{"id":4635,"date":"2025-03-29T09:00:34","date_gmt":"2025-03-29T04:00:34","guid":{"rendered":"https:\/\/invexi.org\/?p=4635"},"modified":"2025-03-28T20:14:33","modified_gmt":"2025-03-28T15:14:33","slug":"mortgage-and-real-estate-market-in-uzbekistan-2024-overview","status":"publish","type":"post","link":"https:\/\/invexi.org\/uz\/press\/mortgage-and-real-estate-market-in-uzbekistan-2024-overview\/","title":{"rendered":"O\u2018zbekistonning ipoteka va ko\u2018chmas mulk bozori: 2024 yil yakunlari"},"content":{"rendered":"<p><\/p>\n<p class=\"\" data-start=\"145\" data-end=\"581\"><span style=\"font-size: 14pt;\"><strong>Sifatli va qulay uy-joyga ega bo\u2018lish O\u2018zbekiston davlat siyosatining asosiy yo\u2018nalishlaridan biri bo\u2018lib qolmoqda. Global beqarorlik va davom etayotgan inflyatsiya sharoitida dunyoning ko\u2018pgina mamlakatlarida, jumladan O\u2018zbekistonda ham, ko\u2018chmas mulk narxlari aholining daromadlariga nisbatan tezroq o\u2018smoqda. Shu sharoitda ipoteka kreditlarini rivojlantirish va muvozanatli uy-joy bozorini shakllantirish alohida ahamiyat kasb etadi.<\/strong><\/span><\/p>\n<p data-start=\"145\" data-end=\"581\"><span style=\"font-size: 14pt;\"><strong>Tijorat banklari tomonidan 2017-2024 yillarda birlamchi va ikkilamchi uy-joy bozoridan kvartiralar sotib olish, yakka tartibdagi uy-joylar qurish (rekonstruksiya qilish) va ta\u2019mirlash uchun 478,2 ming nafar fuqarolarga umumiy qiymati 84 trln. so\u2018mdan ko\u2018proq ipoteka kreditlari ajratilib, mazkur kreditlar qoldig\u2018i 2017 yilga nisbatan 7 barobarga oshgan holda 67,7 trln. so\u2018mga yetdi.<\/strong><\/span><\/p>\n<p data-start=\"145\" data-end=\"581\"><span style=\"font-size: 14pt;\"><strong>Mazkur davrda taklif omilini rag\u2018batlantirish maqsadida tijorat banklari tomonidan 266 ming kvartirali 5,7 mingta ko\u2018p qavatli uy-joylar qurilishini moliyalashtirish uchun pudrat tashkilotlariga jami 19 trln. so\u2018m miqdorida kreditlar ajratilgan.<\/strong><\/span><\/p>\n<p data-start=\"145\" data-end=\"581\"><span style=\"font-size: 14pt;\"><strong>Davlat va xususiy sektorning uy-joy bozorida faollashuvi natijasida joriy yil 1 yanvar holatiga ipoteka kreditlari qoldig\u2018ining YAIMga nisbati 4,8 foizni tashkil etib, 2017 yil boshiga nisbatan 2,1 foiz bandga oshdi.<\/strong><\/span><\/p>\n<p data-start=\"145\" data-end=\"581\"><span style=\"font-size: 14pt;\"><strong>Mavjud uy-joylarning uy-xo\u2018jaliklariga nisbati o\u2018sish trendini shakllantirib, 2020 yildagi 0,96 dan 1,01 gacha o\u2018sdi.<\/strong><\/span><\/p>\n<p data-start=\"145\" data-end=\"581\"><span style=\"font-size: 14pt;\"><strong>Uy-joyga bo\u2018lgan real talabning shakllanishida oila bo\u2018g\u2018inining muhim ahamiyatini qayd etib o\u2018tish lozim. Tahlillarga ko\u2018ra, mamlakatda mavjud uy-joylarning oilalar soniga nisbati yil boshiga 0,76 koeffitsiyentni tashkil etib, qolgan 24 foiz oilalar kelgusi yillarda turar joyga bo\u2018lgan talabni shakllantiruvchi asosiy omil hisoblanadi.<\/strong><\/span><\/p>\n<p data-start=\"145\" data-end=\"581\"><span style=\"font-size: 14pt;\"><strong>O\u2018zbekiston aholisining tabiiy o\u2018sishi, daromadlari va uy-joyga bo\u2018lgan talabi, urbanizatsiya darajasining joriy o\u2018sish tendensiyasini hisobga olgan holda o\u2018rta muddatli istiqbolda uy-joyga bo\u2018lgan yalpi talabning taklifga nisbatan yuqoriroq bo\u2018lishi kutilmoqda.<\/strong><\/span><\/p>\n<p data-start=\"145\" data-end=\"581\"><span style=\"font-size: 14pt;\"><strong>Mazkur xulosalar, o\u2018z navbatida, davlat va xususiy sektor tomonidan sohaga kiritilayotgan investitsiyalar hajmini oshirishga hamda turar-joylar qurilishida aholi daromadlari va uy-joy narxi o\u2018rtasidagi mutanosiblikni ta\u2019minlashga, shuningdek, ipoteka dasturlari soni va ko\u2018lamini kengaytirishga e\u2019tibor qaratishni taqozo etadi.<\/strong><\/span><\/p>\n<p data-start=\"583\" data-end=\"622\">\u00a0<\/p>\n<p class=\"\" data-start=\"583\" data-end=\"622\"><span style=\"font-size: 14pt;\"><strong data-start=\"583\" data-end=\"622\">Ipoteka bozori: 2024 yil natijalari<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"624\" data-end=\"781\"><span style=\"font-size: 14pt;\"><strong>O\u2018zbekiston Respublikasi Markaziy bankining 2024 yilgi Ipoteka kreditlari bo\u2018yicha Sharhiga ko\u2018ra, 2024 yilda aholiga berilgan ipoteka kreditlari hajmi 17,1 trln so\u2018mni tashkil etdi, bu 2023 yilga nisbatan 247 mlrd so\u2018mga yoki 1,5 foizga ko\u2018pdir. Jumladan:<\/strong><\/span><\/p>\n<ul data-start=\"783\" data-end=\"1114\">\n<li class=\"\" data-start=\"783\" data-end=\"868\">\n<p class=\"\" data-start=\"785\" data-end=\"868\"><span style=\"font-size: 14pt;\"><strong>Ipoteka kreditlarining 61 foizi birlamchi bozordan uy sotib olishga yo\u2018naltirilgan;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"869\" data-end=\"946\">\n<p class=\"\" data-start=\"871\" data-end=\"946\"><span style=\"font-size: 14pt;\"><strong>35 foizi tijorat banklarining o\u2018z mablag\u2018lari hisobidan moliyalashtirilgan;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"947\" data-end=\"1001\">\n<p class=\"\" data-start=\"949\" data-end=\"1001\"><span style=\"font-size: 14pt;\"><strong>56 foizi markazlashgan resurslar hisobidan berilgan;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"1002\" data-end=\"1114\">\n<p class=\"\" data-start=\"1004\" data-end=\"1114\"><span style=\"font-size: 14pt;\"><strong>9 foizi \u201cO\u2018zbekiston ipoteka krediti qayta moliyalash kompaniyasi\u201d AJ (UzIQMK) mexanizmlari orqali ajratilgan.<\/strong><\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"1116\" data-end=\"1274\"><span style=\"font-size: 14pt;\"><strong>Banklarning o\u2018z mablag\u2018lari hisobidan ajratilgan kreditlar ulushining ortishi moliyalashtirishning bozor mexanizmlari mustahkamlanib borayotganini ko\u2018rsatadi.<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"1276\" data-end=\"1489\"><span style=\"font-size: 14pt;\"><strong>2025 yil 1 yanvar holatiga ipoteka kreditlari bo\u2018yicha jami qarzdorlik hajmi 67,7 trln so\u2018mni tashkil etdi, bu bir yil ichida 16 foizga oshdi. Banklar kredit portfelida ipoteka kreditlari ulushi 12,7 foizga yetdi.<\/strong><\/span><\/p>\n<p data-start=\"1491\" data-end=\"1540\">\u00a0<\/p>\n<p class=\"\" data-start=\"1491\" data-end=\"1540\"><span style=\"font-size: 14pt;\"><strong data-start=\"1491\" data-end=\"1540\">Ipoteka kreditlari tuzilmasidagi o\u2018zgarishlar<\/strong><\/span><\/p>\n<ul data-start=\"1542\" data-end=\"1864\">\n<li class=\"\" data-start=\"1542\" data-end=\"1622\">\n<p class=\"\" data-start=\"1544\" data-end=\"1622\"><span style=\"font-size: 14pt;\"><strong>Boshlang\u2018ich badali 50 foizdan ortiq bo\u2018lgan kreditlar ulushi 15 foizga yetdi;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"1623\" data-end=\"1712\">\n<p class=\"\" data-start=\"1625\" data-end=\"1712\"><span style=\"font-size: 14pt;\"><strong>Kredit muddati qisqarib bormoqda: 10 yilgacha bo\u2018lgan kreditlar ulushi 17 foizga yetdi;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"1713\" data-end=\"1864\">\n<p class=\"\" data-start=\"1715\" data-end=\"1864\"><span style=\"font-size: 14pt;\"><strong>Davlat subsidiyalari hisobiga ajratilgan kreditlar ulushi 24 foizga yaqin. Bunday kreditlarning umumiy hajmi 2024 yilda 4,1 trln so\u2018mni tashkil etdi.<\/strong><\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1866\" data-end=\"1922\">\u00a0<\/p>\n<p class=\"\" data-start=\"1866\" data-end=\"1922\"><span style=\"font-size: 14pt;\"><strong data-start=\"1866\" data-end=\"1922\">Uy-joy narxlarining o\u2018sishini jilovlash mexanizmlari<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"1924\" data-end=\"2258\"><span style=\"font-size: 14pt;\"><strong>Faol qurilish ishlari tufayli uy-joy narxlari o\u2018sish sur\u2019atlari sekinlashmoqda. 2023 yilda birlamchi bozordagi narxlar 39,6 foizga oshgan bo\u2018lsa, 2024 yilda bu ko\u2018rsatkich 11,4 foizni tashkil etdi. Ikkilamchi bozorda narxlar 6,3 foizga (2023 yildagi 35,1 foizga nisbatan) oshdi. Narxlarning barqarorlashuviga quyidagilar sabab bo\u2018ldi:<\/strong><\/span><\/p>\n<ul data-start=\"2260\" data-end=\"2649\">\n<li class=\"\" data-start=\"2260\" data-end=\"2331\">\n<p class=\"\" data-start=\"2262\" data-end=\"2331\"><span style=\"font-size: 14pt;\"><strong>2024 yilda qurilishga 234 trln so\u2018mlik investitsiyalar yo\u2018naltirildi;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"2332\" data-end=\"2418\">\n<p class=\"\" data-start=\"2334\" data-end=\"2418\"><span style=\"font-size: 14pt;\"><strong>100,3 mingta xonadon foydalanishga topshirildi (2023 yilga nisbatan 29 foizga ko\u2018p);<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"2419\" data-end=\"2510\">\n<p class=\"\" data-start=\"2421\" data-end=\"2510\"><span style=\"font-size: 14pt;\"><strong>Har bir kishiga to\u2018g\u2018ri keladigan uy-joy maydoni 18,9 m\u00b2 ga yetdi (2017 yilda \u2013 15,7 m\u00b2);<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"2511\" data-end=\"2649\">\n<p class=\"\" data-start=\"2513\" data-end=\"2649\"><span style=\"font-size: 14pt;\"><strong>Odamlarning daromadlari oshdi: o\u2018rtacha oylik ish haqi 18 foizga, jon boshiga to\u2018g\u2018ri keladigan umumiy daromad esa 20,4 foizga ko\u2018paydi.<\/strong><\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2651\" data-end=\"2707\">\u00a0<\/p>\n<p class=\"\" data-start=\"2651\" data-end=\"2707\"><span style=\"font-size: 14pt;\"><strong data-start=\"2651\" data-end=\"2707\">Aholining to\u2018lov qobiliyati va uy-joyning mavjudligi<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"2709\" data-end=\"3085\"><span style=\"font-size: 14pt;\"><strong>Toshkentda 1 m\u00b2 uy narxining o\u2018rtacha oylik ish haqiga nisbati 1,98 dan 1,77 gacha tushdi, bu esa uy-joy mavjudligining yaxshilanganini anglatadi. Hududlarda bu ko\u2018rsatkich 1,24 (Qoraqalpog\u2018iston) dan 2,73 gacha (Samarqand viloyati) o\u2018zgaradi. Uy narxlari va daromadlar o\u2018rtasidagi nisbiy yaxshilanish YIM va jon boshiga to\u2018g\u2018ri keladigan daromadlar hisobida ham kuzatilmoqda.<\/strong><\/span><\/p>\n<p data-start=\"3087\" data-end=\"3138\">\u00a0<\/p>\n<p class=\"\" data-start=\"3087\" data-end=\"3138\"><span style=\"font-size: 14pt;\"><strong data-start=\"3087\" data-end=\"3138\">LTV ko\u2018rsatkichi va banklar xavfini kamaytirish<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"3140\" data-end=\"3314\"><span style=\"font-size: 14pt;\"><strong>2025 yil boshida LTV (Loan-to-Value: kredit summasining garov qiymatiga nisbati) ko\u2018rsatkichi o\u2018rtacha 63 foizni tashkil etdi, bu o\u2018tgan yilga nisbatan past. Bunga quyidagilar sabab bo\u2018ldi:<\/strong><\/span><\/p>\n<ul data-start=\"3316\" data-end=\"3696\">\n<li class=\"\" data-start=\"3316\" data-end=\"3387\">\n<p class=\"\" data-start=\"3318\" data-end=\"3387\"><span style=\"font-size: 14pt;\"><strong>Boshlang\u2018ich badali katta bo\u2018lgan qarz oluvchilar ulushining ortishi;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"3388\" data-end=\"3593\">\n<p class=\"\" data-start=\"3390\" data-end=\"3593\"><span style=\"font-size: 14pt;\"><strong>Daromadlar o\u2018sishi va shuning hisobiga ipoteka kreditlarining muddatidan oldin so\u2018ndirilishi: 2024 yilda bunday to\u2018lovlar hajmi 6,8 trln so\u2018mni tashkil etib, reja ko\u2018rsatkichidan 2,4 baravar ko\u2018p bo\u2018ldi;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"3594\" data-end=\"3696\">\n<p class=\"\" data-start=\"3596\" data-end=\"3696\"><span style=\"font-size: 14pt;\"><strong>Muddatidan oldin to\u2018lab bo\u2018lingan kreditlar soni 23,7 ming holatga yetdi (2023 yilda \u2013 23,1 mingta).<\/strong><\/span><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3698\" data-end=\"3748\">\u00a0<\/p>\n<p class=\"\" data-start=\"3698\" data-end=\"3748\"><span style=\"font-size: 14pt;\"><strong data-start=\"3698\" data-end=\"3748\">Bozor istiqbollari: talab oshishda davom etadi<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"3750\" data-end=\"3806\"><span style=\"font-size: 14pt;\"><strong>Uy-joyga talab quyidagilarga ko\u2018ra ortishda davom etadi:<\/strong><\/span><\/p>\n<ul data-start=\"3808\" data-end=\"4115\">\n<li class=\"\" data-start=\"3808\" data-end=\"3895\">\n<p class=\"\" data-start=\"3810\" data-end=\"3895\"><span style=\"font-size: 14pt;\"><strong>Aholi sonining o\u2018sishi: 2024 yilda 743 ming kishiga ko\u2018payib, 37,5 mln nafarga yetdi;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"3896\" data-end=\"3996\">\n<p class=\"\" data-start=\"3898\" data-end=\"3996\"><span style=\"font-size: 14pt;\"><strong>Nikohlar sonining yuqoriligi: 272 ming nikoh tuzilgan, ammo faqat 100,3 ming xonadon topshirilgan;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"3997\" data-end=\"4115\">\n<p class=\"\" data-start=\"3999\" data-end=\"4115\"><span style=\"font-size: 14pt;\"><strong>Uy-joy ta\u2019minoti talabdan orqada qolmoqda: uy xo\u2018jaliklari sonining oilalar soniga nisbati 0,76 darajasida qolmoqda.<\/strong><\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"4117\" data-end=\"4275\"><span style=\"font-size: 14pt;\"><strong>Shuningdek, iqtisodiy o\u2018sish sur\u2019atlari saqlanmoqda (2025\u20132026 yillarda YAIM o\u2018sishi prognozi \u2013 5,5\u20136,5%), bu esa ko\u2018chmas mulk bozoriga talabni kuchaytiradi.<\/strong><\/span><\/p>\n<p data-start=\"4277\" data-end=\"4317\">\u00a0<\/p>\n<p class=\"\" data-start=\"4277\" data-end=\"4317\"><span style=\"font-size: 14pt;\"><strong data-start=\"4277\" data-end=\"4317\">Ipoteka va investitsion jozibadorlik<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"4319\" data-end=\"4531\"><span style=\"font-size: 14pt;\"><strong>Ipotekadan takroriy foydalanayotgan qarz oluvchilar ulushi 3,9 foizga yetdi, bu esa ko\u2018chmas mulkning investitsion jozibadorligi oshayotganini ko\u2018rsatadi. Toshkentda ijara daromadliligi ham bu fikrni tasdiqlaydi:<\/strong><\/span><\/p>\n<ul data-start=\"4533\" data-end=\"4712\">\n<li class=\"\" data-start=\"4533\" data-end=\"4591\">\n<p class=\"\" data-start=\"4535\" data-end=\"4591\"><span style=\"font-size: 14pt;\"><strong>Yillik sof ijaraviy daromad (Gross Rental Yield) \u2013 8,8%;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"4592\" data-end=\"4650\">\n<p class=\"\" data-start=\"4594\" data-end=\"4650\"><span style=\"font-size: 14pt;\"><strong>Uy narxi\/ijara nisbati (Price-to-Rent Ratio) \u2013 11,4 yil;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"4651\" data-end=\"4712\">\n<p class=\"\" data-start=\"4653\" data-end=\"4712\"><span style=\"font-size: 14pt;\"><strong>Uy narxi\/daromad nisbati (Price-to-Income Ratio) \u2013 9,4 yil.<\/strong><\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"4714\" data-end=\"4771\"><span style=\"font-size: 14pt;\"><strong>Taqqoslash uchun: Moskva \u2013 17,6 yil, Dushanbe \u2013 22,9 yil.<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"4773\" data-end=\"4817\"><span style=\"font-size: 14pt;\"><strong data-start=\"4773\" data-end=\"4817\">Davlat roli: islohotlar va strategiyalar<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"4819\" data-end=\"4902\"><span style=\"font-size: 14pt;\"><strong>Davlat uy-joy bozorini rivojlantirishni quyidagi dasturlar orqali davom ettirmoqda:<\/strong><\/span><\/p>\n<ul data-start=\"4904\" data-end=\"5092\">\n<li class=\"\" data-start=\"4904\" data-end=\"4941\">\n<p class=\"\" data-start=\"4906\" data-end=\"4941\"><span style=\"font-size: 14pt;\"><strong>2030 yilgacha 1 mln xonadon qurish;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"4942\" data-end=\"4993\">\n<p class=\"\" data-start=\"4944\" data-end=\"4993\"><span style=\"font-size: 14pt;\"><strong>100 ta \u201cYangi O\u2018zbekiston\u201d massivini barpo etish;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"4994\" data-end=\"5052\">\n<p class=\"\" data-start=\"4996\" data-end=\"5052\"><span style=\"font-size: 14pt;\"><strong>2025 yilda ipoteka kreditlariga 20,9 trln so\u2018m ajratish;<\/strong><\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"5053\" data-end=\"5092\">\n<p class=\"\" data-start=\"5055\" data-end=\"5092\"><span style=\"font-size: 14pt;\"><strong>135 ming xonadon (8,1 mln m\u00b2) qurish.<\/strong><\/span><\/p>\n<\/li>\n<\/ul>\n<p class=\"\" data-start=\"5094\" data-end=\"5223\"><span style=\"font-size: 14pt;\"><strong>Shuningdek, 2024 yil may oyidan boshlab subsidiyalangan ipoteka kreditlari faqat ilgari ipoteka olmagan fuqarolarga ajratilmoqda.<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"5237\" data-end=\"5663\"><span style=\"font-size: 14pt;\"><strong>O\u2018zbekistonning uy-joy bozori barqaror rivojlanmoqda: qurilish hajmlari ortmoqda, moliyalashtirish mexanizmlari bozor tamoyillariga yaqinlashmoqda, aholi uchun uy-joy asta-sekin arzonlashmoqda. Shu bilan birga, aholining o\u2018sib borayotgan soni va urbanizatsiya sharoitida uy-joy taklifini oshirish hamda ayniqsa yosh oilalar va ijtimoiy zaif qatlamlar uchun qo\u2018llab-quvvatlash mexanizmlarini kuchaytirish muhim bo\u2018lib qolmoqda.<\/strong><\/span><\/p>\n<p class=\"\" data-start=\"5665\" data-end=\"5811\"><span style=\"font-size: 14pt;\"><strong>Manba: <a href=\"https:\/\/cbu.uz\/upload\/iblock\/0fc\/v8tp4c7azgfu9ho3gjc6onxo2vp33dve\/Mortgage-report-_-final.pdf\" target=\"_blank\" rel=\"noopener\">O\u2018zbekiston Respublikasi Markaziy banki<\/a><\/strong><\/span><\/p>\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>2024 yilda aholiga berilgan ipoteka kreditlari hajmi 17,1 trln so\u2018mni tashkil etdi, bu 2023 yilga nisbatan 247 mlrd so\u2018mga yoki 1,5 foizga ko\u2018pdir.<\/p>\n","protected":false},"author":1,"featured_media":4639,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-4635","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts\/4635","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/comments?post=4635"}],"version-history":[{"count":7,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts\/4635\/revisions"}],"predecessor-version":[{"id":4643,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/posts\/4635\/revisions\/4643"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/media\/4639"}],"wp:attachment":[{"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/media?parent=4635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/categories?post=4635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/invexi.org\/uz\/wp-json\/wp\/v2\/tags?post=4635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}