Array ( [0] => Array ( [TEXT] => Вклады:uz:Omonatlar [LINK] => /uz/deposits [SELECTED] => 1 [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 0 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [ADV] => MENU_DEPOSIT ) [CHAIN] => Array ( [0] => Вклады:uz:Omonatlar ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [1] => Array ( [TEXT] => Сумовые вклады:uz:So'm omonatlari [LINK] => /uz/deposits/sumovye-vklady [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 1 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Сумовые вклады:uz:So'm omonatlari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [2] => Array ( [TEXT] => Валютные вклады:uz:Valyuta omonatlari [LINK] => /uz/deposits/valyutnye-vklady [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 2 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Валютные вклады:uz:Valyuta omonatlari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) ) ) [3] => Array ( [TEXT] => Кредиты:uz:Kreditlar [LINK] => /uz/credits [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 3 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [ADV] => MENU_CREDIT ) [CHAIN] => Array ( [0] => Кредиты:uz:Kreditlar ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [4] => Array ( [TEXT] => Автокредит:uz:Avto kredit [LINK] => /uz/credits/avtokredit [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 4 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Автокредит:uz:Avto kredit ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [5] => Array ( [TEXT] => Микрозаймы:uz:Mikroqarz [LINK] => /uz/credits/mikrozaymy [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 5 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Микрозаймы:uz:Mikroqarz ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [6] => Array ( [TEXT] => Образовательный кредит:uz:Ta'lim krediti [LINK] => /uz/credits/obrazovatelnyy-kredit [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 6 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Образовательный кредит:uz:Ta'lim krediti ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [7] => Array ( [TEXT] => Овердрафт:uz:Overdraft [LINK] => /uz/credits/overdraft [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 7 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Овердрафт:uz:Overdraft ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [8] => Array ( [TEXT] => Потребительский кредит:uz:Iste'mol krediti [LINK] => /uz/credits/potrebitelskiy-kredit [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 8 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Потребительский кредит:uz:Iste'mol krediti ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) ) ) [9] => Array ( [TEXT] => Ипотека:uz:Ipoteka [LINK] => /uz/ipoteka [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 9 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [ADV] => MENU_IPOTEKA ) [CHAIN] => Array ( [0] => Ипотека:uz:Ipoteka ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [10] => Array ( [TEXT] => Новостройки:uz:Yangi qurilgan uylar [LINK] => /uz/ipoteka/novostroyki [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 10 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Новостройки:uz:Yangi qurilgan uylar ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [11] => Array ( [TEXT] => Вторичный рынок:uz:Ikkilamchi bozor [LINK] => /uz/ipoteka/vtorichnyy-rynok [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 11 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Вторичный рынок:uz:Ikkilamchi bozor ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) ) ) [12] => Array ( [TEXT] => Карты:uz:Kartalar [LINK] => /uz/cards [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 12 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [ADV] => MENU_CARDS ) [CHAIN] => Array ( [0] => Карты:uz:Kartalar ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [13] => Array ( [TEXT] => Сумовые карты:uz:So'm kartalari [LINK] => /uz/cards/sumovye-karty [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 13 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Сумовые карты:uz:So'm kartalari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [14] => Array ( [TEXT] => Валютные карты:uz:Valyuta kartalari [LINK] => /uz/cards/valyutnye-karty [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 14 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Валютные карты:uz:Valyuta kartalari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [15] => Array ( [TEXT] => Валютные карты:uz:Valyuta kartalari;Дебетовые карты:uz:Debet kartalar [LINK] => /uz/cards/valyutnye-karty-uz-valyuta-kartalari-debetovye-karty-uz-debet-kartalar [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 15 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Валютные карты:uz:Valyuta kartalari;Дебетовые карты:uz:Debet kartalar ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [16] => Array ( [TEXT] => Дебетовые карты:uz:Debet kartalar [LINK] => /uz/cards/debetovye-karty [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 16 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Дебетовые карты:uz:Debet kartalar ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [17] => Array ( [TEXT] => Кредитные карты:uz:Kredit kartalar [LINK] => /uz/cards/kreditnye-karty [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 17 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Кредитные карты:uz:Kredit kartalar ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) [18] => Array ( [TEXT] => Сумовые карты:uz:So'm kartalari;Валютные карты:uz:Valyuta kartalari [LINK] => /uz/cards/sumovye-karty-uz-so-m-kartalari-valyutnye-karty-uz-valyuta-kartalari [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 18 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Сумовые карты:uz:So'm kartalari;Валютные карты:uz:Valyuta kartalari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => ) ) ) [19] => Array ( [TEXT] => Muddatli to‘lov [LINK] => /uz/rassrochka [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 19 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 1 [ADV] => MENU_BRANCHES ) [CHAIN] => Array ( [0] => Muddatli to‘lov ) [DEPTH_LEVEL] => 1 [IS_PARENT] => ) [20] => Array ( [TEXT] => Страхование [LINK] => /uz/insurance [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 20 [PARAMS] => Array ( [max_depth] => 2 [FROM_IBLOCK] => [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [ADV] => MENU_INSURANCE ) [CHAIN] => Array ( [0] => Страхование ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [21] => Array ( [TEXT] => Физическим лицам:uz:Jismoniy shaxslar uchun [LINK] => /uz/insurance/fizicheskim-litsa [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 21 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Физическим лицам:uz:Jismoniy shaxslar uchun ) [DEPTH_LEVEL] => 2 [IS_PARENT] => [child] => Array ( [22] => Array ( [TEXT] => Автострахование:uz:Avtosug'urta [LINK] => /uz/insurance/avtostrakhovanie [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 22 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Автострахование:uz:Avtosug'urta ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [23] => Array ( [TEXT] => Путешествие:uz:Sayohatchilar sug'urtasi [LINK] => /uz/insurance/puteshestvie [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 23 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Путешествие:uz:Sayohatchilar sug'urtasi ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [24] => Array ( [TEXT] => Имущество:uz:Mulk [LINK] => /uz/insurance/imushchestvo [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 24 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Имущество:uz:Mulk ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [25] => Array ( [TEXT] => Здоровье:uz:Sog'liq [LINK] => /uz/insurance/zdorove [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 25 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Здоровье:uz:Sog'liq ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) ) [26] => Array ( [TEXT] => Юридическим лицам:uz:Yuridik shaxslar uchun [LINK] => /uz/insurance/yuridicheskim-litsam [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 26 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Юридическим лицам:uz:Yuridik shaxslar uchun ) [DEPTH_LEVEL] => 2 [IS_PARENT] => [child] => Array ( [27] => Array ( [TEXT] => Автострахование:uz:Avtosug'urta [LINK] => /uz/insurance/avtostrakhovanie-yur [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 27 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Автострахование:uz:Avtosug'urta ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [28] => Array ( [TEXT] => Грузоперевозки:uz:Yuk tashish [LINK] => /uz/insurance/gruzoperevozki [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 28 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Грузоперевозки:uz:Yuk tashish ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [29] => Array ( [TEXT] => ОПО:uz:Xavfli ishlab chiqarish ob'ektlarini sug'urtalash [LINK] => /uz/insurance/opo [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 29 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => ОПО:uz:Xavfli ishlab chiqarish ob'ektlarini sug'urtalash ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [30] => Array ( [TEXT] => Путешествие:uz:Sayohat [LINK] => /uz/insurance/puteshestvie-yur [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 30 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Путешествие:uz:Sayohat ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [31] => Array ( [TEXT] => СМР:uz:Qurilish-montaj qaltisliklaridan sug'urta [LINK] => /uz/insurance/smr [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 31 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => СМР:uz:Qurilish-montaj qaltisliklaridan sug'urta ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) ) ) ) [32] => Array ( [TEXT] => Ilovalar reytingi [LINK] => /uz/app_rating/ [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => D [ITEM_INDEX] => 32 [PARAMS] => Array ( [max_depth] => 1 [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 1 [CLASS] => top_apps ) [CHAIN] => Array ( [0] => Ilovalar reytingi ) [DEPTH_LEVEL] => 1 [IS_PARENT] => ) [33] => Array ( [TEXT] => Yana [LINK] => javascript:void(0) [SELECTED] => [PERMISSION] => Z [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 33 [PARAMS] => Array ( [max_depth] => 2 [FROM_IBLOCK] => 1 [IS_PARENT] => 1 [DEPTH_LEVEL] => 1 [CLASS] => more_menu ) [CHAIN] => Array ( [0] => Yana ) [DEPTH_LEVEL] => 1 [IS_PARENT] => 1 [child] => Array ( [34] => Array ( [TEXT] => Tashkilotlar [LINK] => javascript:void(0) [SELECTED] => [PERMISSION] => Z [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 34 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => 1 [DEPTH_LEVEL] => 2 ) [CHAIN] => Array ( [0] => Tashkilotlar ) [DEPTH_LEVEL] => 2 [IS_PARENT] => 1 [child] => Array ( [35] => Array ( [TEXT] => Банки:uz:Banklar [LINK] => /uz/orgs/banks [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 35 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Банки:uz:Banklar ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [36] => Array ( [TEXT] => Микрокредитные организации:uz:Mikrokredit tashkilotlari [LINK] => /uz/orgs/mikrokreditnye-organizatsii [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 36 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Микрокредитные организации:uz:Mikrokredit tashkilotlari ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [37] => Array ( [TEXT] => Лизинг:uz:Lizing [LINK] => /uz/orgs/lizing [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 37 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Лизинг:uz:Lizing ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [38] => Array ( [TEXT] => [LINK] => [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 38 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => 1 [DEPTH_LEVEL] => 3 [title] => Y ) [CHAIN] => Array ( [0] => ) [DEPTH_LEVEL] => 3 [IS_PARENT] => 1 ) [39] => Array ( [TEXT] => Ломбарды:uz:Lombardlar [LINK] => /uz/orgs/lombardy [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 39 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Ломбарды:uz:Lombardlar ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [40] => Array ( [TEXT] => Страховые компании:uz:Sug'urta kompaniyalari [LINK] => /uz/orgs/strahovye-kompanii [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 40 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Страховые компании:uz:Sug'urta kompaniyalari ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) ) [41] => Array ( [TEXT] => Денежные переводы:uz:Pul o'tkazmalari [LINK] => /uz/money-transfers [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 41 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => 1 [DEPTH_LEVEL] => 2 [ADV] => MENU_MONEYTRANSFER [CLASS] => inside_head [title] => Y [tt] => Y ) [CHAIN] => Array ( [0] => Денежные переводы:uz:Pul o'tkazmalari ) [DEPTH_LEVEL] => 2 [IS_PARENT] => 1 [child] => Array ( [42] => Array ( [TEXT] => Filial va bankomatlar [LINK] => javascript:void(0) [SELECTED] => [PERMISSION] => Z [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 42 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 [pt] => Y ) [CHAIN] => Array ( [0] => Filial va bankomatlar ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [43] => Array ( [TEXT] => Филиалы:uz:Filiallar [LINK] => /uz/branches_atms/filialy [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 43 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Филиалы:uz:Filiallar ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [44] => Array ( [TEXT] => Банкоматы:uz:Bankomatlar [LINK] => /uz/branches_atms/bankomaty [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 44 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Банкоматы:uz:Bankomatlar ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) ) [45] => Array ( [TEXT] => Valyutalar kursi [LINK] => javascript:void(0) [SELECTED] => [PERMISSION] => Z [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 45 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => 1 [DEPTH_LEVEL] => 2 [SHF] => 1 ) [CHAIN] => Array ( [0] => Valyutalar kursi ) [DEPTH_LEVEL] => 2 [IS_PARENT] => 1 [child] => Array ( [46] => Array ( [TEXT] => Bugungi valyutalar kursi [LINK] => /uz/currency [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 46 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Bugungi valyutalar kursi ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) [47] => Array ( [TEXT] => Valyutalar kursi arxivi [LINK] => /uz/currency/archive [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 47 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Valyutalar kursi arxivi ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) ) ) ) [40] => Array ( [TEXT] => Страховые компании:uz:Sug'urta kompaniyalari [LINK] => /uz/orgs/strahovye-kompanii [SELECTED] => [PERMISSION] => X [ADDITIONAL_LINKS] => Array ( ) [ITEM_TYPE] => P [ITEM_INDEX] => 40 [PARAMS] => Array ( [FROM_IBLOCK] => 1 [IS_PARENT] => [DEPTH_LEVEL] => 3 ) [CHAIN] => Array ( [0] => Страховые компании:uz:Sug'urta kompaniyalari ) [DEPTH_LEVEL] => 3 [IS_PARENT] => ) ) 1
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30.01.2022
O'zbekistonda omonatlar
Omonatlar haqida. Ularning foiz stavkalariga nimalar ta'sir etadi?
Bank omonati yoki depozit – bu miqdorini ko'paytirish maqsadida, pul mablag'larni bank hisob raqamida qo'yish demakdir. Bank mijozi o'z mablag'larini bankda joylashtir natijasida, bankka ular bilan foydalanish huqudini beradi. Bank esa omonatchiga qo'yilgan mablag' summasidan kelib chiqqan holda foiz tulash majburiyatini o'zida oladi.
Omonat foiz stavkalari to'g'ridan-to'g'ri quyida omillarga bo'gliq:
1. Omonat valyutasi (so'm, AQSH dollari, yevro). So'm omonatlari foiz stavkalari yuqori bo'ladi.
2. Omonat summasi yoki miqdori. Odatda qanchalik ko'p summa omonatga qo'yilsa, foizi ham shuncha yuqori bo'ladi.
3. Omonat muddati. Uzoq muddatli omonatlar odatda qisqa muddatli omonatlardan daromatliroq bo'ladi.
4. Mablag'larni depozitdan yechish yoki depozitni to'ldirish imkoniyati. Bunday imkoniyatlar borligi odatda omonat foiziga salbiy ta'sir o'tkazadi.
Qanday qilib eng foydali omonat tanlash mumkin?
O'zbekiston sharoitida qanday qilib sarmoyalarni samarali joylashtirish mumkin? Qaysi omonatni tanlash kerak? Omonatlarni internet orqali, bankga tashfir buyurmay ochish imkoniyatlari ham bormi? Shu va omonatlar bilan bog'liq boshqa savollarga javoblarni Bank.uz saytida topishingiz mumkin. Barcha banklarning omonat takliflari bir joyda jamlanganligi, foiz stavkalari kalkulyatori, banklar reytinglari va boshqa foydali ma'lumotlar sizga to'gri qaror qabul qilishingizga va o'zinga eng to'g'ri keladigan omonat tanlshingizga yordam beradi.
Ko'pchilik bank mijozlarini foiz stavkalari masalasi qiziqtiradi. Kimgadir har oy foizlarni olish ma'qul bo'lsa, qolganlarga esa mablag'larni yaxlit holda muddat oxirida olish qiziq. Tabiiyki hamma omonatlar shartlari bir biridan farq qiladi. Saytimizda ko'rsatilgan omonat takliflarini batafsil o'rganib chiqib, o'zingiz uchun qaysi bank bilan hamkorlik qilish foydaliroq ekanligini aniqlab olishingiz mumkin.