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O'zbekistonda yosh oilalarni ijtimoiy qo'llab-quvvatlash bo'yicha qo'shimcha chora-tadbirlar qabul qilindi

10.05.2012 8232

O'zbekiston Respublikasi Vazirlar Maqkamasi tomonidan 2012 yil 30 aperl kuni 124–sonli 'Yosh oilalarni ijtimoiy qo'llab-quvvatlashga doir qo'shimcha chora-tadbirlar to'g'risida' Qaror qabul qilindi. Qaror yosh oilalarga ijtimoiy-iqtisodiy muammolarni hal qilishda amaliy yordam ko'rsatishni ko'zlaydi.
Hujjatda qayd etilishicha, keyingi uch yilda ipoteka kreditlari berish hisobiga yosh oilalar uchun umumiy summasi 355,4 mlrd so'mlik 9 360 ta kvartira qurildi. Qishloq joylarda Davlat budjeti va Osiyo taraqqiyot bankining mablag'lari hisobiga moliyalashtiriladigan namunaviy loyihalar bo'yicha qishloqda uy-joy ipoteka qurilishi dasturlari doirasida aholining, birinchi navbatda yosh oilalarning uy-joy sharoitlari yaxshilanmoqda.
Shu bilan birgalikda shaharlar, tumanlar va shahar posyolkalarida yashovchi yosh oilalar uchun uy-joy qurilishi dasturini kengaytirish talab etiladi. Shunga muvofiq 2012-2013 yillarda shaharlar, tuman markazlari va shahar posyolkalarida ko'p kvartirali uylarni qurish va rekonstruksiya qilish dasturi tasdiqlandi. Shu davr mobaynida respublika bo'ylab 100 ta uy-joy va 4800 ta xonadon quriladi va rekonstruksiya qilinadi. Yangi qurilishni moliyalashtirish, mavjud foydalanilmayotgan va qurilishi tugallanmagan ko'p kvartirali uylarni rekonstruksiya qilish, keyinchalik ko'rsatib o'tilgan uylardagi kvartiralarni ehtiyojmand yosh oilalarga ipoteka krediti berish shartlarida sotgan holda, tijorat banklarining o'z mablag'lari hisobiga amalga oshiriladi.
Ipoteka krediti berish shartlarida uy-joy olishga ehtiyojmand yosh oilalarni tanlash Qoraqalpog'iston Respublikasi Vazirlar Kengashi, viloyatlar va Toshkent shahar hokimliklari tomonidan tashkil etiladigan namunaviy tarkibdagi ipoteka krediti berish shartlarida uy-joy sotib olishga ehtiyojmand yosh oilalarni tanlash bo'yicha komissiya tomonidan amalga oshiriladi.
Hujjat bilan, shuningdek kvartiralar umumiy qiymatining 75 foizidan ortiq bo'lmagan miqdordagi ipoteka kreditlari ehtiyojmand yosh oilalarga hududiy komissiyalarning tavsiyalari asosida uy-joy qiymatining kamida 25 foizi miqdoridagi dastlabki badal ariza beruvchilar tomonidan maxsus hisob raqamiga o'tkazilgandan keyin 15 yil muddatga, O'zbekiston Respublikasi Markaziy bankining qayta moliyalashtirish stavkasidan ko'p bo'lmagan foiz stavkasi bo'yicha uch yillik imtiyozli davr bilan berilish tartibi o'rnatilgan.
Imtiyozli davr mobaynida boshlang'ich badalning 25 foizini, ajratilgan ipoteka krediti bo'yicha hisoblab yozilgan foizlarni to'lash, shuningdek oila a'zolaridan biri 'Mehribonlik' uylarida tarbiyalanib chiqqan va birkitilgan turar joyga ega bo'lmagan yosh oilalar uchun mamlakatimizda ishlab chiqarilgan yotoqxona mebeli to'plamini sotib olish, belgilangan tartibda, maqsadli transfertlar ajratish yo'li bilan Qoraqalpog'iston Respublikasi Vazirlar Kengashi, viloyatlar va Toshkent shahar hokimliklari tomonidan amalga oshiriladi.
Bundan tashqari, yosh oilalarga mamlakatimizda ishlab chiqarilgan, uzoq muddat foydalaniladigan tovarlarni, shu jumladan mebellar, maishiy texnika va uzoq muddat foydalaniladigan boshqa hayotiy muhim tovarlarni sotib olish uchun kreditlar berish O'zbekiston Respublikasi Markaziy bankining qayta moliyalashtirish stavkasidan ko'p bo'lmagan foiz stavkasi bo'yicha, 3 yilgacha bo'lgan muddatga eng kam oylik ish haqining 200 baravarigacha miqdorda amalga oshiriladi. 'Mehribonlik' uylarining 30 yoshgacha bo'lgan, birinchi marta nikohga kirayotgan barcha bitiruvchilariga esa yosh oila tashkil etilishi munosabati bilan to'y sovg'asini - mahalliy budjetlar va xayr-ehson qiluvchilarning mablag'lari hisobiga sotib olinadigan, mamlakatimizning o'zida ishlab chiqarilgan yotoqxona mebeli to'plamini doimiy asos berish ko'zlangan.

 

UzReport 08.05.2012

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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.

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