Markaziy bank 2026-yil 27-aprel holatiga tijorat banklarining kreditlar bo‘yicha foiz stavkalari haqidagi ma’lumotlarini yangiladi. Yangi ko‘rsatkichlar 20-aprel holati bilan solishtirilganda deyarli barcha segmentlarda pasayish kuzatilgan.
Mikroqarzlar bo‘yicha o‘rtacha foiz stavkasi 29,1% dan 28,7% ga tushdi. Aloqabankda stavka 24,1 foizdan 23,3 foizga, Turon bankda 27,4 foizdan 25,7 foizga, Xalq bankida 26,8 foizdan 26,8 foiz atrofida saqlangan bo‘lsa-da, umumiy trend pasayish tomonga yo‘nalgan. Shu bilan birga, yuqori stavkali banklar segmentida ham kichik o‘zgarishlar bor: Anorbankda 40,4 foizdan 39,7 foizga tushgan, TBC bankda esa 34,6 foizdan 37,9 foizga oshgan. Tenge bank deyarli eng yuqori stavkani saqlab qolgan — 42,6%.
27-aprel holatiga mikroqarz stavkalari banklar kesimida quyidagicha shakllangan: Aloqabank — 23,3%, Milliy bank — 24,1%, Infinbank — 24,3%, Trastbank — 24,8%, BRB — 25,0%, Turon bank — 25,7%, OFB — 25,9%, Asaka bank — 26,5%, Mikrokreditbank — 26,5%, Agrobank — 26,7%, Xalq banki — 26,8%, SQB — 27,1%, Asia Alliance bank — 27,6%, Madad Invest bank — 29,4%, Apex bank — 29,9%, Garant bank — 30,1%, Poytaxt bank — 30,2%, Universal bank — 30,5%, Hamkorbank — 32,5%, Ipoteka bank — 32,9%, Davr bank — 34,3%, Ipak yo‘li bank — 34,5%, TBC bank — 37,9%, Uzum bank — 38,0%, Anor bank — 39,7%, AVO bank — 39,9%, Tenge bank — 42,6%.
Avtokreditlar bo‘yicha o‘rtacha stavka 22,8% dan 22,6% ga pasaydi. Bu segmentda ham pasayish tendensiyasi kuzatilmoqda. Xususan, Apex bankda 22,9 foizdan 19,7 foizga keskin tushgan, Ipoteka bankda 21,6 foizdan 21,4 foizga, Aloqabankda 23,5 foizdan 22,0 foizga pasaygan. Shu bilan birga, ayrim banklarda kichik o‘sishlar ham bor, biroq umumiy trend arzonlashish tomonda shakllangan.
27-aprel holatiga avtokredit stavkalari quyidagicha: Infinbank — 18,5%, BRB — 18,8%, Apex bank — 19,7%, Garant bank — 20,1%, Davr bank — 20,1%, Ipoteka bank — 21,4%, SQB — 21,6%, Hamkorbank — 21,9%, Aloqabank — 22,0%, Asia Alliance bank — 22,1%, OFB — 22,9%, Xalq banki — 23,3%, Milliy bank — 23,5%, Ipak yo‘li bank — 23,5%, Trastbank — 24,4%, Mikrokreditbank — 24,5%, Agrobank — 24,6%, Asaka bank — 24,7%, Turon bank — 25,1%, Ziraat bank — 25,5%, Madad Invest bank — 27,9%.
Ipoteka kreditlari bo‘yicha o‘rtacha stavka ham pasayib, 23,5% dan 22,5% ga tushdi. Bu segmentda ham sezilarli yumshash kuzatilmoqda. Eng past stavkalar Aloqabankda 19,9%, Milliy bankda 20,7% va SQBda 21,1% darajasida qayd etilgan. Yuqori stavkalar esa asosan 25–26% oralig‘ida shakllangan. Umuman, ipoteka kreditlari bozori boshqa segmentlarga nisbatan barqaror va pastroq darajada qolmoqda.
27-aprel holatiga ipoteka stavkalari: Aloqabank — 19,9%, Milliy bank — 20,7%, SQB — 21,1%, Agrobank — 21,6%, Ipoteka bank — 21,6%, Hamkorbank — 22,0%, Xalq banki — 23,1%, OFB — 23,5%, BRB — 24,0%, Mikrokreditbank — 24,6%, Asaka bank — 24,9%, Ipak yo‘li bank — 24,9%, Open bank — 25,0%, Davr bank — 25,2%, Trastbank — 25,3%, Infinbank — 25,8%, Turon bank — 25,9%, Asia Alliance bank — 26,0%, Universal bank — 26,0%.
Yuridik shaxslar uchun kreditlarda ham pasayish tendensiyasi kuzatiladi. Aylanma mablag‘larni to‘ldirish uchun kreditlar bo‘yicha o‘rtacha stavka 25,4% dan 23,5% ga keskin tushgan. Eng past stavkalar Milliy bankda 20,9% va OFBda 21,2%, yuqori stavkalar esa Anorbankda 29,2% va Madad Invest bankda 28,0% darajasida qayd etilgan.
Mazkur segmentda stavkalar quyidagicha: Milliy bank — 20,9%, OFB — 21,2%, KDB bank — 21,5%, Aloqabank — 22,1%, Xalq banki — 22,3%, Ipoteka bank — 22,5%, Mikrokreditbank — 22,7%, BRB — 23,1%, Ipak yo‘li bank — 23,7%, Hamkorbank — 23,7%, Trastbank — 23,8%, Apex bank — 24,0%, Agrobank — 24,0%, Kapital bank — 24,1%, Turon bank — 24,5%, Ziraat bank — 24,7%, Infinbank — 24,9%, Garant bank — 25,1%, SQB — 25,4%, Tenge bank — 25,7%, Asia Alliance bank — 25,7%, Asaka bank — 26,0%, Hayot bank — 26,5%, Davr bank — 26,9%, Universal bank — 27,0%, Madad Invest bank — 28,0%, Anor bank — 29,2%.
Asosiy vositalar xaridi uchun ajratiladigan kreditlar bo‘yicha o‘rtacha stavka 23,9% dan 23,4% ga pasaygan. Eng past stavkalar Trastbankda 18,9% va Xalq bankida 20,4%, yuqori stavkalar esa Garant bankda 27,5% va Tenge bankda 26,0% darajasida shakllangan.
27-aprel holatiga mazkur yo‘nalish bo‘yicha stavkalar quyidagicha shakllangan: Trastbank — 18,9%, Xalq banki — 20,4%, Milliy bank — 20,5%, BRB — 20,6%, Mikrokreditbank — 22,4%, Ipoteka bank — 22,7%, Aloqabank — 22,7%, Agrobank — 23,0%, Turon bank — 23,8%, SQB — 23,8%, Infinbank — 24,3%, Asia Alliance bank — 24,3%, Ipak yo‘li bank — 24,5%, Davr bank — 24,8%, Kapitalbank — 25,0%, Asaka bank — 25,1%, Hamkorbank — 25,2%, Tenge bank — 26,0%, Garant bank — 27,5%, Universal bank — 29,5%.
Umuman olganda, bir haftalik davr ichida kredit bozorida pasayish tendensiyasi kuzatilmoqda.
