PROSPECTS FOR IMPLEMENTING GREEN MORTGAGE PROGRAMS IN UZBEKISTAN AND THEIR ECONOMIC EFFICIENCY
DOI:
https://doi.org/10.60078/2992-877X-2025-vol3-iss11-pp130-135Abstract
This article examines the prospects of implementing “green mortgage” programs in Uzbekistan and their economic effectiveness. Drawing on international experience, the study explores the advantages of green mortgages, including preferential interest rates, energy-efficiency certification systems, and refinancing mechanisms for banks. The findings indicate that green mortgage programs can significantly reduce energy consumption, modernize the housing stock, lower household expenses, and improve environmental sustainability. The analysis concludes that successful implementation in Uzbekistan requires strengthening the institutional framework, expanding financial incentives, and enhancing cooperation with international financial institutions.
Keywords:
green mortgage energy efficiency preferential lending green certificationReferences
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