Common questions

Any adult citizen of Uzbekistan or foreigner who passes verification. Companies can invest too.

One share costs UZS 100,000 and the minimum is ten shares, so UZS 1,000,000.

A participation share in the property company that owns the property, confirmed by an electronic contract, a certificate and a register entry.

Quarterly: net rental income is divided across all shares and paid into your UYM wallet. Withdraw it to a card or reinvest.

Dividend estimates are 5–8% a year and appreciation 7–11% a year. These are estimates, not promises: returns may be lower.

In the first three days after buying, yes, without a reason. After six months you can sell on the platform’s secondary market.

If the minimum is not raised by the deadline, all money returns to your account within one business day.

Properties belong to property companies, not to UYM. Shareholders stay owners and management can move to another company.

Dividends paid to individuals carry 5% tax withheld at source. The property company pays property and profit tax, already included in the estimate.

With an Uzcard, Humo or Visa card via Payme, Click or Uzum Bank, or by bank transfer.

Without it, limits apply: 30 BCA per property and 150 BCA a year. An eight-question test lifts them at 75% correct.

We look at yield, area, condition and clean title. Each one is checked by a lawyer, an independent appraiser and an engineer.