{"id":7475,"date":"2026-11-10T12:44:14","date_gmt":"2026-11-10T12:44:14","guid":{"rendered":"https:\/\/uzbekistanobserver.com\/uz\/credit-ads-must-carry-debt-warnings-under-law-signed-on-10-november\/"},"modified":"2026-11-10T12:44:14","modified_gmt":"2026-11-10T12:44:14","slug":"credit-ads-must-carry-debt-warnings-under-law-signed-on-10-november","status":"publish","type":"post","link":"https:\/\/uzbekistanobserver.com\/uz\/credit-ads-must-carry-debt-warnings-under-law-signed-on-10-november\/","title":{"rendered":"Kredit reklamalari 10-noyabr kuni imzolangan qonun asosida qarz ogohlantirishlarini o&#8217;z ichiga olishi shart"},"content":{"rendered":"<p>O&#039;zbekiston Adliya vazirligi 10-noyabr kuni imzolangan qonunga asosan bank kreditlari va mikrokreditlar bo&#039;yicha barcha reklamalarda kechiktirilgan to&#039;lov moliyaviy qiyinchiliklarga olib kelishi mumkinligi haqida aniq ogohlantirish bo&#039;lishi shart ekanligini e&#039;lon qildi.<\/p>\n<p>Talab kredit mahsulotlari targ&#039;ib qilinadigan barcha formatlarni qamrab oladi. Statik reklamalarda \u2014 bosma, tashqi yoki raqamli \u2014 ogohlantirish umumiy reklama maydonining kamida 10 foizini egallashi kerak. Video materiallarda esa mazkur ma&#039;lumot reklamaning umumiy davomiyligining kamida 10 foizi davomida ekranda ko&#039;rinib turishi shart.<\/p>\n<h2>Shartnomalarda birinchi sahifada ogohlantirish bo&#039;lishi shart<\/h2>\n<p>Majburiyatlar reklamadan tashqari kredit shartnomasining o&#039;ziga ham taalluqlidir. Yangi qoidalarga ko&#039;ra, har bir kredit shartnomasining birinchi sahifasida, asosiy matn boshlanishidan oldin, o&#039;sha sahifaning kamida 30 foizini egallagan holda standartlashtirilgan ogohlantirish joylashtirilishi shart.<\/p>\n<p>Ogohlantirishda oddiy tilda to&#039;lovni amalga oshirmaslikning oqibatlari tushuntirilishi talab etiladi. Adliya vazirligining ma&#039;lumotiga ko&#039;ra, qarz oluvchilarga umumiy qarz miqdori oshishi mumkinligi, qarz beruvchi sudga murojaat qilishi mumkinligi va qarzni qoplash uchun qarz oluvchining mulki musodara qilinishi mumkinligi haqida xabar berilishi shart. Bundan tashqari, bank hisobvaraqlaridagi mablag&#039;lar muzlatilishi va vaqtinchalik chiqish taqiqi qo&#039;llanilishi mumkinligi ham ko&#039;rsatilishi shart.<\/p>\n<h2>Kontekst<\/h2>\n<p>Ushbu chora-tadbirlar O\u02bbzbekistonda iste&#039;mol kreditlashiga nisbatan kuchayib borayotgan tartibga solish e&#039;tiborini aks ettiradi \u2014 bu mamlakatda so\u02bbnggi yillarda chakana kredit hajmi tez sur&#039;atlarda kengayib bormoqda. Yangi oshkoralik tizimi qarz oluvchi potentsial mijozlarni imzo chekishdan oldin xavf-xatar to\u02bbg\u02bbrisidagi ma\u02bclumotlar bilan tanishtirishni ta\u02bcminlash majburiyatini kreditorlar va reklama beruvchilar zimmasiga yuklaydi \u2014 shunda ular defolt oqibatlarini faqat voqea yuz bergandan keyin emas, balki oldindan bilib oladilar.<\/p>\n<p>Adliya vazirligi 10-noyabrda qonun qabul qilingan sanadan alohida ijro muddatini belgilamadi, shuningdek Kursiv Uzbekistan tomonidan keltirilgan ma\u02bclonoma talablarga rioya etmaslik uchun jarimalar haqida ham batafsil ma\u02bclumot bermadi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yangi qoidalarga ko&#8217;ra, qarz beruvchilar har qanday reklamaning kamida 10 foizini xavf haqidagi ma&#8217;lumotlarga ajratishlari, shuningdek har bir kredit shartnom\u0430\u0441ining birinchi sahifasining 30 foizini qamrab oluvchi yaqqol ogohlantirish joylashtirishi shart.<\/p>\n","protected":false},"author":3,"featured_media":7476,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[360],"tags":[],"ucw_region":[],"ucw_sector":[],"ucw_issue":[],"ucw_institution":[],"ucw_case_status":[],"ehb_region":[],"uov_series":[],"class_list":["post-7475","post","type-post","status-publish","format-standard","has-post-thumbnail","category-business"],"_links":{"self":[{"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/posts\/7475","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/comments?post=7475"}],"version-history":[{"count":0,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/posts\/7475\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/media\/7476"}],"wp:attachment":[{"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/media?parent=7475"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/categories?post=7475"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/tags?post=7475"},{"taxonomy":"ucw_region","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_region?post=7475"},{"taxonomy":"ucw_sector","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_sector?post=7475"},{"taxonomy":"ucw_issue","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_issue?post=7475"},{"taxonomy":"ucw_institution","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_institution?post=7475"},{"taxonomy":"ucw_case_status","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_case_status?post=7475"},{"taxonomy":"ehb_region","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ehb_region?post=7475"},{"taxonomy":"uov_series","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/uov_series?post=7475"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}