Management of Apartment Buildings: Current State, Problems, Solutions

Baryshnikova, Natalia; Altukhov, P. L.; Dushevina, Elena Mikhailovna

doi:10.55186/2413046x_2022_7_9_515

Cited by 1 publication

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“…The share of mortgage loans in the total volume of loans issued to individuals increased from 23.4% in 2018 to 41.7% in 2023 (Mustafakulov, 2022). The weighted average interest rate on mortgage loans in the national currency decreased from 23.8% per annum in 2018 to 17.6% in 2023, which is due to measures of state support for mortgage lending and increased competition between commercial banks (Baryshnikova et al, 2022). The average term of a mortgage loan increased from 12.4 years in 2018 to 15.7 years in 2023.…”

Section: Resultsmentioning

confidence: 99%

Enhancing Housing Finance for Socio-Economic Stability in Uzbekistan

Olim,

Balbaa,

Mukhabbatkhon

et al. 2024

IJEFI

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This study is devoted to the analysis of the current state and prospects for improving housing finance in Uzbekistan in the period from 2018 to 2023. The purpose of the work is to identify key factors affecting the socio-economic stability of the country through the prism of housing sector development, and to develop practical recommendations for optimizing housing finance mechanisms. An analysis of the dynamics of key indicators of the housing sector in Uzbekistan for 2018-2023 revealed a positive trend in the growth of housing construction by 28.6% (from 12.3 million square meters in 2018 to 15.8 million square meters in 2023), an increase in the share of mortgage lending in the structure of housing finance from 23.4% to 41.7%, as well as an increase in the level of housing provision for the population increased from 15.9 sq.m. per person in 2018 to 17.4 sq.m. in 2023. At the same time, there are still imbalances in the territorial distribution of housing construction volumes and the availability of mortgage loans for various segments of the population. The econometric analysis showed that an increase in housing construction by 1% leads to an increase in GDP by 0.28%, and an increase in the share of mortgage lending by 1 percentage point contributes to a decrease in the unemployment rate by 0.14 percentage points.

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Section: Resultsmentioning

confidence: 99%