{"id":35111,"date":"2025-08-15T11:58:02","date_gmt":"2025-08-15T06:58:02","guid":{"rendered":"https:\/\/kommers.uz\/?p=35111"},"modified":"2025-08-15T11:58:02","modified_gmt":"2025-08-15T06:58:02","slug":"markazij-bank-kredit-oluvchilar-uchun-chek-list-zhorij-etishni-taklif-%d2%9bilmo%d2%9bda","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=35111","title":{"rendered":"Markaziy bank kredit oluvchilar uchun chek-list joriy etishni taklif qilmoqda"},"content":{"rendered":"<p>Markaziy bank mijozlar bilan munosabatlar sohasida banklar faoliyatiga qo\u02bbyiladigan minimal talablarga o\u02bbzgartirishlar kiritish loyihasini ishlab chiqdi. Hujjat Normativ-huquqiy hujjatlar loyihalari muhokamasi portalida <a href=\"https:\/\/regulation.adliya.uz\/project\/7175\/16667?contentLang=uz\" target=\"_blank\" rel=\"noopener\">e\u02bclon qilindi<\/a>.<\/p>\n<p>Jismoniy shaxslar uchun kredit olishda majburiyatlar bilan bog\u02bbliq xatarlar ko\u02bbrsatiladigan chek-listlarni joriy etish taklif etilmoqda. Bank qarz ma\u02bcqullangandan so\u02bbng, ammo mijoz bilan kredit shartnomasi tuzilgunga qadar chek-list taqdim etishi kerak bo\u02bbladi.<\/p>\n<blockquote><p>Qarz oluvchi barcha bandlar bilan <strong>tanishib chiqishi va ularga roziligini tasdiqlashi<\/strong> kerak bo\u02bbladi. To\u02bbldirilgan chek-listsiz kredit shartnomasini imzolashga yo\u02bbl qo\u02bbyilmaydi.<\/p><\/blockquote>\n<p>Hujjatda to\u02bbrtta shart tushuntirishlar bilan sanab o\u02bbtiladi:<\/p>\n<ul>\n<li>kredit \u2014 bu xarajat;<\/li>\n<li>kreditni qaytarish jadvalini diqqat bilan o\u02bbrganib chiqdim;<\/li>\n<li>daromadlarim kredit to\u02bblovlarini to\u02bblash imkonini beradi;<\/li>\n<li>kredit to\u02bblovlarini kechiktirish oqibatlaridan xabardorman.<\/li>\n<\/ul>\n<p data-pm-slice=\"1 1 []\">Mazkur chek-list bank muassasasida kredit rasmiylashtirilayotganda \u2014 <strong>qog\u02bboz shaklida qarz oluvchiga<\/strong> taqdim etiladi. Qarz oluvchi chek-listdagi har bir bandni o\u02bbqib tanishganligini maxsus belgi bilan belgilaydi hamda chek-listni qo\u02bblda imzo qo\u02bbyib tasdiqlaydi.<\/p>\n<p data-pm-slice=\"1 1 []\">Masofaviy xizmat ko\u02bbrsatish tizimlari orqali kredit rasmiylashtirilayotganda esa qarz oluvchi chek-listdagi har bir bandni o\u02bbqib tanishganligini mahsus elektron belgi bilan belgilaydi hamda chek-listni tasdiqlash tugmasini bosadi.<\/p>\n<p data-pm-slice=\"1 1 []\">Bunda barcha belgilarni qo\u02bbyish va tasdiqlash tugmasini bosish fakti bankning avtomatlashtirilgan tizimida sana, vaqt, IP-manzil va qarz oluvchining (birgalikda qarz oluvchi) identifikatorlaridan birini ko\u02bbrsatilgan holda qayd etilishi lozim.<\/p>\n<p data-pm-slice=\"1 1 []\">Bundan tashqari, Markaziy bank banklarga kredit parametrlari, jumladan,<strong> oluvchining miqdori, muddati va daromadlari to\u02bbg\u02bbrisidagi ma\u02bclumotlarni<\/strong> mobil ilovalarga avtomatik ravishda yuklashni taqiqlashni taklif qilmoqda.<\/p>\n<p data-pm-slice=\"1 1 []\">Mijozning roziligini ifodalovchi \u201cstandart\u201d belgilar va boshqa tugmalarni o\u02bbrnatish taqiqlanadi. Shartnoma (oferta) shartlarini o\u02bbqishda qabul qilish tugmasi mijoz tomonidan hujjat oxirigacha varaqlangandan keyingina faollashishi kerak.<\/p>\n<p data-pm-slice=\"1 1 []\">Shuningdek, banklar qarz oluvchining moliyaviy qiyinchiliklari, murakkab hayotiy vaziyati yoki fors-major holatlari tufayli kredit shartnomalarini o\u02bbzgartirish va kreditlarni restrukturizatsiya qilish to\u02bbg\u02bbrisidagi arizalarni ko\u02bbrib chiqish tartibini tasdiqlashi kerak bo\u02bbladi. Hujjat bankning veb-saytida joylashtirilishi kerak.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mazkur chek-list bank muassasasida kredit rasmiylashtirilayotganda \u2014 qog\u02bboz shaklida qarz oluvchiga taqdim etiladi. Qarz oluvchi chek-listdagi har bir bandni o\u02bbqib tanishganligini maxsus belgi bilan belgilaydi hamda chek-listni qo\u02bblda imzo qo\u02bbyib tasdiqlaydi.<\/p>\n","protected":false},"author":23,"featured_media":25491,"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\/08\/689eda7b0fa6f.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":25491,"7B0ecgVieEAP":"\u041c\u0430\u0440\u043a\u0430\u0437\u0438\u0439 \u0431\u0430\u043d\u043a \u043a\u0440\u0435\u0434\u0438\u0442 \u043e\u043b\u0443\u0432\u0447\u0438\u043b\u0430\u0440 \u0443\u0447\u0443\u043d \u0447\u0435\u043a-\u043b\u0438\u0441\u0442 \u0436\u043e\u0440\u0438\u0439 \u044d\u0442\u0438\u0448\u043d\u0438 \u0442\u0430\u043a\u043b\u0438\u0444 \u049b\u0438\u043b\u043c\u043e\u049b\u0434\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\/35111"}],"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=35111"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/35111\/revisions"}],"predecessor-version":[{"id":35112,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/35111\/revisions\/35112"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/25491"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35111"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35111"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35111"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=35111"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}