{"id":6205,"date":"2025-07-25T11:30:48","date_gmt":"2025-07-25T06:30:48","guid":{"rendered":"https:\/\/frank.uz\/bez-kategorii\/mb-stavkasi-pasayganiga-qaramay-ozbekistonda-kreditlar-qimmatroq-qolmoqda\/"},"modified":"2025-07-25T11:30:48","modified_gmt":"2025-07-25T06:30:48","slug":"mb-stavkasi-pasayganiga-qaramay-ozbekistonda-kreditlar-qimmatroq-qolmoqda","status":"publish","type":"post","link":"https:\/\/frank.uz\/uz\/yangiliklar\/mb-stavkasi-pasayganiga-qaramay-ozbekistonda-kreditlar-qimmatroq-qolmoqda\/","title":{"rendered":"MB stavkasi pasayganiga qaramay, O\u2018zbekistonda kreditlar qimmatroq qolmoqda"},"content":{"rendered":"<p><strong>Nima uchun bu muhim:<\/strong><\/p>\n<p>Yumshoq pul-kredit siyosati fonida stavkalarning oshishi kredit sektorida bosim saqlanib qolayotganidan dalolat beradi. Ayniqsa, qisqa muddatli iste\u2019mol kreditlarining ko\u2018payishi xavotir uyg\u2018otadi \u2014 bu to\u2018lovsizlik to\u2018lqinini keltirib chiqarishi va aktivlar sifatining yomonlashishiga olib kelishi mumkin. <\/p>\n<p><strong>Kredit bo\u2018yicha asosiy ma\u2019lumotlar:<\/strong><\/p>\n<p><span style=\"text-decoration: underline;\">MB stavkalari:<\/span><\/p>\n<ul>\n<li>2022: 17,0%<\/li>\n<li>2025: 14,0%<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">Kreditlar bo\u2018yicha o\u2018rtacha stavka:<\/span><\/p>\n<ul>\n<li>Barcha kreditlar: 22,8% (2022-yildagi 22,7% ga nisbatan)<\/li>\n<li>Jismoniy shaxslar: 22,6% (\u22120,5 f.p.)<\/li>\n<li>Yuridik shaxslar: 22,9% (+0,5 f.p.)<\/li>\n<li>1 yilgacha kreditlar (jismoniy shaxslar): 25,8% (+1,4 f.p.)<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline;\">2025-yilda omonatlar bo\u2018yicha stavkalar:<\/span><\/p>\n<ul>\n<li>Jismoniy shaxslar \u2014 21,6%<\/li>\n<li>Yuridik shaxslar \u2014 17,5%<\/li>\n<\/ul>\n<p><strong>ITIM nima deydi:<\/strong><\/p>\n<ul>\n<li>Muddatli to\u2018lovlar va <strong>BNPL xizmatlarini tartibga solishning<\/strong> yangi qoidalari zarur.<\/li>\n<li>BNPL-xizmatlari <strong>yuqori iste\u2019mol xavflariga ega<\/strong> \u2014 qarzlar oqibatlarni tushunishdan ko\u2018ra tezroq o\u2018sadi.<\/li>\n<li>Yuqori stavkalar <strong>biznesni rivojlantirish va bandlikni<\/strong> cheklamoqda.<\/li>\n<li>Tizimli choralar <strong>qarz olish qiymatini qisqa muddatli ushlab turish<\/strong> va <strong>moliyaviy arxitekturani isloh qilishni<\/strong> birlashtirishi kerak.<\/li>\n<\/ul>\n<p><strong>Mohiyat:<\/strong><\/p>\n<p>O\u2018zbekistonda \u201cHozir sotib ol, keyin to\u2018la\u201d (BNPL) formati tez sur\u2019atlar bilan o\u2018sib bormoqda \u2014 agar u to\u2018g\u2018ri tartibga solinmasa, bank sektorining barqarorligiga putur yetkazishi mumkin. Bunday modellar allaqachon boshqa mamlakatlarda kredit pufaklariga sabab bo\u2018lgan. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025-yil aprel oyida O\u2018zbekistonda kreditlar bo\u2018yicha o\u2018rtacha tortilgan stavkalar Markaziy bankning asosiy stavkasi 17 foizdan 14 foizga pasayganiga qaramay, 22,8 foizgacha oshdi. Iqtisodiy tadqiqotlar va islohotlar markazi, ayniqsa, BNPL sektorida iste\u2019mol kreditlarining haddan tashqari qizib ketish xavfini qayd etadi. <\/p>\n","protected":false},"author":4,"featured_media":3922,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_sharing_image":[],"_sharing_image_fieldset":[],"pin_until":"","footnotes":""},"categories":[622],"tags":[927,627,861,1007,628,760],"class_list":["post-6205","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yangiliklar","tag-bnpl-uz","tag-iqtisodiyot","tag-itim","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 stavkasi pasayganiga qaramay, O\u2018zbekistonda kreditlar qimmatroq qolmoqda &#8212; Frank.uz<\/title>\n<meta name=\"description\" content=\"2025-yil aprel oyida O\u2018zbekistonda kreditlar bo\u2018yicha o\u2018rtacha tortilgan stavkalar Markaziy bankning asosiy stavkasi 17 foizdan 14 foizga pasayganiga qaramay, 22,8 foizgacha oshdi. Iqtisodiy tadqiqotlar va islohotlar markazi, ayniqsa, BNPL sektorida iste\u2019mol kreditlarining haddan tashqari qizib ketish xavfini qayd etadi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-stavkasi-pasayganiga-qaramay-ozbekistonda-kreditlar-qimmatroq-qolmoqda\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MB stavkasi pasayganiga qaramay, O\u2018zbekistonda kreditlar qimmatroq qolmoqda\" \/>\n<meta property=\"og:description\" content=\"2025-yil aprel oyida O\u2018zbekistonda kreditlar bo\u2018yicha o\u2018rtacha tortilgan stavkalar Markaziy bankning asosiy stavkasi 17 foizdan 14 foizga pasayganiga qaramay, 22,8 foizgacha oshdi. Iqtisodiy tadqiqotlar va islohotlar markazi, ayniqsa, BNPL sektorida iste\u2019mol kreditlarining haddan tashqari qizib ketish xavfini qayd etadi.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-stavkasi-pasayganiga-qaramay-ozbekistonda-kreditlar-qimmatroq-qolmoqda\/\" \/>\n<meta property=\"og:site_name\" content=\"Frank.uz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FrankUzbekistan\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-25T06:30:48+00:00\" \/>\n<meta name=\"author\" content=\"Azamat\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:site\" content=\"@frank_uzb\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Azamat\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-stavkasi-pasayganiga-qaramay-ozbekistonda-kreditlar-qimmatroq-qolmoqda\/\",\"url\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-stavkasi-pasayganiga-qaramay-ozbekistonda-kreditlar-qimmatroq-qolmoqda\/\",\"name\":\"MB stavkasi pasayganiga qaramay, O\u2018zbekistonda kreditlar qimmatroq qolmoqda &#8212; Frank.uz\",\"isPartOf\":{\"@id\":\"https:\/\/frank.uz\/uz\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-stavkasi-pasayganiga-qaramay-ozbekistonda-kreditlar-qimmatroq-qolmoqda\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/frank.uz\/uz\/yangiliklar\/mb-stavkasi-pasayganiga-qaramay-ozbekistonda-kreditlar-qimmatroq-qolmoqda\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/frank.uz\/wp-content\/uploads\/2025\/06\/file_1-scaled.jpg\",\"datePublished\":\"2025-07-25T06:30:48+00:00\",\"author\":{\"@id\":\"https:\/\/frank.uz\/uz\/#\/schema\/person\/ef76c06f7f97345c76ba878b2a9bee67\"},\"description\":\"2025-yil aprel oyida O\u2018zbekistonda kreditlar bo\u2018yicha o\u2018rtacha tortilgan stavkalar Markaziy bankning asosiy stavkasi 17 foizdan 14 foizga pasayganiga qaramay, 22,8 foizgacha oshdi. 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