Uzbekistan · Guides
How to rent and buy housing in Uzbekistan — without a realtor and without being scammed
Checklists and breakdowns: how to rent and buy housing in Uzbekistan without a realtor and without being scammed — owner verification, contract, mortgage, scam schemes.
Transaction safety
Safe transaction
≈ 9 min12 move-in checks before renting a flat in UzbekistanFrom meter readings to photographs of the furniture — what to document on move-in day so t
≈ 14 minChecking the seller's documents: what to look at and whereTitle, encumbrances, spouse's consent, illegal alterations. Which certificates you order y
≈ 7 min9 signs that a flat listing is a scamPrice below market, pressure for a deposit, refusing to meet in person — a walk-through of
≈ 11 minTenancy agreement: 8 clauses you must not sign withoutTerm, amount, increase conditions, liability for damage, deposit, termination. A template
≈ 10 minA 30-minute technical inspection of a flatCheck the wiring, plumbing, windows, wall dampness and the actual floor area. A tool list
≈ 8 minHow to transfer money safely when buying a flatLetter of credit, escrow, bank safety-deposit box, cash against a receipt — which fits the
Money and mortgage
Money, rent and mortgage
≈ 8 minHow to save for a down payment on a flat in UzbekistanWhere to keep the money so it does not lose value, how to automate the saving, and what to
≈ 9 minRent or buy: an honest calculationThe real maths of renting versus a mortgage, taking into account hidden costs, taxes, repa
≈ 10 minHow to choose a mortgage and not overpay the bankTotal cost of credit vs the headline rate, fixed and variable, mandatory and optional insu
≈ 8 minNine mistakes mortgage borrowers makeBorrowing the maximum approved sum, forgetting about a financial cushion, not comparing ba
≈ 7 minHow to save on renting a flatNegotiating with the landlord, discounts for a long term, fair splitting of utilities, pro
≈ 9 minHow to compare banks and choose a mortgage rateBehind the headline rate lurk fees, mandatory insurance and approval speed. How to compare
DomCom — housing from owners
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