{"id":35730,"date":"2025-10-29T09:13:15","date_gmt":"2025-10-29T04:13:15","guid":{"rendered":"https:\/\/kommers.uz\/?p=35730"},"modified":"2025-10-29T09:13:15","modified_gmt":"2025-10-29T04:13:15","slug":"izhtimoij-nafa%d2%9ba-va-yordam-pullaridan-kredit-%d2%9barzini-undirish-ta%d2%9bi%d2%9blanadi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=35730","title":{"rendered":"Ijtimoiy nafaqa va yordam pullaridan kredit qarzini undirish taqiqlanadi"},"content":{"rendered":"<p dir=\"auto\">Markaziy Bankning \u201cBank xizmatlari iste\u02bcmolchilari bilan o\u02bbzaro munosabatlarni amalga oshirishda tijorat banklarining faoliyatiga qo\u02bbyiladigan minimal talablar to\u02bbg\u02bbrisidagi nizomga qo\u02bbshimcha va o\u02bbzgartirishlar kiritish haqida\u201dgi qarori davlat ro\u02bbyxatidan o\u02bbtkazildi, deb\u00a0<a href=\"https:\/\/t.me\/adliyangiliklari\/23014\" target=\"_blank\" rel=\"noopener\">xabar<\/a>\u00a0berdi Adliya vazirligi.<\/p>\n<p dir=\"auto\">Ushbu hujjatda banklar bilan munosabatda iste\u02bcmolchilarning huquq va manfaatlarini himoya qilishga qaratilgan bir qator yangiliklar belgilandi:<\/p>\n<p dir=\"auto\">\u2013 Davlat tomonidan beriladigan ijtimoiy nafaqa va yordam pullari, jumladan ijtimoiy kartalarga kelib tushadigan pullarni kredit qarzdorligi uchun undirish taqiqlandi;<\/p>\n<p dir=\"auto\">\u2013 kreditlarni onlayn rasmiylashtirishda mijoz roziligini ifodalovchi maydonchalarni yoki kredit parametrlarini oldindan belgilab (tasdiq belgisini) qo\u02bbyish taqiqlandi.<\/p>\n<p dir=\"auto\">Shu bilan birga:<\/p>\n<p dir=\"auto\">&#8211; banklar kredit ajratish vaqtida iste\u02bcmolchilarga kredit olish bilan bog\u02bbliq ehtimoliy tavakkalchiliklar to\u02bbg\u02bbrisida cheklist taqdim etishi kerak;<\/p>\n<p dir=\"auto\">&#8211; bank omonati (depoziti) shartnomasi yoki bank hisobvarag\u02bbi shartnomasini tuzish jarayonlarida banklar omonatchilarni omonatlarni kafolatlash tizimi haqidagi axborot bilan tanishtirishi lozim;<\/p>\n<p dir=\"auto\">&#8211; banklarda moliyaviy qiyinchilik yoki murakkab hayotiy vaziyatga tushgan fuqarolarning arizalarini ko\u02bbrib chiqish tizimi joriy qilingan bo\u02bblishi va bu haqda o\u02bbz veb-saytida e\u02bclon qilishi kerak.<\/p>\n<p dir=\"auto\">Bunda, kreditlarni restrukturizatsiya qilish, masalan, kredit to\u02bblovi muddatlarini uzaytirish, foizlarni qayta ko\u02bbrib chiqish, jumladan homiladorlik va tug\u02bbish ta\u02bctilidagi ayollarning kredit to\u02bblovi muddatlarini o\u02bbn oygacha uzaytirish bo\u02bbyicha arizalarni ko\u02bbrib chiqish nazarda tutilishi kerak.<\/p>\n<p dir=\"auto\">Mazkur hujjat rasmiy e\u02bclon qilingan kundan e\u02bctiboran uch oydan keyin kuchga kiradi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Davlat tomonidan beriladigan ijtimoiy nafaqa va yordam pullari, jumladan ijtimoiy kartalarga kelib tushadigan pullarni kredit qarzdorligi uchun undirish taqiqlanadi.<\/p>\n","protected":false},"author":23,"featured_media":35731,"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\/10\/6901945c48934.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":35731,"7B0ecgVieEAP":"\u0418\u0436\u0442\u0438\u043c\u043e\u0438\u0439 \u043d\u0430\u0444\u0430\u049b\u0430 \u0432\u0430 \u0451\u0440\u0434\u0430\u043c \u043f\u0443\u043b\u043b\u0430\u0440\u0438\u0434\u0430\u043d \u043a\u0440\u0435\u0434\u0438\u0442 \u049b\u0430\u0440\u0437\u0438\u043d\u0438 \u0443\u043d\u0434\u0438\u0440\u0438\u0448 \u0442\u0430\u049b\u0438\u049b\u043b\u0430\u043d\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\/35730"}],"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=35730"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/35730\/revisions"}],"predecessor-version":[{"id":35732,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/35730\/revisions\/35732"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/35731"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=35730"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=35730"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=35730"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=35730"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}