DEVELOPMENT OF MORTGAGE LENDING PRACTICE OF COMMERCIAL BANKS
Keywords:
Mortgage, social mortgage, commercial banks, lending, long-term loans, economic development, mortgage market, bank resources, digital mortgage, collateral, housing policy, construction sector, preferential loans.Abstract
This article analyzes the mortgage lending practice of commercial banks, its economic significance and modern development trends. The importance of strengthening the bank's resource base, introducing digital mortgage platforms, improving preferential mortgage programs, and developing effective cooperation with construction organizations in the development of the mortgage market is highlighted. The economic effects of mortgage lending for the population, the economy, and banks are also considered. The article presents existing problems of the mortgage market and practical proposals for their elimination.
References
1. Ўзбекистон Республикаси Президентининг “Ипотека бозорини ривожлантириш ва аҳолини уй-жой билан таъминлашни янада такомиллаштириш чора-тадбирлари тўғрисида”ги фармонлари ва қарорлари.
2. Ўзбекистон Республикаси “Банклар ва банк фаолияти тўғрисида”ги Қонуни.
3. Ўзбекистон Республикаси Марказий банки. Ипотека кредитлаш бўйича меъёрий-ҳуқуқий ҳужжатлар тўплами. – Тошкент, 2023–2024.
4. Арслонқулов, М. Банк иши ва кредитлаш асослари. – Тошкент: “Иқтисод–Молия”, 2021.
5. Холмирзаев, Р. Банк менежменти. – Тошкент: “Фан ва технологиялар”, 2022.
6. Тожибоев, Ҳ., Ғофуров, Ш. Тижорат банклари кредит сиёсати ва кредитлаш механизми. – Тошкент: 2020.
