{"id":7680,"date":"2026-11-14T04:22:24","date_gmt":"2026-11-14T04:22:24","guid":{"rendered":"https:\/\/uzbekistanobserver.com\/uz\/uzbekistans-central-bank-orders-banks-to-audit-post-judgment-loan-charges-and-repay-borrowers\/"},"modified":"2026-11-14T04:22:24","modified_gmt":"2026-11-14T04:22:24","slug":"uzbekistans-central-bank-orders-banks-to-audit-post-judgment-loan-charges-and-repay-borrowers","status":"publish","type":"post","link":"https:\/\/uzbekistanobserver.com\/uz\/uzbekistans-central-bank-orders-banks-to-audit-post-judgment-loan-charges-and-repay-borrowers\/","title":{"rendered":"O’zbekiston Markaziy banki banklarga sud qaroriga ko’ra berilgan kreditlar bo’yicha hisob-kitoblarni tekshirib, qarz oluvchilarga to’lovlarni qaytarishni buyurdi"},"content":{"rendered":"

O'zbekiston Markaziy banki mamlakatimizdagi barcha tijorat banklariga sudlar tomonidan qarz undirish to'g'risida qaror chiqarilgan kreditlar bo'yicha foizlar va jarimalar hisob-kitoblarini tekshirishni \u2014 hamda ushbu qarorlardan keyin noqonuniy ravishda undirilgan summalarni qarz oluvchilarga qaytarishni buyurdi.<\/p>\n

Markaziy bankning Bank nazorati qo'mitasi tomonidan chiqarilgan ushbu ko'rsatma ko'pchilik tomonidan e'tiborga olinmayotganga o'xshagan oddiy qonuniy talabga asoslanadi. Fuqarolik kodeksining 744-moddasi 3-qismiga ko'ra, sud undirilishi lozim bo'lgan summani belgilab qaror chiqarganidan so'ng, bank ushbu miqdorga foizlar, jarimalar va penyalar qo'shishni to'xtatishi shart. Sud tomonidan belgilangan summa qat'iy bo'lib, keyingi hisob-kitoblar orqali oshirilishi mumkin emas. Markaziy bankning aralashuvi ko'plab banklar qarz oluvchilardan aynan shunday tartibda to'lovlarni undira boshlashda davom etganligini ko'rsatmoqda.<\/p>\n

Banklar nima qilishi va qachon<\/h2>\n

Nazorat qo\u02bbmitasi mas'uliyatni to\u02bbliq tijorat banklarining kuzatuv kengashlari va boshqaruv kengashlariga yukladi. Har bir muassasaning ichki audit xizmati sud qarorlari mavjud barcha kreditlarni ko\u02bbrib chiqishi va qonun talabiga ko\u02bbra foizlar hamda jarimalar hisoblanishi to\u02bbxtatilgan yoki to\u02bbxtatilmaganligini aniqlashi shart. Ushbu ish 2026-yil 10-dekabrgacha yakunlanishi, aniqlangan qoidabuzarliklar ham kiritilgan holda natijalar bankning o\u02bbz boshqaruv organlariga hisobot qilib topshirilishi lozim.<\/p>\n

Noqonuniy hisob-kitoblar aniqlangan taqdirda, banklar ularni bekor qilishi shart. Shu asosda qarz oluvchilardan allaqachon undirilgan summalar zudlik bilan qaytarilishi kerak. Boshqaruv kengashlari esa 2026-yil 25-dekabrgacha nima aniqlanganini, nima tuzatilganini va qancha mablag\u02bb qaytarilganini hujjatli dalillar bilan tasdiqlab, Markaziy bankka batafsil hisobotlar topshirishi shart.<\/p>\n

Zarar ko\u02bbrgan qarz oluvchilar uchun murojaat tartibi<\/h2>\n

Markaziy bank ortiqcha haq undirilgan deb hisoblagan qarz oluvchilar uchun to\u02bbg\u02bbridan-to\u02bbg\u02bbri murojaat kanali ochdi. Shikoyatlarni regulyatorning 71 200 00 44 raqamli aloqa markazi yoki 18 00 qisqa raqami orqali, shuningdek Bankda nima gap?<\/em><\/p>\n

Ushbu voqea O\u02bbzbekistonning bank sektorida qarzni undirish sohasidagi rasmiy huquqiy bazasi bilan banklarning amaliy faoliyati o\u02bbrtasidagi qayta-qayta namoyon bo\u02bbluvchi ziddiyatni yana bir bor ko\u02bbrsatib berdi. Audit va hisobot jarayoni uchun qat\u02bciy muddatlar belgilab, Markaziy bank o\u02bbn yillik fuqarolik kodeksi normalariga ixtiyoriy rioya etish yetarli bo\u02bblmaganligini va endi nazorat organlari tomonidan kuzatuv amalga oshirilishi kutilayotganini aniq ifoda etdi.<\/p>\n","protected":false},"excerpt":{"rendered":"

Markaziy bankning Bank nazorati qo’mitasi barcha tijorat banklariga 10-dekabrgacha sud qaroriga ko’ra berilgan kreditlar bo’yicha hisob-kitoblarni tekshirib, noqonuniy undirilgan to’lovlarni qaytarishni topshirdi. Buning asosi sifatida sud qarori chiqarilgandan so’ng qarz miqdorini muzlatib qo’yuvchi Fuqarolik kodeksining moddasi ko’rsatildi.<\/p>\n","protected":false},"author":6,"featured_media":7681,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[369,1049,473,1051,381,1050],"ucw_region":[],"ucw_sector":[],"ucw_issue":[],"ucw_institution":[],"ucw_case_status":[],"ehb_region":[],"uov_series":[],"class_list":["post-7680","post","type-post","status-publish","format-standard","has-post-thumbnail","category-public-spending","tag-banking-regulation","tag-civil-code","tag-consumer-protection","tag-loan-enforcement","tag-central-bank","tag-debt-recovery"],"_links":{"self":[{"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/posts\/7680","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\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/comments?post=7680"}],"version-history":[{"count":0,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/posts\/7680\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/media\/7681"}],"wp:attachment":[{"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/media?parent=7680"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/categories?post=7680"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/tags?post=7680"},{"taxonomy":"ucw_region","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_region?post=7680"},{"taxonomy":"ucw_sector","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_sector?post=7680"},{"taxonomy":"ucw_issue","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_issue?post=7680"},{"taxonomy":"ucw_institution","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_institution?post=7680"},{"taxonomy":"ucw_case_status","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ucw_case_status?post=7680"},{"taxonomy":"ehb_region","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/ehb_region?post=7680"},{"taxonomy":"uov_series","embeddable":true,"href":"https:\/\/uzbekistanobserver.com\/uz\/wp-json\/wp\/v2\/uov_series?post=7680"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}