{"id":8609,"date":"2025-03-19T18:36:23","date_gmt":"2025-03-19T13:36:23","guid":{"rendered":"https:\/\/biznesreport.uz\/?p=8609"},"modified":"2025-03-19T18:46:19","modified_gmt":"2025-03-19T13:46:19","slug":"toshkentda-ijarada-yashash-yoki-uy-sotib-olish-qaysi-biri-arzonroq","status":"publish","type":"post","link":"https:\/\/biznesreport.uz\/index.php\/2025\/03\/19\/toshkentda-ijarada-yashash-yoki-uy-sotib-olish-qaysi-biri-arzonroq\/","title":{"rendered":"Toshkentda ijarada yashash yoki uy sotib olish: qaysi biri arzonroq?"},"content":{"rendered":"\n

So\u2018nggi 10 yil ichida Toshkent shahridagi ko\u2018chmas mulk bozorida sezilarli o\u2018zgarishlar kuzatilmoqda. O\u2018zbekistonda uy-joy qurilishining keskin rivojlanishi va taklifning oshishi natijasida uy sotib olish hamda ijarada yashash o\u2018rtasidagi iqtisodiy farqlar qayta o’rganilmoqda. <\/p>\n\n\n\n

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\"\"<\/figure>\n<\/figure>\n\n\n\n

2025-yil 1-yanvar holatiga ko\u2018ra<\/a>, Toshkent shahrida o\u2018rtacha kvartira narxi 11,2 yillik ijara to\u2018loviga teng deb hisoblanmoqda. Bu ko\u2018rsatkich uy sotib olish uzoq muddatli ijaraga qaraganda afzalroq variant ekanligini anglatadi.<\/p>\n\n\n\n

Uy-joy bozori va talab-taklif tendensiyalari<\/strong><\/h2>\n\n\n\n

Milliy statistika qo\u2018mitasining ma\u2019lumotlariga ko\u2018ra, 2017-yildan boshlab uy-joy qurilish sur\u2019ati keskin oshib, 2010\u20132016 yillarda kvartira soni 400 ming donadan<\/strong> o\u2018sib, oxirgi 7 yilda bu ko\u2018rsatkich 1,65 millionga yetgan<\/strong>. 2024-yilga kelib, 100 mingdan ortiq<\/strong> xonadonga ega ko\u2018p qavatli uylar qurilib, umumiy uy-joy soni 7,6 millionga<\/strong> etgan. <\/p>\n\n\n\n

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\"\"<\/figure>\n<\/figure>\n\n\n\n

Shuningdek, 2012\u20132017 yillarda yillik o\u2018rtacha 11 million kvadrat metr turar-joy topshirilib, 2018\u20132023 yillarda bu ko\u2018rsatkich 14 million kvadrat metrgacha ko\u2018tarilgan. Natijada, aholining uy-joy bilan ta\u2019minlanganlik darajasi 2017-yilda 15,7 kv.m.dan<\/strong> 2024 yilda 18,9 kv.m.gacha<\/strong> oshgan<\/a>.<\/p>\n\n\n\n

Uy-joyga bo\u2018lgan talab ham shu davr mobaynida o\u2018sib bordi. 2019\u20132021 yillarda uy-joy bozoridagi faollik sezilarli darajada oshgan bo\u2018lsa, 2022-yildan boshlab bu faoliyat barqarorlashish fazasiga o\u2018ta boshladi. 2019\u20132021 yillarda kvartira sotib olish bo\u2018yicha bitimlar soni har yili 10% dan yuqori<\/strong> o\u2018sgan, ammo 2022-yilda bu o\u2018sish 3,8% ga<\/strong> va 2023-yilda 5,7% ga<\/strong> tushgan.<\/p>\n\n\n\n

Narx-ijara nisbati qanday?<\/strong><\/h2>\n\n\n\n

Toshkent shahrida uy narxlarini ijaraga nisbatan baholashda narx-ijara nisbati muhim ko\u2018rsatkich bo\u2018lib, 2025 yil 1-yanvar holatiga ko\u2019ra kvartira narxi 11,2 yillik ijara haqiga teng<\/strong> deb aniqlangan<\/a>. Bu degani, agar siz hozir uy sotib olish uchun to\u2018lanadigan summani yil davomida ijara haqiga ajratsangiz, u holda 11,2 yil ichida ijara to\u2018lovlari uy narxiga teng bo\u2018ladi.<\/p>\n\n\n\n

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\"\"<\/figure>\n<\/figure>\n\n\n\n

Iqtisodchilar fikriga ko\u2018ra, agar narx-ijara nisbati 16 yilgacha<\/strong> bo\u2018lsa, uy sotib olish ijaraga qaraganda afzal; 16\u201321 yil oralig\u2018ida<\/strong> xarid va ijara to\u2018lovi deyarli bir xil<\/strong>; 21 yildan yuqori<\/strong> bo\u2018lsa, ijara uy sotib olishdan ko\u2018ra afzal variant<\/strong> deb hisoblanadi. <\/p>\n\n\n\n

Hozirgi holatda Toshkentda bu nisbat 11,2 yil<\/strong> ekanligi uy sotib olishni ijaradan arzonroq va iqtisodiy jihatdan maqbulroq <\/strong>variantga aylantiradi.<\/p>\n\n\n\n

Bozorning boshqa ko\u2018rsatkichlari<\/strong><\/h2>\n\n\n\n

Uy-joy bozorida faqat narxlar emas, balki uy sotib olish qobiliyati ham muhim o\u2018lchovdir. Markaz hisob-kitoblariga ko\u2018ra<\/a>, uy-joy xarid qobiliyati \u2013 ya\u2019ni, shaxsning o\u2018rtacha daromadiga nisbatan uy sotib olish uchun kerak bo\u2018lgan yillar soni \u2013 ayrim hududlarda sezilarli farq qiladi. Masalan, Toshkent shahrida<\/strong> bu ko\u2018rsatkich 14,9 yilni<\/strong> tashkil etsa, boshqa viloyatlarda (Masalan, Qoraqalpog\u2018iston<\/strong> yoki Qashqadaryo<\/strong>) bu raqam 7,3\u20138,4 yil<\/strong> atrofida bo\u2018lishi mumkin.<\/p>\n\n\n\n

\n
\"\"<\/figure>\n<\/figure>\n\n\n\n

Shuningdek, 2024-yil davomida uy-joy bitimlarida pasayish kuzatilgani va ijara to\u2018lovlarining 2023-yil oktabridan 2024-yil dekabrga qadar pasayib borishi \u2013 bu holatlar bozor faoliyatining barqarorlashayotganini ko\u2018rsatadi. <\/p>\n\n\n\n

\n
\"\"<\/figure>\n<\/figure>\n\n\n\n

Ipoteka kreditlari ham uy-joyga bo\u2018lgan talabni qo\u2018llab-quvvatlaydigan asosiy omil bo\u2018lib, 2017\u20132024 yillard<\/strong>a kreditlash hajmi 4,3 baravar<\/strong>, kreditlar qoldig’i<\/strong> esa 7 baravarga ko\u2018paygan.<\/strong><\/p>\n\n\n\n

Toshkent shahrida uy sotib olish va ijarada yashash o\u2018rtasidagi tanlov shaxsiy moliyaviy imkoniyatlar, yashash rejalari va investitsiya maqsadlariga bog\u2018liq bo\u2018lsa-da, 2025-yil 1-yanvar holatiga ko\u2018ra uy narxlari va ijara haqlari o\u2018rtasidagi nisbat 11,2 yilga tengligi sababli uy sotib olish uzoq muddatli ijaraga qaraganda arzonroq variant sifatida ko\u2018rinmoqda. Biroq, agar tez-tez ko\u2018chib yurish yoki boshlang\u2018ich katta mablag\u2018 ajratish imkoniyati bo\u2018lmasa, ijarada yashash ham o\u2018z o\u2018rnida qulay bo\u2018lib qolishi mumkin.<\/p>\n\n\n\n

Mahliyo Hamid<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

So\u2018nggi 10 yil ichida Toshkent shahridagi ko\u2018chmas mulk bozorida sezilarli o\u2018zgarishlar kuzatilmoqda. O\u2018zbekistonda uy-joy qurilishining keskin rivojlanishi va taklifning oshishi natijasida uy sotib olish hamda ijarada yashash o\u2018rtasidagi iqtisodiy farqlar qayta o’rganilmoqda. 2025-yil 1-yanvar holatiga ko\u2018ra, Toshkent shahrida o\u2018rtacha kvartira narxi 11,2 yillik ijara to\u2018loviga teng deb hisoblanmoqda. Bu ko\u2018rsatkich uy sotib olish uzoq muddatli…<\/p>\n","protected":false},"author":1,"featured_media":8610,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,18,1,5],"tags":[556,558,554],"class_list":["post-8609","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-b-report","category-biznes-data","category-umumiy","category-yangiliklar-uz","tag-ijara","tag-ipoteka","tag-uyjoy"],"yoast_head":"\nToshkentda ijarada yashash yoki uy sotib olish: qaysi biri arzonroq? - Biznesreport<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/biznesreport.uz\/index.php\/2025\/03\/19\/toshkentda-ijarada-yashash-yoki-uy-sotib-olish-qaysi-biri-arzonroq\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Toshkentda ijarada yashash yoki uy sotib olish: qaysi biri arzonroq? - Biznesreport\" \/>\n<meta property=\"og:description\" content=\"So\u2018nggi 10 yil ichida Toshkent shahridagi ko\u2018chmas mulk bozorida sezilarli o\u2018zgarishlar kuzatilmoqda. 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O\u2018zbekistonda uy-joy qurilishining keskin rivojlanishi va taklifning oshishi natijasida uy sotib olish hamda ijarada yashash o\u2018rtasidagi iqtisodiy farqlar qayta o’rganilmoqda. 2025-yil 1-yanvar holatiga ko\u2018ra, Toshkent shahrida o\u2018rtacha kvartira narxi 11,2 yillik ijara to\u2018loviga teng deb hisoblanmoqda. 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