THE RELATIONSHIP BETWEEN HOUSING AFFORDABILITY AND MORTGAGE FINANCING: PROSPECTS AND CHALLENGES
Keywords:
government support, financial literacy, regional differences, inflation, interest rates, Uzbek mortgage market, modernization of mortgage programs, interest rate subsidies, digitalization of lending processes.Abstract
The article is dedicated to analyzing the relationship between housing affordability and mortgage financing, with a focus on development prospects and key challenges. It explores the economic and social factors affecting housing accessibility, including household income levels, interest rates, and inflation. The study provides an analysis of the current state of the mortgage lending market and its impact on housing construction. Recommendations are offered to improve housing affordability through the enhancement of mortgage programs and the implementation of successful practices. The research findings highlight the role of mortgage financing as an important tool of social and economic policy.
References
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