{"id":11291,"date":"2025-10-19T13:36:51","date_gmt":"2025-10-19T08:36:51","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekistonda-ipoteka-kreditlari-toqqiz-oy-ichida-chorakka-kopaydi\/"},"modified":"2025-10-19T13:36:51","modified_gmt":"2025-10-19T08:36:51","slug":"ozbekistonda-ipoteka-kreditlari-toqqiz-oy-ichida-chorakka-kopaydi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-ipoteka-kreditlari-toqqiz-oy-ichida-chorakka-kopaydi\/","title":{"rendered":"O\u2018zbekistonda ipoteka kreditlari to\u2018qqiz oy ichida chorakka ko\u2018paydi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Ipoteka kreditlarining ko\u2018payib borayotgani uy-joy bozorining jonlanayotgani, ayniqsa, banklarning kreditlash faolligi oshayotganidan dalolat beradi. Bu uy-joy sektorining moliyaviy tizimga ta\u2019sirini kuchaytiradi va uy xo\u2018jaliklarining qarz yukini baholashni talab qiladi. <\/p>\n<p><strong>Nima bo\u2018ldi<\/strong><\/p>\n<ul>\n<li>2025-yilning 9 oyida ajratilgan ipoteka kreditlari hajmi qariyb <strong>15,06 trln so\u2018mni<\/strong> tashkil etib, 2024-yilning mos davriga nisbatan 28,6 foizga o\u2018sdi.<\/li>\n<li>Ipoteka kreditlari qoldig\u2018i 76 trln so\u2018mga yetib, 8,3 trln.<\/li>\n<li>Ipoteka oluvchilar soni 42,7 ming nafardan 50,1 ming nafarga (17,8 foizga o\u2018sish) oshdi.  <\/li>\n<li>Kreditning o\u2018rtacha miqdori 9,8 foizga o\u2018sdi va 300 million so\u2018mdan oshdi.<\/li>\n<li>Iqtisodiyot va moliya vazirligi 7,43 trln so\u2018m ajratdi (o\u2018tgan yilga nisbatan 10,5 foizga ko\u2018p), bunda vazirlikning ulushi 57,4 foizdan 49,3 foizga kamaydi.<\/li>\n<li>Banklar moliyalashtirishni 63,5 foizga \u2014 6,12 trln so\u2018mgacha oshirdi va ularning ulushi bir yil avvalgi 32 foizdan kamroq o\u2018rniga 40,7 foizgacha o\u2018sdi.<\/li>\n<li>Hududlar orasida Toshkent shahri yetakchilik qildi \u2014 4,81 trln so\u2018m (36,18 foizga o\u2018sish).<\/li>\n<li>Kreditlarning 74 foizdan ortig\u2018i birlamchi uy-joy bozoriga yo\u2018naltirilgan, bu o\u2018tgan yilga nisbatan ko\u2018pdir.<\/li>\n<li>Yosh tarkibi bo\u2018yicha: 66% qabul qiluvchilar \u2014 31-50 yosh; 25 foizi \u2014 30 foizgacha; 9 foizi \u2014 50 yoshdan kattalar. Qarz oluvchilarning aksariyati erkaklar (60%). <\/li>\n<\/ul>\n<p><strong>Nima deyildi<\/strong><\/p>\n<ul>\n<li>O\u2018zbekiston Markaziy banki ma\u2019lumotlariga ko\u2018ra, 2025-yil 1-iyun holatiga ko\u2018ra, ipoteka kreditlari qoldig\u2018i 72,0 trillion so\u2018mni (yillik o\u2018sish sur\u2019ati 18 foiz) tashkil etib, yangi kreditlar 18 foiz miqdorida ajratilgan.<\/li>\n<li>Shuningdek, Bankning ta\u2019kidlashicha, qarz oluvchilarning o\u2018rtacha qarz yuki (DTI) koeffitsiyenti: ipoteka bo\u2018yicha 65 foiz atrofida, qarz oluvchilarning 21 foizi 100 foizdan ortiq DTI`ga ega.<\/li>\n<\/ul>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>2024-yilda ipoteka kreditlari hajmi 17,1 trillion so\u2018mni tashkil etdi (o\u2018sish 1,2 foiz), qarz oluvchilar soni 58,8 ming kishigacha kamaydi. 2025-yilning birinchi yarmida o\u2018sish yanada keskinroq bo\u2018ldi: 9,44 trillion so\u2018m (o\u2018sish 37,1 foiz), birlamchi bozor ulushi barcha ipotekalarga nisbatan 74 foizni tashkil etdi.  <\/p>\n<p>Shu bilan birga, ipoteka stavkalari ancha yuqoriligicha qolmoqda: o\u2018rtacha kredit stavkasi 2024-yilda qariyb 19,8 foizni tashkil etadi. Mutaxassislarning ta\u2019kidlashicha, chakana kreditlashning (shu jumladan ipotekaning) o\u2018sishi bank sektori barqarorligi uchun xatarlarni kuchaytiradi. <\/p>\n<p><strong>Xulosa<\/strong><\/p>\n<p>O\u2018zbekistonda ipoteka krediti 2024-yildagi turg\u2018unlikdan keyin 2025-yilda sezilarli o\u2018sishni ko\u2018rsatmoqda. Tijorat banklari asosiy drayver bo\u2018lib xizmat qiladi, bu esa uy-joyni moliyalashtirish tuzilmasini o\u2018zgartiradi. Shu bilan birga, qarz oluvchilarning yuqori qarz yuki va yuqori foiz stavkalari regulyatorlar tomonidan diqqat bilan kuzatib borishni talab qiladi.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025-yil boshidan beri O\u2018zbekistonda berilgan ipoteka kreditlari hajmi 28-29 foizga oshib, qariyb 15,06 trillion so\u2018mni tashkil etdi. Qarz oluvchilar soni 50,1 ming kishiga yetdi. <\/p>\n","protected":false},"author":4,"featured_media":7183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68f4ea9033c8f.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":7183,"YlB8HH34jIzY":"O\u2018zbekistonda ipoteka kreditlari to\u2018qqiz oy ichida chorakka ko\u2018paydi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[634,859,628,760,888],"class_list":["post-11291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-banklar","tag-ipoteka-uz","tag-mb","tag-finansy-uz","tag-statistika-uz-2"],"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>O\u2018zbekistonda ipoteka kreditlari to\u2018qqiz oy ichida chorakka ko\u2018paydi &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"2025-yil boshidan beri O\u2018zbekistonda berilgan ipoteka kreditlari hajmi 28-29 foizga oshib, qariyb 15,06 trillion so\u2018mni tashkil etdi. 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