In recent years, mortgage loans have become increasingly important. Also, without a system, the timely development of the capital market, including mortgage and insurance, is impossible. From this point of view, this topic is always relevant and is the focus of attention of researchers. This article analyzes the concept of mortgage insurance, its main types and implementation mechanisms. The article also indicates the main advantages of mortgage insurance for various participants in these relationships.

The article analyzes the current state of social protection of the low-income population in the Republic of Uzbekistan, the use of mortgage loans to lift them out of poverty, the provision of mortgage loans by commercial banks in housing construction in the country, and some recommendations for its further improvement are given.

This article systematically examines the socio-economic factors influencing the level of housing provision for the population. The study identifies and groups key factors such as income levels, employment status, family composition, urbanization processes, availability of mortgage lending, housing prices, state housing policy and subsidies, demographic changes, and infrastructure development. The research findings aim to determine the interrelationships among these factors and the extent of their impact on improving housing conditions for the population, while providing practical recommendations for shaping state policy and ensuring socio-economic stability

The article examines the issues of enhancing the effectiveness of regional investment policy in Uzbekistan. The study analyzes ways to reduce territorial disparities, ensure the rational use of resources, and balance investment activity across regions. Additionally, it explores the dynamics of foreign investments and capital expenditures within the framework of the “New Uzbekistan – 2030” strategy. The proposed regional differential policy mechanism is aimed at stabilizing the investment climate and reducing economic disparities between regions

In this article, in the context of the modernization of the national economy, the wider involvement of innovations in the economy of the Republic, in particular foreign innovations, makes an important contribution to the effective implementation of economic reforms carried out in our country. It is emphasized that this will be of paramount importance, as attention will be increased to assessing the effectiveness of innovative projects implemented in the national economy.