{"id":12429,"date":"2025-11-08T12:23:56","date_gmt":"2025-11-08T07:23:56","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/mikroqarzlar-boyicha-stavkalar-ketma-ket-ikkinchi-oy-pasaymoqda\/"},"modified":"2025-11-08T12:23:56","modified_gmt":"2025-11-08T07:23:56","slug":"mikroqarzlar-boyicha-stavkalar-ketma-ket-ikkinchi-oy-pasaymoqda","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/mikroqarzlar-boyicha-stavkalar-ketma-ket-ikkinchi-oy-pasaymoqda\/","title":{"rendered":"Mikroqarzlar bo\u2018yicha stavkalar ketma-ket ikkinchi oy pasaymoqda"},"content":{"rendered":"<h3>Nega bu muhim<\/h3>\n<p>Mikroqarzlar bo\u2018yicha stavkalarni 35%+ dan 32,7% gacha pasaytirish \u2014 kichik biznes, qarz oluvchilar uchun yengillik, qarz yukini kamaytirish. 32,7% hali ham yuqori (Markaziy bankning 14% stavkasidan 2,3 baravar yuqori), ammo tendensiya ijobiy. Tarqoqlik 40,6% (Anor Bank) \u2014 24,9% (Infinbank) \u2014 banklar o\u2018rtasidagi raqobat. Avtokreditlar 24,3%ga barqaror &#8211; avtomobil sotib olish uchun mavjud moliyalashtirish talabni rag\u2018batlantiradi.   <\/p>\n<h3>Nima bo\u2018ldi<\/h3>\n<ul>\n<li>Mikroqarzlar bo\u2018yicha stavka \u2014 32,7%, ikkinchi oy pasayadi;<\/li>\n<li>Yetakchi \u2014 Anor Bank (40,6%), minimal \u2014 Infinbank (24,9%);<\/li>\n<li>Avtokreditlar \u2014 24,3%, bir necha oy davomida barqaror;<\/li>\n<li>Yetakchi \u2014 Universal Bank (30%), minimal \u2014 Garant Bank (17,8%).<\/li>\n<\/ul>\n<h3>Mikroqarzlar<\/h3>\n<ul>\n<li><strong>O\u2018rtacha stavka:<\/strong> 32,7% \u2014 Markaziy bankning qat\u2019iy siyosati (14% stavka), MFOni tartibga solishning kuchaytirilishi, banklar raqobati tufayli iyul oyidagi 35%+ dan pasayish.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Eng qimmat TOP-5:<\/span><\/p>\n<ul>\n<li>Anor Bank \u2014 40,6%;<\/li>\n<li>TBC Bank \u2014 40,0%;<\/li>\n<li>Tenge Bank \u2014 39,8%;<\/li>\n<li>Apex Bank \u2014 39,5%;<\/li>\n<li>Octobank \u2014 37,9%.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Eng arzon TOP-5<\/span><\/p>\n<ul>\n<li>Infinbank \u2014 24,9%;<\/li>\n<li>BRB \u2014 25,5%;<\/li>\n<li>Trastbank \u2014 25,6%;<\/li>\n<li>OFB \u2014 26,1%;<\/li>\n<li>Aloqabank \u2014 26,3%.<\/li>\n<\/ul>\n<h3>Avtokreditlar<\/h3>\n<ul>\n<li><strong>O\u2018rtacha stavka:<\/strong> 24,3% \u2014 bir necha oy davomida barqaror, avtokreditlashni davlat tomonidan qo\u2018llab-quvvatlash, banklar raqobati natijasi.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Eng qimmat TOP-5:<\/span><\/p>\n<ul>\n<li>Universal Bank \u2014 30,0%;<\/li>\n<li>Madad Invest Bank \u2014 27,9%;<\/li>\n<li>SQB \u2014 27,4%;<\/li>\n<li>Trastbank \u2014 26,6%;<\/li>\n<li>Asia Alliance Bank \u2014 26,4%.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Eng arzon TOP-5<\/span><\/p>\n<ul>\n<li>Garant Bank \u2014 17,8%;<\/li>\n<li>Infinbank \u2014 19,1%;<\/li>\n<li>Ipoteka Bank \u2014 19,7%;<\/li>\n<li>OFB \u2014 21,2%;<\/li>\n<li>BRB \u2014 22,3%.<\/li>\n<\/ul>\n<h3>Nima uchun mikroqarzlar kamaymoqda<\/h3>\n<ul>\n<li><strong>Markaziy bankning qat\u2019iy siyosati:<\/strong> stavka 14% \u2014 banklar raqobatbardosh bo\u2018lish uchun kredit stavkalarini pasaytirmoqda.<\/li>\n<li><strong>MMTni tartibga solish:<\/strong> Markaziy bank MMTlarga (kapital, zaxiralar, NPL) qo\u2018yiladigan talablarni kuchaytirmoqda, bu esa ularning yuqori stavkalarni belgilash qobiliyatini pasaytirmoqda.<\/li>\n<li><strong>Raqobat:<\/strong> banklar stavkalarni pasaytirish orqali qarz oluvchilar uchun raqobatlashadi. Infinbank (24,9%) mijozlarni Anor Bank`dan (40,6%) tortib olib, eng past stavkalarni taklif qilmoqda. <\/li>\n<\/ul>\n<h3>Nima uchun avtokreditlar barqaror<\/h3>\n<ul>\n<li><strong>Davlat tomonidan qo\u2018llab-quvvatlash: <\/strong>bitiruvchilarni ishga olgan biznes uchun imtiyozli avtokreditlar (18-22 foiz uchun 5 milliardgacha).<\/li>\n<li><strong>Raqobat:<\/strong> banklar 17,8-30 foizlik avtokreditlar uchun raqobatlashmoqda.<\/li>\n<li><strong>Talab:<\/strong> daromadlarning o\u2018sishi (+19% ish haqi) avtokreditlarga bo\u2018lgan talabni rag\u2018batlantiradi.<\/li>\n<\/ul>\n<h3>Stavkalar tarqoqligi<\/h3>\n<ul>\n<li><strong>Mikroqarzlar:<\/strong> 40,6% (Anor Bank) \u2014 24,9% (Infinbank) = 15,7 f.p. \u2014 juda katta tarqoqlik, yagona narx siyosati yo\u2018qligini, raqobatni ko\u2018rsatadi. <\/li>\n<li><strong>Avtokreditlar:<\/strong> 30% (Universal Bank) \u2014 17,8% (Garant Bank) = 12,2 f.p. \u2014 bu ham katta farq. <\/li>\n<\/ul>\n<h3>Mohiyat<\/h3>\n<ul>\n<li><strong>32,7% \u2014 hali ham yuqori:<\/strong> Markaziy bank stavkasidan 2,3 baravar yuqori (14%). Mikroqarzlar depozitlarga qaraganda xavfliroq bo\u2018lib, defoltlarni qoplash uchun yuqori marjani talab qiladi (NPL 5-10%). <\/li>\n<li><strong>Pasayish \u2014 ijobiy tendensiya:<\/strong> 35%+ dan 32,7% gacha \u2014 kichik biznes, qarz oluvchilar uchun yengillik. Keyingi pasayish Markaziy bank siyosati, tartibga solish va raqobatga bog\u2018liq. <\/li>\n<li><strong>Avtokreditlar 24,3%:<\/strong> avtomobil sotib olish uchun mavjud moliyalashtirish. Avtomobilning o\u2018rtacha narxi 14 330 dollar, 3 yilga 24,3% kredit \u2014 oylik to\u2018lov 500-600 dollar, o\u2018rta sinf uchun hamyonbop (ish haqi 500-700 dollar). <\/li>\n<li><strong>Garant Bank \u2014 past stavkalar bo\u2018yicha yetakchi:<\/strong> 17,8% avtokreditlar, 32,9% mikroqarzlar \u2014 raqobatdosh ustunlik.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Mikroqarzlar bo\u2018yicha o\u2018rtacha stavka 32,7% gacha tushdi \u2014 ketma-ket ikkinchi oy pasaymoqda. Mikroqarzlarning kamayishi \u2014 Markaziy bankning qat\u2019iy siyosati, MMTni tartibga solishning kuchaytirilishi, banklar raqobati natijasidir. <\/p>\n","protected":false},"author":4,"featured_media":6310,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2025\/11\/690eff9584f20.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":6310,"YlB8HH34jIzY":"Mikroqarzlar bo\u2018yicha stavkalar ketma-ket ikkinchi oy pasaymoqda"},"pin_until":"","footnotes":""},"categories":[622],"tags":[1009,634,1007,1008,760],"class_list":["post-12429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-avtokreditlar","tag-banklar","tag-kreditlar","tag-mikroqarzlar","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>Mikroqarzlar bo\u2018yicha stavkalar ketma-ket ikkinchi oy pasaymoqda &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"Mikroqarzlar bo\u2018yicha o\u2018rtacha stavka 32,7% gacha tushdi \u2014 ketma-ket ikkinchi oy pasaymoqda. 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