{"id":14899,"date":"2026-01-07T14:41:05","date_gmt":"2026-01-07T09:41:05","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/mikrokreditlar-va-avtokreditlar-boyicha-ortacha-stavkalar-minimal-darajagacha-pasaydi\/"},"modified":"2026-01-07T14:41:05","modified_gmt":"2026-01-07T09:41:05","slug":"mikrokreditlar-va-avtokreditlar-boyicha-ortacha-stavkalar-minimal-darajagacha-pasaydi","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/mikrokreditlar-va-avtokreditlar-boyicha-ortacha-stavkalar-minimal-darajagacha-pasaydi\/","title":{"rendered":"Mikrokreditlar va avtokreditlar bo\u2018yicha o\u2018rtacha stavkalar minimal darajagacha pasaydi"},"content":{"rendered":"<h3>Nega bu muhim<\/h3>\n<p>Chakana kreditlar bo\u2018yicha foiz stavkalari dinamikasi aholi uchun qarz mablag\u2018larining mavjudligini to\u2018g\u2018ridan-to\u2018g\u2018ri aks ettiradi. Mikrokreditlar va avtokreditlar stavkalarining pasaytirilishi uy xo\u2018jaliklarining qarz yukini kamaytiradi va iste\u2019mol talabi imkoniyatlarini kengaytiradi. Bank tizimi uchun ham bu kredit shartlarini yumshatish va pul-kredit konyunkturasining o\u2018zgarishi haqidagi signaldir.  <\/p>\n<h3>Nima bo\u2018ldi<\/h3>\n<ul>\n<li>Markaziy bank 2025-yil 29-dekabr holatiga tijorat banklari tomonidan aholiga ajratilgan mikrokreditlar va avtokreditlar bo\u2018yicha foiz stavkalarini <a href=\"https:\/\/t.me\/centralbankuzbekistan\/11701\">e\u2019lon qildi<\/a>.<\/li>\n<li>Ma\u2019lumotlarga ko\u2018ra, mikrokreditlar bo\u2018yicha o\u2018rtacha foiz stavkasi 31,1 foizni, avtokreditlar bo\u2018yicha esa 23,4 foizni tashkil etgan.<\/li>\n<li>Ko\u2018rsatilgan qiymatlar tegishli statistik ma\u2019lumotlar e\u2019lon qilinganidan beri eng past ko\u2018rsatkichlardir.<\/li>\n<li>So\u2018nggi besh oyda mikrokreditlar bo\u2018yicha o\u2018rtacha stavka 3,8 foiz bandga, avtokreditlar bo\u2018yicha esa 2,7 foiz bandga pasaygan.<\/li>\n<\/ul>\n<h3>Raqamlar va faktlar<\/h3>\n<ul>\n<li>Bank tizimida mikrokreditlar bo\u2018yicha o\u2018rtacha foiz stavkasi 2025-yil 29-dekabr holatiga 31,1 foizni tashkil etmoqda.<\/li>\n<li>Mikrokreditlar bo\u2018yicha minimal stavka Anorbankda &#8211; 41,3 foiz, maksimal stavka Aloqabankda &#8211; 23,5 foiz darajasida qayd etilgan, bunda aksariyat banklar 25 foizdan 33 foizgacha bo\u2018lgan oraliqda stavkalarni taklif qilmoqda.<\/li>\n<li>Avtokreditlar bo\u2018yicha o\u2018rtacha foiz stavkasi 23,4 foizni tashkil etadi.<\/li>\n<li>Avtokreditlar bo\u2018yicha eng past stavkalarni Infinbank &#8211; 18,3% va Ipoteka bank &#8211; 19,9% taklif qilmoqda, maksimal qiymatlar esa Trastbankda 26,6% ga yetadi.<\/li>\n<li>2025-yil 2-iyulga nisbatan mikrokreditlar bo\u2018yicha o\u2018rtacha stavka 3,8 foiz bandga, avtokreditlar bo\u2018yicha esa 2,7 foiz bandga pasaygan.<\/li>\n<li>Ma\u2019lumotlar jismoniy shaxslarga berilgan kreditlar to\u2018g\u2018risidagi ma\u2019lumotlar asosida hisoblangan va bank sektori bo\u2018yicha o\u2018rtacha ko\u2018rsatkichlarni aks ettiradi.<\/li>\n<\/ul>\n<h3>Mohiyat<\/h3>\n<ul>\n<li>O\u2018rtacha stavkalarning pasayishi aholi uchun chakana kreditlashning asta-sekin arzonlashayotganini ko\u2018rsatadi.<\/li>\n<li>Qarz oluvchilar uchun bu, ayniqsa avtokreditlar segmentida, mablag\u2018larni jalb qilishning yanada qulay shartlarini anglatadi.<\/li>\n<li>Umuman olganda, iqtisodiyot uchun bunday dinamika iste\u2019mol va ichki talabni qo\u2018llab-quvvatlashga yordam berishi mumkin.<\/li>\n<li>Stavkalarning pasayishi pul-kredit sharoitlarini o\u2018zgartirish va tijorat banklari o\u2018rtasida chakana mijozlar uchun raqobat sharoitida sodir bo\u2018lmoqda.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Dekabr oyi oxiriga kelib, mikrokreditlar o\u2018rtacha 31,1 foiz, avtokreditlar 23,4 foiz stavkada ajratilmoqda.<\/p>\n","protected":false},"author":7,"featured_media":14891,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sharing_image":{"poster":"https:\/\/frank.uz\/wp-content\/uploads\/2026\/01\/695e45598cd9f.jpg","width":1200,"height":630,"template":"2bf59057","mode":"auto"},"_sharing_image_fieldset":{"Dv78f24rp1hU":14891,"YlB8HH34jIzY":"Mikrokreditlar va avtokreditlar bo\u2018yicha o\u2018rtacha stavkalar minimal darajagacha pasaydi"},"pin_until":"","footnotes":""},"categories":[622],"tags":[1009,2478,1550,2551],"class_list":["post-14899","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-avtokreditlar","tag-markaziy-bank-uz","tag-mikrokreditlar","tag-tijorat"],"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>Mikrokreditlar va avtokreditlar bo\u2018yicha o\u2018rtacha stavkalar minimal darajagacha pasaydi &#8212; 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