{"id":36242,"date":"2025-12-22T16:34:51","date_gmt":"2025-12-22T11:34:51","guid":{"rendered":"https:\/\/kommers.uz\/?p=36242"},"modified":"2025-12-22T16:34:51","modified_gmt":"2025-12-22T11:34:51","slug":"a%d2%b3oliga-istemol-krediti-va-mikro%d2%9barz-azhratish-b%d1%9ejicha-maksimal-mi%d2%9bdorlar-belgilandi","status":"publish","type":"post","link":"https:\/\/dinor.uz\/?p=36242","title":{"rendered":"Aholiga iste\u02bcmol krediti va mikroqarz ajratish bo\u02bbyicha maksimal miqdorlar belgilandi"},"content":{"rendered":"<p>Jismoniy shaxslar uchun mikroqarz va iste\u02bcmol kreditlarini olish mumkin bo\u02bblgan maksimal miqdorlar belgilandi. Bu haqdagi Markaziy bank qarori davlat ro\u02bbyxatidan <a href=\"https:\/\/lex.uz\/uz\/docs\/7929139\" target=\"_blank\" rel=\"noopener\">o\u02bbtkazildi<\/a>.<\/p>\n<p>Unga ko\u02bbra, banklarga o\u02bbrnatiladigan makroprudensial normativlarga qarz oluvchining <strong>iste\u02bcmol kreditlari va mikroqarzlari bo\u02bbyicha<\/strong> qarzning daromadga nisbati ko\u02bbrsatkichini hisoblash talabi qo\u02bbshildi.<\/p>\n<blockquote><p>2026 yil 1 martdan boshlab, agar qarz oluvchining (birgalikda qarz oluvchining) o\u02bbrtacha oylik daromadini aniqlash imkoniyati mavjud bo\u02bblsa, qarz miqdori daromadning 8 baravaridan, aniqlash imkoni bo\u02bblmasa \u2014 5 baravaridan oshmasligi kerak.<\/p><\/blockquote>\n<p>Masalan, qarz oluvchining <strong>o\u02bbrtacha oylik daromadi 5 mln so\u02bbmni tashkil etsa<\/strong>, u daromadining 8 baravari \u2014 40 mln so\u02bbmdan ortiq miqdorda iste\u02bcmol krediti yoki mikroqarz ololmaydi.<\/p>\n<p>Bu talab yakka tartibdagi tadbirkorlarga beriladigan kreditlar va ta\u02bclim kreditlariga nisbatan tatbiq etilmaydi. Qaror 2026 yilning 21 yanvaridan kuchga kiradi.<\/p>\n<p>Markaziy bank avgust oyida banklar 1,1 mln holatda keragidan ortiq darajada mikroqarz ajratganini bildirgan edi. Regulyatorning qayd etishicha, joriy yilning uch oyida fuqarolarga ko\u02bbrsatilganidan ko\u02bbp miqdorda kredit ajratilgan. Bunday agressiv kreditlash aholiga moliyaviy muammolarni keltirib chiqarmoqda.<\/p>\n<p>Oktabr oyida banklarga aholiga kredit ajratishda yangi talablar belgilandi. Endilikda banklar mijozlarga tavakkalchiliklar bo\u02bbyicha cheklist beradi, oldindan rozilik belgilarini o\u02bbrnatmaydi, kreditni nafaqa va yordam pullaridan undirmaydi hamda to\u02bblov jadvaliga qat\u02bciy amal qiladi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>1 martdan jismoniy shaxslarga beriladigan kreditlar miqdori o\u02bbrtacha oylik daromadga bog\u02bblanadi: tasdiqlansa \u2014 8 baravar, tasdiqlanmasa \u2014 5 baravardan oshmasligi kerak.<\/p>\n","protected":false},"author":23,"featured_media":9194,"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\/12\/69492cdbce2e0.jpg","width":1200,"height":630,"template":"26a28dfa","mode":"auto"},"_sharing_image_fieldset":{"xk6e44ialdzo":9194,"7B0ecgVieEAP":"\u0410\u04b3\u043e\u043b\u0438\u0433\u0430 \u0438\u0441\u0442\u0435\u044a\u043c\u043e\u043b \u043a\u0440\u0435\u0434\u0438\u0442\u0438 \u0432\u0430 \u043c\u0438\u043a\u0440\u043e\u049b\u0430\u0440\u0437 \u0430\u0436\u0440\u0430\u0442\u0438\u0448 \u0431\u045e\u0439\u0438\u0447\u0430 \u043c\u0430\u043a\u0441\u0438\u043c\u0430\u043b \u043c\u0438\u049b\u0434\u043e\u0440\u043b\u0430\u0440 \u0431\u0435\u043b\u0433\u0438\u043b\u0430\u043d\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\/36242"}],"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=36242"}],"version-history":[{"count":1,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/36242\/revisions"}],"predecessor-version":[{"id":36243,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/posts\/36242\/revisions\/36243"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=\/wp\/v2\/media\/9194"}],"wp:attachment":[{"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=36242"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=36242"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=36242"},{"taxonomy":"ptype","embeddable":true,"href":"https:\/\/dinor.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fptype&post=36242"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}