{"id":9982,"date":"2025-10-28T08:41:50","date_gmt":"2025-10-28T08:41:50","guid":{"rendered":"https:\/\/oab.bedots.site\/?page_id=9982"},"modified":"2026-04-08T06:14:17","modified_gmt":"2026-04-08T06:14:17","slug":"ai-dar-home-loan","status":"publish","type":"page","link":"https:\/\/oab.bedots.site\/ar\/loans\/ai-dar-home-loan\/","title":{"rendered":"\u0642\u0631\u0636 \u0627\u0644\u062f\u0627\u0631 \u0627\u0644\u0633\u0643\u0646\u064a"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9982\" class=\"elementor elementor-9982\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-beb06b0 e-flex e-con-boxed e-con e-parent\" data-id=\"beb06b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6e000d9 e-flex e-con-boxed e-con e-child\" data-id=\"6e000d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-23a487e e-con-full e-flex e-con e-child\" data-id=\"23a487e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b48409f elementor-widget elementor-widget-heading\" data-id=\"b48409f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Al Dar Housing Loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8dd02b elementor-widget elementor-widget-oab_heading\" data-id=\"c8dd02b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_regular\">Get one step closer to your dream home with OABs flexible housing loan designed to meet your unique needs. <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-263c52f elementor-align-left elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button\" data-id=\"263c52f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M6.41384 15.8437L5.36523 14.8568L10.6608 9.23029L5.36523 3.60375L6.41384 2.61683L12.6383 9.23029L6.41384 15.8437Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2cec89 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"a2cec89\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e1520b e-flex e-con-boxed e-con e-parent\" data-id=\"7e1520b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0d8431d e-con-full iwillchangeonmobile e-flex e-con e-child\" data-id=\"0d8431d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-93e777c e-con-full e-flex e-con e-child\" data-id=\"93e777c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53901b9 elementor-widget elementor-widget-oab_heading\" data-id=\"53901b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"#benefits\"><h2 class=\"oab-heading typography-b_regular\">Features <\/h2><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37d3dfe elementor-widget elementor-widget-oab_heading\" data-id=\"37d3dfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"#services\"><h2 class=\"oab-heading typography-b_regular\">Services<\/h2><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46379d8 elementor-widget elementor-widget-oab_heading\" data-id=\"46379d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"#before_you_apply\"><h2 class=\"oab-heading typography-b_regular\">Before you Apply<\/h2><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af88c16 elementor-widget elementor-widget-oab_heading\" data-id=\"af88c16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"#help_and_support\"><h2 class=\"oab-heading typography-b_regular\">Help and Support<\/h2><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21273cc e-flex e-con-boxed e-con e-parent\" data-id=\"21273cc\" data-element_type=\"container\" data-e-type=\"container\" id=\"benefits\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f60ffc5 e-con-full e-flex e-con e-child\" data-id=\"f60ffc5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d700e20 e-con-full oab-section-heading-center-rtl e-flex e-con e-child\" data-id=\"d700e20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d676cfe elementor-widget elementor-widget-oab_heading\" data-id=\"d676cfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_regular_uppercase\">Features <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-563d24a elementor-widget elementor-widget-heading\" data-id=\"563d24a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Al Dar Housing Loan<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ba4156 e-con-full e-flex e-con e-child\" data-id=\"8ba4156\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4db4966 elementor-widget elementor-widget-text-editor\" data-id=\"4db4966\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Experience a hassle-free journey to homeownership with Oman Arab Bank\u2019s Housing Loan, offering competitive rates and personalized service to help you achieve your dream.<\/p><p>\u00a0<\/p><ul><li>Low-Interest Rate: competitive interest rate providing you with an affordable path to homeownership.<\/li><li>Flexible Eligibility for Both Omanis and Expats: Our housing loan is accessible to Omani nationals and residents, with tailored documentation requirements to ensure a smooth application process.<\/li><li>Simple Salary Transfer Requirement: Secure your loan by transferring your salary to any Oman Arab Bank branch, making it easy to manage your finances.<\/li><li>Comprehensive Loan Coverage: The loan covers a wide range of property-related needs, from evaluation and insurance to title deeds and buyer-seller agreements, ensuring your investment is fully protected.<\/li><li>Health and Property Insurance Options: Safeguard your investment with optional health declarations and property insurance, providing peace of mind for you and your family.<\/li><li>Convenient Application Process: Our streamlined application process requires minimal documentation, allowing you to focus on finding the perfect home.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1897ca5 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"1897ca5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db9d724 e-flex e-con-boxed e-con e-parent\" data-id=\"db9d724\" data-element_type=\"container\" data-e-type=\"container\" id=\"services\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6d3a400 e-con-full e-flex e-con e-child\" data-id=\"6d3a400\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4f3c19f e-con-full oab-section-heading-center-rtl e-flex e-con e-child\" data-id=\"4f3c19f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3607562 elementor-widget elementor-widget-oab_heading\" data-id=\"3607562\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_regular_uppercase\">Our Services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-094f036 elementor-widget elementor-widget-heading\" data-id=\"094f036\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Banking with OAB<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7001825 e-con-full oab-cards-center-element-rtl e-flex e-con e-child\" data-id=\"7001825\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fc80170 e-grid e-con-full e-con e-child\" data-id=\"fc80170\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9e22ca2 e-con-full e-flex e-con e-child\" data-id=\"9e22ca2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e1b509 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2e1b509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"55\" height=\"55\" viewBox=\"0 0 55 55\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9 18.5C9 8.28273 17.2827 0 27.5 0C37.7173 0 46 8.28273 46 18.5V20.1063C51.0884 20.8342 55 25.2103 55 30.5V31.5C55 36.8256 51.0352 41.2251 45.8964 41.908C45.2161 46.487 41.2683 50 36.5 50H33.8261C33.1489 52.8667 30.5736 55 27.5 55C23.9101 55 21 52.0899 21 48.5C21 44.9102 23.9101 42 27.5 42C30.5736 42 33.1489 44.1333 33.8261 47H36.5C40.0899 47 43 44.0898 43 40.5V18.5C43 9.93959 36.0604 3 27.5 3C18.9396 3 12 9.93959 12 18.5V40.5C12 41.3284 11.3284 42 10.5 42C4.70101 42 0 37.299 0 31.5V30.5C0 25.2103 3.91156 20.8342 9 20.1063V18.5ZM46 38.85C49.4234 38.1551 52 35.1284 52 31.5V30.5C52 26.8716 49.4234 23.8449 46 23.15V38.85ZM9 23.15V38.85C5.57664 38.1551 3 35.1284 3 31.5V30.5C3 26.8716 5.57664 23.8449 9 23.15ZM31 48.5C31 50.433 29.433 52 27.5 52C25.567 52 24 50.433 24 48.5C24 46.567 25.567 45 27.5 45C29.433 45 31 46.567 31 48.5Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-641127a elementor-widget elementor-widget-heading\" data-id=\"641127a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Dedicated Customer Support<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66dfe45 elementor-widget elementor-widget-oab_heading\" data-id=\"66dfe45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_large\">Access dedicated assistance through our specialized call center, 24\/7, at 2475 4444 for all your banking needs. <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e928eb e-con-full e-flex e-con e-child\" data-id=\"5e928eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9bdf294 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9bdf294\" data-element_type=\"widget\" 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data-id=\"6192e66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_large\">Experience hassle-free self-registration and access your accounts conveniently.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49d77bc e-con-full e-flex e-con e-child\" data-id=\"49d77bc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0832ec4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0832ec4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"50\" height=\"48\" viewBox=\"0 0 50 48\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M22.8888 29.0228C19.6217 28.531 16.2822 28.9925 13.2709 30.3518C10.2596 31.7111 7.70448 33.9105 5.91225 36.686C4.12003 39.4615 3.16681 42.6953 3.16699 45.9992C3.16704 46.8276 2.4955 47.4992 1.66707 47.4992C0.838647 47.4993 0.167038 46.8278 0.166992 45.9993C0.166779 42.1181 1.28658 38.3192 3.39201 35.0586C5.49744 31.798 8.49904 29.2143 12.0366 27.6174C15.5741 26.0206 19.4973 25.4785 23.3354 26.0562C27.1734 26.6339 30.7632 28.3069 33.6739 30.8743C34.2952 31.4223 34.3546 32.3702 33.8066 32.9915C33.2586 33.6128 32.3107 33.6722 31.6894 33.1242C29.2117 30.9386 26.1559 29.5145 22.8888 29.0228Z\" fill=\"white\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M20.5 3.5C16.0817 3.5 12.5 7.08172 12.5 11.5C12.5 15.9183 16.0817 19.5 20.5 19.5C24.9183 19.5 28.5 15.9183 28.5 11.5C28.5 7.08172 24.9183 3.5 20.5 3.5ZM9.5 11.5C9.5 5.42487 14.4249 0.5 20.5 0.5C26.5751 0.5 31.5 5.42487 31.5 11.5C31.5 17.5751 26.5751 22.5 20.5 22.5C14.4249 22.5 9.5 17.5751 9.5 11.5Z\" fill=\"white\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M49.3937 35.606C49.9795 36.1917 49.9795 37.1415 49.3937 37.7273L40.0603 47.0606C39.4745 47.6464 38.5248 47.6464 37.939 47.0606L33.2723 42.394C32.6866 41.8082 32.6866 40.8584 33.2723 40.2726C33.8581 39.6868 34.8079 39.6868 35.3937 40.2726L38.9997 43.8786L47.2723 35.606C47.8581 35.0202 48.8079 35.0202 49.3937 35.606Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7605366 elementor-widget elementor-widget-heading\" data-id=\"7605366\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Exclusive Offers and Benefits<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5f6ed7 elementor-widget elementor-widget-oab_heading\" data-id=\"c5f6ed7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_large\">Enjoy access to a world of unparalleled benefits and tailored services to meet your unique needs.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aef997c e-flex e-con-boxed e-con e-parent\" data-id=\"aef997c\" data-element_type=\"container\" data-e-type=\"container\" id=\"before_you_apply\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3baeddc e-con-full e-flex e-con e-child\" data-id=\"3baeddc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f4fe54c e-con-full oab-section-heading-center-rtl e-flex e-con e-child\" data-id=\"f4fe54c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80ee309 elementor-widget elementor-widget-oab_heading\" data-id=\"80ee309\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_regular_uppercase\">Before You Apply<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0188f0 elementor-widget elementor-widget-heading\" data-id=\"f0188f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Things to Know<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5abed4 e-con-full e-flex e-con e-child\" data-id=\"d5abed4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9a43dd7 e-con-full e-flex e-con e-child\" data-id=\"9a43dd7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3662d2f e-con-full e-flex e-con e-child\" data-id=\"3662d2f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11430f7 elementor-widget elementor-widget-heading\" data-id=\"11430f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Eligibility<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d0b3b5 elementor-widget elementor-widget-text-editor\" data-id=\"8d0b3b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tTo apply for a Housing Loan at OAB, you must meet the following criteria:\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d132749 e-con-full e-flex e-con e-child\" data-id=\"d132749\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-228a1a8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"228a1a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Age: 18 years or older<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Nationality: Both Omani nationals and expatriates are eligible<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-191933b e-con-full e-flex e-con e-child\" data-id=\"191933b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dd40e9c e-con-full e-flex e-con e-child\" data-id=\"dd40e9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b586e9 elementor-widget elementor-widget-heading\" data-id=\"8b586e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Documents Required\u00a0<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c3aa752 e-con-full e-flex e-con e-child\" data-id=\"c3aa752\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a077c1d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a077c1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Valid resident card and Passport copy<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Salary transfer to Oman Arab Bank branch<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Salary certificate from employer including End of service benefit<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Evaluation report<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Health declaration and insurance (if needed)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Title deed &amp; krooke<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Mala\u2019a report<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Property insurance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Buyer and seller agreement<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea35c8e e-con-full e-flex e-con e-child\" data-id=\"ea35c8e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-82aef37 e-con-full e-flex e-con e-child\" data-id=\"82aef37\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6783661 elementor-widget elementor-widget-heading\" data-id=\"6783661\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Ways to Apply<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39f3efb e-con-full e-flex e-con e-child\" data-id=\"39f3efb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03695eb elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"03695eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Online Application<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Visit OAB Apply for a Loan page.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cfae46 elementor-widget elementor-widget-text-editor\" data-id=\"0cfae46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>You can apply use the OAB Mobile Banking App:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4195169 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4195169\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Download the app from the Huawei AppGallery, App Store or Google Play Store.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3635c0f elementor-widget elementor-widget-text-editor\" data-id=\"3635c0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>In-Branch Application<\/strong><\/p><p>You can also visit any OAB branch:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbc4075 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"dbc4075\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Bring the required documents mentioned above.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Request assistance from the bank staff to apply for a Housing Loan.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-05e057d e-con-full e-flex e-con e-child\" data-id=\"05e057d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30a69fd elementor-align-left elementor-widget elementor-widget-button\" data-id=\"30a69fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/oab.bedots.site\/loans\/apply-for-a-loan\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.97687 24.6488L8.3457 23.1135L16.5832 14.3612L8.3457 5.60876L9.97687 4.07355L19.6593 14.3612L9.97687 24.6488Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae156f3 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"ae156f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/oab.bedots.site\/digital-banking\/mobile-internet-banking\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M6.41384 15.8437L5.36523 14.8568L10.6608 9.23029L5.36523 3.60375L6.41384 2.61683L12.6383 9.23029L6.41384 15.8437Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply via App<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7714e9d e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"7714e9d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c5842a e-con-full elementor-hidden-desktop e-flex e-con e-child\" data-id=\"8c5842a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c4d7d5 e-flex e-con-boxed e-con e-parent\" data-id=\"1c4d7d5\" data-element_type=\"container\" data-e-type=\"container\" id=\"help_and_support\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-57b61c5 e-con-full e-flex e-con e-child\" data-id=\"57b61c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8a4a9d8 e-con-full oab-section-heading-center-rtl e-flex e-con e-child\" data-id=\"8a4a9d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64cd857 elementor-widget elementor-widget-oab_heading\" data-id=\"64cd857\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_regular_uppercase\">Help and Support<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94e346f elementor-widget elementor-widget-heading\" data-id=\"94e346f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">We Are Here to Help<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48273d7 e-con-full e-flex e-con e-child\" data-id=\"48273d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a76ce0f oab_tab_top e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"a76ce0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"175558159\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-1755581591\" data-tab-title-id=\"e-n-tab-title-1755581591\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1755581591\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tFAQ\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1755581592\" data-tab-title-id=\"e-n-tab-title-1755581592\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1755581592\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tForm\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1755581593\" data-tab-title-id=\"e-n-tab-title-1755581593\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1755581593\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tImportant Information\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1755581591\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1755581591\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-6fa9070 e-con-full e-flex e-con e-child\" data-id=\"6fa9070\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8c60988 e-flex e-con-boxed e-con e-child\" data-id=\"8c60988\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6de988 elementor-widget elementor-widget-n-accordion\" data-id=\"a6de988\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1740\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1740\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> What is the Al Dar Housing Loan? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M3.71484 10.3355L5.25006 8.70435L14.0025 16.9419L22.7548 8.70435L24.2901 10.3355L14.0025 20.018L3.71484 10.3355Z\" fill=\"white\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24.29 18.3869L22.7548 20.0181L14.0024 11.7805L5.25004 20.0181L3.71482 18.3869L14.0024 8.70444L24.29 18.3869Z\" fill=\"white\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1740\" class=\"elementor-element elementor-element-421536d e-con-full e-flex e-con e-child\" data-id=\"421536d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1740\" class=\"elementor-element elementor-element-ec49e41 e-flex e-con-boxed e-con e-child\" data-id=\"ec49e41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50efe7b elementor-widget elementor-widget-text-editor\" data-id=\"50efe7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Al Dar Housing Loan by OAB provides flexible financing for various housing needs \u2014 whether you&#8217;re buying a completed home, under-construction property, land, renovation works, or constructing your own home.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1741\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1741\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> What is the loan-to-value (LTV) limits and down payment requirements? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M3.71484 10.3355L5.25006 8.70435L14.0025 16.9419L22.7548 8.70435L24.2901 10.3355L14.0025 20.018L3.71484 10.3355Z\" fill=\"white\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24.29 18.3869L22.7548 20.0181L14.0024 11.7805L5.25004 20.0181L3.71482 18.3869L14.0024 8.70444L24.29 18.3869Z\" fill=\"white\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1741\" class=\"elementor-element elementor-element-48ea068 e-con-full e-flex e-con e-child\" data-id=\"48ea068\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1741\" class=\"elementor-element elementor-element-1f731cf e-flex e-con-boxed e-con e-child\" data-id=\"1f731cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a1e499 elementor-widget elementor-widget-text-editor\" data-id=\"9a1e499\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Up to <strong>90% financing<\/strong> (i.e., down payment from 10%).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1742\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1742\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> What is the maximum loan tenure? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M3.71484 10.3355L5.25006 8.70435L14.0025 16.9419L22.7548 8.70435L24.2901 10.3355L14.0025 20.018L3.71484 10.3355Z\" fill=\"white\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24.29 18.3869L22.7548 20.0181L14.0024 11.7805L5.25004 20.0181L3.71482 18.3869L14.0024 8.70444L24.29 18.3869Z\" fill=\"white\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1742\" class=\"elementor-element elementor-element-be0848d e-con-full e-flex e-con e-child\" data-id=\"be0848d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1742\" class=\"elementor-element elementor-element-cf540c7 e-flex e-con-boxed e-con e-child\" data-id=\"cf540c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f105710 elementor-widget elementor-widget-text-editor\" data-id=\"f105710\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can enjoy loan tenures of <strong>up to 25 years<\/strong>, allowing for manageable instalment planning.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1743\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1743\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> Is refinancing available for existing housing loans? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M3.71484 10.3355L5.25006 8.70435L14.0025 16.9419L22.7548 8.70435L24.2901 10.3355L14.0025 20.018L3.71484 10.3355Z\" fill=\"white\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24.29 18.3869L22.7548 20.0181L14.0024 11.7805L5.25004 20.0181L3.71482 18.3869L14.0024 8.70444L24.29 18.3869Z\" fill=\"white\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1743\" class=\"elementor-element elementor-element-d0d5ab0 e-con-full e-flex e-con e-child\" data-id=\"d0d5ab0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1743\" class=\"elementor-element elementor-element-ec4aa11 e-flex e-con-boxed e-con e-child\" data-id=\"ec4aa11\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2e21d9 elementor-widget elementor-widget-text-editor\" data-id=\"f2e21d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. OAB offers <strong>buyout options<\/strong>, allowing customers to refinance loans taken with other banks under favourable terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1744\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1744\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> Does OAB participate in government housing support programs? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M3.71484 10.3355L5.25006 8.70435L14.0025 16.9419L22.7548 8.70435L24.2901 10.3355L14.0025 20.018L3.71484 10.3355Z\" fill=\"white\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"28\" height=\"28\" viewBox=\"0 0 28 28\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M24.29 18.3869L22.7548 20.0181L14.0024 11.7805L5.25004 20.0181L3.71482 18.3869L14.0024 8.70444L24.29 18.3869Z\" fill=\"white\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1744\" class=\"elementor-element elementor-element-7cb711e e-con-full e-flex e-con e-child\" data-id=\"7cb711e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1744\" class=\"elementor-element elementor-element-f23ba3d e-flex e-con-boxed e-con e-child\" data-id=\"f23ba3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1d7ccf elementor-widget elementor-widget-text-editor\" data-id=\"f1d7ccf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. OAB partners under the national <strong>&#8220;Iskan&#8221; Program<\/strong>, in collaboration with Oman Housing Bank, to provide <strong>subsidized housing loans<\/strong> for Omani citizens<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1755581592\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1755581592\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-68d6b6d e-con-full e-flex e-con e-child\" data-id=\"68d6b6d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c621902 e-flex e-con-boxed e-con e-child\" data-id=\"c621902\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bc68725 e-grid e-con-full e-con e-child\" data-id=\"bc68725\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e88b845 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e88b845\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/oab.bedots.site\/wp-content\/uploads\/2025\/11\/KFS-Al-Dar-Home-Loan-English.pdf\" target=\"_blank\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"KFS Al Dar Home Loan - English\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-file-pdf\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M369.9 97.9L286 14C277 5 264.8-.1 252.1-.1H48C21.5 0 0 21.5 0 48v416c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V131.9c0-12.7-5.1-25-14.1-34zM332.1 128H256V51.9l76.1 76.1zM48 464V48h160v104c0 13.3 10.7 24 24 24h104v288H48zm250.2-143.7c-12.2-12-47-8.7-64.4-6.5-17.2-10.5-28.7-25-36.8-46.3 3.9-16.1 10.1-40.6 5.4-56-4.2-26.2-37.8-23.6-42.6-5.9-4.4 16.1-.4 38.5 7 67.1-10 23.9-24.9 56-35.4 74.4-20 10.3-47 26.2-51 46.2-3.3 15.8 26 55.2 76.1-31.2 22.4-7.4 46.8-16.5 68.4-20.1 18.9 10.2 41 17 55.8 17 25.5 0 28-28.2 17.5-38.7zm-198.1 77.8c5.1-13.7 24.5-29.5 30.4-35-19 30.3-30.4 35.7-30.4 35zm81.6-190.6c7.4 0 6.7 32.1 1.8 40.8-4.4-13.9-4.3-40.8-1.8-40.8zm-24.4 136.6c9.7-16.9 18-37 24.7-54.7 8.3 15.1 18.9 27.2 30.1 35.5-20.8 4.3-38.9 13.1-54.8 19.2zm131.6-5s-5 6-37.3-7.8c35.1-2.6 40.9 5.4 37.3 7.8z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/oab.bedots.site\/wp-content\/uploads\/2025\/11\/KFS-Al-Dar-Home-Loan-English.pdf\" target=\"_blank\" >\n\t\t\t\t\t\t\tKFS Al Dar Home Loan - English\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28993af elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"28993af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/oab.bedots.site\/wp-content\/uploads\/2025\/11\/KFS-Al-Dar-Home-Loan-Arabic.pdf\" target=\"_blank\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"KFS AL Dar Home Loan - Arabic\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-file-pdf\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M369.9 97.9L286 14C277 5 264.8-.1 252.1-.1H48C21.5 0 0 21.5 0 48v416c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V131.9c0-12.7-5.1-25-14.1-34zM332.1 128H256V51.9l76.1 76.1zM48 464V48h160v104c0 13.3 10.7 24 24 24h104v288H48zm250.2-143.7c-12.2-12-47-8.7-64.4-6.5-17.2-10.5-28.7-25-36.8-46.3 3.9-16.1 10.1-40.6 5.4-56-4.2-26.2-37.8-23.6-42.6-5.9-4.4 16.1-.4 38.5 7 67.1-10 23.9-24.9 56-35.4 74.4-20 10.3-47 26.2-51 46.2-3.3 15.8 26 55.2 76.1-31.2 22.4-7.4 46.8-16.5 68.4-20.1 18.9 10.2 41 17 55.8 17 25.5 0 28-28.2 17.5-38.7zm-198.1 77.8c5.1-13.7 24.5-29.5 30.4-35-19 30.3-30.4 35.7-30.4 35zm81.6-190.6c7.4 0 6.7 32.1 1.8 40.8-4.4-13.9-4.3-40.8-1.8-40.8zm-24.4 136.6c9.7-16.9 18-37 24.7-54.7 8.3 15.1 18.9 27.2 30.1 35.5-20.8 4.3-38.9 13.1-54.8 19.2zm131.6-5s-5 6-37.3-7.8c35.1-2.6 40.9 5.4 37.3 7.8z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/oab.bedots.site\/wp-content\/uploads\/2025\/11\/KFS-Al-Dar-Home-Loan-Arabic.pdf\" target=\"_blank\" >\n\t\t\t\t\t\t\tKFS AL Dar Home Loan - Arabic\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c67751 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4c67751\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a href=\"https:\/\/oab.bedots.site\/wp-content\/uploads\/2025\/11\/Housing-Loan-Agreement.pdf\" target=\"_blank\" class=\"elementor-icon\" tabindex=\"-1\" aria-label=\"Al Dar Home Loan Agreement\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-file-pdf\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M369.9 97.9L286 14C277 5 264.8-.1 252.1-.1H48C21.5 0 0 21.5 0 48v416c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48V131.9c0-12.7-5.1-25-14.1-34zM332.1 128H256V51.9l76.1 76.1zM48 464V48h160v104c0 13.3 10.7 24 24 24h104v288H48zm250.2-143.7c-12.2-12-47-8.7-64.4-6.5-17.2-10.5-28.7-25-36.8-46.3 3.9-16.1 10.1-40.6 5.4-56-4.2-26.2-37.8-23.6-42.6-5.9-4.4 16.1-.4 38.5 7 67.1-10 23.9-24.9 56-35.4 74.4-20 10.3-47 26.2-51 46.2-3.3 15.8 26 55.2 76.1-31.2 22.4-7.4 46.8-16.5 68.4-20.1 18.9 10.2 41 17 55.8 17 25.5 0 28-28.2 17.5-38.7zm-198.1 77.8c5.1-13.7 24.5-29.5 30.4-35-19 30.3-30.4 35.7-30.4 35zm81.6-190.6c7.4 0 6.7 32.1 1.8 40.8-4.4-13.9-4.3-40.8-1.8-40.8zm-24.4 136.6c9.7-16.9 18-37 24.7-54.7 8.3 15.1 18.9 27.2 30.1 35.5-20.8 4.3-38.9 13.1-54.8 19.2zm131.6-5s-5 6-37.3-7.8c35.1-2.6 40.9 5.4 37.3 7.8z\"><\/path><\/svg>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<a href=\"https:\/\/oab.bedots.site\/wp-content\/uploads\/2025\/11\/Housing-Loan-Agreement.pdf\" target=\"_blank\" >\n\t\t\t\t\t\t\tAl Dar Home Loan Agreement\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1755581593\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1755581593\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-3d7e36d e-con-full e-flex e-con e-child\" data-id=\"3d7e36d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-13f10bf e-flex e-con-boxed e-con e-child\" data-id=\"13f10bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37b8ea8 elementor-widget elementor-widget-text-editor\" data-id=\"37b8ea8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"105\" data-end=\"144\"><strong data-start=\"105\" data-end=\"144\">Al Dar Home Loan (Housing Loan) T&amp;C<\/strong><\/p><hr data-start=\"146\" data-end=\"149\" \/><p data-start=\"151\" data-end=\"162\"><strong data-start=\"151\" data-end=\"162\">Purpose<\/strong><\/p><ul data-start=\"164\" data-end=\"1153\"><li data-start=\"164\" data-end=\"448\"><p data-start=\"166\" data-end=\"448\">The Borrower shall utilize the housing loan to finance the purchase, and\/or buyout of housing loans from other banks, and\/or purchase of properties within bank-approved integrated tourism projects and development and\/or construction, and\/or renovation of real estate\/the property.<\/p><\/li><li data-start=\"449\" data-end=\"676\"><p data-start=\"451\" data-end=\"492\">The housing loan will be classified as:<\/p><ul data-start=\"495\" data-end=\"676\"><li data-start=\"495\" data-end=\"589\"><p data-start=\"497\" data-end=\"589\">a \u201cPurchase Loan\u201d where the amount is used to buy vacant land or an existing property; and<\/p><\/li><li data-start=\"592\" data-end=\"676\"><p data-start=\"594\" data-end=\"676\">a \u201cConstruction Loan\u201d where the money is used to build or renovate the property.<\/p><\/li><\/ul><\/li><li data-start=\"677\" data-end=\"853\"><p data-start=\"679\" data-end=\"853\">The Loan Amount or any part thereof may not be used for any purpose other than the purpose specified in the application form submitted by the Borrower (\u201cApplication Form\u201d).<\/p><\/li><li data-start=\"854\" data-end=\"1013\"><p data-start=\"856\" data-end=\"1013\">OAB may, without being obliged to verify the use and application of the Loan, monitor or verify the use or application of the housing Loan by the Borrower.<\/p><\/li><li data-start=\"1014\" data-end=\"1153\"><p data-start=\"1016\" data-end=\"1153\">Use of the Loan for any purpose other than the purposes described in this clause shall constitute an Event of Default\/Default in Payment.<\/p><\/li><\/ul><hr data-start=\"1155\" data-end=\"1158\" \/><p data-start=\"1160\" data-end=\"1188\"><strong data-start=\"1160\" data-end=\"1188\">Termination Before Grant<\/strong><\/p><ul data-start=\"1190\" data-end=\"1585\"><li data-start=\"1190\" data-end=\"1585\"><p data-start=\"1192\" data-end=\"1351\">OAB may, by notice in writing to the Borrower, terminate this Agreement before the Grant Date or, at its sole discretion, delay grant of the Loan in case of:<\/p><ul data-start=\"1354\" data-end=\"1585\"><li data-start=\"1354\" data-end=\"1458\"><p data-start=\"1356\" data-end=\"1458\">any material and adverse change in the Borrower\u2019s circumstances since the date of this Agreement; or<\/p><\/li><li data-start=\"1461\" data-end=\"1585\"><p data-start=\"1463\" data-end=\"1585\">OAB becoming aware that any information or financial details set out in the Application Form are inaccurate or misleading.<\/p><\/li><\/ul><\/li><\/ul><hr data-start=\"1587\" data-end=\"1590\" \/><p data-start=\"1592\" data-end=\"1616\"><strong data-start=\"1592\" data-end=\"1616\">Conditions Precedent<\/strong><\/p><ul data-start=\"1618\" data-end=\"2620\"><li data-start=\"1618\" data-end=\"2009\"><p data-start=\"1620\" data-end=\"2009\">Save as OAB may otherwise agree, the Borrower may not request OAB to deposit the housing loan amount unless OAB has confirmed to the Borrower that it has received all documents and other evidence and satisfied all conditions requested by OAB and has found the same to be satisfactory, including registering the mortgage on the property in favour of the Bank and other Security Documents.<\/p><\/li><li data-start=\"2010\" data-end=\"2333\"><p data-start=\"2012\" data-end=\"2333\">If the conditions precedent are not satisfied by the Borrower pursuant to clause 3.1 within [x] days from the date of this Agreement and before the grant and drawdown of the Loan amount by the Borrower, this Agreement shall stand cancelled and have no legal effect unless the Tenor of this Agreement is extended by OAB.<\/p><\/li><li data-start=\"2334\" data-end=\"2620\"><p data-start=\"2336\" data-end=\"2620\">If OAB grants the housing Loan amount to the Borrower and it is drawn down by the Borrower and, at the same time, the Borrower does not fulfil the conditions precedent and does not submit the guarantee or Security Documents, it shall constitute an Event of Default\/Default in Payment.<\/p><\/li><\/ul><hr data-start=\"2622\" data-end=\"2625\" \/><p data-start=\"2627\" data-end=\"2654\"><strong data-start=\"2627\" data-end=\"2654\">Utilization of the Loan<\/strong><\/p><ul data-start=\"2656\" data-end=\"2845\"><li data-start=\"2656\" data-end=\"2845\"><p data-start=\"2658\" data-end=\"2845\">Subject to satisfaction of the conditions precedent referred to in clause 3, the Loan shall be granted by OAB to the Borrower in its account no. [\u25cf] maintained with OAB on the Grant Date.<\/p><\/li><\/ul><hr data-start=\"2847\" data-end=\"2850\" \/><p data-start=\"2852\" data-end=\"2864\"><strong data-start=\"2852\" data-end=\"2864\">Interest<\/strong><\/p><ul data-start=\"2866\" data-end=\"3991\"><li data-start=\"2866\" data-end=\"2937\"><p data-start=\"2868\" data-end=\"2937\">Interest shall be payable on the Loan at the rate agreed per annum.<\/p><\/li><li data-start=\"2938\" data-end=\"3127\"><p data-start=\"2940\" data-end=\"3127\">The interest payable on the Loan shall be computed on [\u25cf] basis on the principal amount of the Loan outstanding from time to time and shall be paid on each Loan instalment payment date.<\/p><\/li><li data-start=\"3128\" data-end=\"3515\"><p data-start=\"3130\" data-end=\"3515\">It is expressly agreed that the rate of interest may be varied by OAB in its discretion according to the circumstances and reasons that change the market and economic situation that require such change at any time and that any such variation shall be effective from the date of notice thereof to the Borrower or announcement thereof on the website of OAB, whichever shall be earlier.<\/p><\/li><li data-start=\"3516\" data-end=\"3667\"><p data-start=\"3518\" data-end=\"3667\">Any such variation in the rate of interest shall vary the amount of the installments to be paid by the Borrower or change in the Tenor of the Loan.<\/p><\/li><li data-start=\"3668\" data-end=\"3991\"><p data-start=\"3670\" data-end=\"3721\">OAB may, at its sole discretion, vary the amount:<\/p><ul data-start=\"3724\" data-end=\"3991\"><li data-start=\"3724\" data-end=\"3798\"><p data-start=\"3726\" data-end=\"3798\">to reflect a variation in the interest rate pursuant to this Clause 3;<\/p><\/li><li data-start=\"3801\" data-end=\"3900\"><p data-start=\"3803\" data-end=\"3900\">to take into account any additional sums that become due to OAB pursuant to this Agreement; and<\/p><\/li><li data-start=\"3903\" data-end=\"3991\"><p data-start=\"3905\" data-end=\"3991\">to ensure that the Housing Loan Debt is repaid no later than the Final Repayment Date.<\/p><\/li><\/ul><\/li><\/ul><hr data-start=\"3993\" data-end=\"3996\" \/><p data-start=\"3998\" data-end=\"4036\"><strong data-start=\"3998\" data-end=\"4036\">Debt Burden Ratio (DBR) Compliance<\/strong><\/p><ul data-start=\"4038\" data-end=\"4683\"><li data-start=\"4038\" data-end=\"4226\"><p data-start=\"4040\" data-end=\"4226\">The Borrower acknowledges that OAB has assessed the Borrower\u2019s eligibility for this loan in accordance with the Debt Burden Ratio (DBR) limit as prescribed by the regulatory authority.<\/p><\/li><li data-start=\"4227\" data-end=\"4415\"><p data-start=\"4229\" data-end=\"4415\">The Borrower confirms that, at the time of signing this Agreement, their total monthly repayment obligations do not exceed the applicable DBR threshold set by the regulatory authority.<\/p><\/li><li data-start=\"4416\" data-end=\"4556\"><p data-start=\"4418\" data-end=\"4556\">The Borrower undertakes to notify OAB in writing in case of any material change in financial obligations that may affect the DBR status.<\/p><\/li><li data-start=\"4557\" data-end=\"4683\"><p data-start=\"4559\" data-end=\"4683\">OAB reserves the right to accelerate repayment (while maintaining the DBR) if the Customer\u2019s salary increases in the future.<\/p><\/li><\/ul><hr data-start=\"4685\" data-end=\"4688\" \/><p data-start=\"4690\" data-end=\"4703\"><strong data-start=\"4690\" data-end=\"4703\">Repayment<\/strong><\/p><ul data-start=\"4705\" data-end=\"5869\"><li data-start=\"4705\" data-end=\"4882\"><p data-start=\"4707\" data-end=\"4882\">The Borrower shall repay the Loan by [number of instalments] equal monthly instalments of Riyals Omani [in letters] only and RO [in figures], together with accrued interest.<\/p><\/li><li data-start=\"4883\" data-end=\"5060\"><p data-start=\"4885\" data-end=\"5060\">The Borrower shall repay the Loan by [number of instalments] equal monthly instalments of Riyals Omani [in letters] only and RO [in figures], together with accrued interest.<\/p><\/li><li data-start=\"5061\" data-end=\"5208\"><p data-start=\"5063\" data-end=\"5208\">Notwithstanding any other condition of this Agreement, the Loan amount must be repaid in full by or on the Final Repayment Date or upon demand.<\/p><\/li><li data-start=\"5209\" data-end=\"5422\"><p data-start=\"5211\" data-end=\"5422\">OAB may, in its discretion and without any obligation to do so, upon request from the Borrower, extend the payment period and\/or the Final Repayment Date on such terms and conditions as may be mutually agreed.<\/p><\/li><li data-start=\"5423\" data-end=\"5599\"><p data-start=\"5425\" data-end=\"5599\">OAB may, at its sole discretion, vary any instalment due date in respect of the Loan to any other date if the instalment due date occurs on or during any official holidays.<\/p><\/li><li data-start=\"5600\" data-end=\"5869\"><p data-start=\"5602\" data-end=\"5869\">If at any time OAB receives less than the full amount then due and payable under this Agreement, OAB may apply the amount received for the purposes of the repayment of the Loan as OAB solely determines, notwithstanding any instruction of the Borrower to the contrary.<\/p><\/li><\/ul><hr data-start=\"5871\" data-end=\"5874\" \/><p data-start=\"5876\" data-end=\"5890\"><strong data-start=\"5876\" data-end=\"5890\">Prepayment<\/strong><\/p><ul data-start=\"5892\" data-end=\"7140\"><li data-start=\"5892\" data-end=\"6057\"><p data-start=\"5894\" data-end=\"6057\">The Borrower shall give OAB at least seven days\u2019 prior notice if he\/she requests to pay the whole or any part of the Loan after obtaining OAB\u2019s approval thereof.<\/p><\/li><li data-start=\"6058\" data-end=\"6265\"><p data-start=\"6060\" data-end=\"6265\">The Borrower acknowledges that any insurance proceeds paid or payable in respect of any insurance policy maintained pursuant to this Agreement shall be applied towards repayment of the Housing Loan Debt.<\/p><\/li><li data-start=\"6266\" data-end=\"6409\"><p data-start=\"6268\" data-end=\"6409\">Any partial or full prepayment made under this Agreement shall be made together with an early prepayment fee of [\u25cf]% of the amount prepaid.<\/p><\/li><li data-start=\"6410\" data-end=\"7140\"><p data-start=\"6412\" data-end=\"6528\">No claim of such fee shall be made if that prepayment of the Loan is the result of the death of the Borrower; and:<\/p><ul data-start=\"6531\" data-end=\"7140\"><li data-start=\"6531\" data-end=\"6658\"><p data-start=\"6533\" data-end=\"6658\">OAB is informed promptly of the death of the Borrower with the production of a certified copy of the death certificate; and<\/p><\/li><li data-start=\"6661\" data-end=\"7140\"><p data-start=\"6663\" data-end=\"6800\">neither of the following events has occurred prior to any such death (unless they have been waived by OAB or remedied by the Borrower):<\/p><ul data-start=\"6805\" data-end=\"7140\"><li data-start=\"6805\" data-end=\"6893\"><p data-start=\"6807\" data-end=\"6893\">The Borrower has breached any term of this Agreement or of any Security Document; or<\/p><\/li><li data-start=\"6898\" data-end=\"7140\"><p data-start=\"6900\" data-end=\"7140\">Any information given in support of the Application Form for the Loan, or given while this Agreement is in force, and having a negative effect on OAB\u2019s decision to grant the Loan or continue granting the Loan to the Borrower, is inaccurate.<\/p><\/li><\/ul><\/li><\/ul><\/li><\/ul><hr data-start=\"7142\" data-end=\"7145\" \/><p data-start=\"7147\" data-end=\"7163\"><strong data-start=\"7147\" data-end=\"7163\">Undertakings<\/strong><\/p><ul data-start=\"7165\" data-end=\"9477\"><li data-start=\"7165\" data-end=\"7345\"><p data-start=\"7167\" data-end=\"7345\">The Borrower shall notify OAB immediately of any change in the information or financial details supplied by the Borrower to OAB in support of the Application Form for the Loan.<\/p><\/li><li data-start=\"7346\" data-end=\"7659\"><p data-start=\"7348\" data-end=\"7659\">The Borrower must ensure that all declarations, information and documentation it provides in connection with obtaining this Loan, including but not limited to any insurance (including in respect of any insurance proposal form), is true, accurate and complete in all respects and not misleading in any respect.<\/p><\/li><li data-start=\"7660\" data-end=\"7934\"><p data-start=\"7662\" data-end=\"7934\">The Borrower agrees that it will be liable to OAB for any loss (including direct and consequential loss) that OAB incurs as a result of, or in connection with, any such information not being true, accurate and complete in all respects or being misleading in any respect.<\/p><\/li><li data-start=\"7935\" data-end=\"8201\"><p data-start=\"7937\" data-end=\"8201\">The Borrower undertakes not to exceed the Final Repayment Date of the Loan and the fulfilment of full obligations incurred in accordance with the terms of this Agreement, but the Borrower may pay the entire amount of the Loan or part thereof before the due date.<\/p><\/li><li data-start=\"8202\" data-end=\"8454\"><p data-start=\"8204\" data-end=\"8454\">The Borrower undertakes to pay the monthly instalments at an amount not less than the agreed-on amount, which consists of the interest due and the principal repayment amount (payment premium), to be used according to the Bank\u2019s absolute discretion.<\/p><\/li><li data-start=\"8455\" data-end=\"8584\"><p data-start=\"8457\" data-end=\"8584\">The Borrower hereby authorizes the Bank to debit the payment from the current account or savings account to the Loan Account.<\/p><\/li><li data-start=\"8585\" data-end=\"8863\"><p data-start=\"8587\" data-end=\"8863\">The Bank shall debit the instalment from the current account or the savings account on the date of interest payment before the end of each month or on the last working day if that day is an official holiday, or immediately upon transfer of the Borrower\u2019s salary to the Bank.<\/p><\/li><li data-start=\"8864\" data-end=\"8980\"><p data-start=\"8866\" data-end=\"8980\">If an incorrect amount is recorded, the Borrower\u2019s obligation to pay these amounts will not be affected thereby.<\/p><\/li><li data-start=\"8981\" data-end=\"9117\"><p data-start=\"8983\" data-end=\"9117\">The Borrower agrees that this Loan is granted on the condition that there shall be no deferment of payments under any circumstances.<\/p><\/li><li data-start=\"9118\" data-end=\"9477\"><p data-start=\"9120\" data-end=\"9477\">In the event that any exception to this condition is granted and a deferment is approved, the Borrower shall be solely responsible for arranging and maintaining adequate insurance coverage, acceptable to the Bank, for the full duration of the deferment period. Proof of such insurance must be provided to the Bank prior to the commencement of the deferment.<\/p><\/li><\/ul><hr data-start=\"9479\" data-end=\"9482\" \/><p data-start=\"9484\" data-end=\"9497\"><strong data-start=\"9484\" data-end=\"9497\">Insurance<\/strong><\/p><ul data-start=\"9499\" data-end=\"12347\"><li data-start=\"9499\" data-end=\"9801\"><p data-start=\"9501\" data-end=\"9801\">The Borrower or OAB may arrange life and\/or certified total permanent disability (\u201cCTPD\u201d) insurance cover (life insurance and the CTPD together the \u201cInsurance Cover\u201d) with an insurance company selected by OAB for the Borrower for the Tenor of the Loan, under which OAB shall be the sole loss payee.<\/p><\/li><li data-start=\"9802\" data-end=\"10012\"><p data-start=\"9804\" data-end=\"10012\">If the Insurance Cover is arranged by OAB and not by the Borrower, and OAB pays the insurance premium on behalf of the Borrower, the Borrower shall immediately make payment of such insurance premium to OAB.<\/p><\/li><li data-start=\"10013\" data-end=\"10171\"><p data-start=\"10015\" data-end=\"10171\">Borrower authorizes OAB to debit the Borrower\u2019s account towards payment of any premium of Insurance Cover and expenses, fees, costs etc. that it has paid.<\/p><\/li><li data-start=\"10172\" data-end=\"10398\"><p data-start=\"10174\" data-end=\"10398\">If the Borrower requests an increase in the Loan, the Borrower shall procure fresh Insurance Cover in respect of the increased Loan, in which case this clause shall apply to the payment of any premiums in relation thereto.<\/p><\/li><li data-start=\"10399\" data-end=\"10650\"><p data-start=\"10401\" data-end=\"10650\">If the Borrower is not eligible for the Insurance Cover arranged by OAB, OAB may require the Borrower to separately obtain and maintain the Insurance Cover in the Borrower\u2019s own name for the Tenor of the Loan with OAB specified as the beneficiary.<\/p><\/li><li data-start=\"10651\" data-end=\"10842\"><p data-start=\"10653\" data-end=\"10842\">The policy for Insurance Cover shall at least cover the amount of the Loan together with interest, all commissions, charges, costs and expenses including legal expenses and lawyers\u2019 fees.<\/p><\/li><li data-start=\"10843\" data-end=\"11042\"><p data-start=\"10845\" data-end=\"11042\">The Borrower shall provide OAB with the original policy for the Insurance Cover at the time when such Insurance Cover is put in place with evidence that the premium for such policy has been paid.<\/p><\/li><li data-start=\"11043\" data-end=\"11220\"><p data-start=\"11045\" data-end=\"11220\">In the event of an extension in the Tenor or the Final Repayment Date, the Borrower shall ensure that the policy for the Insurance Cover is renewed for such extended period.<\/p><\/li><li data-start=\"11221\" data-end=\"11408\"><p data-start=\"11223\" data-end=\"11408\">The Borrower shall remain responsible for completing and submitting the insurance application forms and for obtaining any health declarations and submit them to the insurance company.<\/p><\/li><li data-start=\"11409\" data-end=\"11654\"><p data-start=\"11411\" data-end=\"11654\">OAB shall not assume any responsibility for any loss in respect of the insurance policy if the Borrower has submitted any incomplete or incorrect forms in connection with the insurance policy and\/or any declarations made in relation thereto.<\/p><\/li><li data-start=\"11655\" data-end=\"11877\"><p data-start=\"11657\" data-end=\"11877\">The Borrower shall be responsible for payment of the premium, commissions, fees, etc., in respect of any insurance policy that is required to be maintained by the Borrower in accordance with these Terms and Conditions.<\/p><\/li><li data-start=\"11878\" data-end=\"11981\"><p data-start=\"11880\" data-end=\"11981\">The proceeds of such insurance, when received, shall be used by OAB to cover the Housing Loan Debt.<\/p><\/li><li data-start=\"11982\" data-end=\"12141\"><p data-start=\"11984\" data-end=\"12141\">If the Borrower prepays the full Loan Amount, any insurance premium which may be refunded by the insurance company to OAB shall be payable to the Borrower.<\/p><\/li><li data-start=\"12142\" data-end=\"12347\"><p data-start=\"12144\" data-end=\"12347\">The Borrower acknowledges that any insurance proceeds paid or payable in respect of any insurance policy maintained pursuant to this Agreement shall be applied towards repayment of the Housing Loan Debt.<\/p><\/li><\/ul><hr data-start=\"12349\" data-end=\"12352\" \/><p data-start=\"12354\" data-end=\"12396\"><strong data-start=\"12354\" data-end=\"12396\">Events of Default \/ Default in Payment<\/strong><\/p><ul data-start=\"12398\" data-end=\"15193\"><li data-start=\"12398\" data-end=\"14558\"><p data-start=\"12400\" data-end=\"12477\">Each of the events set out below is an Event of Default\/Default in Payment:<\/p><ul data-start=\"12480\" data-end=\"14558\"><li data-start=\"12480\" data-end=\"12612\"><p data-start=\"12482\" data-end=\"12612\">If the Borrower fails to make any payment due hereunder, whether of principal, interest, fees, commission, charges or otherwise;<\/p><\/li><li data-start=\"12615\" data-end=\"12695\"><p data-start=\"12617\" data-end=\"12695\">If the Borrower uses the Loan for a purpose other than that described above;<\/p><\/li><li data-start=\"12698\" data-end=\"12779\"><p data-start=\"12700\" data-end=\"12779\">If any representation or statement made by the Borrower to OAB is inaccurate;<\/p><\/li><li data-start=\"12782\" data-end=\"12807\"><p data-start=\"12784\" data-end=\"12807\">If the Borrower dies;<\/p><\/li><li data-start=\"12810\" data-end=\"12893\"><p data-start=\"12812\" data-end=\"12893\">If not self-employed, in case of resignation from or termination of employment;<\/p><\/li><li data-start=\"12896\" data-end=\"13186\"><p data-start=\"12898\" data-end=\"13186\">If there is a failure to complete any of the legal formalities relating to the Security Documents including but not limited to salary assignment in favour of OAB, mortgaging the property in favour of OAB, or the Borrower fails to fulfil any undertaking he\/she made under this Agreement;<\/p><\/li><li data-start=\"13189\" data-end=\"13272\"><p data-start=\"13191\" data-end=\"13272\">If the Borrower commits any other breach of any of the terms of this Agreement;<\/p><\/li><li data-start=\"13275\" data-end=\"13344\"><p data-start=\"13277\" data-end=\"13344\">If the Borrower breaches a term of any of the Security Documents;<\/p><\/li><li data-start=\"13347\" data-end=\"13429\"><p data-start=\"13349\" data-end=\"13429\">If the Borrower leaves the Sultanate of Oman as specified in Clause 17 hereof;<\/p><\/li><li data-start=\"13432\" data-end=\"13644\"><p data-start=\"13434\" data-end=\"13644\">If any change in law or circumstances occurs which OAB considers affects this Agreement and if OAB and the Borrower cannot agree to such changes to this Agreement to cover such change in law or circumstances;<\/p><\/li><li data-start=\"13647\" data-end=\"13770\"><p data-start=\"13649\" data-end=\"13770\">Where the change in circumstances of Borrower causes or is likely to cause the Borrower to be categorized as high risk;<\/p><\/li><li data-start=\"13773\" data-end=\"13896\"><p data-start=\"13775\" data-end=\"13896\">In the event the Borrower draws down the Loan amount without satisfying the conditions precedent to OAB\u2019s satisfaction;<\/p><\/li><li data-start=\"13899\" data-end=\"14031\"><p data-start=\"13901\" data-end=\"14031\">If the title deeds of the property are not mortgaged in favour of the Bank in the manner and time provided under this Agreement;<\/p><\/li><li data-start=\"14034\" data-end=\"14122\"><p data-start=\"14036\" data-end=\"14122\">If the end of service benefits are not credited to Borrower\u2019s account with the Bank;<\/p><\/li><li data-start=\"14125\" data-end=\"14277\"><p data-start=\"14127\" data-end=\"14277\">If there is a dispute between the Borrower and the contractor which is not settled within 30 days of its arising in the case of a construction Loan;<\/p><\/li><li data-start=\"14280\" data-end=\"14558\"><p data-start=\"14282\" data-end=\"14558\">If a third-party files a legal action against the Borrower which will significantly affect the ability of the Borrower to pay its debts, or may lead to bankruptcy, liquidation or if concluding a protective settlement with its creditors or if its assets are under attachment.<\/p><\/li><\/ul><\/li><li data-start=\"14559\" data-end=\"14722\"><p data-start=\"14561\" data-end=\"14722\">Upon the occurrence of an Event of Default, the Housing Loan Debt and any other sum then payable under this Agreement shall immediately become due and payable.<\/p><\/li><li data-start=\"14723\" data-end=\"15193\"><p data-start=\"14725\" data-end=\"14962\">If an Event of Default\/Default in Payment has occurred, then at any time thereafter, OAB may, by written notice or any other means of communication to the Borrower, do one or more of the following at any time or times and in any order:<\/p><ul data-start=\"14965\" data-end=\"15193\"><li data-start=\"14965\" data-end=\"15082\"><p data-start=\"14967\" data-end=\"15082\">Claim from the Borrower any sums due and payable together with interests and legal costs under this Agreement; or<\/p><\/li><li data-start=\"15085\" data-end=\"15193\"><p data-start=\"15087\" data-end=\"15193\">Enforce any or all of its rights under this Agreement and\/or the Security Documents, under applicable law.<\/p><\/li><\/ul><\/li><\/ul><hr data-start=\"15195\" data-end=\"15198\" \/><p data-start=\"15200\" data-end=\"15221\"><strong data-start=\"15200\" data-end=\"15221\">Interest of Delay<\/strong><\/p><ul data-start=\"15223\" data-end=\"15830\"><li data-start=\"15223\" data-end=\"15830\"><p data-start=\"15225\" data-end=\"15830\">In the event that any amount payable by the Borrower (whether of principal, interest, commitment, commission or otherwise) under or in relation to this Agreement or any related documentation is not paid on the due date, or otherwise in the manner provided for in this Agreement (or in such other documentation), the Borrower shall pay interest of delay of [\u25cf]% per annum (the \u201cInterest of Delay\u201d) on the overdue sum over and above the agreed rate of interest otherwise payable on the applicable facility from the date of default\/Default in Payment up to the date of receipt of the full loan amount by OAB.<\/p><\/li><\/ul><hr data-start=\"15832\" data-end=\"15835\" \/><p data-start=\"15837\" data-end=\"15859\"><strong data-start=\"15837\" data-end=\"15859\">Place of Residence<\/strong><\/p><ul data-start=\"15861\" data-end=\"16180\"><li data-start=\"15861\" data-end=\"15932\"><p data-start=\"15863\" data-end=\"15932\">The Borrower warrants that he\/she resides in the Sultanate of Oman.<\/p><\/li><li data-start=\"15933\" data-end=\"16180\"><p data-start=\"15935\" data-end=\"16180\">If the Borrower intends to leave the Sultanate of Oman, the Borrower undertakes to inform OAB in writing at least one month in advance and to repay the balance of the Loan outstanding and all other amounts due to OAB hereunder before so leaving.<\/p><\/li><\/ul><hr data-start=\"16182\" data-end=\"16185\" \/><p data-start=\"16187\" data-end=\"16224\"><strong data-start=\"16187\" data-end=\"16224\">Debiting and Crediting of Account<\/strong><\/p><ul data-start=\"16226\" data-end=\"17176\"><li data-start=\"16226\" data-end=\"16536\"><p data-start=\"16228\" data-end=\"16536\">The Borrower hereby authorizes OAB to debit the monthly repayment installments and interest, insurance premium, processing fees, commission, charges and any other monies due under this Agreement to the Borrower\u2019s current or savings account or any other account held with OAB until the Loan is fully repaid.<\/p><\/li><li data-start=\"16537\" data-end=\"16788\"><p data-start=\"16539\" data-end=\"16788\">The Borrower undertakes to ensure that the credit balance on such accounts will be sufficient to meet such repayment installments and the interest payable on the Loan and any other monies due under this Agreement as such sums fall due for payment.<\/p><\/li><li data-start=\"16789\" data-end=\"17176\"><p data-start=\"16791\" data-end=\"17176\">Any interest, commission, charges, costs or expenses including legal expenses and lawyer\u2019s fees due or incurred in respect of the Loan or any transaction of any kind carried out at the Borrower\u2019s order or on the Borrower\u2019s behalf, whether or not by written order, shall become part of the Borrower\u2019s liability to OAB and may be debited by it to any of the Borrower\u2019s accounts with OAB.<\/p><\/li><\/ul><hr data-start=\"17178\" data-end=\"17181\" \/><p data-start=\"17183\" data-end=\"17209\"><strong data-start=\"17183\" data-end=\"17209\">Statements of Accounts<\/strong><\/p><ul data-start=\"17211\" data-end=\"18736\"><li data-start=\"17211\" data-end=\"17386\"><p data-start=\"17213\" data-end=\"17386\">OAB shall send the Borrower monthly operative account statements via email from the date of this Agreement, provided the Borrower furnishes OAB with a valid email address.<\/p><\/li><li data-start=\"17387\" data-end=\"17624\"><p data-start=\"17389\" data-end=\"17624\">The Borrower may request additional statements from time to time. OAB\u2019s approved\/ordinary tariff from time to time (as referred to in the Tariff of Charges or otherwise approved by OAB) shall apply for any such additional statements.<\/p><\/li><li data-start=\"17625\" data-end=\"18051\"><p data-start=\"17627\" data-end=\"18051\">The Borrower undertakes to check carefully all statements of account received from OAB and, if within one month of the date of dispatch of such a statement of account to the Borrower\u2019s address as it appears in the records of OAB no objection has been received from the Borrower, then the balance shown therein will be considered correct and the Borrower may not raise any objection in respect of such statement of account.<\/p><\/li><li data-start=\"18052\" data-end=\"18265\"><p data-start=\"18054\" data-end=\"18265\">The Borrower acknowledges that should the Borrower not receive a statement of account for any period it is solely and entirely the responsibility of the Borrower to demand such a statement of account from OAB.<\/p><\/li><li data-start=\"18266\" data-end=\"18597\"><p data-start=\"18268\" data-end=\"18597\">The Borrower acknowledges and agrees that, except in the case of manifest error, a statement or a certificate duly signed on behalf of OAB shall be conclusive and binding evidence on and against the Borrower of all and any amounts due to OAB according to its books and accounts and which the Borrower is bound to pay hereunder.<\/p><\/li><li data-start=\"18598\" data-end=\"18736\"><p data-start=\"18600\" data-end=\"18736\">The Borrower specifically waives any right to challenge the correctness of any such books and accounts except as set out in clause 19.2.<\/p><\/li><\/ul><hr data-start=\"18738\" data-end=\"18741\" \/><p data-start=\"18743\" data-end=\"18760\"><strong data-start=\"18743\" data-end=\"18760\">Consolidation<\/strong><\/p><ul data-start=\"18762\" data-end=\"19772\"><li data-start=\"18762\" data-end=\"19227\"><p data-start=\"18764\" data-end=\"19227\">In addition to and without prejudice to any right of set-off to which OAB may be or become entitled by law, and in accordance with Article 346 of Oman Commercial Law issued through Royal Decree 55\/90, OAB and the Borrower expressly agree that all accounts of the Borrower with OAB, including all accounts with any other office or branch of OAB anywhere in the world and including any accounts in any foreign currency, shall constitute a single combined account.<\/p><\/li><li data-start=\"19228\" data-end=\"19483\"><p data-start=\"19230\" data-end=\"19483\">OAB and the Borrower agree for the purposes of Article 249 of Civil Transactions Law issued through Royal Decree 29\/2013 that OAB shall have and may exercise the right of voluntary set-off as between all debit and credit balances on all such accounts.<\/p><\/li><li data-start=\"19484\" data-end=\"19772\"><p data-start=\"19486\" data-end=\"19772\">The benefit of all and any security provided by the Borrower in respect of this single combined account or any part thereof shall be available to and enforceable by OAB to secure the entire outstanding balance due to OAB at any time on such single combined account and any part thereof.<\/p><\/li><\/ul><hr data-start=\"19774\" data-end=\"19777\" \/><p data-start=\"19779\" data-end=\"19801\"><strong data-start=\"19779\" data-end=\"19801\">Costs and Expenses<\/strong><\/p><ul data-start=\"19803\" data-end=\"20288\"><li data-start=\"19803\" data-end=\"20169\"><p data-start=\"19805\" data-end=\"20169\">In addition to and independent from the obligations mentioned above, the Borrower irrevocably and unconditionally undertakes to indemnify OAB against all expenses (including but not limited to court fees, legal expenses and lawyers\u2019 fees) which OAB may incur in enforcing its rights against the Borrower under this Agreement and\/or any of the Security Documents.<\/p><\/li><li data-start=\"20170\" data-end=\"20288\"><p data-start=\"20172\" data-end=\"20288\">The Borrower irrevocably authorizes OAB to deduct such costs and expenses from the Borrower\u2019s account held with OAB.<\/p><\/li><\/ul><hr data-start=\"20290\" data-end=\"20293\" \/><p data-start=\"20295\" data-end=\"20318\"><strong data-start=\"20295\" data-end=\"20318\">Currency Conversion<\/strong><\/p><ul data-start=\"20320\" data-end=\"20672\"><li data-start=\"20320\" data-end=\"20578\"><p data-start=\"20322\" data-end=\"20578\">OAB may convert any money received in connection with this Agreement and\/or the Security Documents from the currency in which it is received into any other currency that OAB requires for the purpose of, or pending, the discharge of the Housing Loan Debt.<\/p><\/li><li data-start=\"20579\" data-end=\"20672\"><p data-start=\"20581\" data-end=\"20672\">Any such conversion will be effected at OAB\u2019s then prevailing spot buying rate of exchange.<\/p><\/li><\/ul><hr data-start=\"20674\" data-end=\"20677\" \/><p data-start=\"20679\" data-end=\"20689\"><strong data-start=\"20679\" data-end=\"20689\">Waiver<\/strong><\/p><ul data-start=\"20691\" data-end=\"20990\"><li data-start=\"20691\" data-end=\"20823\"><p data-start=\"20693\" data-end=\"20823\">No omission or delay on the part of OAB in exercising any right, power or privilege hereunder shall operate as a waiver thereof.<\/p><\/li><li data-start=\"20824\" data-end=\"20990\"><p data-start=\"20826\" data-end=\"20990\">No single or partial exercise of any such right, power or privilege shall preclude any other or further exercise thereof, or of any other right, power or privilege.<\/p><\/li><\/ul><hr data-start=\"20992\" data-end=\"20995\" \/><p data-start=\"20997\" data-end=\"21018\"><strong data-start=\"20997\" data-end=\"21018\">Rights Cumulative<\/strong><\/p><ul data-start=\"21020\" data-end=\"21142\"><li data-start=\"21020\" data-end=\"21142\"><p data-start=\"21022\" data-end=\"21142\">The rights and remedies herein provided are cumulative with and not exclusive of any rights or remedies provided by law.<\/p><\/li><\/ul><hr data-start=\"21144\" data-end=\"21147\" \/><p data-start=\"21149\" data-end=\"21160\"><strong data-start=\"21149\" data-end=\"21160\">Notices<\/strong><\/p><ul data-start=\"21162\" data-end=\"21592\"><li data-start=\"21162\" data-end=\"21457\"><p data-start=\"21164\" data-end=\"21457\">Any claim, demand, summons or other notice given to OAB or to the Borrower under this Agreement shall be duly served if delivered by post with a record of delivery to his\/her or its address as specified in the Application Form, or by email (provided a valid transmission report is received).<\/p><\/li><li data-start=\"21458\" data-end=\"21592\"><p data-start=\"21460\" data-end=\"21592\">The Borrower undertakes to immediately notify OAB in writing of any subsequent change in the Borrower\u2019s address and contact details.<\/p><\/li><\/ul><hr data-start=\"21594\" data-end=\"21597\" \/><p data-start=\"21599\" data-end=\"21625\"><strong data-start=\"21599\" data-end=\"21625\">Variation of Agreement<\/strong><\/p><ul data-start=\"21627\" data-end=\"22556\"><li data-start=\"21627\" data-end=\"22004\"><p data-start=\"21629\" data-end=\"22004\">OAB shall have the right, upon modification, change, cancellation or addition to the laws in force in the Sultanate or in the event of financial, economic or other events which OAB considers to be substantially affecting the Agreement, to vary, amend, change or cancel this Agreement or to agree with the Borrower on concluding an agreement appropriate to the developments.<\/p><\/li><li data-start=\"22005\" data-end=\"22349\"><p data-start=\"22007\" data-end=\"22349\">In the event that any variation, modification or change of the Agreement is not acceptable to the Borrower, the Borrower shall immediately pay the full Loan amount with the interest up to the date of full and final payment of the Loan and shall have the right to exit the Agreement on the same terms and conditions agreed in this Agreement.<\/p><\/li><li data-start=\"22350\" data-end=\"22556\"><p data-start=\"22352\" data-end=\"22556\">Any amendment or variation made pursuant to this Clause 25 shall be notified by OAB to the Borrower and shall take effect from the date of such notice or such later time as OAB may specify in that notice.<\/p><\/li><\/ul><hr data-start=\"22558\" data-end=\"22561\" \/><p data-start=\"22563\" data-end=\"22571\"><strong data-start=\"22563\" data-end=\"22571\">Fees<\/strong><\/p><ul data-start=\"22573\" data-end=\"23510\"><li data-start=\"22573\" data-end=\"22762\"><p data-start=\"22575\" data-end=\"22762\">If the Borrower requests a deduction of the fees for the housing loan procedures, then OAB, at their absolute discretion, shall have the right to accept or reject the Borrower\u2019s demand.<\/p><\/li><li data-start=\"22763\" data-end=\"22942\"><p data-start=\"22765\" data-end=\"22942\">The Borrower shall bear all fees payable to the Ministry of Housing &amp; Urban Development and any competent authority to register the mortgage or title transfer of the Property.<\/p><\/li><li data-start=\"22943\" data-end=\"23140\"><p data-start=\"22945\" data-end=\"23140\">These fees will be charged either to the current account of the Borrower or credited to the Loan account at the date of withdrawal of the first installment of the Loan at the Bank\u2019s discretion.<\/p><\/li><li data-start=\"23141\" data-end=\"23386\"><p data-start=\"23143\" data-end=\"23386\">The Borrower shall bear any taxes, expenses, fees and charges for the services provided to the property or the residential complex such as maintenance, cleaning, housekeeping, etc., or municipal fees, sewerage, security, safety, health, etc.<\/p><\/li><li data-start=\"23387\" data-end=\"23510\"><p data-start=\"23389\" data-end=\"23510\">Such fees, expenses, taxes and costs shall be charged to the Borrower\u2019s current account or credited to the Loan expenses.<\/p><\/li><\/ul><hr data-start=\"23512\" data-end=\"23515\" \/><p data-start=\"23517\" data-end=\"23529\"><strong data-start=\"23517\" data-end=\"23529\">Security<\/strong><\/p><ul data-start=\"23531\" data-end=\"25831\"><li data-start=\"23531\" data-end=\"24591\"><p data-start=\"23533\" data-end=\"23852\">As security for the amounts which the Borrower owes to the Bank in respect of this Agreement, including but not limited to the Loan, interest, fees, expenses and other costs relating to this Agreement, the Borrower undertakes to the Bank to provide the following security guarantees, including but without limitation:<\/p><ul data-start=\"23855\" data-end=\"24591\"><li data-start=\"23855\" data-end=\"24146\"><p data-start=\"23857\" data-end=\"24146\">To provide real estate\/property insurance and life insurance for the Borrower, transfer salary, waiver of benefits, assignment or waiver of income from rents in the form and according to the conditions acceptable to the Bank unless the Bank confirms in writing that this is not required.<\/p><\/li><li data-start=\"24149\" data-end=\"24375\"><p data-start=\"24151\" data-end=\"24375\">To execute a first-degree mortgage of the property in favour of the Bank in the form required by the Bank, the Ministry of Housing &amp; Urban Development (MoHUP) and any competent authority concerned with the formal mortgage.<\/p><\/li><li data-start=\"24378\" data-end=\"24591\"><p data-start=\"24380\" data-end=\"24591\">Issuance of the formal property registration procedures in favour of the Bank with the Ministry of Housing &amp; Urban Development and any competent authority shall be in accordance with the laws in the Sultanate.<\/p><\/li><\/ul><\/li><li data-start=\"24592\" data-end=\"24978\"><p data-start=\"24594\" data-end=\"24978\">In the event that the Borrower fails to fulfil his obligations at any time, stage, form or for any reason, the Bank may submit an application to sell the property to the competent court either before or after or without the procedure of the mortgage and use the proceeds of this sale to settle the obligations arising therefrom in accordance with the laws in force in the Sultanate.<\/p><\/li><li data-start=\"24979\" data-end=\"25322\"><p data-start=\"24981\" data-end=\"25322\">It is a mandatory obligation on the Borrower to provide and fulfil the security requirement as expressed in the foregoing. Failing to procure and\/or provide the mandated securities at any time, stage, form and\/or reason shall constitute a breach of the Agreement and the Loan will not be availed and\/or disbursed to the Borrower\u2019s account.<\/p><\/li><li data-start=\"25323\" data-end=\"25482\"><p data-start=\"25325\" data-end=\"25482\">The Borrower affirms to the Bank that the property is free from any liens or rights of third parties and that there is no late tax payable on the property.<\/p><\/li><li data-start=\"25483\" data-end=\"25660\"><p data-start=\"25485\" data-end=\"25660\">The Borrower undertakes that he will not arrange any obligations, rights or actions in favour of third parties on the Property without the prior written consent of the Bank.<\/p><\/li><li data-start=\"25661\" data-end=\"25831\"><p data-start=\"25663\" data-end=\"25831\">The Bank may, at any time, within a seven-day notice to the Borrower, enter into the property for the purpose of carrying out any works to be performed by the Borrower.<\/p><\/li><\/ul><hr data-start=\"25833\" data-end=\"25836\" \/><p data-start=\"25838\" data-end=\"25867\"><strong data-start=\"25838\" data-end=\"25867\">Insurance of the Property<\/strong><\/p><ul data-start=\"25869\" data-end=\"27698\"><li data-start=\"25869\" data-end=\"26043\"><p data-start=\"25871\" data-end=\"26043\">The Borrower shall insure the property with an insurance company approved by the Bank and its renewals in a manner satisfactory to the Bank (\u201cinsurance of the property\u201d).<\/p><\/li><li data-start=\"26044\" data-end=\"26195\"><p data-start=\"26046\" data-end=\"26195\">This insurance shall include insurance against all risks, including Force Majeure and others, without exception, for the value of full replacement.<\/p><\/li><li data-start=\"26196\" data-end=\"26406\"><p data-start=\"26198\" data-end=\"26406\">The entire insurance policy must remain valid at all times during the Tenor of this Agreement and the Borrower waives the proceeds of insurance and the proceeds of mortgage protection in favour of the Bank.<\/p><\/li><li data-start=\"26407\" data-end=\"26607\"><p data-start=\"26409\" data-end=\"26607\">The Borrower undertakes to pay the premium(s) on time and submit the applicable insurance policies to the Bank within 14 days before their expiry and until the settlement of all their obligations.<\/p><\/li><li data-start=\"26608\" data-end=\"26812\"><p data-start=\"26610\" data-end=\"26812\">Otherwise, the Bank may pay the insurance premium or the entire insurance value and debit its cost from the Loan Account at the amount of due premiums, and the Borrower is to pay premiums immediately.<\/p><\/li><li data-start=\"26813\" data-end=\"27135\"><p data-start=\"26815\" data-end=\"27135\">In the event that the Borrower fails to pay this premium or full value, the Bank may, at its absolute discretion, pay the premiums or the value of the insurance without obtaining the prior consent of the Borrower, and the Borrower will be charged the amount paid or credited to the current account or the Loan account.<\/p><\/li><li data-start=\"27136\" data-end=\"27421\"><p data-start=\"27138\" data-end=\"27421\">Under this clause, the Borrower authorizes and delegates the Bank and grants it an absolute and irrevocable power of attorney in this regard to obtain the insurance value directly from the insurance company without the need for a letter, notice, judgment, legal or judicial action.<\/p><\/li><li data-start=\"27422\" data-end=\"27698\"><p data-start=\"27424\" data-end=\"27698\">The Borrower confirms the acceptance to insure the property by the Insurance Company and acknowledges the receipt of a copy of the terms of the insurance policy and declares that he has read, understood, comprehended and agreed to the terms and conditions contained therein.<\/p><\/li><\/ul><hr data-start=\"27700\" data-end=\"27703\" \/><p data-start=\"27705\" data-end=\"27723\"><strong data-start=\"27705\" data-end=\"27723\">Life Insurance<\/strong><\/p><ul data-start=\"27725\" data-end=\"30170\"><li data-start=\"27725\" data-end=\"28028\"><p data-start=\"27727\" data-end=\"28028\">The Bank shall be entitled to collect the remaining balance of the housing Loan, its interest, transactions and its legal and judicial expenses in priority from the insurance value and from the insurance company directly and without the need for a letter, notice, judgment, legal or judicial action.<\/p><\/li><li data-start=\"28029\" data-end=\"28214\"><p data-start=\"28031\" data-end=\"28214\">The insurance rights relevant to the Loan will be continuously in favour of the Bank and may not be waived or subrogated in any form unless the Bank confirms its consent in writing.<\/p><\/li><li data-start=\"28215\" data-end=\"28402\"><p data-start=\"28217\" data-end=\"28402\">The Borrower shall, when contracting with the Insurance Company, fill out the forms and insurance policy and submit the form of Health Statement and all other required data correctly.<\/p><\/li><li data-start=\"28403\" data-end=\"28665\"><p data-start=\"28405\" data-end=\"28665\">If it is proven otherwise, or if the insurance company refuses to pay the remaining debt according to the nature of the policy, the Borrower, Guarantors and heirs shall pay the whole debt owed according to the Bank statements and within the inherited estate.<\/p><\/li><li data-start=\"28666\" data-end=\"28976\"><p data-start=\"28668\" data-end=\"28976\">The Borrower undertakes to read and ensure full understanding of the life insurance contract concluded between the Borrower and the Insurance Company and to ascertain the circumstances and be reassured about the events and reasons leading to the termination or cancellation of the life insurance Agreement.<\/p><\/li><li data-start=\"28977\" data-end=\"29125\"><p data-start=\"28979\" data-end=\"29125\">The Borrower acknowledges that the Bank is not a party to the contractual relationship concluded between the Borrower and the insurance company.<\/p><\/li><li data-start=\"29126\" data-end=\"29626\"><p data-start=\"29128\" data-end=\"29626\">The Borrower agrees that the Loan and property shall be subject to an insurance policy as long as the Loan is outstanding, and agrees to debit insurance expenses from his account with the Bank and authorizes the Bank under this clause per request to pay the premiums to the insurance company to pay the remaining balance only of the value of the Loan granted in case the Borrower is entitled to do so in accordance with the contractual relationship between the Borrower and the insurance company.<\/p><\/li><li data-start=\"29627\" data-end=\"29946\"><p data-start=\"29629\" data-end=\"29946\">The Borrower and\/or Guarantor acknowledge the receipt of a copy of the terms of the insurance policy (in case the Borrower decides to provide insurance through an insurance company approved by the Bank) and declare that he has read, understood, comprehended and agreed to the terms and conditions contained therein.<\/p><\/li><li data-start=\"29947\" data-end=\"30170\"><p data-start=\"29949\" data-end=\"30170\">The Borrower is entitled to issue the insurance policy from any insurance company registered in the Sultanate of Oman provided that it complies with the terms and conditions of insurance previously determined by the Bank.<\/p><\/li><\/ul><hr data-start=\"30172\" data-end=\"30175\" \/><p data-start=\"30177\" data-end=\"30200\"><strong data-start=\"30177\" data-end=\"30200\">Real Estate Details<\/strong><\/p><ul data-start=\"30202\" data-end=\"30610\"><li data-start=\"30202\" data-end=\"30406\"><p data-start=\"30204\" data-end=\"30406\">The Borrower will provide the Bank with the full details of the Property immediately upon availability, including, but not limited to, location maps, drawings, sales Agreements and building contracts.<\/p><\/li><li data-start=\"30407\" data-end=\"30610\"><p data-start=\"30409\" data-end=\"30610\">The Borrower shall also notify the Bank of any negative factors that may affect the value of the Property, including but not limited to the presence of valleys or mountains or natural hazards, or else.<\/p><\/li><\/ul><hr data-start=\"30612\" data-end=\"30615\" \/><p data-start=\"30617\" data-end=\"30639\"><strong data-start=\"30617\" data-end=\"30639\">Construction Loans<\/strong><\/p><ul data-start=\"30641\" data-end=\"31241\"><li data-start=\"30641\" data-end=\"31114\"><p data-start=\"30643\" data-end=\"30759\">In the case of a construction Loan, the Borrower must ensure the implementation of the project in accordance with:<\/p><ul data-start=\"30762\" data-end=\"31114\"><li data-start=\"30762\" data-end=\"30903\"><p data-start=\"30764\" data-end=\"30903\">the specifications set out in the building permit and the attached maps issued by the competent authorities in the Sultanate of Oman; and<\/p><\/li><li data-start=\"30906\" data-end=\"31114\"><p data-start=\"30908\" data-end=\"31114\">the quotations and construction contracts approved within a period not exceeding the period specified in the construction contract signed between the Borrower and the contractor (\u201cConstruction Contract\u201d).<\/p><\/li><\/ul><\/li><li data-start=\"31115\" data-end=\"31241\"><p data-start=\"31117\" data-end=\"31241\">The Borrower undertakes to notify the Bank immediately if there is any dispute between it and the contractor in this regard.<\/p><\/li><\/ul><hr data-start=\"31243\" data-end=\"31246\" \/><p data-start=\"31248\" data-end=\"31276\"><strong data-start=\"31248\" data-end=\"31276\">Disposal of the Property<\/strong><\/p><ul data-start=\"31278\" data-end=\"31596\"><li data-start=\"31278\" data-end=\"31513\"><p data-start=\"31280\" data-end=\"31513\">The Borrower may not dispose of the property or any part thereof by selling, mortgaging, gifting, assigning, leasing or by any other means or arranging any right of any kind for others without the prior written consent of the Bank.<\/p><\/li><li data-start=\"31514\" data-end=\"31596\"><p data-start=\"31516\" data-end=\"31596\">Otherwise, this Agreement shall be null and void and shall have no legal effect.<\/p><\/li><\/ul><hr data-start=\"31598\" data-end=\"31601\" \/><p data-start=\"31603\" data-end=\"31614\"><strong data-start=\"31603\" data-end=\"31614\">Changes<\/strong><\/p><ul data-start=\"31616\" data-end=\"31794\"><li data-start=\"31616\" data-end=\"31794\"><p data-start=\"31618\" data-end=\"31794\">The Borrower is not allowed to make any changes, whether construction or not, in the property or effect material building works without obtaining the prior consent of the Bank.<\/p><\/li><\/ul><hr data-start=\"31796\" data-end=\"31799\" \/><p data-start=\"31801\" data-end=\"31820\"><strong data-start=\"31801\" data-end=\"31820\">Property Status<\/strong><\/p><ul data-start=\"31822\" data-end=\"32430\"><li data-start=\"31822\" data-end=\"32084\"><p data-start=\"31824\" data-end=\"32084\">The property shall remain in a good condition throughout the duration of this Agreement and the Borrower may not carry out anything that diminishes its value or prevents the Bank from using its rights derived from this contract until all obligations are met.<\/p><\/li><li data-start=\"32085\" data-end=\"32430\"><p data-start=\"32087\" data-end=\"32430\">In the event that the Borrower fails to meet this obligation, the Bank shall have the right, in its sole discretion, to carry out the necessary maintenance and repair work and to claim any amounts paid in connection therewith, in addition to any costs, fees and commission, to be debited immediately or automatically to the Borrower\u2019s Account.<\/p><\/li><\/ul><hr data-start=\"32432\" data-end=\"32435\" \/><p data-start=\"32437\" data-end=\"32450\"><strong data-start=\"32437\" data-end=\"32450\">Estimates<\/strong><\/p><ul data-start=\"32452\" data-end=\"33096\"><li data-start=\"32452\" data-end=\"32594\"><p data-start=\"32454\" data-end=\"32594\">The Borrower shall provide the Bank with a real estate appraisal at the end of every seven years throughout the Loan period (\u201cvaluation\u201d).<\/p><\/li><li data-start=\"32595\" data-end=\"32772\"><p data-start=\"32597\" data-end=\"32772\">This assessment is prepared by a rating agency approved and elected by the Bank, and any fees related to the preparation of this valuation will be at the Borrower\u2019s expense.<\/p><\/li><li data-start=\"32773\" data-end=\"33096\"><p data-start=\"32775\" data-end=\"33096\">If the Borrower fails to submit this assessment within 90 days from the date prescribed for submission, the Bank shall have the right to make such an assessment for which the Borrower shall bear the cost, and debit the charges and fees of valuation automatically from the Current Account, Savings Account or Loan Account.<\/p><\/li><\/ul><hr data-start=\"33098\" data-end=\"33101\" \/><p data-start=\"33103\" data-end=\"33122\"><strong data-start=\"33103\" data-end=\"33122\">Representations<\/strong><\/p><ul data-start=\"33124\" data-end=\"33527\"><li data-start=\"33124\" data-end=\"33298\"><p data-start=\"33126\" data-end=\"33298\">The Borrower guarantees and declares that he is currently solvent and has not ceased to pay any of his debts for the purposes of Clause 609 of the Royal Decree No. 55\/90.<\/p><\/li><li data-start=\"33299\" data-end=\"33443\"><p data-start=\"33301\" data-end=\"33443\">The Borrower is capable of fulfilling his obligations and is properly bound and that these obligations are legally binding for the Borrower.<\/p><\/li><li data-start=\"33444\" data-end=\"33527\"><p data-start=\"33446\" data-end=\"33527\">The Borrower shall not violate any of his contractual or other legal obligations.<\/p><\/li><\/ul><hr data-start=\"33529\" data-end=\"33532\" \/><p data-start=\"33534\" data-end=\"33558\"><strong data-start=\"33534\" data-end=\"33558\">Laws and Regulations<\/strong><\/p><ul data-start=\"33560\" data-end=\"33748\"><li data-start=\"33560\" data-end=\"33748\"><p data-start=\"33562\" data-end=\"33748\">The Borrower shall comply with all applicable laws and regulations in the Sultanate of Oman and regulations issued by the Municipality and any official body with respect to the property.<\/p><\/li><\/ul><hr data-start=\"33750\" data-end=\"33753\" \/><p data-start=\"33755\" data-end=\"33782\"><strong data-start=\"33755\" data-end=\"33782\">Change of Circumstances<\/strong><\/p><ul data-start=\"33784\" data-end=\"34054\"><li data-start=\"33784\" data-end=\"34054\"><p data-start=\"33786\" data-end=\"34054\">The Borrower is committed to notify the Bank of any change in its circumstances which may lead to a fundamental change in its ability to repay the Loan and pay interest when due, including but not limited to retirement, resignation, disability or change of employment.<\/p><\/li><\/ul><hr data-start=\"34056\" data-end=\"34059\" \/><p data-start=\"34061\" data-end=\"34071\"><strong data-start=\"34061\" data-end=\"34071\">Salary<\/strong><\/p><ul data-start=\"34073\" data-end=\"34378\"><li data-start=\"34073\" data-end=\"34284\"><p data-start=\"34075\" data-end=\"34284\">The Borrower shall ensure that he transfers the fixed and non-fixed monthly salary income to the current account or savings account and that this is not changed without the prior written consent of the Bank.<\/p><\/li><li data-start=\"34285\" data-end=\"34378\"><p data-start=\"34287\" data-end=\"34378\">In case the Borrower is more than one person, this pledge applies to each person severally.<\/p><\/li><\/ul><hr data-start=\"34380\" data-end=\"34383\" \/><p data-start=\"34385\" data-end=\"34412\"><strong data-start=\"34385\" data-end=\"34412\">End of Service Benefits<\/strong><\/p><ul data-start=\"34414\" data-end=\"34936\"><li data-start=\"34414\" data-end=\"34653\"><p data-start=\"34416\" data-end=\"34653\">The Borrower shall waive all his entitlements and bonuses and any end of service indemnity received by the Borrower from his employer to the Bank and waive all insurance policies issued in respect of the property in favour of the Bank.<\/p><\/li><li data-start=\"34654\" data-end=\"34936\"><p data-start=\"34656\" data-end=\"34936\">The Bank reserves the right, at its sole discretion, at any time and without any approval from the Borrower, to fulfil the obligations of the Borrower by using the proceeds generated from any receivables payable to the Borrower for the restoration and maintenance of the Property.<\/p><\/li><\/ul><hr data-start=\"34938\" data-end=\"34941\" \/><p data-start=\"34943\" data-end=\"34967\"><strong data-start=\"34943\" data-end=\"34967\">Renting the Property<\/strong><\/p><ul data-start=\"34969\" data-end=\"35085\"><li data-start=\"34969\" data-end=\"35085\"><p data-start=\"34971\" data-end=\"35085\">The Borrower may not rent or lease the property or any part thereof without the prior written consent of the Bank.<\/p><\/li><\/ul><hr data-start=\"35087\" data-end=\"35090\" \/><p data-start=\"35092\" data-end=\"35106\"><strong data-start=\"35092\" data-end=\"35106\">Delegation<\/strong><\/p><ul data-start=\"35108\" data-end=\"35769\"><li data-start=\"35108\" data-end=\"35286\"><p data-start=\"35110\" data-end=\"35286\">The Borrower undertakes and agrees to delegate and entrust the Bank with a final, irrevocable power of attorney that is non-amendable without the written consent of the Bank.<\/p><\/li><li data-start=\"35287\" data-end=\"35436\"><p data-start=\"35289\" data-end=\"35436\">Under this power of attorney, the Bank may impose an official mortgage on the property and renew it for the benefit of the Bank or third parties.<\/p><\/li><li data-start=\"35437\" data-end=\"35588\"><p data-start=\"35439\" data-end=\"35588\">All related documents and the payment of fees and expenses and their registration shall be at the expense of the Borrower or debited from the Loan.<\/p><\/li><li data-start=\"35589\" data-end=\"35769\"><p data-start=\"35591\" data-end=\"35769\">The Bank has the right to delegate all or part of the powers contained in this power of attorney or authorization, or under this Clause, to a third party as it deems appropriate.<\/p><\/li><\/ul><hr data-start=\"35771\" data-end=\"35774\" \/><p data-start=\"35776\" data-end=\"35800\"><strong data-start=\"35776\" data-end=\"35800\">Residential Projects<\/strong><\/p><ul data-start=\"35802\" data-end=\"36341\"><li data-start=\"35802\" data-end=\"36068\"><p data-start=\"35804\" data-end=\"36068\">All integrated tourist and\/or real estate projects undertaken by specialized companies, institutions or individuals for the construction of a residential complex, tourist or integrated city or residential units may be subject to the law of the Sultanate of Oman.<\/p><\/li><li data-start=\"36069\" data-end=\"36341\"><p data-start=\"36071\" data-end=\"36341\">The Borrower undertakes to make the official pledge in favour of the Bank upon the issuance of ownership title deed and is committed to all the clauses of the tripartite contract between the Borrower \u2013 the Bank \u2013 the housing project\/developer or the contractor \u2013 if any.<\/p><\/li><\/ul><hr data-start=\"36343\" data-end=\"36346\" \/><p data-start=\"36348\" data-end=\"36379\"><strong data-start=\"36348\" data-end=\"36379\">Additional Amounts and Fees<\/strong><\/p><ul data-start=\"36381\" data-end=\"37187\"><li data-start=\"36381\" data-end=\"36645\"><p data-start=\"36383\" data-end=\"36645\">The Borrower shall pay any fees and amounts that are contractually mandatory with reference to the Housing Projects such as maintenance fees, service or shared facilities, the percentage payable to the owner on resale or any other fee relating to the Property.<\/p><\/li><li data-start=\"36646\" data-end=\"36711\"><p data-start=\"36648\" data-end=\"36711\">The Borrower shall pay such fees and amounts on the due date.<\/p><\/li><li data-start=\"36712\" data-end=\"36849\"><p data-start=\"36714\" data-end=\"36849\">If the Bank so requests, the Borrower must provide the necessary receipts and documents evidencing fulfilment of payment obligations.<\/p><\/li><li data-start=\"36850\" data-end=\"36991\"><p data-start=\"36852\" data-end=\"36991\">In the event that the Borrower defaults at any time in the performance of such payments, the Bank may make such payments as it deems fit.<\/p><\/li><li data-start=\"36992\" data-end=\"37187\"><p data-start=\"36994\" data-end=\"37187\">The Bank shall have the right to recover all of the amounts advanced to the Borrower under this Clause in accordance with this Agreement or debit them automatically from the Borrower\u2019s account.<\/p><\/li><\/ul><hr data-start=\"37189\" data-end=\"37192\" \/><p data-start=\"37194\" data-end=\"37215\"><strong data-start=\"37194\" data-end=\"37215\">Loan Disbursement<\/strong><\/p><ul data-start=\"37217\" data-end=\"38857\"><li data-start=\"37217\" data-end=\"37384\"><p data-start=\"37219\" data-end=\"37384\">The Bank shall not be obligated to pay the Loan in accordance with the terms of this Agreement unless the conditions set forth in the attached Annex are satisfied.<\/p><\/li><li data-start=\"37385\" data-end=\"38108\"><p data-start=\"37387\" data-end=\"37563\">The Bank has the right to terminate the contract before the Borrower withdraws the Loan, even if it is deposited in the account, or at its discretion, in the following cases:<\/p><ul data-start=\"37566\" data-end=\"38108\"><li data-start=\"37566\" data-end=\"37698\"><p data-start=\"37568\" data-end=\"37698\">If there has been a material and negative change in the circumstances of the Borrower effective from the date of this Agreement.<\/p><\/li><li data-start=\"37701\" data-end=\"37841\"><p data-start=\"37703\" data-end=\"37841\">If any of the information or financial data provided in support of the Loan Application is inaccurate or misleading or if it becomes so.<\/p><\/li><li data-start=\"37844\" data-end=\"37997\"><p data-start=\"37846\" data-end=\"37997\">In the event that the Bank is not convinced of the nature and\/or result of its investigations and inquiries regarding the status quo of the Borrower.<\/p><\/li><li data-start=\"38000\" data-end=\"38108\"><p data-start=\"38002\" data-end=\"38108\">If the Bank discovers any contradiction in information relating to its decision to lend to the Borrower.<\/p><\/li><\/ul><\/li><li data-start=\"38109\" data-end=\"38447\"><p data-start=\"38111\" data-end=\"38146\">The Loan will be paid as follows:<\/p><ul data-start=\"38149\" data-end=\"38447\"><li data-start=\"38149\" data-end=\"38268\"><p data-start=\"38151\" data-end=\"38268\">in the case of the \u201cPurchase Loan\u201d directly to the seller of the property (seller) or as directed by the seller; or<\/p><\/li><li data-start=\"38271\" data-end=\"38372\"><p data-start=\"38273\" data-end=\"38372\">in the case of a \u201cConstruction Loan\u201d directly to the contractor or as directed by the contractor;<\/p><\/li><li data-start=\"38375\" data-end=\"38447\"><p data-start=\"38377\" data-end=\"38447\">or as the Bank deems fit in accordance with its absolute discretion.<\/p><\/li><\/ul><\/li><li data-start=\"38448\" data-end=\"38590\"><p data-start=\"38450\" data-end=\"38590\">The Loan amounts shall be disbursed directly to the contractor in accordance with the payment schedule set forth in the building contract.<\/p><\/li><li data-start=\"38591\" data-end=\"38791\"><p data-start=\"38593\" data-end=\"38791\">If there is a dispute between the Borrower and the Contractor and if it is not settled within 30 days from the date of such dispute, the Bank shall not be obliged to pay amounts to the Contractor.<\/p><\/li><li data-start=\"38792\" data-end=\"38857\"><p data-start=\"38794\" data-end=\"38857\">The Loan shall become due and payable immediately in such case.<\/p><\/li><\/ul><hr data-start=\"38859\" data-end=\"38862\" \/><p data-start=\"38864\" data-end=\"38904\"><strong data-start=\"38864\" data-end=\"38904\">Solidarity and Severally Commitments<\/strong><\/p><ul data-start=\"38906\" data-end=\"40401\"><li data-start=\"38906\" data-end=\"39709\"><p data-start=\"38908\" data-end=\"38950\">If the Borrower is more than one person:<\/p><ul data-start=\"38953\" data-end=\"39709\"><li data-start=\"38953\" data-end=\"39224\"><p data-start=\"38955\" data-end=\"39224\">Each person agrees to guarantee the obligations of the other person mentioned in the definition of the Borrower towards the Bank and confirms and acknowledges that each person\u2019s obligations stated in the Borrower\u2019s definition are solidarity and severally commitments.<\/p><\/li><li data-start=\"39227\" data-end=\"39345\"><p data-start=\"39229\" data-end=\"39345\">Each person agrees and declares that they must fulfil all of the obligations of the Borrower under this Agreement.<\/p><\/li><li data-start=\"39348\" data-end=\"39709\"><p data-start=\"39350\" data-end=\"39709\">Under this clause, each person authorizes the Bank to debit the full amount and any instalments due from any account with the Bank, including any office or other branches of the Bank and\/or the Arab Bank Group and from anywhere in the world, including any accounts in any foreign currency without the need for any approval from him or from the other person.<\/p><\/li><\/ul><\/li><li data-start=\"39710\" data-end=\"39891\"><p data-start=\"39712\" data-end=\"39891\">Any statement or notice issued by the Bank to either party shall be addressed to that party or parties together and sent to a single address designated by that party or parties.<\/p><\/li><li data-start=\"39892\" data-end=\"39983\"><p data-start=\"39894\" data-end=\"39983\">The specified party shall notify the other party or parties of the statement or notice.<\/p><\/li><li data-start=\"39984\" data-end=\"40401\"><p data-start=\"39986\" data-end=\"40401\">In the event of the death of any individual Borrower, the proceeds of life insurance shall be used to meet the obligations of the deceased individual towards the Bank, and the obligations of the other individual shall continue if the amounts\/proceeds from the life insurance of the deceased person are not sufficient to settle the solidarity obligations of the Borrower notwithstanding the provisions of clause (6).<\/p><\/li><\/ul><hr data-start=\"40403\" data-end=\"40406\" \/><p data-start=\"40408\" data-end=\"40430\"><strong data-start=\"40408\" data-end=\"40430\">General Provisions<\/strong><\/p><ul data-start=\"40432\" data-end=\"56254\"><li data-start=\"40432\" data-end=\"41796\"><p data-start=\"40434\" data-end=\"41121\">If the Bank seeks to satisfy its rights for any reason, including but not limited to stopping the transfer of salary, stopping the movement of the account in whole or in part, death, loss of capacity, confinement, bankruptcy or liquidation, suspension of payment of its debts, decline in the value of the guarantees or insurances provided by the Borrower, or if there is a change\/amendment\/cancellation by order of law or as a result of certain fundamental circumstances which the Bank considers to affect the performance of the contract, or if the Borrower commits any violation of one or more Clauses of the contract or in the event of termination of the contract, Loan or guarantee:<\/p><ul data-start=\"41124\" data-end=\"41796\"><li data-start=\"41124\" data-end=\"41360\"><p data-start=\"41126\" data-end=\"41360\">The Borrower and its Guarantor agree that all the remaining balance and outstanding instalments are due and payable immediately, despite any plea submitted to the Bank that the client and\/or third parties have paid part of the Loan.<\/p><\/li><li data-start=\"41363\" data-end=\"41705\"><p data-start=\"41365\" data-end=\"41705\">The Borrower, his Guarantors, heirs, assignees, or successors, jointly and severally, shall pay within the limits of the estate all the remaining instalments immediately within fifteen days of the Bank\u2019s claim plus all commissions, interest, fees, expenses, attorney\u2019s fees, legal and judicial charges and other amounts borne by the Bank.<\/p><\/li><li data-start=\"41708\" data-end=\"41796\"><p data-start=\"41710\" data-end=\"41796\">These amounts shall be debited automatically from the Borrower or Guarantor account.<\/p><\/li><\/ul><\/li><li data-start=\"41797\" data-end=\"42265\"><p data-start=\"41799\" data-end=\"42265\">In the event that the Borrower withdraws any amount in excess of the amount of the Loan referred to in this Agreement for any reason at any time, or the Borrower withdraws in overdraft or borrows an additional amount from the Bank, the Borrower shall pay such amounts immediately and without notice or alert. Any third party or Guarantor shall be subject to such increase and the interest rate shall apply based upon the same terms and conditions of this contract.<\/p><\/li><li data-start=\"42266\" data-end=\"42809\"><p data-start=\"42268\" data-end=\"42809\">In the event that the Borrower has introduced the Bank as an intermediary, collector, transferor, provider or payer of any cheque, security, financial document, instrument, deed, guarantee, credit or bill of exchange, set-off or collection and it has not been paid for any reason at any time, the Bank is entitled to conduct reverse entry and the Borrower must repay the amount with interest and legal and judicial expenses. This increase and the interest rate shall be subject to the same terms and conditions set forth in this Agreement.<\/p><\/li><li data-start=\"42810\" data-end=\"43070\"><p data-start=\"42812\" data-end=\"43070\">In the event that the Bank receives a Bank transfer as a mediator or broker Bank for the benefit of the Borrower, the Bank may credit the value of the transfer to the Borrower\u2019s account in the Bank without transferring it or assigning it to any other Bank.<\/p><\/li><li data-start=\"43071\" data-end=\"43274\"><p data-start=\"43073\" data-end=\"43274\">The Borrower hereby authorizes the Bank to do so and approves the discharge of the transferor, transferee and the payee Bank of the transfer value when they are collected for the benefit of the Bank.<\/p><\/li><li data-start=\"43275\" data-end=\"43642\"><p data-start=\"43277\" data-end=\"43642\">The Bank reserves the right, upon modification, change, cancellation or addition to the laws in force in the Sultanate or in the event of financial, economic or other events which the Bank considers to be substantially affecting the contract, to amend or cancel this contract or to agree with the Borrower on concluding a contract appropriate to the developments.<\/p><\/li><li data-start=\"43643\" data-end=\"43822\"><p data-start=\"43645\" data-end=\"43822\">In case of failure, impossibility or inability to implement part of one or more Clauses of the contract, the Bank may unilaterally claim to implement other applicable Clauses.<\/p><\/li><li data-start=\"43823\" data-end=\"44154\"><p data-start=\"43825\" data-end=\"44154\">In all such cases and others, the Bank may cancel the Loan and\/or any other Bank credit facilities granted to the Borrower. The Borrower or his Guarantors are committed jointly and severally to repay the Loan, its interest and other amounts owed to the Bank immediately after fifteen days\u2019 notice from the Bank to the Borrower.<\/p><\/li><li data-start=\"44155\" data-end=\"44372\"><p data-start=\"44157\" data-end=\"44372\">The Borrower and\/or his Guarantors undertake to disclose any other financial obligations borne by them to the Bank or any other Bank and shall confirm the accuracy of the information and data provided to the Bank.<\/p><\/li><li data-start=\"44373\" data-end=\"44540\"><p data-start=\"44375\" data-end=\"44540\">If the Bank proves otherwise, the Bank is entitled to require the Borrower and\/or his Guarantors to repay immediately the debt and interest and any other expenses.<\/p><\/li><li data-start=\"44541\" data-end=\"44957\"><p data-start=\"44543\" data-end=\"44957\">The Borrower and its Guarantors undertake to notify the Bank in writing at least one month prior to any change in its circumstances which may lead to a material change in its ability to repay the Loan and interest when due, including but not limited to retirement, resignation, disability, change of job or intention to leave Omani Territory, and shall pay the remaining balance of the Loan and its consequences.<\/p><\/li><li data-start=\"44958\" data-end=\"45214\"><p data-start=\"44960\" data-end=\"45214\">The Bank reserves the right at any time and without notice to the Borrower to consolidate and merge all or any of the Borrower\u2019s accounts with the Bank and\/or the Arab Bank Group in any part of the world, including any accounts in any foreign currency.<\/p><\/li><li data-start=\"45215\" data-end=\"45292\"><p data-start=\"45217\" data-end=\"45292\">The Bank may satisfy its rights from such accounts and\/or its guarantees.<\/p><\/li><li data-start=\"45293\" data-end=\"45433\"><p data-start=\"45295\" data-end=\"45433\">This right shall be applied to Guarantors and back-to-back Guarantors jointly and\/or severally in the payment of the total indebtedness.<\/p><\/li><li data-start=\"45434\" data-end=\"45719\"><p data-start=\"45436\" data-end=\"45719\">The Bank shall have the right to close the accounts of the Borrower and\/or its Guarantors after fifteen days of settlement of the accounts, if any, to satisfy any amounts payable deposited in the insurance account and any other account in the name of the Borrower or the Guarantor.<\/p><\/li><li data-start=\"45720\" data-end=\"45868\"><p data-start=\"45722\" data-end=\"45868\">The Borrower shall bear the legal liability and the direct and indirect material and moral damages resulting from the closure of the account(s).<\/p><\/li><li data-start=\"45869\" data-end=\"46545\"><p data-start=\"45871\" data-end=\"46545\">The Borrower agrees and undertakes to indemnify the Bank. The Bank shall have the right to deduct any amount from any Borrower\u2019s Account(s) and\/or debit from their account with the Bank and\/or the Arab Bank Group anywhere in the world to satisfy its dues and amounts incurred for granting the Loan plus all commissions, interests, charges, expenses, fees, attorneys\u2019 fees, legal and judicial expenses, fines, damages, publishing and advertising expenses, experts\u2019 fees, assessments, valuation, notices, warnings, costs and any other losses and amounts borne by the Bank as a result of this Agreement and\/or in order to meet its rights from the Borrower and his Guarantors.<\/p><\/li><li data-start=\"46546\" data-end=\"46827\"><p data-start=\"46548\" data-end=\"46827\">The Borrower agrees that manual, automated and\/or electronic Bank books, contracts, Bank statements, entries and accounts are considered to be conclusive evidence of the validity of the signature and the amounts owed by the Borrower and the amounts due and payable to the Bank.<\/p><\/li><li data-start=\"46828\" data-end=\"46959\"><p data-start=\"46830\" data-end=\"46959\">The Borrower waives the right to challenge the validity of these books, records, accounts, statements and other Bank documents.<\/p><\/li><li data-start=\"46960\" data-end=\"47178\"><p data-start=\"46962\" data-end=\"47178\">The Bank shall have the right to contract and conduct Banking transactions with the Borrower by means of electronic means or electronic media, or electronic signature that identifies the parties to the transaction.<\/p><\/li><li data-start=\"47179\" data-end=\"47349\"><p data-start=\"47181\" data-end=\"47349\">The period of notification or notice and the mechanism of receipt of such messages shall be determined in accordance with the law of electronic transactions in force.<\/p><\/li><li data-start=\"47350\" data-end=\"47658\"><p data-start=\"47352\" data-end=\"47658\">Copies of this Agreement sent by mail, electronic media or e-mail via the electronic signature plate, electronic fingerprint, eye scanner or any electronic means of identification from one party to the other party are valid and effective and shall be considered the same as the original signature itself.<\/p><\/li><li data-start=\"47659\" data-end=\"47811\"><p data-start=\"47661\" data-end=\"47811\">An electronic signature sent to the Bank by e-mail, media or electronic means shall be binding on the Borrower and is deemed the original signature.<\/p><\/li><li data-start=\"47812\" data-end=\"48050\"><p data-start=\"47814\" data-end=\"48050\">The Bank reserves the right to assign or transfer any of its rights and obligations under this Agreement or any part thereof to any other party and at any time it deems appropriate or in its favour without the consent of the Borrower.<\/p><\/li><li data-start=\"48051\" data-end=\"48277\"><p data-start=\"48053\" data-end=\"48277\">The Borrower shall be committed to the other party as if it were a party to this Agreement and it shall have all the rights and powers of the Bank whereby the Bank is released from all its obligations towards the Borrower.<\/p><\/li><li data-start=\"48278\" data-end=\"48682\"><p data-start=\"48280\" data-end=\"48682\">The Borrower shall pay the instalments\/premiums and interest to the Bank without the right of any set-off, counterclaim, deduction or condition of any kind, unless the Borrower is legally obliged to make such deduction. In that case, the amount due shall be increased so that the amount actually received by the Bank is equal to the amount that it should have received had there not been a deduction.<\/p><\/li><li data-start=\"48683\" data-end=\"49035\"><p data-start=\"48685\" data-end=\"49035\">If the Bank grants the Borrower any period of grace, extension of repayment period or rescheduling, or if the Bank has settled the Borrower\u2019s debt against another consideration, the Borrower agrees and consents to such action without notice, even if the Guarantor notifies the Bank of irregularity or non-obligation of the Borrower to pay the debt.<\/p><\/li><li data-start=\"49036\" data-end=\"49265\"><p data-start=\"49038\" data-end=\"49265\">Under this provision, the Bank reserves the right to recourse to the Guarantor and\/or the debtor severally and jointly, unless there is an Agreement to deprive the Borrower of such recourse prior to recourse to the Guarantor.<\/p><\/li><li data-start=\"49266\" data-end=\"49541\"><p data-start=\"49268\" data-end=\"49541\">The Borrower undertakes to transfer his salary, pension and end of service benefits from his employer to his account with the Bank to repay the monthly instalments payable or the Loan with interest, fees, expenses, attorneys\u2019 fees and legal and judicial expenses, if any.<\/p><\/li><li data-start=\"49542\" data-end=\"49752\"><p data-start=\"49544\" data-end=\"49752\">The Borrower also agrees to authorize the Bank to repay all\/part of the outstanding Loan, as applicable, upon the receipt or transfer of end of service gratuity to the account of the Borrower with the Bank.<\/p><\/li><li data-start=\"49753\" data-end=\"50185\"><p data-start=\"49755\" data-end=\"50185\">The Borrower pledges to continue to pay the monthly premiums immediately and without delay for the subsequent months for the remainder of the debt until full settlement of the Bank\u2019s dues, unless the Bank decides, in its absolute discretion, to grant postponement of repayment depending on circumstances, events and holidays, which, in the case of those delays, will increase the interest and the duration of the Loan repayment.<\/p><\/li><li data-start=\"50186\" data-end=\"50772\"><p data-start=\"50188\" data-end=\"50772\">In the event of bankruptcy upon redemption or repayment by the Bank of any payment made to the Bank under this Agreement or under the terms of any guarantee provided to the Bank, in accordance with the provisions of Article 610 of Royal Decree 55\/90 or otherwise, such repayment shall not reduce or substitute or terminate any obligation of the Borrower under this Agreement nor constitute any discharge made by the Bank to the Borrower in whole or in part on the amount refunded or repaid or in any way that affects the rights of the Bank towards the Borrower under this Agreement.<\/p><\/li><li data-start=\"50773\" data-end=\"50975\"><p data-start=\"50775\" data-end=\"50975\">The amount of such payment shall be refunded or paid in addition to any and all interest incurred by the Bank. The Borrower shall comply with the Bank requirements in accordance with this Agreement.<\/p><\/li><li data-start=\"50976\" data-end=\"51104\"><p data-start=\"50978\" data-end=\"51104\">The obligations and responsibilities set forth in this Agreement shall be binding on the Borrower, his successors and heirs.<\/p><\/li><li data-start=\"51105\" data-end=\"51430\"><p data-start=\"51107\" data-end=\"51430\">This Agreement shall remain in effect until all obligations of the Borrower have been fulfilled in accordance with the Bank\u2019s records and statements until the Bank confirms in writing to the Borrower that he has paid all payments to the Bank and has been fully discharged from all obligations and other debts to the Bank.<\/p><\/li><li data-start=\"51431\" data-end=\"51531\"><p data-start=\"51433\" data-end=\"51531\">No amendment to this Agreement shall be in force unless it is in writing and signed by the Bank.<\/p><\/li><li data-start=\"51532\" data-end=\"51679\"><p data-start=\"51534\" data-end=\"51679\">The rights and remedies provided for in this Agreement shall be deemed cumulative and shall not exclude any rights or remedies provided by law.<\/p><\/li><li data-start=\"51680\" data-end=\"52340\"><p data-start=\"51682\" data-end=\"52340\">The Borrower acknowledges that under this Clause, the Bank has been given an irrevocable general right to disclose to any third party any information relating to its obligations and the Loan granted to it, whether in whole or in part, directly or indirectly, at any time, orally or in writing, to anyone who so requests from a natural or legal person or persons if the nature of their work requires it or at the absolute discretion of the Bank, for example, and not limited to the regulatory authority, the Group of Banks and Financial Institutions, the Public Prosecution or the Authority, without being considered to be a breach of the Bank by Omani law.<\/p><\/li><li data-start=\"52341\" data-end=\"52646\"><p data-start=\"52343\" data-end=\"52646\">Any claim, call, notice, notification, announcement or warning relating to the Loan shall be deemed effective three days after the date of its deposit at the post office or place of residence, except for a text message by mobile phone and\/or e-mail which is subject to the Electronic Transactions Act.<\/p><\/li><li data-start=\"52647\" data-end=\"52778\"><p data-start=\"52649\" data-end=\"52778\">Delivery is valid and effective according to the last address given to the Bank, whether or not it has actually been delivered.<\/p><\/li><li data-start=\"52779\" data-end=\"52872\"><p data-start=\"52781\" data-end=\"52872\">The Borrower shall be obliged to inform the Bank in writing of any change in its address.<\/p><\/li><li data-start=\"52873\" data-end=\"52986\"><p data-start=\"52875\" data-end=\"52986\">The address means the place of residence, the place of work, email, fax, telephone number or Post Office Box.<\/p><\/li><li data-start=\"52987\" data-end=\"53365\"><p data-start=\"52989\" data-end=\"53365\">The Borrower agrees that notification of address adjustment or change of interest rate is in accordance with the instructions of the regulatory authority issued by the Bank from time to time which have been delivered and communicated to the Borrower when it is sent to its address or announced in the daily newspapers or received\/notified to the Borrower by any other means.<\/p><\/li><li data-start=\"53366\" data-end=\"53916\"><p data-start=\"53368\" data-end=\"53916\">If any provision or clause of this Agreement is deemed to be unlawful, impermissible or invalid under the laws currently in force or in force in the future during the Tenor of this Agreement, then such provision or clause shall be excluded and this Agreement shall be interpreted and implemented as if such provision or clause which is not legal or not permissible or invalid was not originally part of it, and the rest of the items or clauses shall remain intact and shall not be affected by the item or clause that has been deleted or excluded.<\/p><\/li><li data-start=\"53917\" data-end=\"54208\"><p data-start=\"53919\" data-end=\"54208\">In such event, the Bank may cancel the Loan and\/or any other credit facilities granted to the Borrower. Then, the Borrower shall pay the remainder of the outstanding Loan along with its interest and\/or penalties due immediately after 3 days of receiving the Bank\u2019s notice to this effect.<\/p><\/li><li data-start=\"54209\" data-end=\"54419\"><p data-start=\"54211\" data-end=\"54419\">This Agreement is subject to all the general and special conditions governing the opening of Bank accounts and regular, automated and electronic Banking services in the Bank, which are not mentioned herein.<\/p><\/li><li data-start=\"54420\" data-end=\"54581\"><p data-start=\"54422\" data-end=\"54581\">In the event that the Arabic text differs from the English text of this Agreement, the Arabic text shall prevail between all concerned and competent parties.<\/p><\/li><li data-start=\"54582\" data-end=\"54670\"><p data-start=\"54584\" data-end=\"54670\">The word \u201cBorrower\u201d refers to and indicates the Customer and Guarantor(s)\/Mortgager.<\/p><\/li><li data-start=\"54671\" data-end=\"54758\"><p data-start=\"54673\" data-end=\"54758\">The reference to singular and plural are synonymous and used for confirmation only.<\/p><\/li><li data-start=\"54759\" data-end=\"54937\"><p data-start=\"54761\" data-end=\"54937\">The masculine word includes the meaning of feminine and the singular means plural and vice versa wherever they appear in the Agreement, unless the context otherwise requires.<\/p><\/li><li data-start=\"54938\" data-end=\"55271\"><p data-start=\"54940\" data-end=\"55271\">The Customer, his Guarantor(s) and the Mortgager acknowledge that they have read the terms and conditions of this contract or it has been recited to them in case they are illiterate or blind and that they understood its contents and accept all obligations, responsibilities, claims, rights and duties prescribed in this contract.<\/p><\/li><li data-start=\"55272\" data-end=\"55825\"><p data-start=\"55274\" data-end=\"55825\">The Borrower agrees, authorizes the bank and has no objections to the submission or disclosure of all or any of the information contained in this contract in addition to the facilities accounts and the bank transactions to the insurance company, regulatory authority, other banks, the executive or judicial authority, auditors of the bank, its attorneys and advisors and any other entity as deemed appropriate to the bank according to its absolute discretion without being considered a breach of the Bank\u2019s duties to the Borrower and his Guarantors.<\/p><\/li><li data-start=\"55826\" data-end=\"56059\"><p data-start=\"55828\" data-end=\"56059\">The Borrower agrees and acknowledges the validity of his signature, fingerprints, power of attorney or authorization and in case otherwise is proven, he shall bear the legal and financial responsibility on behalf of the Borrower.<\/p><\/li><li data-start=\"56060\" data-end=\"56254\"><p data-start=\"56062\" data-end=\"56254\">In all cases, the guarantor shall comply with the provisions and articles stated in this contract and the indebtedness shall be binding upon him\/them against the bank individually and jointly.<\/p><\/li><\/ul><hr data-start=\"56256\" data-end=\"56259\" \/><p data-start=\"56261\" data-end=\"56281\"><strong data-start=\"56261\" data-end=\"56281\">Money Laundering<\/strong><\/p><ul data-start=\"56283\" data-end=\"57295\"><li data-start=\"56283\" data-end=\"56594\"><p data-start=\"56285\" data-end=\"56594\">OAB may take whatever action it considers appropriate to meet any obligations, either in the Sultanate of Oman or elsewhere in the world, relating to the prevention of fraud, money laundering or terrorist activity and the provision of financial and other services to persons who may be subject to sanctions.<\/p><\/li><li data-start=\"56595\" data-end=\"56783\"><p data-start=\"56597\" data-end=\"56783\">These actions by OAB shall include, but not be limited to, investigating, suspending payments pursuant to this Agreement and investigating the source of or intended recipient of funds.<\/p><\/li><li data-start=\"56784\" data-end=\"56879\"><p data-start=\"56786\" data-end=\"56879\">It may also include making enquiries to establish whether a person is subject to sanctions.<\/p><\/li><li data-start=\"56880\" data-end=\"57295\"><p data-start=\"56882\" data-end=\"57295\">OAB shall not be liable for any loss, liability, delay or cost incurred by the Customer as a result of actions taken by OAB under this clause and OAB does not warrant that any information on OAB systems relating to any payment messages and communications will be accurate or complete to the extent that it relates to any Customer\u2019s instruction which is subject to such an action when such information is provided.<\/p><\/li><\/ul><hr data-start=\"57297\" data-end=\"57300\" \/><p data-start=\"57302\" data-end=\"57321\"><strong data-start=\"57302\" data-end=\"57321\">Data Protection<\/strong><\/p><ul data-start=\"57323\" data-end=\"58324\"><li data-start=\"57323\" data-end=\"57993\"><p data-start=\"57325\" data-end=\"57437\">When OAB handles your data, in your capacity as a Customer, it represents and warrants that your data will be:<\/p><ul data-start=\"57440\" data-end=\"57993\"><li data-start=\"57440\" data-end=\"57499\"><p data-start=\"57442\" data-end=\"57499\">processed lawfully, fairly and in a transparent manner;<\/p><\/li><li data-start=\"57502\" data-end=\"57598\"><p data-start=\"57504\" data-end=\"57598\">collected for the only specific, explicit and legitimate purpose of conducting your Account;<\/p><\/li><li data-start=\"57601\" data-end=\"57689\"><p data-start=\"57603\" data-end=\"57689\">adequate, relevant and limited to whatever is necessary in relation to your Account;<\/p><\/li><li data-start=\"57692\" data-end=\"57770\"><p data-start=\"57694\" data-end=\"57770\">disregarded, erased or rectified without delay whenever deemed inaccurate;<\/p><\/li><li data-start=\"57773\" data-end=\"57932\"><p data-start=\"57775\" data-end=\"57932\">kept in a form preventing identification of your identity for longer than is necessary for the purposes for which the personal data is being processed; and<\/p><\/li><li data-start=\"57935\" data-end=\"57993\"><p data-start=\"57937\" data-end=\"57993\">processed in an appropriate standard of data security.<\/p><\/li><\/ul><\/li><li data-start=\"57994\" data-end=\"58324\"><p data-start=\"57996\" data-end=\"58324\">Pursuant to Article 143 of the Omani Banking Law issued through Royal Decree No. 2\/2025, the Customer irrevocably authorizes OAB, should it so desire, to disclose to any of its affiliates, any party or to OAB\u2019s counsels, and any other person such information about the Customer and its transactions as OAB considers appropriate.<\/p><\/li><\/ul><hr data-start=\"58326\" data-end=\"58329\" \/><p data-start=\"58331\" data-end=\"58366\"><strong data-start=\"58331\" data-end=\"58366\">Loan Top Up and Buy Out Charges<\/strong><\/p><ul data-start=\"58368\" data-end=\"58718\"><li data-start=\"58368\" data-end=\"58570\"><p data-start=\"58370\" data-end=\"58570\">A fee decided by OAB and published in OAB\u2019s Tariff of Charges shall be payable by the Customer to OAB to cover the costs of processing any application for any increase requested to the Housing Loan.<\/p><\/li><li data-start=\"58571\" data-end=\"58718\"><p data-start=\"58573\" data-end=\"58718\">The Customer shall be responsible for all transfer fees and charges in the case of the Housing Loan being used to repay a loan with another bank.<\/p><\/li><\/ul><hr data-start=\"58720\" data-end=\"58723\" \/><p data-start=\"58725\" data-end=\"58739\"><strong data-start=\"58725\" data-end=\"58739\">Assignment<\/strong><\/p><ul data-start=\"58741\" data-end=\"59086\"><li data-start=\"58741\" data-end=\"59086\"><p data-start=\"58743\" data-end=\"59086\">Payments by the Customer shall be made to OAB without any set-off, withholding or condition of any kind except that if the Customer is compelled by law to make such withholding, the sum payable by the Customer shall be increased so that the amount actually received by OAB is the amount it would have received if there had been no withholding.<\/p><\/li><\/ul><hr data-start=\"59088\" data-end=\"59091\" \/><p data-start=\"59093\" data-end=\"59109\"><strong data-start=\"59093\" data-end=\"59109\">Severability<\/strong><\/p><ul data-start=\"59111\" data-end=\"59362\"><li data-start=\"59111\" data-end=\"59362\"><p data-start=\"59113\" data-end=\"59362\">Each of the clauses and provisions of this Agreement are severable and the invalidity or unenforceability of any one or more such clauses or provisions shall not alter the remaining clauses and provisions which shall remain in full force and effect.<\/p><\/li><\/ul><hr data-start=\"59364\" data-end=\"59367\" \/><p data-start=\"59369\" data-end=\"59382\"><strong data-start=\"59369\" data-end=\"59382\">Discharge<\/strong><\/p><ul data-start=\"59384\" data-end=\"59659\"><li data-start=\"59384\" data-end=\"59659\"><p data-start=\"59386\" data-end=\"59659\">This Agreement shall remain in effect until OAB confirms in writing to the Customer that all payments due from the Customer to OAB hereunder have been made in full and that all other obligations and liabilities of the Customer to OAB hereunder have been discharged in full.<\/p><\/li><\/ul><hr data-start=\"59661\" data-end=\"59664\" \/><p data-start=\"59666\" data-end=\"59680\"><strong data-start=\"59666\" data-end=\"59680\">Complaints<\/strong><\/p><ul data-start=\"59682\" data-end=\"60103\" data-is-last-node=\"\" data-is-only-node=\"\"><li data-start=\"59682\" data-end=\"59814\"><p data-start=\"59684\" data-end=\"59814\">OAB has complaints policies and procedures which can be used to bring to its attention any questions, suggestions or complaints.<\/p><\/li><li data-start=\"59815\" data-end=\"59987\"><p data-start=\"59817\" data-end=\"59854\">For this purpose, the Borrower may:<\/p><ul data-start=\"59857\" data-end=\"59987\"><li data-start=\"59857\" data-end=\"59917\"><p data-start=\"59859\" data-end=\"59917\">contact OAB representatives directly at its branches; or<\/p><\/li><li data-start=\"59920\" data-end=\"59987\"><p data-start=\"59922\" data-end=\"59987\">contact its call-center named \u201cFil Khidmah\u201d at number 24754444.<\/p><\/li><\/ul><\/li><li data-start=\"59988\" data-end=\"60103\" data-is-last-node=\"\"><p data-start=\"59990\" data-end=\"60103\" data-is-last-node=\"\">If the Borrower is calling from outside the Sultanate of Oman, please add the country code (+968) before dialing.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c4a7f0d e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"c4a7f0d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-112cb89 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-child\" data-id=\"112cb89\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7ecf49 e-flex e-con-boxed e-con e-parent\" data-id=\"f7ecf49\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c32b418 e-con-full e-flex e-con e-child\" data-id=\"c32b418\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3230600 e-con-full e-flex e-con e-child\" data-id=\"3230600\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-885c10f e-con-full oab-section-heading-center-rtl e-flex e-con e-child\" data-id=\"885c10f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74e8139 elementor-widget elementor-widget-oab_heading\" data-id=\"74e8139\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_regular_uppercase\">Other Loans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8563c2f elementor-widget elementor-widget-heading\" data-id=\"8563c2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">More Loans <\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8860f2f e-con-full e-flex e-con e-child\" data-id=\"8860f2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5dffe4a e-con-full bordergbox e-flex e-con e-child\" data-id=\"5dffe4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3add2bd e-con-full borderginside  e-flex e-con e-child\" data-id=\"3add2bd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-172224e elementor-widget elementor-widget-heading\" data-id=\"172224e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Car Loan<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3dee33 elementor-widget elementor-widget-oab_heading\" data-id=\"b3dee33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_large\">Get behind the wheel with OAB\u2019s Markabati Car Loan with competitive rates and flexible terms. <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3bbc8a e-con-full borderginside  e-flex e-con e-child\" data-id=\"f3bbc8a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c69327 elementor-widget elementor-widget-heading\" data-id=\"7c69327\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Personal Loan <\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-401f779 elementor-widget elementor-widget-oab_heading\" data-id=\"401f779\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_large\">Achieve more with a personal loan with flexible terms and competitive rates.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-642d83e e-flex e-con-boxed e-con e-parent\" data-id=\"642d83e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-08f339a e-con-full e-flex e-con e-child\" data-id=\"08f339a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3ec4af0 e-con-full oab-section-heading-center-rtl e-flex e-con e-child\" data-id=\"3ec4af0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce0fc8e elementor-widget elementor-widget-oab_heading\" data-id=\"ce0fc8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"oab_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"oab-heading typography-b_regular_uppercase\">Explore More<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65b7812 elementor-widget elementor-widget-heading\" data-id=\"65b7812\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">You May Also Like<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b38776 e-con-full e-flex e-con e-child\" data-id=\"7b38776\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37a2f12 you_may_like_bottom_carousel elementor-widget elementor-widget-n-carousel\" data-id=\"37a2f12\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;78875cb&quot;},{&quot;slide_title&quot;:&quot;Slide #2&quot;,&quot;_id&quot;:&quot;55db1b8&quot;},{&quot;slide_title&quot;:&quot;Slide #3&quot;,&quot;_id&quot;:&quot;b8edd17&quot;},{&quot;slide_title&quot;:&quot;Slide #4&quot;,&quot;_id&quot;:&quot;e648354&quot;}],&quot;slides_to_show&quot;:&quot;3&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:24,&quot;sizes&quot;:[]},&quot;slides_to_show_tablet&quot;:&quot;2&quot;,&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;speed&quot;:500,&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\" dir=\"rtl\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"polite\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98b2cba e-flex e-con-boxed e-con e-child\" data-id=\"98b2cba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-68dbc98 e-con-full bg-blur e-flex e-con e-child\" data-id=\"68dbc98\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1010e6 elementor-position-inline-end color_svg elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c1010e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"52\" viewBox=\"0 0 56 52\" fill=\"none\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M11.2557 11.6271C11.2557 7.0029 15.0044 3.25424 19.6286 3.25424C24.2528 3.25424 28.0015 7.0029 28.0015 11.6271C28.0015 16.2513 24.2528 20 19.6286 20C15.0044 20 11.2557 16.2513 11.2557 11.6271ZM19.6286 0C13.2071 0 8.00146 5.20564 8.00146 11.6271C8.00146 18.0486 13.2071 23.2542 19.6286 23.2542C26.0501 23.2542 31.2557 18.0486 31.2557 11.6271C31.2557 5.20564 26.0501 0 19.6286 0ZM19.6306 27.9799L19.6236 27.9799C19.328 27.9806 19.0321 27.9879 18.7361 28.0019C15.4158 28.1591 12.1896 29.1552 9.35865 30.8973C6.52774 32.6394 4.18456 35.0706 2.54798 37.9638C0.911392 40.857 0.034803 44.1178 8.86917e-05 47.4416L0 47.4586V49.6272C0 50.0587 0.171428 50.4726 0.476572 50.7777C0.781716 51.0829 1.19558 51.2543 1.62712 51.2543H37.6271C38.5257 51.2543 39.2542 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stop-color=\"#015EAB\"><\/stop><stop offset=\"1\" stop-color=\"#26AAE1\"><\/stop><\/linearGradient><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCredit Cards\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tExplore our range of cards with exclusive benefits and privileges.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"3\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 4\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bec1827 e-flex e-con-boxed e-con e-child\" data-id=\"bec1827\" data-element_type=\"container\" 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Apply Now Features Services Before you Apply Help and Support Features Al Dar Housing Loan Experience a hassle-free journey to homeownership with Oman Arab Bank\u2019s Housing Loan, offering competitive rates and personalized [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":10671,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-9982","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/oab.bedots.site\/ar\/wp-json\/wp\/v2\/pages\/9982","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/oab.bedots.site\/ar\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/oab.bedots.site\/ar\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/oab.bedots.site\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/oab.bedots.site\/ar\/wp-json\/wp\/v2\/comments?post=9982"}],"version-history":[{"count":52,"href":"https:\/\/oab.bedots.site\/ar\/wp-json\/wp\/v2\/pages\/9982\/revisions"}],"predecessor-version":[{"id":16920,"href":"https:\/\/oab.bedots.site\/ar\/wp-json\/wp\/v2\/pages\/9982\/revisions\/16920"}],"up":[{"embeddable":true,"href":"https:\/\/oab.bedots.site\/ar\/wp-json\/wp\/v2\/pages\/10671"}],"wp:attachment":[{"href":"https:\/\/oab.bedots.site\/ar\/wp-json\/wp\/v2\/media?parent=9982"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}