Advanced International Experience in the use of mortgage notes as a financial instrument

Sharipova Nilufar Khikmatullayevna

Authors

Sharipova Nilufar Khikmatullayevna Associate Professor, Department of Banking Accounting and Audit, Tashkent State University of Economics, PhD Author

Abstract

The paper explores the mortgage note as a financial instrument that enhances banks’ financial stability by formalizing creditor rights, standardizing mortgage obligations, and facilitating secondary market circulation of mortgage assets. The study highlights its role in improving portfolio liquidity, reducing credit risks, and supporting secure and efficient mortgage operations. The analysis underscores the potential of mortgage notes to strengthen financial resilience and contribute to the development of a transparent and sustainable mortgage lending system.

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References

1. Law of the Republic of Uzbekistan No. ZRU 1028 of 12 February 2025 “On Amendments and Additions to Certain Legislative Acts of the Republic of Uzbekistan in Connection with Further Development of the Mortgage Lending Market”

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