Self-imposed ban on selling or pledging your home via my.gov.uz from 1 October 2026

From 1 October 2026 (lex.uz, 27 Sep 2026), apartment owners in Uzbekistan can block the sale, pledge and mortgage of their own flat themselves, on my.gov.uz, the government services portal, after confirming their identity with Face ID. The rule comes from Presidential Resolution No. PP-265 of 15 July 2026 (lex.uz, 27 Sep 2026), and the ban is lifted in the same place. As of 28 September 2026, 28,842 apartments are for sale in Tashkent, and 31% of them were listed by the owners themselves.

What is the self-ban and when does it start?

A self-ban is a ban on alienation, pledge and mortgage that owners place on their own property, with no bank or court involved. It works on my.gov.uz from 1 October 2026 and covers real estate and cars that you own.

Alienation is the legal term for any transfer of ownership: selling, gifting or swapping the flat. A pledge means the flat secures a debt, and a mortgage is a pledge of real estate, usually to a bank for a home loan.

Normally a ban appears on a flat because of someone else's claim: a bank holding it as collateral, or an arrest, that is, an asset freeze. The self-ban is set by the owner, so that nobody can sell or pledge the flat behind their back. While it is in place, sale and pledge are closed to everyone, including a person who walks into a notary's office with a power of attorney in your name.

Why this matters is clear from a review of property fraud schemes published on realting.uz on 7 June 2025 (realting.uz, 27 Sep 2026). First on its list is a sale under a forged power of attorney: the fraudster takes it to a notary, sometimes a sham one, and the real owner finds out about the deal too late. Next come flats that are already pledged or frozen, fraud against people buying off-plan, one flat sold to several buyers, and fake rentals. The self-ban works against the first scheme.

How do you ban the sale of your flat via my.gov.uz?

You need three things: an account on my.gov.uz, a phone or computer with a camera for Face ID, and a flat registered in your name. The service opens on 1 October, so the steps below follow the text of the resolution, not the portal's screens.

1. Check whose name the flat is in. Only the registered owner can set the ban. If the flat is registered to your mother or your spouse, they have to go through the process. How to find the owner and the cadastre number, the flat's ID in the state property register, is covered in our guide to checking a flat by its cadastre number.
2. Log in to my.gov.uz and find the service for banning the alienation of property. Its exact name and section will be known after launch.
3. Pass the Face ID check. For individuals the resolution names only this way of confirming identity, so you cannot set the ban for an elderly parent: they have to pass the check themselves, though you can sit next to them and help.
4. Choose the flat and what to ban. The resolution lists three kinds: alienation, pledge and mortgage. Whether you can pick them separately will be clear after launch.

Companies take a different route: they need a decision of the general meeting of founders, participants or shareholders, and the ban is registered with an electronic digital signature.

If you are a foreigner who owns a flat in Tashkent, note that the resolution does not mention foreign owners separately. Whether a foreign citizen can pass the Face ID check on my.gov.uz will only be clear once the service opens.

Neither the resolution nor Gazeta.uz's summary of it mentions a fee for the service.

How do you lift the ban and how long does it take?

The owner lifts the self-ban on my.gov.uz, again with Face ID. For a bank ban under a notarised pledge agreement a time frame is set, 1 working day (gazeta.uz, 27 Sep 2026) after repayment, but for the self-ban the resolution gives none. So lift it a few days before the notary appointment, not on the morning of the sale.

Bank bans work like this. By 1 November 2026 (lex.uz, 27 Sep 2026), the Ministry of Justice, the Central Bank, the Interior Ministry and the Cadastre Agency are to set up a way to lift them after full repayment without the borrower having to apply. If a notary certified the pledge agreement, the bank sends the data to Notarius, the state system for notarial records, and the ban is lifted within a working day. If the agreement was signed directly with the bank, the end of the restriction is entered in the pledge registry without any application from the borrower.

Selling a flat you bought with a mortgage? After the last payment, check that the bank's ban is gone, and only then set the date of the sale.

Who needs a self-ban most?

Mostly owners who spend long stretches away from their flat. The forged power of attorney scheme from the same review works when the owner learns about the deal too late, and that most often happens when they are not around.

• Owners who live or work in another city or country. The flat stands empty or is rented out, and the documents are with relatives. If you bought in Tashkent and live abroad, this is you.
• Elderly owners. Face ID has to be passed in person, so the easiest way is for their children to sit down with them once and help.
• Anyone who has given a power of attorney for the flat or left the documents with an agent, a realtor or an acquaintance.

The ban mainly gets in the way of sellers. As of 28 September 2026, owners themselves are selling 8,990 apartments in Tashkent, 31% of the market once duplicates are removed (you can browse them under apartments from owners). If you are one of them and have already set a ban, lift it before the buyer pays.

The ban does not stop you from renting the flat out: the resolution covers sale, pledge and mortgage and says nothing about renting.

What else is coming to my.gov.uz on 1 October?

From the same 1 October 2026 the portal adds three more features. For a homeowner the key one is a notification about every new notarial action in your name.

If someone gets a power of attorney in your name certified by a notary, you learn about it from the notification, not after the flat has already been re-registered. The other two features cover phone numbers and bank cards registered to you.

Based on the text of the resolution on lex.uz, checked on 27 September 2026. As of that date the services were not yet open on the portal.

What does the self-ban not cover?

The resolution names three actions you can ban: sale, pledge and mortgage. Everything else, including other people's flats, rentals and money paid to a developer, is outside it.

• A buyer of someone else's flat. Owners set the ban on their own property. As a buyer you still check the owner, pledges and freezes yourself. The full path from viewing to the cadastre record is in our 10-step guide to buying a flat.
• A tenant. Fake rentals with borrowed photos and upfront payment are in the same realting.uz review, but the self-ban has nothing to do with them. How to spot one is covered in our piece on rental fraud, and you can compare a listing's rent with its district on the rental prices page.
• Someone buying off-plan. A flat in a building under construction, bought under a contract with the developer, is not mentioned in the resolution, and the ban will not return money paid to a fake developer (that scheme is also in the realting.uz review). What changed this year in how home purchases are paid for is covered in our article on the new rules for property deals.

How we counted

• The self-ban procedure and deadlines come from the text of the resolution on lex.uz, read on 27 September 2026. The detail about lifting a bank ban within one working day is from Gazeta.uz's summary of 16 July 2026.
• Number of apartments: OLX and uybor listings as of 28 September 2026 in 11 districts of Tashkent, excluding Yangihayot, with copies of the same flat merged. A seller counts as an owner if the platform marks them as a private person.
• There is no service screen yet on that date: the steps are based on the resolution and will be checked against the portal after 1 October.

If you are looking for a flat, the UyScan bot sends new listings for your district and budget, and all listings without duplicates are in search. Other questions about the service are answered in the FAQ.