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Milliy bank va Xitoy davlat taraqqiyot banki 500 million Xitoy yuaniga shartnoma imzoladi

28.08.2019 4241

             nbulogo1_251x222.jpg                   image_2019-08-27_16-12-41.png

2019 yil 26 avgust kuni Pekinda (XXR) O‘zbekiston-Xitoy hukumatlararo hamkorlik qo‘mitasining beshinchi yig‘ilishi doirasida O‘zbekiston Respublikasi Tashqi iqtisodiy faoliyat milliy banki (O‘zmilliybank) 500 million Xitoy yuanida kredit liniyasini jalb qilish uchun Xitoy Davlat taraqqiyot banki (XDTB) bilan kredit shartnomasini imzoladi. 

Ushbu shartnoma yettinchi kelishuv bo‘lib,  bu ikki bank o‘rtasida mustahkam o‘rnatilgan hamkorlikdan dalolat beradi. XDTB  bilan o‘zaro ishlash tajribasi O‘zbekiston Respublikasi iqtisodiyotining barcha sohalarida muhim investitsiya va infratuzilma loyihalarini amalga oshirish samaradorligini namoyish etadi. Shu bilan birga, Xitoy yuanida kredit bitimining imzolanishi Milliy bankning Xitoyning etakchi moliya instituti bilan hamkorlik tarixidagi birinchi bunday hujjatdir. 

Xitoy yuanida moliyalashtirishni jalb qilishning  asosiy afzalligi LIBOR stavkasidagi sakrashlarga bog‘liqlik yo'qligi. Bundan tashqari, yuandagi tashqi savdo shartnomalari bo‘yicha hisob-kitoblar boshqa davlatlarning valyutalarida to‘lovlarni amalga oshirishda valyuta konversiya qilish bilan bog‘liq xarajatlarni kamaytiradi. Xitoy yuanidagi kreditlar kursning o‘zgarishi bilan bog‘liq xatarlarni kamaytiradi, va Milliy bank mijozlariga uzoq muddatli moliyalashtirishda yanada qulay shart-sharoitlarni taqdim etadi. 

Shu bilan birga, ushbu kelishuv Xitoy yuanida yangi to‘lov usullaridan foydalanishni nazarda tutadi, shu bilan Xitoy yuanidagi to‘lovlar Xitoyga to‘g‘ridan-to‘g‘ri etkazib beruvchining hisobiga o‘tkaziladi, bu esa ikki mamlakat  va sheriklar o‘rtasidagi to‘lovlarni amalga oshirish vaqtini sezilarli darajada kamaytiradi. 

Moliyaviy hamkorlik to‘g‘risidagi shartnomaning imzolanishi ikki tomonlama munosabatlarga va ikki mamlakat o‘rtasidagi savdo-iqtisodiy aloqalarning rivojlanishiga yangi turtki beradi, shuningdek qulay shart-sharoitlarda kredit resurslarini jalb qilish imkoniyatini beradi. Bu esa O‘zbekistonda yangi yirik investitsiya imkoniyatlarini yaratadi.

Ma'lumot o‘rnida: Xitoy Davlat Taraqqiyot Banki (XDTB) 1994 yil mart oyida yirik sanoat tarmoqlarini, shu jumladan energetika va transportni rivojlantirishni  modernizatsiya va infratuzilmani rivojlantirishga yo'naltirilgan davlat loyihalarini moliyalashtirish uchun tashkil etilgan. Xitoy moliya institutining asosiy maqsadi iqtisodiiyot rivojlanishi va strategik tarkibiy o‘zgarishlarni qo‘llab-quvvatlab, markaziy hukumatning makroiqtisodiy siyosatini tartibga solish. XDTBning asosiy faoliyati uzoq muddatli kredit berish va obligatsiyalar chiqarishdir.


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License of the Central Bank of the Republic of Uzbekistan No. 22 dated Dec. 25, 2022
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Правила выдачи кредитов частным лицам
Определение кредитоспособности заемщика
1.1. При выдаче кредита частному лицу банк проводит анализ кредитоспособности заемщика.
1.2. Кредитоспособность заемщика определяется на основании его финансовой и кредитной истории, а также текущей финансовой ситуации.
1.3. Для определения кредитоспособности могут быть использованы следующие критерии
Условия выдачи кредита
При выдаче кредита частному лицу банк устанавливает следующие условия:

  • сумма кредита;
  • процентная ставка;
  • срок погашения кредита;
  • график платежей

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To unblock the card, you must contact the bank branch where the card was opened  with your identity document.
SMS notification for the Uzcard card can be activated through an ATM. SMS notification for the Humo card is activated through the bank branch where the card was opened.
You can order all cards in national and foreign currency remotely using the Milliy App.
  • If you have forgotten your card PIN, please come with your identity document to the bank where the card was opened.
  • If you the card (UzCard/HUMO) is lost, you can block it yourself using the Milliy Bank App or call (78) 148-00 10 and ask the operators to block the card.
The identification procedure is carried out remotely, directly in the Milliy application itself. To do this, on the main screen in the application, click on the photo_2023-04-28_11-16-22.jpg icon in the upper left corner, and then select the “Identification” option from the menu and go through all its stages.
  • To change the phone number registered in the Milliy App, please come to the NBU branch which is convenient for you with your identity document.
  • An e-wallet is a system to store funds, as well as transfer money through an app to an account or bank card.
  • When you reset your password, you enter the "secret question answer"
Currently, the NBU offers the following international money transfers: Western Union, MoneyGram, KoronaPay, Asia Express, Contact, Unistream, Swift, as well as Sberbank.
Users of the Milliy Mobile App can receive transfers from Russia using the Sberbank Online service to an electronic wallet in national currency, to an UzCard or HUMO card of the NBU.

The transfer is made in rubles. Upon receipt on an electronic wallet or card, it is automatically converted into UZS. No additional fees are charged.
  • Visa Direct is a service for money transfer using the Milliy Mobile App to more than 50 countries of the world, including Visa cards of Uzbekistan banks.
  • identity document
  • MTCN or the tracking number
  • full name of remitter
  • country of remitter
  • expected amount of money
  • NBFAUZ2X
It is possible to remotely open, replenish and independently monitor the NBU's deposits using the Mobil App.
  • If you want to transfer the right to dispose of your deposit to a third party, you must execute a power of attorney certified through a notary office.
  • No, you don't. The online deposit can be closed through the app.
  • Capitalization is the addition of accrued interest to the principal amount of the deposit.
  • This is the deposit with no fixed withdrawal period and the depositor can withdraw the funds at any time.
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
The period of registration of the company at the time of filing the application must be more than 6 months.
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
- Constituent documents of the company (charter, registration certificate).
- Documents confirming the authority of the company's representatives.
- Vehicle Purchase Agreement.
- Documents confirming ownership of the collateral property (if a collateral is required).
- Professional Consultation and Support: Our specialists are always ready to provide professional consultation and support at all stages of the process, helping clients maximize the benefits of the offered loan products.
- Flexible Terms: Option to choose the optimal term and loan amount.
- Ease of Application: Minimal document requirements and a quick application review process.
- Business support: Financing that helps to renew the car fleet
The NBU aims to ensure a fast and efficient application review process. The average review period for an auto loan application for legal entities is 3 to 5 working days.
The collateral can be the new car being purchased.
The option to purchase new vehicles from official dealers.
Time for processing takes 1-3 days depending on the completeness of the documents submitted.
Various collateral, including real estate, motor vehicles, as well as sureties of individuals or legal entities are accepted.
Penalty-free early repayment of the loan is permitted
It's worth noting that insurance and collateral costs may be in addition to the principal interest for the loan. However, there are no hidden costs.
The period of registration of the company must exceed 1 year
Answer:
- Passports of founders, director, chief accountant;
- Order for Director’s appointment;
- Certificate of state registration;
- Decision of founders;
- Licenses;
- Cadastre file/ data sheet for the collateral;
- Photo of the collateral;
- Contract with the supplier;
- Copy of the rental agreement/ certificate
- Certificate of ownership for the premises used for business;

This list is not exhaustive for loan consideration and the consideration and Bank staff may request other information and documents regarding project concerned.

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