Uzbekistan Mortgage 2026: New Limits, Subsidies, and How to Get a Home Loan at a Better Rate

Key mortgage trends in 2026
The mortgage market has become more targeted. Support is now primarily aimed at lower-income families and those buying their first home. The main innovation of the year is a simplified affordability check: banks now consider not only official salary income, but also turnover on cards and e-wallets. State subsidies: what has changed?
The 2026 subsidy program has undergone important updates:
- Higher amount: the maximum subsidy for the down payment has been increased to match market real estate prices.
- Application process: you can apply via my.gov.uz or at public service centers, and the response arrives within 5 business days. Targeted use:
Subsidies can now be used for both primary housing and (in some cases) the secondary market, provided the building has passed energy-efficiency certification. Mortgage terms in banks
As of today, average market terms look like this:
- Interest rate: from 17% to 19% per year (under state programs) and from 22% for commercial products.
- Loan term: up to 20 years.
- Down payment: at least 15% of the apartment price. How to get a mortgage in Tashkent: a step-by-step plan
1) Check your credit score: make sure you have no outstanding debts on microloans or installment plans.
2) Choose a property: remember that in 2026 the purchase must be completed via cashless payment. Confirm the developer works with mortgage programs.
3) Apply for a subsidy: if you meet the criteria, do this before choosing a bank, as the certificate has a validity period.
4) Arrange insurance: in 2026, property insurance and the borrower’s life insurance are mandatory conditions to obtain the minimum rate. Outlook for the second half of 2026
By autumn, preferential mortgage limits may be exhausted due to high demand. Experts recommend applying in the first half of the year while banks still have sufficient liquidity from the Ministry of Economy and Finance.