of November 19, 2025 No. UP-219
About measures for sustainable development of the housing market and mortgage in the Republic of Uzbekistan
For the purpose of ensuring sustainable development of the housing sphere, forming of the balanced system of construction and acquisition of housing, determination of amounts of construction of housing and increase in efficiency of public administration in the field of taking into account the existing needs and requirements, and also creating favorable conditions of accommodation for each citizen proceeding from the stable economic growth, increase in population and processes of urbanization I decide:
1. Determine main objectives of this Decree ensuring the sustainable and balanced development of the housing sphere, increase twice in quantity of objects of housing annually under construction with its bringing to 421 thousand, increase more than by 10 times and finishing to 56, of 7 billion US dollars of portfolio of mortgage loans till 2040.
2. Determine the main priority directions of the sustainable and balanced development of the housing sphere:
(a) support of growth of housing stock and processes of urbanization with ensuring development of the urban environment in large agglomerations;
(b) consecutive continuation of works on improvement of housing conditions of the population and to construction of arrays of "Yangi Uzbekiston", finishing till 2040 share of modern housing in housing stock to 50 percent;
(c) attraction of bank financing and funds of institutional investors for the housing market, including by means of use of mortgage loan;
(d) protection of the rights of the physical persons bringing investments into shared-equity construction;
(e) complex reforming of the sphere of housing construction on the basis of the principle "Single lifecycle of housing" and removal of obstacles in its realization.
3. Approve:
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