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Soʻnggi yillarda ipoteka kreditlari tobora muhim ahamiyat kasb etmoqda. Shuningdek, kapital bozorining muvvaqiyatli rivojlanishi, shu jumladan ipoteka va sugʻurta tizimisiz mumkin emas. Shu nuqtai nazardan ushbu mavzu hamisha dolzarb va tadqiqotchilarning diqqat eʼtiboridadir. Ushbu maqolada ipoteka sugʻurtasi tushunchasi, uning asosiy turlari va amal qilish mexanizmlari tahlil qilingan. Shuningdek, maqolada ushbu munosabatlarning turli ishtirokchilari uchun ipoteka sugʻurtasining asosiy afzalliklari koʻrsatib oʻtilgan.

  • Read count 14
  • Date of publication 31-07-2025
  • Main LanguageO'zbek
  • Pages169-179
Ўзбек

Soʻnggi yillarda ipoteka kreditlari tobora muhim ahamiyat kasb etmoqda. Shuningdek, kapital bozorining muvvaqiyatli rivojlanishi, shu jumladan ipoteka va sugʻurta tizimisiz mumkin emas. Shu nuqtai nazardan ushbu mavzu hamisha dolzarb va tadqiqotchilarning diqqat eʼtiboridadir. Ushbu maqolada ipoteka sugʻurtasi tushunchasi, uning asosiy turlari va amal qilish mexanizmlari tahlil qilingan. Shuningdek, maqolada ushbu munosabatlarning turli ishtirokchilari uchun ipoteka sugʻurtasining asosiy afzalliklari koʻrsatib oʻtilgan.

Русский

В последние годы ипотечные кредиты приобретают все болшеэ значение. Также без системы невозможно своевременное развитие рынка капитала, в том числе ипотечного и страхового. С этой точки зрения данная тема всегда актуална и находится в центре внимания исследователей. В данной стате анализируется понятие ипотечного страхования, его основные виды и механизмы реализатсии. Также в стате указаны основные преимущества ипотечного страхования для различных участников данных отношений.

English

In recent years, mortgage loans have become increasingly important. Also, without a system, the timely development of the capital market, including mortgage and insurance, is impossible. From this point of view, this topic is always relevant and is the focus of attention of researchers. This article analyzes the concept of mortgage insurance, its main types and implementation mechanisms. The article also indicates the main advantages of mortgage insurance for various participants in these relationships.

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2 Abdurakhmonov PhD, I. (2020). Impact of insurance services on the development of real sector enterprises. International Finance and Accounting, (6), 7.
3 Abdurakhmonov, I. (2020) "Prospects for applying new marketing technologies in the insurance industry," International Finance and Accounting: Vol. Iss. 4, Article 6. Available at: https://uzjournals.edu.uz/interfinance/vol2020/iss4/6.
4 Abdurakhmonov, I. (2020) "Regulation of the insurance market and implementation of effective mechanisms of prudential control," International Finance and Accounting: Vol. Iss. 2, Article 10. Available at: https://uzjournals.edu.uz/interfinance/vol2020/iss2/10
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10 Яроцкая Е.В., Теслюк А.Н. (2013) Сущность, особенности и перспективы развития ипотечного страхования в России на современном этапе. Вестник науки Сибири. № 1 (7) 156-162 стр.
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12 Языков А.Д. (2011) Стратегия банка по минимизации потерь в области ипотечного жилищного кредитования // Финансы и кредит. № 44. 1-9 стр.
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