{"id":10739,"date":"2025-10-10T09:33:27","date_gmt":"2025-10-10T04:33:27","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/mb-banklarga-yangilangan-kredit-jadvallarini-avtomatik-ravishda-taqdim-etishni-buyuradi\/"},"modified":"2025-10-10T09:33:27","modified_gmt":"2025-10-10T04:33:27","slug":"mb-banklarga-yangilangan-kredit-jadvallarini-avtomatik-ravishda-taqdim-etishni-buyuradi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-banklarga-yangilangan-kredit-jadvallarini-avtomatik-ravishda-taqdim-etishni-buyuradi\/","title":{"rendered":"MB banklarga yangilangan kredit jadvallarini avtomatik ravishda taqdim etishni buyuradi."},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Bu qarz oluvchilarning huquqlari himoyasini kuchaytiradi: ular o\u2018zgarishlar \u2014 sana, miqdor, qarz qoldig\u2018i haqida o\u2018z vaqtida xabardor qilinadi va bu haqda xabardor bo\u2018lmaslik tufayli nizolar, kechikishlar va jarimalar xavfini kamaytiradi.<\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>MBning ta\u2019kidlashicha, ayrim banklar shartnomaga \u201co\u2018zgartirilgan jadvallar to\u2018g\u2018risidagi ma\u2019lumotlar faqat mijozning so\u2018roviga ko\u2018ra taqdim etiladi\u201d degan bandni kiritadi.<\/li>\n<li>Regulyatorning ta\u2019kidlashicha, bu <strong>\u201cBanklar va bank faoliyati to\u2018g\u2018risida\u201dgi qonunning 66-moddasi<\/strong> va \u201cIste\u2019molchilarning huquqlarini himoya qilish to\u2018g\u2018risida\u201dgi qonun qoidalarini buzadi.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Banklar quyidagilarga majbur:<\/span><\/p>\n<ul>\n<li>Kelgusi shartnomalardan bunday cheklovchi bandlarni olib tashlash;<\/li>\n<li>Bunday shartlar o\u2018z kuchini yo\u2018qotishi uchun amaldagi kelishuvlarni o\u2018zgartirish;<\/li>\n<li>Qarz oluvchilarga so\u2018rovlarsiz qarz qoldig\u2018i, sanalar, barcha to\u2018lovlar miqdori va foizlar ko\u2018rsatilgan yangilangan jadvallarni avtomatik ravishda yuborish.<\/li>\n<li>Regulyatorning ta\u2019kidlashicha: grafik \u2014 kredit shartnomasining bir qismi. Agar mijoz o\u2018zgarishlar haqida bilmasa, u kechikib qolishi, ortiqcha to\u2018lovlar yoki jarimalar olishi mumkin. <\/li>\n<\/ul>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>Ilgari bozorda qarz oluvchilar shartlar o\u2018zgarganini juda kech bilib qolgani haqida shikoyatlar paydo bo\u2018lgan, bu esa tushunmovchiliklar va sud nizolarini keltirib chiqargan.<\/p>\n<p>Markaziy bankning qadami banklar va mijozlar o\u2018rtasidagi shaffoflik va kuchlar muvozanatini oshirishga qaratilgan kengroq yo\u2018nalishning bir qismidir. Banklar uchun bu xabarnoma tizimlarini texnik moslashtirish va shartnoma shablonlarini qayta ishlashni talab qiladi. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank banklarning qarz oluvchilardan kreditni qaytarishning yangilangan jadvallarini mustaqil ravishda so\u2018rash amaliyotini taqiqladi. Endi ular avtomatik tarzda taqdim etishlari shart. <\/p>\n","protected":false},"author":4,"featured_media":8620,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68e8af2b5ac56.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":8620,"YlB8HH34jIzY":"MB banklarga yangilangan kredit jadvallarini avtomatik ravishda taqdim etishni buyuradi."},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,3181,1007,628,760],"class_list":["post-10739","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-istemolchilar-uz-2","tag-kreditlar","tag-mb","tag-finansy-uz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v25.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MB banklarga yangilangan kredit jadvallarini avtomatik ravishda taqdim etishni buyuradi. &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Markaziy bank banklarning qarz oluvchilardan kreditni qaytarishning yangilangan jadvallarini mustaqil ravishda so\u2018rash amaliyotini taqiqladi. 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