Withdrawing funds from the deposit ahead of schedule will not always save the interest accrued on it, due to the fact that not all types of deposits provide for such conditions. Deposits that provide this opportunity usually have a low interest rate. Moreover, in case of early withdrawal of funds from this type of deposit, the accrued interest on it for an incomplete month burns out, unless otherwise specified in the agreement.
Source: Finlit.uz
Deposits made online can be replenished at any time using the bank's mobile app. If the deposit is opened directly in the bank, and under the terms of such a deposit the possibility of its replenishment is provided, then you can replenish your deposit. Some banks give such an opportunity only for the first 3-6 months.
Source: Finlit.uz
Deposit interest income is paid depending on the type and terms of the deposit. Deposit interest can be received in advance if the terms and conditions of the agreement provide for such possibility, otherwise interest will be paid in accordance with the procedure set forth in the agreement.
Source: Finlit.uz
Capitalization of interest is the addition of interest accrued during the period to the principal amount of the deposit and the subsequent accrual of income on the amount of the deposit and the amount of interest added to it. In other words, accrual of interest on interest.
Source: Finlit.uz
O‘zbekiston Respublikasi Prezidentining 2021-yil 27-martdagi PQ-5041-son qaroriga asosan, oilaviy tadbirkorlikni rivojlantirish bo‘yicha Dasturlar doirasida 2021-yil 1-apreldan boshlab:
- aholi va tadbirkorlik subyektlarining kredit olish uchun arizalari Oilaviy tadbirkorlikni rivojlantirish dasturlari yagona elektron platformasi orqali qabul qilinadi;
- kredit olishda talabgorlarga «Аgrobank» АTB, АT Xalq banki va «Mikrokreditbank» АTBlar orasidan birini ixtiyoriy tanlab, barcha dasturlar doirasida imtiyozli kredit olish bo‘yicha murojaat etish imkoniyati yaratildi;
- kredit oluvchi tanlagan mahsulot yetkazib beruvchi (ish bajaruvchi) tashkilot tomonidan mahsulotlar yetkazib berilgandan (ish bajarilganidan) so‘ng, kredit mablag‘lari taʼminotchiga ajratib beriladi.
Har bir jarayon boʼyicha, elektron SMS-xabarnoma keladi.
"Har bir oila – tadbirkor" dasturi doirasida imtiyozli kreditlar O‘zbekiston Respublikasi Prezidentining 2018-yil 7-iyundagi PQ-3777-sonli qaroriga asosan quyidagi shartlar asosida ajratiladi.
Jismoniy shaxslar uchun – Respublikada o‘rnatilgan BHMning (bugungi kunda BHM 270 ming so‘mni tashkil etadi) 150 barobarigacha, 6 oylik imtiyozli davr bilan, 36 oygacha bo‘lgan muddatga, yillik 14 foiz bilan ajratiladi.
Yuridik shaxslar uchun – BHMning 1000 barobarigacha, 6 oylik imtiyozli davr bilan, 36 oygacha bo‘lgan muddatga, yillik 14 foiz bilan beriladi. Shuningdek, yuridik shaxslar uchun, Hunarmandchilikni rivojlantirish uchun 2017-yil 17-noyabrdagi PF-5242-sonli qaroriga asosan imtiyozli kredit miqdori BHMning 250 barobarigacha;
- Xotin qizlarni va oilani qo‘llab-quvvatlash uchun 2018-yil 2-fevraldagi PF-5325-sonli qarorga asosan imtiyozli kredit miqdori BHMning 1500 barobarigacha;
- Yoshlarni tadbirkorlikka jalb qilish uchun 2020-yil 13-oktyabrdagi PQ-4862-sonli qaroriga asosan imtiyozli kredit miqdori 225 mln. so‘mgacha;
- Fermer, dehqon xo‘jaliklari va tomorqa yer egalari uchun 2018-yil 26-apreldagi PQ-3680-sonli qaroriga asosan imtiyozli kredit miqdori loyiha miqdori doirasida;
- Аholi bandligini taʼminlash uchun 2018-yil 14-iyuldagi PQ-3856-sonli qaroriga asosan imtiyozli kredit miqdori BHMning 500 barobarigacha hisoblanadi.
Yuridik shaxslarga ajratiladigan kredit BHMning 150 barobaridan ortiq bo‘lganda, kredit taʼminoti sifatida mol-mulk garovi taqdim qilinadi.
Vazirlar Mahkamasining 2021-yil 18-avgustdagi “Oliy taʼlim tashkilotlarida to‘lov-kontrakt asosida o‘qish uchun taʼlim kreditlari ajratishni tartibga solish chora-tadbirlari to‘g‘risida”gi 527-sonli qaroriga asosan tartibga solinadi.
Kredit miqdori: talaba va OTM o‘rtasida tuzilgan to‘lov-kontrakt shartnomasi miqdorida.
Muddati: o‘qish muddati tugagandan so‘ng yettinchi oydan boshlab 7 yil muddatga.
Kredit foizi: Markaziy bankning asosiy stavkasi miqdorida (hozirda 14 %)
Taʼlim krediti O‘zbekiston Respublikasida faoliyat yurituvchi OTMlar uchun faqat O‘zbekiston Respublikasi fuqarolari uchun, kunduzgi taʼlim shakliga ajratiladi (super kontrakt uchun yoki maxsus sirtqi, kechki va sirtqi taʼlim shakllari uchun berilmaydi).
Bankka quyidagi hujjatlar topshiriladi.
- ariza;
- talaba va OTM o‘rtasida tuzilgan shartnoma (kontrakt);
- Yaqin qarindoshi sherik qarzdor bo‘lishi mumkin (pasport, ish haqi maʼlumoti);
- kredit qaytarilishining taʼminoti bo‘yicha hujjat. Bunda “ijtimoiy himoya yagona reestriga” kirgan oilalarning farzandlariga ajratiladigan taʼlim krediti bo‘yicha garov va kafillik talab etilmaydi;
- “ijtimoiy himoya yagona reestriga” kiritilganligini tasdiqlovchi maʼlumotnoma (agar bo‘lsa).
Barcha hujjatlar topshirilgandan so‘ng, ariza 5 ish kunida ko‘rib chiqiladi.
BHMning 150 barobarigacha, imtiyozli davrsiz, 36 oygacha bo‘lgan muddatga, yillik 28 foiz bilan, O‘zbekiston Respublikasida ishlab chiqarilgan isteʼmol tovarlari va xizmatlarini sotib olish uchun ajratiladi.
When repaying a loan, the borrower returns:
- the initial amount of the loan;
- interest for the use of funds;
- other expenses.
Interest rates on loans are calculated according to general principles - as a share (in %) of the principal amount, calculated for a certain period, usually a year. The loan term can be significantly more or less than a calendar year, but this does not change the essence of the accrual, the interest rate is recalculated based on the period.
Other loan costs may include, for example, bank commission, appraisal, insurance and collateral, as well as penalties for late repayment of monthly payments, etc.
Source: Finlit.uz
There are two payment methods for monthly payments:
- annuity – the division of the entire amount of the debt (the principal amount of the loan, interest and other payments on it) into equal parts and equal payment throughout the entire period;
- differentiated payments – here the payment amount is gradually reduced, since interest is calculated in relation to the amount of the loan balance.
Source: Finlit.uz
Mikroqarz mijoz arizasiga ko‘ra BHMning 150 barobarigacha miqdorida, naqd pulda ajratilsa yillik 28 % va plastik kartaga pul o‘tkazish yo‘li bilan yillik 27 % bilan, bir yilgacha bo‘lgan muddatga ajratiladi.
You can repay any loan through the cash desk of the bank in cash. The possibility of early repayment of online loans is specified in the loan offer, that is, in the contract. We recommend that you familiarize yourself with these conditions before submitting an application and upon obtaining a loan, as well as save the loan offer in the memory of your mobile device.
Source: Finlit.uz
Under the new procedure for mortgage loans, as co-borrowers for a mortgage loan may be considered other persons who do not live together with the citizen-borrower of the mortgage loan and are not close relatives in terms of income. In this case, together with the amount of pension payments of the co-borrower and the borrower, interest, dividends, income from the rental of property, as well as personal income, confirmed by a declaration from the state tax authorities are taken into account.
Source: Finlit.uz
Kartangiz ochilgan filialga shaxsingizni tasdiqlovchi hujjatingiz bilan boriladi hamda 5 daqiqa ichida kartangizni blokdan yechib beriladi.
Shuningdek, Uzcard plastik kartangizni parolini 3 marotaba noto‘g‘ri kiritgan bo‘lsangiz, bankning mobil ilovasi orqali noto‘g‘ri terilgan parolni mobil ilova orqali bo‘shatish imkoniyati mavjud. Buning uchun bankning mobil ilovasini yuklab olishingiz lozim bo‘ladi.
It is possible to cancel a payment through a trading terminal in certain national payment systems. It should be noted that this operation can be carried out if this service is provided for in the agreement between the merchant and the acquirer.
Source: Finlit.uz
The CVV code is a three-digit code on the back of a bank card. As a rule, these are the last three digits of the indicated seven on the back of the card. It is also important to note that for security reasons, it is strongly recommended not to share the CVV code with third parties, as this data makes it possible to manage your card via the Internet.
Source: Finlit.uz
In such cases, you should block your bank card. To do this, you need to call the call center of the issuing bank or the payment system operator. It is also possible to block the card using the mobile application of the bank or payment organization, as well as on the official websites of payment system operators.
Source: Finlit.uz
According to the law, banks are independent in setting commissions. It should be noted that a certain part of the income from the commission for cashing out funds goes to cover the costs associated with the purchase and maintenance of ATMs, as well as the rental of a place. It is also possible to cash out funds from a bank card account without interest in a servicing bank.
Source: Finlit.uz
Xalqaro to‘lov kartalaridan (VISA, MasterCard va boshqalar) foydalangan holda internet-do‘konlardan tovarlarni sotib olish mumkin. Ushbu kartalar mahalliy banklar tomonidan chiqariladi.
Manba: Finlit.uz
Siz naqd chet el valyutasini (AQSh dollari) ikki usulda sotib olishingiz mumkin. Birinchi usul tijorat banklari va ularning filiallaridagi ayirboshlash shoxobchalarida. Ikkinchi usul esa bankomat orqali (agar bank ushbu imkoniyatni taqdim etsa). Agar 100 AQSh dollaridan ortiq miqdorda sotib olmoqchi bo‘lsangiz, u holda Siz shaxsingizni tasdiqlovchi hujjatni (pasport/ identifikatsiya ID-kartasi/ yangi namunadagi haydovchilik guvohnomasi/ harbiy bilet) taqdim qilishingiz lozim. Odatda sotib olish kursi sotish kursidan balandroq bo‘ladi.
Manba: Finlit.uz
Bajarilgan valyuta ayirboshlash operatsiyasini bekor qilish mumkin emas. Internet bank orqali ushbu valyutani qayta ayirboshlashingiz mumkin, lekin sotish va sotib olish kurslari o‘rtasidagi farqni hisobga olish zarur, chunki kurs farqi hisobiga zarar ko‘rishingiz mumkin.
Manba: Finlit.uz
Valyuta kartangizdagi chet el valyutasini tijorat banklari va ularning filiallarida naqdlashtirishingiz mumkin. Shu bilan birga, mablag‘laringizni bankomatlar orqali ham milliy valyuta, ya'ni so‘mga naqdlashtirishingiz mumkin. 2019 yil 1 oktyabrgacha amaliyotda bankomat orqali valyutani (AQSh dollari)ni naqdlashtirish imkoniyati mavjud edi, biroq shubhali operatsiyalarni amalga oshirish riskining mavjudligi sababli ushbu xizmatlar to‘xtatildi. Bundan tashqari, xalqaro tajribaga muvofiq ko‘pchilik davlatlarda bankomatlardan faqat milliy valyutada pul berilish tartibi o‘rnatilgan.
Manba: Finlit.uz
O‘zbekiston Respublikasi bo‘ylab, fuqaro o‘zi turgan hududdagi bankimiz bo‘limiga yuboriladigan naqd pul topshiriladi. Ikkinchi hududdagi bank bo‘limidan (pul mablag‘ini olmoqchi bo‘lgan hudud) naqd pul olinadi. Bunda 0,5 foiz miqdorida xizmat haqi belgilanadi.
Bankda “Western Union”, “Contact”, “Unistream”, “Zolotaya Korona”, “Moneygram”, “Ria” xalqaro pul o‘tkazmalari tizimi va Bank o‘tkazmasi (SVIFT) mavjud.
Uyali aloqa operatorlariga to‘lovni amalga oshirish, internet provayder, raqamli televideniega to‘lovni amalga oshirish, kommunal to‘lovlarni amalga oshirish, bankimiz tomonidan ajratilgan kreditlarni so‘ndirish, hisobraqam holatini ko‘rish va tekshirish, omonat qoldiqlari va unga yozilayotgan foizlarni ko‘rish, byudjetga to‘lovlar, kartadan kartaga pul o‘tkazish, onlayn ravishda kredit ajratish, plastik kartangiz kirim-chiqimini monitoring qilib borish, konvertsiya operatsiyalari, Uzcard va Humo kartalarini blokka qo‘yish va blokdan chiqarish (blok bank tomonidan hujjat takdim etilganda ochib beriladi), HumoPay xizmati orqali (Android smartfonlarda) Humo kartalaridan kontaktsiz to‘lovlarni bajarish, oilaviy kartalarga limit qo‘yish, valyuta kurslarini bilib turish, xalqaro pul o‘tkazmasi orqali kelgan pul mablag‘larini plastik kartalariga bankka tashrif buyurmasdan qabul qilish imkoniyatlari yaratilgan.
