Uzbekistan, Tashkent – Podrobno.uz. In recent weeks, social media has been flooded with mass complaints about automatic rejections for mortgage subsidies. Citizens are outraged: they have official salaries but no housing, and the required 30 points are not being achieved. What exactly is going wrong and how applicants' ratings are calculated was explained to a Podrobno.uz correspondent by the Ministry of Economy and Finance. We publish an analysis of why obtaining state assistance in 2026 has become a real "quest."
In simple terms, a mortgage subsidy is a non-repayable financial "gift" from the state that helps a person become a homeowner. This money does not need to be returned, but it does not cover the entire purchase: state aid aims to ease the most difficult stage—making the initial down payment—or reduce the burden of monthly payments by covering part of the bank interest. Essentially, it is a targeted payment transferred from the budget directly to the bank to make mortgages affordable for family budgets and cut personal expenses on apartment purchases.
The main barrier applicants face lies in the system's very architecture. As explained by the ministry, the process is fully automated and excludes human factors: the software complex subsidiya.idm.uz operates in real time, exchanging data with the Tax Committee's databases. This is where the first difficulties arise: the system sees incomes only through the lens of official reports. If data on your salary or self-employment activity has not been updated in the tax database, the program will automatically consider you unemployed and stop processing the application.
The problem of "invisible" incomes is often exacerbated by short work experience. The agency clarifies that to calculate the average annual indicator, it is sufficient to have official income in at least one of the last three months. However, if personal income is insufficient for the passing score, the law offers a legal way out—include the earnings of close relatives in the application. Their incomes are summed, allowing the family to "reach" the required rating.
The rating itself is based on rigid mathematics, where the key factor is the absence of a roof over one's head. Immediately 20 points—two-thirds of the necessary minimum—are awarded by the system to those who have no residential property in their own name or their spouse's name across the entire republic. The remaining points are distributed depending on the "golden mean" of incomes, where each sum carries its weight in the final decision.
For these calculations, the system uses the minimum wage (MW), which as of April 2026 is 1,271,000 soums. To pass the "sieve" of digital selection, your total income must fall within strictly defined financial limits. If a family officially earns less than 3,431,700 soums (2.7 MW), the robot will instantly issue a rejection, as with such income you physically cannot handle monthly loan payments. Maximum (passing) 10 points for income can be obtained if in Tashkent your earnings do not exceed 10,168,000 soums (8 MW), and in regions—8,897,000 soums (7 MW). If your incomes are above these marks but do not exceed 11,693,200 soums (9.2 MW for the capital), the system will award only 5 points. If family incomes exceed these limits, the state politely washes its hands, considering you sufficiently well-off to solve the housing issue independently.
Additional chances are given by social bonuses, but here too there is an important catch: they are not cumulative. Even if you are simultaneously a young specialist under 30 and raising a child alone, the system will choose only one basis for awarding 5 or 10 points. The status is automatically verified through state databases of medics, teachers, and social protection agencies, so it is impossible to manually "assign" yourself a benefit. As a result, if the total score across all criteria is below 30 points, the application is blocked.
It is important to understand that each year the state approves new parameters and limits for each region. If the quota for the current financial year in your city or region is already filled, the system automatically stops accepting and rejects all new applications, even if you perfectly meet the criteria. In 2026, the window of opportunity is strictly limited: according to the presidential decree, applications for subsidies are accepted from March 16 to December 1. Submitting an application outside this period or after the regional limit is exhausted will inevitably lead to rejection.
The most painful question is whether the verdict of the "digital brain" can be challenged. The ministry states that there is no practice of manual review of points, as the system is autonomous and officials cannot interfere in its calculations. Nevertheless, the rejection is not final. Citizens can try their luck again until December 1, 2026, if their life circumstances change—for example, official work experience increases or a new social status is confirmed.
To avoid guessing, the agency recommends using the mobile application Moliyachi, where a detailed instruction is uploaded in the Subsidiya section. The issue of creating a full-fledged state online calculator is still only under discussion. Therefore, the editorial advises, before submitting an application, ensure that your credit history is clean and tax reports are transparent, otherwise even the maximum score from the state will not help gain approval from the bank.
Source: podrobno.uz