{"id":11375,"date":"2025-10-21T13:36:20","date_gmt":"2025-10-21T08:36:20","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/ozbekistonda-avtokreditlarning-ortacha-stavkasi-243-gacha-oshdi\/"},"modified":"2025-10-21T13:36:20","modified_gmt":"2025-10-21T08:36:20","slug":"ozbekistonda-avtokreditlarning-ortacha-stavkasi-243-gacha-oshdi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/ozbekistonda-avtokreditlarning-ortacha-stavkasi-243-gacha-oshdi\/","title":{"rendered":"O\u2018zbekistonda avtokreditlarning o\u2018rtacha stavkasi 24,3% gacha oshdi"},"content":{"rendered":"<p><strong>Nega bu muhim<\/strong><\/p>\n<p>Stavkaning oshishi avtotransportni kreditlash shartlari qat\u2019iylashayotganini ko\u2018rsatadi, bu esa aholi uchun yangi avtomobillarning mavjudligiga ta\u2019sir qilishi mumkin. Stavkalarning oshishi bank resurslari qiymatining oshishi, inflyatsiya bosimining kuchayishi yoki qaytmaslik xatarining oshishini aks ettirishi mumkin. Avtodilerlar va moliyalashtiruvchi banklar uchun bu signal: talab sekinlashishi, boshlang\u2018ich to\u2018lov yoki kredit muddati bo\u2018yicha talablar kuchayishi mumkin.  <\/p>\n<p><strong>Asosiy faktlar<\/strong><\/p>\n<ul>\n<li>Avtokreditlar bo\u2018yicha oktyabr oyi stavkasi: 24,3 foiz.<\/li>\n<li>Biroz oldinroq, sentyabr oyining oxiri va oktyabr oyining boshidagi ma\u2019lumotlarga ko\u2018ra, bu ko\u2018rsatkich 24,1 foiz atrofida edi.<\/li>\n<li>Markaziy bank ma\u2019lumotlar bazasida avtokreditlarning o\u2018rtacha stavkasi o\u2018tgan yili taxminan 24,1 foiz darajasida qayd etilgan.<\/li>\n<li>Yil o\u2018rtasida avtokreditlar bo\u2018yicha eng foydali takliflar ayrim banklarda 21 foizdan boshlanadigan stavkalar deb ataldi.<\/li>\n<\/ul>\n<p><strong>Nima deyildi<\/strong><\/p>\n<p>Tahlilchilarning ta\u2019kidlashicha, stavkalarning bunday ko\u2018tarilishi quyidagilar bilan bog\u2018liq bo\u2018lishi mumkin:<\/p>\n<ul>\n<li>bank resurslarini jalb qilish qiymatining o\u2018sishi;<\/li>\n<li>kredit portfelining yomonlashuvi yoki avtosegmentda qaytmaslik xavfining oshishi;<\/li>\n<li>avtodilerlarni moliyalashtirish shartlarini o\u2018zgartirish va dastlabki badallar bo\u2018yicha talablarni oshirish.<\/li>\n<\/ul>\n<p><strong>Mohiyat<\/strong><\/p>\n<p>Shu bilan birga, O\u2018zbekiston bank sektori allaqachon jismoniy shaxslar uchun kredit stavkalarining o\u2018sish tendensiyasini ko\u2018rsatmoqda. Avtokreditlar bozori avvalroq kreditlar berishning pasayishini qayd etgan edi: masalan, 2024-yilda avtokreditlar hajmi deyarli ikki baravar kamaydi. <\/p>\n<p>Alohida banklar o\u2018rtachadan ancha past stavkalarni taklif qiladi \u2014 sodiq mijozlar uchun, yuqori boshlang\u2018ich to\u2018lov bilan yoki ishlab chiqaruvchi dasturi bo\u2018yicha. Bu sharoitlarning yuqori tarqoqligini ko\u2018rsatadi. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Markaziy bank ma\u2019lumotlariga ko\u2018ra, O\u2018zbekistonda avtokreditlar bo\u2018yicha o\u2018rtacha yillik foiz stavkasi 2025-yil 20-oktyabr holatiga ko\u2018ra, qariyb 24,3 foizga yetgan.<\/p>\n","protected":false},"author":4,"featured_media":11368,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/10\/68f759bcab278.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":11368,"YlB8HH34jIzY":"O\u2018zbekistonda avtokreditlarning o\u2018rtacha stavkasi 24,3% gacha oshdi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[1009,628,760],"class_list":["post-11375","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-avtokreditlar","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>O\u2018zbekistonda avtokreditlarning o\u2018rtacha stavkasi 24,3% gacha oshdi &#8212; 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