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O'zbekiston banklari kichik biznes va xususiy tadbirkorlik sub'ektlarini kredit bilan qo'llab-quvvatlashga 5,1 trillion so'm miqdordagi kreditlarni ajratadi

06.12.2012 2718

   2012 yilning 5 dekabr kuni Toshkent shahrida O‘zbekiston Respublikasi Oliy Majlisi Senatining o‘ninchi yalpi majlisi ochildi. Unda Vazirlar Mahkamasining taklif etilgan a’zolari, vazirlik va idoralarning rahbarlari, boshqa tashkilotlar, ommaviy axborot vositalarining vakillari hozir bo‘ldilar. Majlisni Oliy Majlis Senatining Raisi I.Sobirov olib bordi.
  Yig’ilish ishida senatorlar O‘zbekiston Respublikasi Vazirlar Mahkamasi tomonidan hududlar va iqtisodiyot tarmoqlarining salohiyatini ishga solish, nufus omillarini hamda iqtisodiyotdagi tuzilmaviy o‘zgarishlarni hisobga olgan holda mehnat resurslaridan oqilona foydalanish, ish bilan bandlikning samarali shakllarini rivojlantirishga har tomonlama ko‘maklashish, fuqarolarning tadbirkorlik tashabbuslarini rag‘batlantirish yo‘li bilan aholi bandligini ta’minlash bo‘yicha kompleks va o‘zaro bir-biri bilan bog‘liq chora-tadbirlarni amalga oshirish maqsadida ishlab chiqilgan 2013-yilda ish o‘rinlari tashkil etish va aholi bandligini ta’minlash dasturini ko‘rib chiqdilar hamda ma’qulladilar.
  Qayd etilishicha dastur Mamlakatimizda demokratik islohotlarni yanada chuqurlashtirish va fuqarolik jamiyatini rivojlantirish konsepsiyasini, 2009-2012-yillarga mo‘ljallangan Inqirozga qarshi choralar dasturini, mehnat bozorining joriy hamda istiqboldagi ehtiyojlarini hisobga olgan holda ishlab chiqilgan. Dasturning o‘ziga xos xususiyatlaridan biri shuki, u ishlab chiqarishni modernizatsiya qilish, texnik va texnologik jihatdan yangilash, aholining kam ta’minlangan qatlamlarini ishga joylashtirish, ularni kasbga qayta tayyorlash va ijtimoiy himoya qilish borasida faol va aniq maqsadga qaratilgan chora-tadbirlarni amalga oshirishga doir tarmoq dasturlarini hisobga olgan holda viloyatlar, tumanlar va shaharlar bo‘yicha alohida-alohida ishlab chiqilgan.
  Dasturda 2013-yilda 972,7 mingta ish o‘rni tashkil etish nazarda tutilmoqda. Bu ish o‘rinlari yangi yirik sanoat ob’ektlarini ishga tushirish, ishlab turgan korxonalarni rekonstruksiya qilish va kengaytirish, kichik biznes, xususiy va oilaviy tadbirkorlikni, xizmat ko‘rsatish hamda servis sohalarini rivojlantirishni bundan buyon ham rag‘batlantirish, kasanachilik mehnatini kuchaytirish hisobiga tashkil etiladi. Kasanachilik sohasida ish o‘rinlarining katta qismi milliy hunarmandchilikning an’anaviy markazlari – Namangan, Farg‘ona, Andijon, Samarqand, Buxoro viloyatlarida tashkil etiladi.
  Dasturda olisda joylashgan, shuningdek, ishlab chiqarish va ijtimoiy soha yetarli darajada rivojlanmagan, ishsizlik darajasi nisbatan yuqori bo‘lgan tog‘li, chegaraga yaqin 28 ta hududda ish o‘rinlari tashkil etishga alohida e’tibor beriladi. 2013-yilda bu hududlarda kamida 126 mingta yoki 2012-yildagidan besh foiz ko‘p ish o‘rni tashkil etish nazarda tutilmoqda. Dasturning yana bir ustuvor jihati fuqarolarning ijtimoiy jihatdan kam ta’minlangan toifalarini ishga joylashtirishdan iborat. Nogironlar hamda mehnat bozorida qiyinchilikka duch kelayotgan boshqa shaxslar uchun kamida 100 mingta ish o‘rnini zaxiralash (kvotalash) belgilangan.
  Dasturda ta’lim muassasalarining bitiruvchilarini ishga joylashtirishga muhim o‘rin ajratilgan. Bo‘sh va zaxiralanadigan ish o‘rinlari hisobiga kasb-hunar kollejlarining 500 mingdan ziyod bitiruvchisini ishga joylashtirish mo‘ljallangan. Shu maqsadda “kollej – korxona” tizimi bo‘yicha kasb-hunar kollejlariga iqtisodiyotning turli tarmoqlaridagi 90 mingdan ziyod korxona va tashkilot biriktirib qo‘yiladi, bitiruvchilarning ish qidirishga sarflaydigan vaqtini qisqartirish uchun esa barcha yirik shaharlar va tumanlarda kamida 900 ta bo‘sh ish o‘rinlari yarmarkasi o‘tkaziladi. Bundan tashqari, tijorat banklari tomonidan kasb-hunar kollejlari va oliy o‘quv yurtlarining bitiruvchilariga o‘z tadbirkorlik ishini tashkil etishi hamda yo‘lga qo‘yishi uchun imtiyozli mikrokreditlar ajratishni davom ettirish nazarda tutilmoqda.
  Kichik biznes va xususiy tadbirkorlik sub’ektlarini kredit bilan salmoqli ravishda qo‘llab-quvvatlash maqsadida tijorat banklari tomonidan 5,1 trillion so‘m miqdorida kreditlar ajratish ko‘zda tutilmoqda. Bu kredit mablag‘lari, asosan, olis qishloq tumanlarida va mehnat bozorida vaziyat keskin bo‘lgan hududlarda ish o‘rinlari tashkil etishni nazarda tutuvchi loyihalarni moliyalashtirishga yo‘naltiriladi.
  Senatorlarning fikricha, ko‘rib chiqilayotgan Dastur fuqarolarning ishbilarmonlik faolligini bundan buyon ham rag‘batlantirishni, parrandachilik, baliqchilik, asalarichilikka, qishloq xo‘jaligi va meva-sabzavot mahsulotlarini qayta ishlash hamda saqlashga, issiqxona xo‘jaliklarini tashkil etishga ixtisoslashgan fermer va dehqon xo‘jaliklarini, shuningdek, ishlab chiqarish va ijtimoiy infratuzilmani rivojlantirish va kengaytirishni hamda boshqalarni nazarda tutad.

UzReport 06.12.2012




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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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