{"id":9234,"date":"2025-06-09T15:53:09","date_gmt":"2025-06-09T10:53:09","guid":{"rendered":"https:\/\/biznesreport.uz\/?p=9234"},"modified":"2025-06-09T15:53:10","modified_gmt":"2025-06-09T10:53:10","slug":"mehnatga-yaroqli-har-ming-aholining-224-nafarida-kredit-bor-markaziy-bank","status":"publish","type":"post","link":"https:\/\/biznesreport.uz\/index.php\/2025\/06\/09\/mehnatga-yaroqli-har-ming-aholining-224-nafarida-kredit-bor-markaziy-bank\/","title":{"rendered":"Mehnatga yaroqli har ming aholining 224 nafarida kredit bor \u2014 Markaziy bank"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"625\" src=\"https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/Ued_l54KGX2Cd78ifDhFOUcR_0x9Gkjv-e1749466330936-1024x625.jpg\" alt=\"\" class=\"wp-image-9237\" srcset=\"https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/Ued_l54KGX2Cd78ifDhFOUcR_0x9Gkjv-e1749466330936-1024x625.jpg 1024w, https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/Ued_l54KGX2Cd78ifDhFOUcR_0x9Gkjv-e1749466330936-300x183.jpg 300w, https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/Ued_l54KGX2Cd78ifDhFOUcR_0x9Gkjv-e1749466330936-768x469.jpg 768w, https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/Ued_l54KGX2Cd78ifDhFOUcR_0x9Gkjv-e1749466330936.jpg 1212w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">O\u2018zbekistonda bankdan qarzi mavjud aholi ko\u2018lami ortib bormoqda. Bu haqda Markaziy bankning navbatdagi sharhida so\u2018z\u00a0<a href=\"https:\/\/cbu.uz\/upload\/medialibrary\/603\/w5we7vth8drvdskk2hdq96rt10j1ro44\/Moliyaviy-bar_arorlik-shar_i.pdf\">bordi<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cKrediti borlar ko\u2018paymoqda\u201d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Markaziy bank hisob-kitoblariga ko\u2018ra, o\u2018tgan yili banklardan kredit olgan jismoniy shaxslar soni&nbsp;<strong>4,7 mln kishini<\/strong>&nbsp;tashkil etgan. Bu 2023-yildagidan&nbsp;<strong>18 foizga ko\u2018p<\/strong>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201c2024-yil yakunida har&nbsp;<strong>ming kishiga&nbsp;<\/strong>banklar oldida qarz majburiyati mavjud&nbsp;<strong>224 nafar&nbsp;<\/strong>mehnatga layoqatli yoshdagi doimiy aholi to\u2018g\u2018ri kelib, 2023-yilga nisbatan&nbsp;<strong>31 kishig<\/strong>a ortgan\u201d, deyiladi sharhda.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Taqqoslash uchun, 2020-yil boshida har ming kishidan&nbsp;<strong>100 nafardan<\/strong>&nbsp;ko\u2018prog\u2018ida bankdan qarz bor edi.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"816\" height=\"500\" src=\"https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/image-3.png\" alt=\"\" class=\"wp-image-9236\" srcset=\"https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/image-3.png 816w, https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/image-3-300x184.png 300w, https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/image-3-768x471.png 768w\" sizes=\"auto, (max-width: 816px) 100vw, 816px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kreditlarning to\u2018rtdan biri mikroqarz<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2025-yil 1-yanvar holatiga ko\u2018ra, banklardan mikroqarz (kichik miqdordagi kreditlar) olganlar soni&nbsp;<strong>2,3 mln kishiga&nbsp;<\/strong>yetgan (2024-yil 1-yanvaridagidan&nbsp;<strong>37 foiz ko\u2018p<\/strong>). Banklardan jismoniy shaxslar olgan jami kreditlarning&nbsp;<strong>24 foizi&nbsp;<\/strong>mikroqarzlar hisoblanib, ularning miqdori&nbsp;<strong>42,4 trln so\u2018mga<\/strong>&nbsp;teng bo\u2018lgan.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201c2024-yil yakunida muammoli kreditlarning mikroqarzlar tarkibidagi ulushi&nbsp;<strong>4 foizni&nbsp;<\/strong>tashkil etdi. Bu 2023-yildagidan&nbsp;<strong>2 foizga ko\u2018p<\/strong>. Mikroqarzlar bo\u2018yicha muammoli kreditlarning&nbsp;<strong>53 foizi<\/strong>&nbsp;qoniqarsiz,&nbsp;<strong>16 foizi<\/strong>&nbsp;esa umidsiz kreditlardir\u201d, deyiladi sharhda.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">2024-yil davomida aholiga ajratilgan avtokreditlar qoldig\u2018i 6 foizga kamaydi, mikroqarzlar qoldig\u2018i esa&nbsp;<strong>73 foizga<\/strong>&nbsp;ortdi.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201cMikroqarzlar ajratishda aniq maqsad va garov ta\u02bcminotining talab etilmasligi natijasida qarzdorlarning o\u2018z majburiyatlarini bajara olmasligi banklarda kredit yo\u2018qotish xavfini oshiradi\u201d, deya xavotir bildirgan Markaziy bank.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">O\u2018tgan yili ipoteka kreditlari qoldig\u2018i&nbsp;<strong>67,7 trln so\u2018mni<\/strong>&nbsp;tashkil etib, 2023-yil yakuniga nisbatan&nbsp;<strong>16 foizga<\/strong>&nbsp;o\u2018sgan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Aholi nega kredit olmoqda?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2025-yil yanvarda Markaziy bank maxsus so\u2018rov o\u2018tkazib, aholining nima maqsadlarda qarz olayotganini aniqladi. So\u2018rovda qatnashganlarning&nbsp;<strong>73 foizi<\/strong>&nbsp;o\u2018zi yoki oila a\u02bczolaridan biri bankdan kredit olgani yoki bankdan tashqari qarzdorligi mavjudligini aytgan. Ishtirokchilardan&nbsp;<strong>64 foizi<\/strong>&nbsp;banklardan qarz majburiyatlari borligini ma\u02bclum qilgan.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201cRespondentlarning&nbsp;<strong>43 foizi&nbsp;<\/strong>qarz mablag\u2018larini uy-joy sotib olish yoki ta\u02bcmirlash hamda avtomobil xarid qilishga yo\u2018naltirgan\u201d, deya qayd etgan Markaziy bank.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">So\u2018rovda ishtirok etganlardan&nbsp;<strong>70 foizi<\/strong>&nbsp;bank va bankdan tashqari jami qarzlari bo\u2018yicha oylik to\u2018lov miqdori&nbsp;<strong>6 mln so\u2018mdan&nbsp;<\/strong>kamligini aytgan. Qarz majburiyatiga ega respondentlarning to\u2018rtdan bir qismida oylik to\u2018lov miqdori&nbsp;<strong>2\u20134 mln so\u2018m<\/strong>&nbsp;oralig\u2018iga to\u2018g\u2018ri kelmoqda. Respondentlarning&nbsp;<strong>55 foizi<\/strong>&nbsp;qarz majburiyatlari bo\u2018yicha&nbsp;<strong>2\u20133 yil, 5 yil va undan ortiq&nbsp;<\/strong>muddatli to\u2018lovlar qolayotganini ta\u02bckidlagan.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201cRespondentlarning\u00a0<strong>64 foizi\u00a0<\/strong>qarz majburiyatlarini o\u2018z vaqtida to\u2018lashda qiyinchiliklarga duch kelmoqda\u201d, \u2014 deb yozadi regulyator.<\/p>\n<\/blockquote>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">So\u2018rovda qatnashganlarning<strong>&nbsp;20 foizi&nbsp;<\/strong>o\u2018zi yoki oila a\u02bczolari tomonidan keyingi yarim yil davomida qarzga ehtiyoj borligini qayd etgan. Mazkur qarz majburiyatlari asosan&nbsp;<strong>uy-joy sotib olish yoki ta\u02bcmirlash<\/strong>&nbsp;maqsadida jalb qilinishi rejalashtirilgan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Xavotirli qarz yuki<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tahlil qilinishicha, 2024-yilda mamlakatda kredit olgan fuqarolarning o\u2018rtacha qarz yuki (daromadning qanchasi qarz to\u2018lashga ketishi)&nbsp;<strong>34 foizni&nbsp;<\/strong>tashkil etgan.&nbsp;<strong>Bankdan jami kredit olganlarning 40 foizi oylik daromadining 50 foizidan ortig\u2018ini kredit to\u2018lashga sarflaydi.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Qarz yuki&nbsp;<strong>26\u201350 foiz<\/strong>&nbsp;oralig\u2018ida bo\u2018lgan aholining kreditlari umumiy qarzlarning&nbsp;<strong>42 foizini<\/strong>&nbsp;tashkil etgan. Qarzdorlarning&nbsp;<strong>12 foizida<\/strong>&nbsp;qarz yuki&nbsp;<strong>100 foizdan ortiq,<\/strong>&nbsp;ya\u02bcni ularning butun daromadi qarz to\u2018lashga ketadi. Bunday holda kredit qaytarilmaslik xavfi juda yuqori.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201cIpoteka krediti olgan jismoniy shaxslarning beshdan bir qismi daromadlarining asosiy qismini qarz to\u2018lashga sarflamoqda. 2024-yilda ipoteka qarz oluvchilarning&nbsp;<strong>21 foizida qarz yuki 100 foizdan yuqori bo\u2018lgan<\/strong>,&nbsp;<strong>39 foizida 50 foizdan<\/strong>&nbsp;past bo\u2018lgan. Ipoteka krediti olgan barcha jismoniy shaxslarning o\u2018rtacha qarz yuki&nbsp;<strong>65 foizga<\/strong>&nbsp;to\u2018g\u2018ri kelgan\u201d, deya qayd etgan Markaziy bank.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Sharhlanishicha, 2024-yilda avtokredit olgan fuqarolarning qarz yuki o\u2018rtacha\u00a0<strong>61 foizni<\/strong>\u00a0tashkil etgan. Ikkinchi yarim yillikda bu ko\u2018rsatkich pasaygan va 50 foizdan yuqori qarzdorlar ulushi\u00a0<strong>40 foizga<\/strong>\u00a0tushgan.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O\u2018zbekistonda bankdan qarzi mavjud aholi ko\u2018lami ortib bormoqda. Bu haqda Markaziy bankning navbatdagi sharhida so\u2018z\u00a0bordi. \u201cKrediti borlar ko\u2018paymoqda\u201d Markaziy bank hisob-kitoblariga ko\u2018ra, o\u2018tgan yili banklardan kredit olgan jismoniy shaxslar soni&nbsp;4,7 mln kishini&nbsp;tashkil etgan. Bu 2023-yildagidan&nbsp;18 foizga ko\u2018p. \u201c2024-yil yakunida har&nbsp;ming kishiga&nbsp;banklar oldida qarz majburiyati mavjud&nbsp;224 nafar&nbsp;mehnatga layoqatli yoshdagi doimiy aholi to\u2018g\u2018ri kelib, 2023-yilga nisbatan&nbsp;31 kishiga&#8230;<\/p>\n","protected":false},"author":1,"featured_media":9237,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-9234","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-moliya"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mehnatga yaroqli har ming aholining 224 nafarida kredit bor \u2014 Markaziy bank - 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\/06\/09\/mehnatga-yaroqli-har-ming-aholining-224-nafarida-kredit-bor-markaziy-bank\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mehnatga yaroqli har ming aholining 224 nafarida kredit bor \u2014 Markaziy bank - Biznesreport\" \/>\n<meta property=\"og:description\" content=\"O\u2018zbekistonda bankdan qarzi mavjud aholi ko\u2018lami ortib bormoqda. 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Bu haqda Markaziy bankning navbatdagi sharhida so\u2018z\u00a0bordi. \u201cKrediti borlar ko\u2018paymoqda\u201d Markaziy bank hisob-kitoblariga ko\u2018ra, o\u2018tgan yili banklardan kredit olgan jismoniy shaxslar soni&nbsp;4,7 mln kishini&nbsp;tashkil etgan. Bu 2023-yildagidan&nbsp;18 foizga ko\u2018p. \u201c2024-yil yakunida har&nbsp;ming kishiga&nbsp;banklar oldida qarz majburiyati mavjud&nbsp;224 nafar&nbsp;mehnatga layoqatli yoshdagi doimiy aholi to\u2018g\u2018ri kelib, 2023-yilga nisbatan&nbsp;31 kishiga...","og_url":"https:\/\/biznesreport.uz\/index.php\/2025\/06\/09\/mehnatga-yaroqli-har-ming-aholining-224-nafarida-kredit-bor-markaziy-bank\/","og_site_name":"Biznesreport","article_published_time":"2025-06-09T10:53:09+00:00","article_modified_time":"2025-06-09T10:53:10+00:00","og_image":[{"width":1212,"height":740,"url":"https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/Ued_l54KGX2Cd78ifDhFOUcR_0x9Gkjv-e1749466330936.jpg","type":"image\/jpeg"}],"author":"biznesreport","twitter_card":"summary_large_image","twitter_misc":{"Written by":"biznesreport","Est. reading time":"3 daqiqa"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/biznesreport.uz\/index.php\/2025\/06\/09\/mehnatga-yaroqli-har-ming-aholining-224-nafarida-kredit-bor-markaziy-bank\/#article","isPartOf":{"@id":"https:\/\/biznesreport.uz\/index.php\/2025\/06\/09\/mehnatga-yaroqli-har-ming-aholining-224-nafarida-kredit-bor-markaziy-bank\/"},"author":{"name":"biznesreport","@id":"https:\/\/biznesreport.uz\/#\/schema\/person\/2044e3e4ccc0ef26d2c719d5e8d098d9"},"headline":"Mehnatga yaroqli har ming aholining 224 nafarida kredit bor \u2014 Markaziy bank","datePublished":"2025-06-09T10:53:09+00:00","dateModified":"2025-06-09T10:53:10+00:00","mainEntityOfPage":{"@id":"https:\/\/biznesreport.uz\/index.php\/2025\/06\/09\/mehnatga-yaroqli-har-ming-aholining-224-nafarida-kredit-bor-markaziy-bank\/"},"wordCount":623,"publisher":{"@id":"https:\/\/biznesreport.uz\/#organization"},"image":{"@id":"https:\/\/biznesreport.uz\/index.php\/2025\/06\/09\/mehnatga-yaroqli-har-ming-aholining-224-nafarida-kredit-bor-markaziy-bank\/#primaryimage"},"thumbnailUrl":"https:\/\/biznesreport.uz\/wp-content\/uploads\/2025\/06\/Ued_l54KGX2Cd78ifDhFOUcR_0x9Gkjv-e1749466330936.jpg","articleSection":["Moliya"],"inLanguage":"uz-UZ"},{"@type":"WebPage","@id":"https:\/\/biznesreport.uz\/index.php\/2025\/06\/09\/mehnatga-yaroqli-har-ming-aholining-224-nafarida-kredit-bor-markaziy-bank\/","url":"https:\/\/biznesreport.uz\/index.php\/2025\/06\/09\/mehnatga-yaroqli-har-ming-aholining-224-nafarida-kredit-bor-markaziy-bank\/","name":"Mehnatga yaroqli har ming aholining 224 nafarida kredit bor \u2014 Markaziy bank - 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