{"id":35164,"date":"2025-08-20T15:13:31","date_gmt":"2025-08-20T10:13:31","guid":{"rendered":"https:\/\/kommers.uz\/?p=35164"},"modified":"2025-08-20T14:22:36","modified_gmt":"2025-08-20T09:22:36","slug":"%d2%9bajsi-banklar-mikro%d2%9barzlar-ta%d2%9bdim-etmo%d2%9bda","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=35164","title":{"rendered":"Qaysi banklar mikroqarzlar taqdim etmoqda?"},"content":{"rendered":"<p dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">2025 yil avgust oyi holatiga ko\u02bbra, mavjud 35 ta bankdan 28 tasida mikroqarzlar berilmoqda. Ular minimal uch oydan maksimal besh yilgacha muddatga, <strong>1<\/strong><strong> mln <\/strong>so\u02bbmdan <strong>100<\/strong><strong> mln<\/strong> so\u02bbmgacha berilishi mumkin.<\/p>\n<p>Markaziy bank ma\u02bclumotlariga ko\u02bbra, avgust oyiga kelib, o\u02bbrtacha foiz stavkasi 34,9% dan 36,3% gacha <a href=\"https:\/\/www.spot.uz\/oz\/2025\/08\/12\/microloans\/\" target=\"_blank\" rel=\"noopener\">ko\u02bbtarilgan<\/a>. Sakkizta bank muassasasi 40% va undan yuqori stavkada kredit taklif etmoqda. Bular qatoriga Anorbank, Apex Bank, Hamkorbank, Invest Finance Bank, Ipak Yo\u02bbli Bank, Ipotekabank, TBC Bank va Yangi bank kiradi.<\/p>\n<p>Kreditni ham onlayn, ham oflayn olish mumkin. Mobil ilova orqali rasmiylashtirishda mablag\u02bblar ariza beruvchining virtual hisobvarag\u02bbiga yoki bank kartasiga o\u02bbtkaziladi.<\/p>\n<p dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">Kredit uchun garov sifatida quyidagilar qabul qilinadi:<\/p>\n<blockquote>\n<ul>\n<li dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">uchinchi tomon kafolati;<\/li>\n<li dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">sug\u02bburta polisi;<\/li>\n<li dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">likvid garov \u2014 transport vositalari, ko\u02bbchmas mulk, zargarlik buyumlari.<\/li>\n<\/ul>\n<\/blockquote>\n<p dir=\"ltr\" data-placeholder=\"\u041f\u0435\u0440\u0435\u0432\u043e\u0434\">Qarz oluvchiga qo\u02bbyiladigan asosiy talablar \u2014 ijobiy kredit tarixi va hozirgi ish joyida kamida olti oy ish tajribasi.<\/p>\n<p data-pm-slice=\"1 1 []\">Markaziy bank 2024 yil 1 noyabrdan kredit tashkilotlari tomonidan jismoniy shaxslarga onlayn kredit ajratish jarayonida bank kartalari bilan bog\u02bbliq shubhali frod operatsiyalarining oldini olishga qaratilgan vaqtinchalik tartibni <a href=\"https:\/\/www.spot.uz\/oz\/2024\/10\/08\/online-loans\/\" target=\"_blank\" rel=\"noopener\">joriy etdi<\/a>.<\/p>\n<p data-pm-slice=\"1 1 []\">Unga ko\u02bbra, ilova orqali ariza berishda biometrik identifikatsiyadan o\u02bbtish kerak. Bu arizachining shaxsan o\u02bbzi tomonidan berilganligini aniqlash imkonini beradi.<\/p>\n<blockquote>\n<p data-pm-slice=\"1 1 []\">Agar qarzdorning qarzlari ko\u02bbp yoki muddati o\u02bbtgan bo\u02bblsa, bank kreditni rad etishi yoki uning miqdorini kamaytirishi mumkin.<\/p>\n<\/blockquote>\n<p data-pm-slice=\"1 1 []\"><em>Ro\u02bbyxat alifbo tartibida tuzilgan va banklarni tartiblamaydi. Ma\u02bclumotlar bank veb-saytlaridan olingan.<\/em><\/p>\n<p data-pm-slice=\"1 1 []\"><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-35165\" src=\"https:\/\/dinor.uz\/wp-content\/uploads\/2025\/08\/screencapture-spot-uz-oz-2025-08-20-microloans-2025-08-20-14_19_33-scaled.jpg\" alt=\"\" width=\"530\" height=\"2560\" srcset=\"https:\/\/dinor.uz\/wp-content\/uploads\/2025\/08\/screencapture-spot-uz-oz-2025-08-20-microloans-2025-08-20-14_19_33-scaled.jpg 530w, https:\/\/dinor.uz\/wp-content\/uploads\/2025\/08\/screencapture-spot-uz-oz-2025-08-20-microloans-2025-08-20-14_19_33-62x300.jpg 62w, https:\/\/dinor.uz\/wp-content\/uploads\/2025\/08\/screencapture-spot-uz-oz-2025-08-20-microloans-2025-08-20-14_19_33-212x1024.jpg 212w, https:\/\/dinor.uz\/wp-content\/uploads\/2025\/08\/screencapture-spot-uz-oz-2025-08-20-microloans-2025-08-20-14_19_33-318x1536.jpg 318w, https:\/\/dinor.uz\/wp-content\/uploads\/2025\/08\/screencapture-spot-uz-oz-2025-08-20-microloans-2025-08-20-14_19_33-424x2048.jpg 424w\" sizes=\"(max-width: 530px) 100vw, 530px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kredit muddati uch oydan besh yilgacha, miqdori esa 1 mln so\u02bbmdan 100 mln so\u02bbmgacha bo\u02bbladi. Foiz stavkalari kreditning muddatiga qarab o\u02bbzgaradi.<\/p>\n","protected":false},"author":23,"featured_media":29550,"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\/68a59fccbdcce.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":29550,"7B0ecgVieEAP":"\u049a\u0430\u0439\u0441\u0438 \u0431\u0430\u043d\u043a\u043b\u0430\u0440 \u043c\u0438\u043a\u0440\u043e\u049b\u0430\u0440\u0437\u043b\u0430\u0440 \u0442\u0430\u049b\u0434\u0438\u043c \u044d\u0442\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\/35164"}],"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=35164"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/35164\/revisions"}],"predecessor-version":[{"id":35166,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/35164\/revisions\/35166"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/29550"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35164"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35164"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35164"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=35164"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}