Tashkent, Uzbekistan (UzDaily.uz) — Uzbekistan has approved a system of housing subsidies for professionals in culture, the arts and literature who buy apartments with mortgage loans, the Huquqiy axborot channel reported.
The procedure was approved by government resolution No. 618, dated 11 November 2026.
The subsidies will apply to apartments purchased on the primary housing market through mortgage loans refinanced by the Ministry of Economy and Finance. The property must be located in the region where the applicant's main place of work is based.
Applications can be submitted through public service centres or the my.gov.uz Unified Portal of Interactive Public Services.
Applicants' eligibility will be checked automatically through information systems. The assessment will include the combined income of the applicant and their spouse.
Authorities will also check whether the applicant or their spouse has owned residential property anywhere in Uzbekistan during the previous two years.
Applicants must have at least three years of work experience in culture, the arts or literature. The criteria also include holding a licence to work in the relevant fields during the previous three years.
Each family may receive the subsidy only once.
After receiving notification that the subsidy has been granted, applicants must sign an agreement with a construction contractor or property developer to buy an apartment on the primary market using a mortgage loan.
If a subsidy intended to cover part of the down payment is not used within 30 days of its transfer, the bank must return the funds to Uzbekistan's republican budget.
