Markaziy bank 2026-yil 6-iyul holatiga tijorat banklarining kredit mahsulotlari bo‘yicha o‘rtacha foiz stavkalarini e’lon qildi. Ma’lumotlar 29-iyun holati bilan taqqoslanganda ayrim yo‘nalishlarda stavkalar pasaygani, ayrim segmentlarda esa biroz oshgani kuzatiladi.
Mikroqarzlar bo‘yicha o‘rtacha stavka oshdi
Mikroqarzlar bo‘yicha o‘rtacha foiz stavkasi 28,9 foizdan 29,1 foizga ko‘tarildi.
Eng past stavka Aloqabankda — 22,8% (29-iyunda 22,7%), undan keyin Infinbank — 24,0% (25,0%) va Asia Alliance bank — 24,1% (24,2%) qayd etildi.
Eng yuqori stavkalar esa:
- Tenge bank — 42,5% (o‘zgarmagan);
- Anor bank — 41,1% (o‘zgarmagan);
- AVO bank — 39,9% (o‘zgarmagan);
- Uzum bank — 38,0% (o‘zgarmagan).
2026-yil 6-iyul holatiga mikroqarz stavkalari:
Aloqabank — 22,8%, Infinbank — 24,0%, Asia Alliance bank — 24,1%, Trastbank — 24,5%, Milliy bank — 25,1%, OFB — 26,0%, BRB — 26,5%, Xalq banki — 26,6%, Agrobank — 26,6%, Mikrokreditbank — 26,7%, Asaka bank — 26,9%, SQB — 27,2%, Poytaxt bank — 27,3%, Turon bank — 27,5%, Garant bank — 29,1%, Hamkorbank — 30,2%, Universal bank — 30,4%, Apex bank — 30,8%, Madad Invest bank — 31,7%, TBC bank — 33,4%, Ipoteka bank — 33,8%, Ipak yo‘li bank — 34,2%, Davr bank — 34,6%, Uzum bank — 38,0%, AVO bank — 39,9%, Anor bank — 41,1%, Tenge bank — 42,5%.
Avtokreditlar bo‘yicha o‘rtacha stavka pasaydi
Avtokreditlar bo‘yicha o‘rtacha foiz stavkasi 21,6 foizdan 21,5 foizga tushdi.
Eng qulay stavkalar:
- BRB — 18,3% (o‘zgarmagan);
- Apex bank — 20,9% (20,0%dan oshgan);
- Octobank — 21,0% (o‘zgarmagan);
- SQB — 21,4% (o‘zgarmagan).
Eng yuqori stavkalar:
- Agrobank — 25,3%;
- Hamkorbank — 25,2%;
- Trastbank — 24,5%.
2026-yil 6-iyul holatiga avtokredit stavkalari:
BRB — 18,3%, Apex bank — 20,9%, Octobank — 21,0%, SQB — 21,4%, Davr bank — 21,5%, Ipak yo‘li bank — 22,0%, Aloqabank — 22,3%, OFB — 22,4%, Garant bank — 22,5%, Asaka bank — 22,5%, Turon bank — 22,7%, Ipoteka bank — 23,1%, Xalq banki — 23,5%, Asia Alliance bank — 23,6%, Milliy bank — 23,7%, Mikrokreditbank — 24,1%, Trastbank — 24,5%, Hamkorbank — 25,2%, Agrobank — 25,3%.
Ipoteka kreditlari bo‘yicha stavkalar deyarli o‘zgarmadi
Ipoteka kreditlari bo‘yicha o‘rtacha foiz stavkasi 22,1 foiz darajasida saqlanib qoldi.
Eng past stavkalar:
- Asaka bank — 18,8% (20,3%dan pasaygan);
- OFB — 20,2% (19,1%dan oshgan);
- Milliy bank — 20,5% (20,8%dan pasaygan).
Eng yuqori stavkalar:
- Universal bank — 26,0%;
- Davr bank — 26,0%;
- Kapital bank — 25,0%.
2026-yil 6-iyul holatiga ipoteka kreditlari stavkalari:
Asaka bank — 18,8%, OFB — 20,2%, Milliy bank — 20,5%, SQB — 21,1%, Ipoteka bank — 21,8%, Agrobank — 21,8%, Hamkorbank — 22,0%, Infinbank — 22,3%, BRB — 22,5%, Xalq banki — 23,1%, Asia Alliance bank — 23,8%, Trastbank — 24,0%, Turon bank — 24,2%, Mikrokreditbank — 24,3%, Ipak yo‘li bank — 24,3%, Kapital bank — 25,0%, Universal bank — 26,0%, Davr bank — 26,0%.
Asosiy vositalar xaridi uchun kreditlar arzonlashdi
Mazkur yo‘nalish bo‘yicha o‘rtacha stavka 22,6 foizdan 22,4 foizga tushdi.
Eng past stavkalar:
- Milliy bank — 19,6%;
- Mikrokreditbank — 20,4%;
- Asaka bank — 20,8%.
Eng yuqori stavkalar:
- Universal bank — 29,1%;
- Garant bank — 26,4%;
- Kapital bank — 25,0%.
2026-yil 6-iyul holatiga stavkalar:
Milliy bank — 19,6%, Mikrokreditbank — 20,4%, Asaka bank — 20,8%, Turon bank — 21,4%, Trastbank — 21,6%, Agrobank — 22,2%, BRB — 22,2%, Hamkorbank — 22,5%, Aloqabank — 22,8%, Ipak yo‘li bank — 23,4%, Asia Alliance bank — 23,5%, Ipoteka bank — 23,5%, SQB — 23,8%, Xalq banki — 23,9%, Infinbank — 24,0%, Davr bank — 24,5%, Kapital bank — 25,0%, Garant bank — 26,4%, Universal bank — 29,1%.
Aylanma mablag‘larni to‘ldirish uchun kreditlar bo‘yicha stavkalar oshdi
Yuridik shaxslar uchun aylanma mablag‘larni to‘ldirish kreditlari bo‘yicha o‘rtacha foiz stavkasi 22,9 foizdan 23,2 foizga ko‘tarildi.
Eng past stavkalar:
- OFB — 20,8%;
- Milliy bank — 21,0%;
- Asaka bank — 21,5%.
Eng yuqori stavkalar:
- TBC bank — 32,7%;
- Universal bank — 28,7%;
- Anor bank — 27,9%.
2026-yil 6-iyul holatiga stavkalar:
OFB — 20,8%, Milliy bank — 21,0%, Asaka bank — 21,5%, Turon bank — 21,8%, Mikrokreditbank — 22,3%, Asia Alliance bank — 22,4%, Xalq banki — 22,6%, Ipak yo‘li bank — 22,6%, Hamkorbank — 22,7%, Aloqabank — 23,0%, Ipoteka bank — 23,2%, Tenge bank — 23,5%, Trastbank — 23,9%, Apex bank — 24,0%, Infinbank — 24,3%, Agrobank — 24,4%, BRB — 24,9%, Kapital bank — 25,9%, SQB — 25,9%, Ziraat bank — 26,0%, Hayot bank — 26,4%, Garant bank — 26,4%, Davr bank — 27,0%, Poytaxt bank — 27,7%, Anor bank — 27,9%, Universal bank — 28,7%, TBC bank — 32,7%.
Umuman olganda, 29-iyundan 6-iyulgacha bo‘lgan davrda avtokreditlar va asosiy vositalar xaridi uchun kreditlar bo‘yicha o‘rtacha stavkalar biroz pasaygan, ipoteka kreditlari o‘zgarmagan, mikroqarzlar hamda aylanma mablag‘larni to‘ldirish kreditlari bo‘yicha o‘rtacha foiz stavkalari esa ozroq oshgan. Kredit tanlashda nafaqat foiz stavkasi, balki boshlang‘ich badal, kredit muddati, komissiyalar va boshqa shartlarni ham solishtirish tavsiya etiladi.
