03 September 2026

Unified Mortgage Lending Standards — An Important Step Towards a Sustainable and Transparent Market

The Company, in cooperation with the Central Bank of the Republic of Uzbekistan and the International Finance Corporation (IFC), has developed the "Mortgage Lending Standards" Guidelines.

These guidelines aim to establish unified, clear, and transparent approaches to mortgage loan origination and servicing, introduce international best practices, and support the further development of the mortgage market.

Key Benefits of the Mortgage Lending Standards:

• establishing mortgage lending processes based on unified and transparent standards;
• promoting a consistent methodological approach among lending institutions;
• creating a solid foundation for the development of mortgage refinancing and securitization mechanisms;
• strengthening the stability of the mortgage market and expanding access to long-term funding sources.

The Mortgage Lending Standards serve as an essential practical guide for establishing consistent approaches to mortgage lending, improving the operations of financial institutions, and supporting the development of a modern mortgage market.

🔗 The guidelines are available at the following link:

Mortgage Lending Standards Guidelines