The Board of the Central Bank of Uzbekistan resolved to approve a regulation on order of allocation of mortgage credits for purchase of constructed or reconstructed habitation for wide lawyers of population, including young families. The resolution entered into force on 22 July 2008.

In line with the document, the banks issue mortgage credit for purchase of flats on terms of recurrency, targeted use, etc. The size of credit cannot be higher than 75% of flat's price, independently from sources of credits, excluding credits allocated due to grants, investments, credits of international and foreign financial institutions.

Law "On mortgage" was adopted in 2006. The law serves as legal mechanism for allocatyopm pf mortgage credits.