Eng asosiy sabab \u2014 qulaylik.<\/p>\n\n\n\n
Banklarda daromad, ish joyi va kredit tarixi tekshiriladi. Lombardda esa jarayon sodda: qimmatbaho buyum bo\u2018lsa, pul olish mumkin.<\/p>\n\n\n\n
Yana bir sabab \u2014 tezlik.<\/p>\n\n\n\n
Pul darhol kerak bo\u2018lganda, kredit kutish uchun vaqt bo\u2018lmaydi. Lombardda qaror tez qabul qilinadi.<\/p>\n\n\n\n
Bu qanday ishlaydi?<\/strong><\/p>\n\n\n\n Agar sizga shoshilinch pul zarur bo\u2018lsa, qimmatbaho mulkingizni (masalan, tilla buyumlar yoki texnika) garovga qo\u2018yib, 30 kundan bir necha oygacha bo\u2018lgan muddatga qarz olishingiz mumkin<\/p>\n\n\n\n Jarayon odatda quyidagicha bo\u2018ladi:<\/strong><\/p>\n\n\n\n Siz buyumni va shaxsni tasdiqlovchi hujjatni olib kelasiz<\/p>\n\n\n\n -Buyum baholanadi<\/p>\n\n\n\n -Shartnoma imzolanadi va pul beriladi<\/p>\n\n\n\n -Sizga garov bileti ham taqdim etiladi<\/p>\n\n\n\n Muhim qoidalar<\/strong><\/p>\n\n\n\n Lombard garovga qo\u2018yilgan buyumdan foydalanish huquqiga ega emas \u2014 u saqlanadi.<\/p>\n\n\n\n Buyum sug\u2018urtalanadi va uning qiymati himoyalanadi.<\/p>\n\n\n\n Kredit to\u2018liq qaytarilgandan so\u2018ng, buyum egasiga qaytariladi.<\/p>\n\n\n\n Bunda:<\/p>\n\n\n\n -qarz sotuvdan tushgan mablag\u2018 hisobidan yopiladi,<\/p>\n\n\n\n -ortiqcha mablag\u2018 bo\u2018lsa, egasiga qaytariladi<\/p>\n\n\n\n -etarli bo\u2018lmasa ham qarz yopilgan hisoblanadi<\/p>\n\n\n\n Afzalliklar va kamchiliklar<\/strong><\/p>\n\n\n\n Afzalliklar:<\/p>\n\n\n\n tez rasmiylashtirish<\/p>\n\n\n\n kam hujjatlar<\/p>\n\n\n\n tez pul olish imkoniyati<\/p>\n\n\n\n Kamchilik:<\/p>\n\n\n\n garov bo\u2018lishi \u2014 shart.<\/p>\n\n\n\n foiz stavkasi banklarga nisbatan yuqoriroq<\/p>\n\n\n\n Muhim<\/strong> \u0413\u043b\u0430\u0432\u043d\u0430\u044f \u043f\u0440\u0438\u0447\u0438\u043d\u0430 \u2014 \u043f\u0440\u043e\u0441\u0442\u043e\u0442\u0430. \u0412 \u0431\u0430\u043d\u043a\u0435 \u043d\u0443\u0436\u043d\u043e \u043f\u0440\u043e\u0445\u043e\u0434\u0438\u0442\u044c \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0438: \u0434\u043e\u0445\u043e\u0434, \u0440\u0430\u0431\u043e\u0442\u0430, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u0438\u0441\u0442\u043e\u0440\u0438\u044f. \u0412 \u043b\u043e\u043c\u0431\u0430\u0440\u0434\u0435 \u0432\u0441\u0451 \u043f\u0440\u043e\u0449\u0435 \u2014 \u0435\u0441\u0442\u044c \u0446\u0435\u043d\u043d\u0430\u044f \u0432\u0435\u0449\u044c, \u0437\u043d\u0430\u0447\u0438\u0442 \u043c\u043e\u0436\u043d\u043e \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0434\u0435\u043d\u044c\u0433\u0438. \u0412\u0442\u043e\u0440\u0430\u044f \u043f\u0440\u0438\u0447\u0438\u043d\u0430 \u2014 \u0441\u043a\u043e\u0440\u043e\u0441\u0442\u044c. \u041a\u043e\u0433\u0434\u0430 \u0434\u0435\u043d\u044c\u0433\u0438 \u043d\u0443\u0436\u043d\u044b \u0441\u0440\u043e\u0447\u043d\u043e, \u0436\u0434\u0430\u0442\u044c \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u043f\u0440\u043e\u0441\u0442\u043e \u043d\u0435\u0442 \u0432\u0440\u0435\u043c\u0435\u043d\u0438. \u0412 \u043b\u043e\u043c\u0431\u0430\u0440\u0434\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0435\u0442\u0441\u044f \u043f\u0440\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u0441\u0440\u0430\u0437\u0443. \u041a\u0430\u043a \u044d\u0442\u043e \u0440\u0430\u0431\u043e\u0442\u0430\u0435\u0442? \u0415\u0441\u043b\u0438 \u0432\u0430\u043c \u0441\u0440\u043e\u0447\u043d\u043e \u043d\u0443\u0436\u043d\u044b \u0434\u0435\u043d\u044c\u0433\u0438, \u0432\u044b \u043c\u043e\u0436\u0435\u0442\u0435 […]<\/p>","protected":false},"featured_media":612,"template":"","news_category":[],"class_list":["post-610","news","type-news","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/news\/610","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/news"}],"about":[{"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/types\/news"}],"version-history":[{"count":1,"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/news\/610\/revisions"}],"predecessor-version":[{"id":611,"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/news\/610\/revisions\/611"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/media\/612"}],"wp:attachment":[{"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/media?parent=610"}],"wp:term":[{"taxonomy":"news_category","embeddable":true,"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/news_category?post=610"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Agar kredit qaytarilmasa, lombard buyumni sotishi mumkin. <\/p>\n\n\n\n
Lombardlar banklar kabi omonat qabul qilmaydi.\nUlarning faoliyati O\u2018zbekiston Respublikasi Markaziy banki tomonidan tartibga solinadi va nazorat qilinadi.<\/p>","protected":false},"excerpt":{"rendered":"