabul qilindi.<\/p>\n","protected":false},"author":23,"featured_media":34892,"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\/688222841d5ce.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":34892,"7B0ecgVieEAP":"\u0418\u043f\u043e\u0442\u0435\u043a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043b\u0430\u0440\u0438 \u0442\u0430\u049b\u0434\u0438\u043c \u044d\u0442\u0438\u0448 \u0442\u0430\u0440\u0442\u0438\u0431\u0438 \u045e\u0437\u0433\u0430\u0440\u0430\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\/34891"}],"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=34891"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34891\/revisions"}],"predecessor-version":[{"id":34893,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/34891\/revisions\/34893"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/34892"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=34891"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=34891"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=34891"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=34891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}