{"id":652,"date":"2026-06-10T12:08:59","date_gmt":"2026-06-10T07:08:59","guid":{"rendered":"https:\/\/kristalkredit.uz\/?post_type=news&#038;p=652"},"modified":"2026-06-10T14:16:01","modified_gmt":"2026-06-10T09:16:01","slug":"%d0%be%d1%82-%d1%87%d0%b5%d0%b3%d0%be-%d0%b7%d0%b0%d0%b2%d0%b8%d1%81%d1%82-%d1%86%d0%b5%d0%bd%d0%b0","status":"publish","type":"news","link":"https:\/\/kristalkredit.uz\/uz\/news\/%d0%be%d1%82-%d1%87%d0%b5%d0%b3%d0%be-%d0%b7%d0%b0%d0%b2%d0%b8%d1%81%d1%82-%d1%86%d0%b5%d0%bd%d0%b0\/","title":{"rendered":"Till\u0430 taqinchoqlaringiz narxi nimaga bog\u02bbliq?\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Ish joyidan hech qanday ma\u02bclumotnomasiz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Siz buyumni Kristal Kredit filialiga olib kelasiz, baholovchi uni tortib ko\u02bbradi va 10\u201315 daqiqadan so\u02bbng qo\u02bblingizda naqd pul bilan ketasiz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lekin beriladigan summa aniq nimadan shakllanadi? Nima uchun do\u02bbkondan 6 000 000 so\u02bbmga sotib olingan zanjir uchun lombardda boshqa summa taklif qilinishi mumkin?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kredit summasi hech qachon shunchaki xayolga qarab belgilanmaydi. Kristal Kredit-da bu jarayon avtomatlashtirilgan va qat\u02bciy tartibga solingan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ekspert to\u02bbrtta asosiy parametrga qaraydi:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><strong>1. Tilla probasi (Qotishma sifati)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu eng asosiy omildir. Proba sizning taqinchog\u02bbingizning bir grammida qancha sof tilla borligini ko\u02bbrsatadi. Sof tilla (999 proba) o\u02bbta yumshoq bo\u02bbladi, shu sababli mustahkamlikni ta\u02bcminlash uchun zargarlik buyumlariga boshqa metallar (ligatura) qo\u02bbshiladi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Aytgancha, tillaning qotishmalari haqida biz ushbu maqolada batafsil so\u02bbzlab berganmiz&nbsp;<\/em><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-lombard-kristal-kredit wp-block-embed-lombard-kristal-kredit\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"mGkA3jLgDl\"><a href=\"https:\/\/kristalkredit.uz\/uz\/news\/gold-sample-and-color-what-do-numbers-and-shades-mean\/\">Tilla probasi va rangi: raqamlar hamda jilolar nimani anglatadi?<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u00ab\u041f\u0440\u043e\u0431\u0430 \u0438 \u0446\u0432\u0435\u0442 \u0437\u043e\u043b\u043e\u0442\u0430: \u0447\u0442\u043e \u043e\u0437\u043d\u0430\u0447\u0430\u044e\u0442 \u0446\u0438\u0444\u0440\u044b \u0438 \u043e\u0442\u0442\u0435\u043d\u043a\u0438\u00bb \u2014 LOMBARD KRISTAL KREDIT\" src=\"https:\/\/kristalkredit.uz\/ru\/news\/gold-sample-and-color-what-do-numbers-and-shades-mean\/embed\/#?secret=naOoC3OtTM#?secret=mGkA3jLgDl\" data-secret=\"mGkA3jLgDl\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>583 \/ 585 proba<\/strong> O\u02bbzbekistondagi eng mashhur tilla (sovet davri va zamonaviy tilla). Unda 58,5% sof tilla mavjud bo\u02bbladi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>750 proba:<\/strong> Ko\u02bbpincha chet eldan keltirilgan va brend taqinchoqlarda uchraydi (75% tilla).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>916 \/ 999 proba:<\/strong> Investitsion tangalar, quymalar yoki oltin varaqlari.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br><em>MUHIM! Hamma lombardlar ham bank tillasini qabul qilavermaydi. Shu jumladan, Lombard Kristal Kredit ham.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Proba qanchalik yuqori bo\u02bblsa, har bir gramm shunchalik qimmat baholanadi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Sof vazn (\"Ortiqcha\" narsalarsiz)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Baholash qat\u02bciy ravishda qimmatbaho metallning sof vazni uchun amalga oshiriladi. Taroziga qo\u02bbyishdan oldin ekspert buyumni ko\u02bbzdan kechiradi.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agar broshka yoki uzugingizda yirik yarim qimmatbaho toshlar, fianitlar yoki qimmatbaho bo\u02bblmagan metalldan yasalgan yirik qulflar bo\u02bblsa, ularning vazni umumiy vazndan chegirib tashlanadi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>MUHIM!&nbsp;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Buyumdagi toshlar va qulflar sug\u02bburib olinmaydi\/ajratib olinmaydi.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Buyumdagi toshlar va qulflar sug\u02bburib olinmaydi\/ajratib olinmaydi.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Qimmatbaho metallar bozori o\u02bbzgaruvchandir&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O\u02bbzbekistondagi lombardlar har kuni ichki tariflarini O\u02bbzbekiston Respublikasi Markaziy banki kotirovkalari va birjadagi jahon narxlari bilan solishtirib, yangilab boradi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O\u02bbzbekiston bozorida (talab va taklifning joriy realliklarini hisobga olgan holda) eng xaridorgir 583\/585 probadagi tillaning 1 grammini sotib olish va garovga baholash qiymati o\u02bbrtacha 620 000 dan 1 050 000 so\u02bbmgacha tebranib turadi, sof 999 proba esa 1 700 000 \u2014 1 800 000 so\u02bbmgacha yetishi mumkin.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>MUHIM!&nbsp;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Aniq garov tarifi har kuni o\u02bbzgarib turadi.<\/em><br><em>Aniq garov tarifi har kuni o\u02bbzgarib turadi.<\/em><a href=\"https:\/\/kristalkredit.uz\/uz\/?utm_source=telegram_kristal&amp;utm_medium=organic&amp;utm_campaign=ssylka-v-state\"><em>kristalkredit.uz<\/em><\/a><em>)<\/em> <em>yoki botimizdagi \u201cOnlayn-baholash\u201d bo\u02bblimiga o\u02bbtib bilib olishingiz mumkin<\/em> https:\/\/t.me\/LombardKristal_bot <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Boshqa joylarda sizga aytilmaydigan muhim jihatlar:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022 Siz butun summani olishga majbur emassiz.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agar bilaguzugingiz 8 500 000 so\u02bbmga baholangan bo\u02bblsa-yu, sizga bor-yo\u02bbg\u02bbi 3 000 000 so\u02bbm kerak bo\u02bblsa \u2014 zaymni aynan o\u02bbzingizga zarur bo\u02bblgan summaga rasmiylashtirishingiz mumkin, faqat u baholash summasidan ko\u02bbp bo\u02bblmasligi kerak.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Foizlar tillaning umumiy qiymatiga emas, faqat siz amalda naqd pul qilib olgan summangizgagina hisoblanadi.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u2022 Xavfsizlik<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tilla \u00abKristal Kredit\u00bb baholovchisi qo\u02bbliga topshirilgan lahzadan boshlab, kompaniya u uchun to\u02bbliq moddiy javobgarlikni o\u02bbz zimmasiga oladi. Barcha garov mulklari sug\u02bburtalanadi va ko\u02bbp bosqichli qo\u02bbriqlash tizimiga ega maxsus seyf xonalarida saqlanadi. Siz o\u02bbz taqinchoqlaringizni qanday topshirgan bo\u02bblsangiz, aynan o\u02bbsha holatda qaytarib olasiz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Aytgancha, biz lombardimizda tilla garovi evaziga mikrozaym rasmiylashtirishning butun jarayonini videorolikda batafsil ko\u02bbrsatganmiz. Uni bu yerda tomosha qilishingiz mumkin<\/em> <a href=\"https:\/\/\/uz\/ \/\/t.me\/lombard_kristalkredit\/138\/\">https: \/\/t.me\/lombard_kristalkredit\/138<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agar sizga hozirning o\u02bbzidayoq aniq raqam kerak bo\u02bblsa \u2014 shunchaki saytimizda ariza qoldiring.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">yoki \"Kristal Kredit\" filiallaridan biriga tashrif buyuring.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aniq manzillar va aloqa ma\u02bclumotlarini \u201cFiliallar\u201d bo\u02bblimida ko\u02bbrishingiz mumkin<a href=\"https:\/\/kristalkredit.uz\/uz\/filials\/\">https:\/\/kristalkredit.uz\/uz\/filials\/<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Baholash mutlaqo bepul va sizga hech qanday majburiyat yuklamaydi!<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041a\u043e\u0433\u0434\u0430 \u0441\u0440\u043e\u0447\u043d\u043e \u043d\u0443\u0436\u043d\u044b \u0434\u0435\u043d\u044c\u0433\u0438, \u0437\u0430\u043b\u043e\u0433 \u0437\u043e\u043b\u043e\u0442\u044b\u0445 \u0443\u043a\u0440\u0430\u0448\u0435\u043d\u0438\u0439 \u2014 \u043e\u0434\u0438\u043d \u0438\u0437 \u0431\u044b\u0441\u0442\u0440\u044b\u0445 \u0438 \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u044b\u0445 \u0441\u043f\u043e\u0441\u043e\u0431\u043e\u0432 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0435. \u041d\u0438\u043a\u0430\u043a\u0438\u0445 \u0441\u043f\u0440\u0430\u0432\u043e\u043a \u0441 \u0440\u0430\u0431\u043e\u0442\u044b. \u0412\u044b \u043f\u0440\u0438\u043d\u043e\u0441\u0438\u0442\u0435 \u0438\u0437\u0434\u0435\u043b\u0438\u0435 \u0432 \u0444\u0438\u043b\u0438\u0430\u043b Kristal Kredit, \u043e\u0446\u0435\u043d\u0449\u0438\u043a \u0432\u0437\u0432\u0435\u0448\u0438\u0432\u0430\u0435\u0442 \u0435\u0433\u043e, \u0438 \u0447\u0435\u0440\u0435\u0437 10\u201315 \u043c\u0438\u043d\u0443\u0442 \u0432\u044b \u0443\u0445\u043e\u0434\u0438\u0442\u0435 \u0441 \u0434\u0435\u043d\u044c\u0433\u0430\u043c\u0438 \u043d\u0430 \u0440\u0443\u043a\u0430\u0445. \u041d\u043e \u0438\u0437 \u0447\u0435\u0433\u043e \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e \u0441\u043a\u043b\u0430\u0434\u044b\u0432\u0430\u0435\u0442\u0441\u044f \u0441\u0443\u043c\u043c\u0430 \u0432\u044b\u0434\u0430\u0447\u0438? \u041f\u043e\u0447\u0435\u043c\u0443 \u0437\u0430 \u0446\u0435\u043f\u043e\u0447\u043a\u0443, \u043a\u0443\u043f\u043b\u0435\u043d\u043d\u0443\u044e \u0432 \u043c\u0430\u0433\u0430\u0437\u0438\u043d\u0435 \u0437\u0430 6 [&hellip;]<\/p>","protected":false},"featured_media":655,"template":"","news_category":[],"class_list":["post-652","news","type-news","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/news\/652","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":4,"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/news\/652\/revisions"}],"predecessor-version":[{"id":662,"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/news\/652\/revisions\/662"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/media\/655"}],"wp:attachment":[{"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/media?parent=652"}],"wp:term":[{"taxonomy":"news_category","embeddable":true,"href":"https:\/\/kristalkredit.uz\/uz\/wp-json\/wp\/v2\/news_category?post=652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}