Publication Details
Abstract
Abstract: This study explores the necessity of enhancing the efficiency of the mortgage lending process in Uzbekistan. It highlights the importance of adopting internationally recognized mortgage lending practices while maintaining the country’s national context. The research analyzes current reforms, demographic trends, and government support measures aimed at improving access to housing finance. Particular attention is given to preferential mortgage programs for low-income households and first-time buyers, as well as the role of subsidies and refinancing mechanisms in expanding housing affordability. Based on a review of theoretical and practical approaches, the article proposes recommendations to strengthen the mortgage lending system and ensure its sustainable development in Uzbekistan.