MODERN MECHANISMS OF FORMING LONG-TERM FINANCIAL RESOURCES IN THE MORTGAGE LENDING MARKET

Authors

  • Ruzimurodov Olim,Tashpulatova Rano Associate Professor, PhD, Samarkand Institute of Economics and Service,Student, Samarkand Institute of Economics and Service

DOI:

https://doi.org/10.55640/

Keywords:

mortgage lending, long-term financial resources, securitization, mortgage bonds, refinancing, capital market, banking system, investment, state subsidies, financial stability.

Abstract

This scientific article analyzes modern mechanisms for forming long-term financial resources in the mortgage lending market from both theoretical and practical perspectives. The study examines the role of mortgage lending in the economy, the resource base of banks, the development of capital markets, and the participation of institutional investors. It also evaluates ongoing reforms in the Republic of Uzbekistan’s mortgage market based on legal frameworks and statistical data. The article discusses the effectiveness of modern financial instruments such as securitization, mortgage bonds, refinancing institutions, and state subsidies, and provides evidence-based recommendations for further development of the mortgage financing system.

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References

1. Constitution of the Republic of Uzbekistan. – Tashkent: Uzbekistan, 2023.

2. Law of the Republic of Uzbekistan “On Mortgage”. – Tashkent: Ministry of Justice, 2006 (with subsequent amendments and additions).

3. Law of the Republic of Uzbekistan “On Banks and Banking Activities”. – Tashkent: Ministry of Justice, 2019.

4. Central Bank of the Republic of Uzbekistan. Monetary Policy Reviews and Annual Reports (2022–2025). – Tashkent.

5. Ministry of Economy and Finance of the Republic of Uzbekistan. Annual Reports on Housing Mortgage Programs. – Tashkent, 2023–2025.

6. Mortgage Loan Refinancing Company JSC. Annual Report. – Tashkent, 2024.

7. State Statistics Committee of the Republic of Uzbekistan. Statistical collections on housing construction and mortgage loans. – Tashkent, 2023–2025.

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Published

2026-05-20

Issue

Vol. 5 No. 5 (2026): Journal of Multidisciplinary Sciences and Innovations

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors retain the copyright of their manuscripts, and all Open Access articles are disseminated under the terms of the Creative Commons Attribution License 4.0 (CC-BY), which licenses unrestricted use, distribution, and reproduction in any medium, provided that the original work is appropriately cited. The use of general descriptive names, trade names, trademarks, and so forth in this publication, even if not specifically identified, does not imply that these names are not protected by the relevant laws and regulations.

How to Cite

MODERN MECHANISMS OF FORMING LONG-TERM FINANCIAL RESOURCES IN THE MORTGAGE LENDING MARKET. (2026). Journal of Multidisciplinary Sciences and Innovations, 5(5), 1435-1439. https://doi.org/10.55640/

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