{"id":48714,"date":"2024-03-11T17:01:31","date_gmt":"2024-03-11T12:01:31","guid":{"rendered":"https:\/\/raqobat.gov.uz\/?p=48714"},"modified":"2024-03-11T17:53:04","modified_gmt":"2024-03-11T12:53:04","slug":"istemol-krediti-yoki-bolib-tolash","status":"publish","type":"post","link":"https:\/\/raqobat.gov.uz\/uz\/istemol-krediti-yoki-bolib-tolash\/","title":{"rendered":"Iste\u2019mol krediti yoki  bo\u2019lib to\u2019lash"},"content":{"rendered":"<p><strong>Iste<\/strong><strong>\u2019mol krediti<\/strong><\/p>\n<p>Iste\u2019mol krediti qarz oluvchi shaxslarga banklar yoki moliya instituti tomonidan ularning ehtiyojlari uchun beriladigan mablag\u2018lar hisoblanadi. Bank iste\u2019mol krediti olgan shaxslarning xarajatlari va aniq maqsadiga qiziqmaydi. Ko\u2018pincha mijozlar iste\u2019mol kreditini maishiy texnika, mebel, uy-ro\u2018zg\u2018or buyumlari, qurilish mollari sotib olish, turli xizmatlar yoki o\u2018qishga to\u2018lash uchun sarflaydilar.<\/p>\n<p><strong>Iste\u2019mol kreditining xususiyatlari:<\/strong><\/p>\n<ul>\n<li>Kredit shartnomasi asosida to\u2018lovning barcha shartlari aks ettirilgan holda<\/li>\n<li>Pul mablag\u2018lari bank tomonidan belgilanadigan foiz stavkasi bo\u2018yicha beriladi.<\/li>\n<li>Qarz oluvchi foiz stavkalari, to\u2018lovlar, kredit shartlari bilan oldindan tanishib chiqadi.<\/li>\n<li>Iste\u2019mol krediti ma\u2019lum bir vaqt uchun, odatda 1 yildan 3 yilgacha muddatga<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Bo<\/strong><strong>\u2018lib-bo\u2018lib to\u2018lash: \u201cHozir sotib oling, keyinroq to\u2018lang!\u201d<\/strong><\/p>\n<p>Mebel, maishiy texnika do\u2018konlari, kiyim-kechak do\u2018konlari, poyabzal do\u2018konlari, kosmetika do\u2018konlari, zargarlik do\u2018konlari va boshqalar xaridorlarga bo\u2018lib-bo\u2018lib to\u2018lash xizmatini taklif etadi. Bundan tashqari, sayohatlar va oilaviy tadbirlarni tashkil etish, aviachiptalar, tibbiy xizmatlar uchun ham bo\u2018lib-bo\u2018lib to\u2018lanishi mumkin.<\/p>\n<p>Bo\u2018lib-bo\u2018lib to\u2018lovlarning o\u2018ziga xos xususiyati qo\u2018shimcha to\u2018lovlarning yo\u2018qligi. Odatda, sotuvchilar iloji boricha ko\u2018proq xaridorlarni jalb qilish uchun ushbu to\u2018lov shaklini taklif qilishadi. Iste\u2019molchilarga bo\u2018lib-bo\u2018lib to\u2018lash foizsiz deb aytiladigan holatlar ko\u2018p, lekin ko\u2018p hollarda tovarning narxini bir vaqtda to\u2018lab olganga nisbatan qimmatroq narxda hisoblanadi, iste\u2019mol krediti kabi boshidanoq foizlar narxlarga kiritilgan yoki oxirida kichik foizlar qo\u2018shiladi hamda iste\u2019molchi bularni sezmaydi.<\/p>\n<p><strong>Iste\u2019molchilar uchun <\/strong><strong>maslahat<\/strong><strong>lar<\/strong><strong>:<\/strong><\/p>\n<ul>\n<li>Agar Siz ommaviy iste\u2019mol tovarlarini (maishiy texnika, elektron uskunalar, kiyim-kechak) sotib olsangiz va sotuvchi tomonidan taklif qilingan muddatda qarzni to\u2018lashingiz mumkinligini tushunsangiz, bo\u2018lib-bo\u2018lib to\u2018lash rejasidan foydalanish foydalidir.<\/li>\n<li>Iste\u2019mol kreditiga ariza berish ta\u2019lim yoki mashina sotib olish kabi muhim maqsadlar uchun tavsiya etiladi. Oddiy qilib aytganda, bu bir yil ichida hal qilib bo\u2018lmaydigan katta xarajatlardir, chunki keyingi to\u2018lovlar haddan tashqari og\u2018ir bo\u2018ladi.<\/li>\n<li>Foizsiz bo\u2018lib-bo\u2018lib to\u2018lash bilan keyinchalik katta miqdorda qarzdor bo\u2018lib qolmaslik uchun har doim barcha xaridlarni tahlil qilib borish tavsiya etiladi.<\/li>\n<li>Iste\u2019molchi uchun haqiqiy kredit yoki foizsiz to\u2018lovligini tekshirish, solishtirish va farqini bilish har doim muhim Shu sababli, bu haqida to\u2018liq va tushunarli ma\u2019lumot berilishini talab qiling.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Iste\u2019mol krediti Iste\u2019mol krediti qarz oluvchi shaxslarga banklar yoki moliya instituti tomonidan ularning ehtiyojlari uchun beriladigan mablag\u2018lar hisoblanadi. Bank iste\u2019mol krediti olgan shaxslarning xarajatlari va aniq maqsadiga qiziqmaydi. Ko\u2018pincha mijozlar iste\u2019mol kreditini maishiy texnika, mebel, uy-ro\u2018zg\u2018or buyumlari, qurilish mollari sotib olish, turli xizmatlar yoki o\u2018qishga to\u2018lash uchun sarflaydilar. Iste\u2019mol kreditining xususiyatlari: Kredit shartnomasi asosida to\u2018lovning&hellip;<\/p>\n","protected":false},"author":1,"featured_media":48715,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true},"categories":[3],"tags":[],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v16.0.3 (Yoast SEO v19.6.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Iste\u2019mol krediti yoki bo\u2019lib to\u2019lash - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/raqobat.gov.uz\/uz\/istemol-krediti-yoki-bolib-tolash\/\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Iste\u2019mol krediti yoki bo\u2019lib to\u2019lash - O\u02bbzbekiston Respublikasi Raqobatni rivojlantirish va iste&#039;molchilar huquqlarini himoya qilish qo\u02bbmitasi.\" \/>\n<meta property=\"og:description\" content=\"Iste\u2019mol krediti Iste\u2019mol krediti qarz oluvchi shaxslarga banklar yoki moliya instituti tomonidan ularning ehtiyojlari uchun beriladigan mablag\u2018lar hisoblanadi. Bank iste\u2019mol krediti olgan shaxslarning xarajatlari va aniq maqsadiga qiziqmaydi. Ko\u2018pincha mijozlar iste\u2019mol kreditini maishiy texnika, mebel, uy-ro\u2018zg\u2018or buyumlari, qurilish mollari sotib olish, turli xizmatlar yoki o\u2018qishga to\u2018lash uchun sarflaydilar. 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