TIJORAT BANKLARIDA IPOTEKA KREDITLASH AMALIYOTINING ZAMONAVIY HOLATI VA RIVOJLANISH TENDENSIYALARI
DOI:
https://doi.org/10.5281/zenodo.20324895Keywords:
mortgage loan, commercial banks, loan portfolio, housing market, bank assets, digital banking services, interest rate, financial stability, credit risk, mortgage market. KirishAbstract
This scientific article analyzes the current state and development trends of mortgage lending practices in commercial banks. The study examines the role of mortgage loans in improving living standards, their share in bank assets, and their impact on the stability of loan portfolios. In addition, the article scientifically substantiates the issues of improving mortgage lending mechanisms in commercial banks of Uzbekistan, introducing digital technologies, and applying international experience. According to the research findings, the development of the mortgage lending system is an important factor in ensuring the financial stability of the banking sector and stimulating the housing market.References
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