Houses For sale in Szihalom

Premium quality family house for sale in Szihalom, near Eger and Mezőkövesd, situated in a quiet, well-organized environment. Built in 2006 with ytong walls, the property underwent a comprehensive renovation in 2021, featuring modern technical solutions and high-quality materials that contribute to its current streamlined appearance. Since the renovation, the house has only been briefly inhabited, ensuring it is in excellent condition for its new owner. The 100 m² living space is thoughtfully designed with 3 separate rooms, a bright and spacious living room, a separate dressing room, utility room, pantry, garage, and a separate boiler room, ensuring comfortable daily living. The living room provides direct access to a large, charming terrace with wooden flooring, perfect for family and friend gatherings or peaceful relaxation. During the renovation, every room received new flooring, including unique Spanish tiles, and modern three-layer windows, aluminum shutters, and mosquito nets were installed. The terrace's sliding door features an electric shutter for added convenience, while the four-layer aluminum front door offers modern aesthetics alongside excellent thermal insulation. The home is equipped with central gas heating with underfloor heating, a smart thermostat, and a heat pump cooling and heating system for comfort. The bathroom includes a humidity-sensitive ventilation system, and a smart camera surveillance system enhances security. The modern kitchen furniture is fitted with built-in Electrolux appliances and ambient counter lighting. The designer bathroom features both a bathtub and a built-in shower cabin, as well as a built-in bidet toilet. The 727 m² landscaped plot is tidy and well-maintained, equipped with an automatic irrigation system supplied by its own drilled well, making garden maintenance economical. There is a garden shed with a brick oven and a separate tool storage building in the yard. The property has an energy rating of C. One of the biggest advantages of this property is its excellent location, as the M3 motorway is accessible within a few minutes, and Budapest can be reached in about an hour by car. We provide comprehensive, bank-independent assistance in financing, including processing discounted loan options, free loan assessments, preparing energy certificates, and full property transaction management supported by legal background. The property can be viewed flexibly at a pre-arranged time!

This fully renovated family house is ready for immediate move-in! Located on a well-maintained 1540 m² plot, the 92 m² house underwent a comprehensive renovation 2 years ago. New owner just needs to move in! Renovation details include: - Complete electrical and plumbing network replacement - 10 cm external thermal insulation - New plastic windows - Yard filled with gravel - New flooring, fresh paint, modern and sleek interior design Heating and comfort features: - Gas convector heating - Air conditioning that cools in summer and heats in winter, providing year-round comfort Room details: - 2 spacious bedrooms - Living room - Kitchen with dining area - Bathroom + separate WC - Laundry room - Hallway - Terrace Located in a quiet, peaceful area with a well-kept yard, it is an ideal choice for families and couples alike. School, kindergarten, and bakery are all just a 5-minute walk away. Our agency offers comprehensive services to clients: we assist with both subsidized and market-based loans currently available at an exceptionally favorable 3% interest rate, provide legal support, and arrange energy performance certificates, ensuring that every step of the transaction is executed smoothly and securely. Energy performance certificate is not available. For viewings and further information, feel free to contact us!

A spacious family home is available for sale in a quiet area of Szihalom, near the famous Zsóry Spa! This well-sized 68 m² house features a living room and 2 bedrooms, set on a 290 m² plot, just minutes from the renowned Zsóry Thermal and Beach Bath. The layout is practical and livable, including a spacious living room, two separate bedrooms, a kitchen-dining area, bathroom and WC, and entrance hall with storage. The rooms are adorned with beautiful parquet flooring, and hot water is provided by an electric boiler. The easily maintainable 290 m² plot is ideal for a small garden, relaxation, or potential expansion, with parking available in the yard. This property is perfect for permanent living or as a holiday home, with excellent investment potential due to proximity to spa tourism. Enjoy a peaceful environment while being close to all amenities. Don’t miss this opportunity! Call now for a personal viewing!

A family house for sale in a quiet part of Szihalom, near Zsóry Spa! This 68 m² property features a spacious living room, two separate bedrooms, a kitchen-dining area, a bathroom with a toilet, and an entrance hall with storage. The 290 m² plot is easy to maintain, ideal for a small garden, relaxation, or future expansion. Perfect for permanent residence, a holiday home, or investment due to its proximity to the famous Zsóry Thermal and Beach Spa. The rooms have attractive parquet flooring, and hot water is provided by an electric boiler. Enjoy a peaceful environment while having all amenities within reach. Don’t miss this opportunity! Call us for a personal viewing!

Exclusively listed with OTP Ingatlanpont! This 60 m² family house in Szihalom, Heves County is urgently for sale. Located halfway between Füzesabony and Mezőkövesd, just 20 km from Eger, the property sits on a 1439 m² plot with excellent soil quality, ideal for farming. The building mainly features clay walls, with the entrance wall rebuilt in brick-clay structure and extended with a wooden lightweight porch. The exterior condition is average and requires roof repairs. The interior comprises two separate bedrooms, a spacious kitchen-dining area, a bathroom, and an entryway. Continuous maintenance and renovations have occurred, including plumbing updates in 2008, window replacements, kitchen and bathroom flooring, and laminate flooring in the bedrooms added in 2015. The home is heated by a wood-burning stove. The surrounding area is advantageous: the street is inhabited by a quiet residential community, and the back fence leads directly to the meadow, where the banks of the Rima stream invite relaxing walks. For more information, feel free to call us, including weekends. Viewings are available by phone appointment. We offer discounted interest rates for home purchase and renovation loans backed by OTP Bank. Please reference number M296840 when inquiring.

Exclusively offered by OTP Ingatlanpont! In the Zsóri resort area of Szihalom, Heves County, a 82.6 m2, debt-free, furnished holiday home is for sale on a 316 m2 plot. The ground floor features 2 semi-rooms, a living room, kitchen, bathroom, and separate WC. The upper floor provides a spacious open area with its own WC and bathroom. The house is suitable for year-round living or can be rented out throughout the year, as the nearby thermal bath welcomes guests all year round. The roof is in good condition and has been replaced. The building has a dry cellar. Its size and location make it an ideal choice for couples, families with children, or any age group. Come and see for yourself! Our real estate agency supports clients in property purchase with legal background, CSOK, Village CSOK, baby waiting loan, and interest-reduced loan management!

Premium quality family house for sale in Szihalom, near Eger and Mezőkövesd, in a quiet and well-maintained environment. The property was built in 2006 and underwent a comprehensive renovation in 2021, utilizing modern technical solutions and high-quality materials to achieve its current sleek appearance. Since then, the house has been minimally occupied, ensuring it awaits its new owner in excellent condition. The 100 m² living space features a well-thought-out layout: 3 separate bedrooms, a bright and spacious living room, a separate dressing room, laundry room, pantry, garage, and a boiler room to enhance comfortable daily living. The living room provides direct access to a large, charming terrace with wooden flooring, ideal for family gatherings or peaceful relaxation. During the renovation, every room received new flooring, including unique Spanish tiles, alongside modern triple-glazed windows, aluminum shutters, and mosquito nets. The terrace sliding door is equipped with an electric shutter for added convenience, while the 4-layer aluminum entrance door offers excellent thermal insulation and a modern appearance. The home’s comfort is ensured by underfloor heating, a central gas heating system, a smart thermostat, and a heat pump air conditioning system. The bathroom features a humidity-sensing ventilation system, and security is enhanced by a smart camera surveillance system. The modern kitchen is fitted with built-in Electrolux appliances and atmospheric countertop lighting. The designer bathroom includes both a bathtub and a built-in shower, as well as an integrated bidet toilet. The 727 m² landscaped plot is orderly and well-maintained, equipped with an automatic irrigation system supplied by its own drilled well, making garden maintenance economical. The yard includes a garden shed with a built-in brick oven and a separate tool storage building. The property has an energy rating of C. One of the greatest advantages of this property is its excellent location, with the M3 motorway reachable in just a few minutes, and Budapest approximately an hour’s drive away. We offer comprehensive, bank-independent assistance for financing, including handling discounted loan options, free credit assessments, energy certificate preparation, and full purchase administration supported by legal background. The property is available for viewing at flexible, pre-arranged times!

Premium quality family house for sale in Szihalom, near Eger and Mezőkövesd, set in a quiet, well-kept environment. This property, built in 2006 and fully renovated in 2021, features modern technical solutions and high-quality materials, offering a sleek appearance. The house has only been briefly inhabited since the renovation, ensuring it is in excellent condition for its new owner. The 100 m² living space is well-designed, comprising 3 separate bedrooms, a bright and spacious living room, a dressing room, a laundry room, pantry, garage, and a separate boiler room, providing comfort for everyday living. The living room opens directly onto a large, charming terrace with wooden flooring, perfect for family gatherings or peaceful relaxation. During the renovation, all rooms received new flooring, including unique Spanish tiles, modern triple-glazed windows, aluminum shutters, and mosquito nets. The terrace sliding door features an electric shutter for added convenience, while the four-layer aluminum front door provides excellent thermal insulation and a modern look. Comfort is ensured by underfloor heating, central gas heating, a smart thermostat, and a heat pump cooling and heating system. The bathroom includes a humidity-sensing ventilation system, and security is enhanced by a smart camera surveillance system. The modern kitchen is equipped with built-in Electrolux appliances and ambient lighting. The designer bathroom features both a bathtub and a walk-in shower, as well as a built-in bidet toilet. The 727 m² landscaped plot is well-maintained and features an automatic irrigation system, supplied by its own drilled well, making garden maintenance economical. The yard includes a garden shed with a brick oven and a separate tool storage building. The property has an energy rating of C. One of the greatest advantages of this property is its excellent location, with the M3 motorway accessible in just a few minutes, and Budapest reachable in about an hour's drive. We provide comprehensive, bank-independent assistance in financing, including management of favorable loan options, free credit assessment, preparation of energy performance certificates, and full real estate transaction support backed by legal expertise. The property is available for flexible viewings by prior appointment!

A spacious family house for sale in a quiet part of Szihalom, near Zsóry Bath. This 68 m² home features a living room and 2 bedrooms on a 290 m² plot, just minutes from the famous Zsóry Thermal and Strand Bath. Ideal for a permanent residence, holiday home, or investment opportunity. The layout includes a generous living room, two separate bedrooms, kitchen-diner, bathroom, and storage spaces. Beautiful parquet flooring adds a cozy atmosphere, with hot water supplied by an electric boiler. The manageable garden is perfect for relaxation or potential expansion, with off-street parking available. Why choose this property? It's perfect for year-round living or as a vacation home, an excellent investment due to its proximity to spa tourism, easy to maintain with low utility costs, and situated in a tranquil area with all amenities close by. Don’t miss out on this opportunity! Call now for a personal viewing. Energy certificate in progress.

FOR SALE: A fantastic investment opportunity near Zsóry Bath! This 5-bedroom, 120 m² brick house offers a comfortable access and STABLE returns. Perfect for those seeking a RELIABLE investment, with an active clientele ensuring continuous income. Recent renovations (2022-2023) guarantee modern comfort, while 15 cm thick insulation optimizes maintenance costs alongside the heating-cooling air conditioning. Ideal location in a quiet environment, easily accessible from main routes. The spacious rooms and nearby thermal baths make it appealing for both short and long-term guests. Accommodating up to 14 guests, this property is perfect for tourist reception or events, suitable for INVESTMENT or even permanent residence due to its modern upgrades and optimal layout. Don't miss this exceptional opportunity!

Exclusively offered by OTP Ingatlanpont! In Szihalom, Heves County, on the Zsóri holiday area, a 82.6 m², free of encumbrances, furnished holiday home is for sale on a 316 m² plot. The ground floor features 2 half-rooms, a living room, kitchen, bathroom, and a separate WC. The upper floor has a spacious open area with its own WC and bathroom. The house is suitable for permanent residence or can be rented out year-round, as the nearby thermal bath welcomes guests all year round. The roof is in good condition and has been replaced. Due to its size and location, it is an ideal choice for couples, families with children, and any age group. Come and see for yourself! Our real estate agency supports clients in property purchases with a legal background, CSOK, Falusi CSOK, baby waiting loan, and discounted loan processing! The energy certificate is in progress and will be updated as soon as available.

Exclusively offered by OTP Ingatlanpont! In the Zsóri holiday area of Szihalom, Heves County, a 60 m², free of charge, furnished holiday home is for sale on a 313 m² plot. The property consists of 3 half-rooms, a living room/kitchen, bathroom, separate WC, pantry, hallway, and terrace. Heating can be provided by a stove. The house is suitable for permanent residence or can be rented out year-round, as the nearby thermal bath welcomes guests throughout the year. The roof is in good condition and does not require replacement. A dry cellar is located under the building. Due to its size and location, it is an ideal choice for couples, families with children, and any age group. Come and see for yourself! Our real estate agency supports clients' property purchases with a legal background, CSOK, Falusi CSOK, baby waiting loan, and preferential loan processing! The energy certificate is in progress and will be updated once available.

This immediately available, fully renovated family house is for sale! Offering a well-maintained, 92 m² property situated on a tidy 1540 m² plot. The house underwent a complete renovation 2 years ago, meaning the new owner can simply move in. Renovation details include: - Complete replacement of electrical and plumbing systems - 10 cm external insulation - New plastic windows - Yard filled with gravel - New flooring, fresh paint, modern and clean interior design Heating and comfort features: - Gas convector heating - Air conditioning that cools in summer and heats in winter – a comfortable solution all year round. Room layout: - 2 spacious bedrooms - Living room - Kitchen with dining area - Bathroom + separate toilet - Laundry room - Hallway - Terrace Environment and location: Located in a quiet and peaceful area with a well-maintained yard, it's an ideal choice for families and couples alike. School, kindergarten, and bakery are just 5 minutes away. Our office offers comprehensive services to clients: we assist with supported and market-based loans currently featuring exceptionally favorable 3% interest rates, provide legal support, and prepare energy performance certificates, ensuring that every step of the transaction is secure and smooth. The property currently does not have an energy performance certificate. Please contact us for viewings and further information! The energy certificate is in progress and will be updated in the listing once available.

Exclusively offered by OTP Ingatlanpont! A 60 m² family house in Szihalom, Heves County, is urgently for sale! Located 20 km from Eger, between Füzesabony and Mezőkövesd, this property features a 1439 m² plot of land with excellent soil quality, suitable for farming, along with outbuildings and a summer kitchen. The building mainly consists of clay brick walls, with the main wall rebuilt using brick-clay structure at the entrance, and an extension with a wooden lightweight structure. The external condition of the house is average, and the roof structure needs repair. The house includes 2 separate entrance rooms, a spacious kitchen-dining area, a bathroom, and an entrance hall. Continuous maintenance and renovation have been carried out: in 2008, plumbing was replaced, windows and doors were updated, and the kitchen and bathroom were concreted and tiled. In 2015, laminate flooring was installed in the rooms, walls were plastered, drywall was fixed to the ceiling, and the cornices were tiled both inside and outside. The kitchen island was developed as a space divider, and most recently, the electric boiler underwent a complete renovation. A wood-burning stove provides warmth. The surrounding area is pleasant, with a quiet residential community. The back fence leads directly to the field, where the banks of the Rima stream invite for relaxing walks. For more information, please call us, even on weekends. Viewings are available by phone appointment. Discounted interest housing purchase and renovation loans are available through OTP Bank at our office. Please refer to the M296840 number when inquiring. Home Start Loan Program The energy certificate is in progress, and the advertisement will be updated as soon as it is available.

Premium quality family house for sale in Szihalom, near Eger and Mezőkövesd, situated in a quiet, well-maintained environment. Built in 2006 and extensively renovated in 2021, this property features modern technical solutions and high-quality materials, providing a clean, contemporary appearance. With only a brief period of occupancy since the renovation, it awaits its new owner in excellent condition. The 100 m² living space boasts a well-thought-out layout: 3 separate bedrooms, a bright and spacious living room, a separate dressing room, laundry room, pantry, garage, and a separate boiler room for comfortable everyday living. The living room has direct access to a large, cozy terrace with wooden flooring, ideal for family and friend gatherings or peaceful relaxation. During the renovation, every room received new flooring, including unique Spanish tiles, alongside triple-glazed modern windows, aluminum shutters, and mosquito nets. The terrace sliding door is equipped with an electric shutter for convenience, while the four-layer aluminum front door offers both a modern look and excellent thermal insulation. Comfort is ensured with central gas heating featuring underfloor heating, a smart thermostat, and heat pump cooling and heating air conditioning. The bathroom includes a humidity-sensing ventilation system, while a smart camera surveillance system enhances the property's security. The modern kitchen comes with built-in Electrolux appliances and ambient counter lighting. The stylish bathroom includes both a bathtub and a built-in shower, as well as a built-in bidet toilet. The 727 m² landscaped plot is tidy and well-maintained, equipped with an automatic irrigation system fed by its own drilled well, making garden maintenance cost-effective. The yard includes a garden shed with a built-in brick oven and a separate tool storage building. The property has an energy classification of C. One of its greatest advantages is its excellent location, with easy access to the M3 motorway and Budapest just an hour's drive away. We provide comprehensive, bank-independent assistance with financing, including managing favorable loan options, free loan pre-qualification, preparing the energy certificate, and full transaction management supported by legal expertise. The property is available for viewing at flexible times by appointment!

Exclusively offered by OTP Ingatlanpont! In Szihalom, near the center, I present for sale a 105 m² family house on a 1321 m² plot. The main building features three spacious rooms, a kitchen, a bathroom, a separate toilet, as well as a hallway and corridor. In the yard, there is also a separate 70 m² second house with two rooms, a kitchen, a bathroom, a toilet, a corridor, and a pantry. Both properties require renovation but have basements. The plot includes a garage and outbuildings, while the currently unkempt garden, dotted with trees, provides an excellent basis for creating a charming, personalized yard. For more information, feel free to call, even on weekends. Viewings are available by phone appointment. Our real estate agency supports clients in property purchases with legal background, CSOK, Village CSOK, baby waiting loan, and interest rate discount loan management! The energy certificate is in process and will be updated as soon as available.

Exclusive listing by OTP Ingatlanpont! This 105 m2 family house is for sale on a 1321 m2 plot near the center of Szihalom, Heves County. The main building features three spacious rooms, a kitchen, bathroom, separate WC, hallway, and corridor. Additionally, there is a separate 70 m2 second house in the yard, which includes two rooms, a kitchen, bathroom, WC, corridor, and pantry. Both properties require renovation and have a cellar. The plot also includes a garage and outbuildings, while the currently unkempt garden with trees offers an excellent foundation for creating a cozy, personalized yard. For more information, feel free to call, even on weekends. Viewings are available by appointment. Our real estate agency provides legal support, assistance with CSOK, Village CSOK, baby waiting loans, and discounted interest loans to facilitate our clients' property purchases!

FOR SALE: A fantastic investment opportunity near Zsóry Bath! This 5-bedroom, 120 sqm brick holiday home offers stable returns and easy access. Recently modernized, with excellent insulation and two cooling and heating units, it accommodates 12-14 guests, perfect for short or long-term rentals. Located in a quiet area, just minutes from the thermal baths. Ideal for investors seeking a reliable property in a growing market. Don't miss out on this exceptional chance! Financing assistance available through OTP Bank.

Exclusively offered by OTP Ingatlanpont! In Szihalom, Heves County, in the Zsóri holiday area, a 82.6 m², free of encumbrances, furnished holiday home is for sale on a 316 m² plot. The ground floor features 2 half-rooms, a living room, kitchen, bathroom, and separate WC. The upper floor includes a spacious open area with its own WC and bathroom. This house is suitable for year-round living or can be utilized as a rental property, as the nearby spa welcomes guests throughout the year. The roof is in good condition and has been replaced. The building includes a dry basement. Due to its size and location, it is an ideal choice for couples, families with children, or any age group. Come and see the property in person! Our real estate agency supports clients in their property purchases with legal background, CSOK, Falusi CSOK, baby waiting loan, and interest-rate discounted loan processing.

Immediate move-in available for this fully renovated family home! This good condition 92 m² family house is situated on a well-maintained 1540 m² plot. The property underwent a complete renovation 2 years ago, so the new owner just needs to move in. Renovation details: - Complete electrical and plumbing system replacement - 10 cm external insulation - New plastic windows - Yard filled with gravel - New flooring, fresh paint, modern, minimalist interior design Heating and comfort: - Gas convector heating - Air conditioning for cooling in summer and heating in winter – a comfortable solution year-round Rooms: - 2 spacious bedrooms - Living room - Kitchen with dining area - Bathroom + separate toilet - Laundry room - Hallway - Terrace Environment and location: Located in a quiet, peaceful area with a well-kept yard, making it an ideal choice for families and couples alike. School, kindergarten, and bakery are just 5 minutes away. Our agency offers comprehensive services to our clients: we assist with the processing of supported and market-based loans at an exceptionally favorable 3% interest rate, provide legal support, and prepare the energy performance certificate, ensuring that every step of the sale process is secure and smooth. Contact us for viewings and further information!

Immediate move-in available for this fully renovated family home! This well-maintained 92 m² house is set on a tidy 1540 m² plot. It underwent a complete renovation two years ago, ensuring the new owner can simply move in. Renovation details include a full replacement of electrical and plumbing systems, 10 cm of external insulation, new UPVC windows, a gravel-filled yard, new flooring, fresh paint, and a modern, minimalist interior design. Heating is provided by gas convectors, and there's air conditioning for summer cooling and winter heating—ideal for year-round comfort. The layout features two spacious bedrooms, a living room, a kitchen with dining area, a bathroom plus separate WC, a laundry room, an entrance hall, and a terrace. Located in a quiet, serene area with a well-kept yard, it's perfect for families and couples. Schools, kindergartens, and bakeries are just a 5-minute walk away. Our agency offers comprehensive services, assisting clients with subsidized and market-based loans at currently favorable 3% interest rates, providing legal support and energy certificate preparation—ensuring a secure and smooth transaction process. The property currently lacks an energy certificate. Contact us for a viewing and more information!

A family house for sale in a quiet area of Szihalom, near Zsóry Bath! This 68 m² property features a spacious living room, 2 bedrooms, a kitchen-dining area, a bathroom with a WC, and an entry hall with storage. The 290 m² low-maintenance garden is ideal for relaxation or future expansion, and parking is available. Perfect for permanent residence, a holiday home, or as an investment due to its proximity to bath tourism.

For sale in a quiet area of Szihalom, near Zsóry Bath, is a livable-sized family home! This is an excellent opportunity for a permanent residence, holiday home, or investment! The property features a 68 m² house with a living room and 2 bedrooms, set on a 290 m² plot, just minutes away from the famous Zsóry Thermal and Strand Bath! The layout of the rooms is practical and livable: - Spacious living room - Two separate bedrooms - Kitchen-dining area - Bathroom and WC - Hallway, storage rooms The rooms have nice condition parquet flooring, providing a pleasant atmosphere, and hot water is supplied by an electric boiler. The 290 m² plot is easy to maintain, making it ideal for a small garden, relaxation, or even further expansion. Parking is available in the yard. Why choose this property? - Ideal for permanent living or as a holiday home - Excellent investment due to the proximity to spa tourism - Easily maintainable size - low utility costs - Quiet environment, yet everything is within reach Don't miss this opportunity! Call with confidence to arrange a personal viewing!

Exclusively offered by OTP Ingatlanpont! A 60 m² family house in Szihalom, Heves County, is urgently for sale! Situated 20 km from Eger, in a flat area between Füzesabony and Mezőkövesd, this 1439 m² plot features excellent soil quality suitable for agricultural use, auxiliary buildings, and a summer kitchen. The main structure is primarily adobe with a brick-adobe entrance wall and a wooden structure extension. The exterior is in average condition and requires roof repairs. The house comprises 2 separate bedrooms, a spacious kitchen-dining area, a bathroom, and a hallway. Ongoing maintenance updates include plumbing replacement in 2008, window replacements, and kitchen and bathroom renovations. In 2015, laminate flooring was installed in the bedrooms, walls were smoothed, drywall was added to the ceilings, and new tiles were applied inside and out. The property is heated by a wood-burning stove. The neighborhood is peaceful with a friendly community, and the back fence leads directly to a field, where the Rima stream invites relaxing walks. For more information, feel free to call, even on weekends. Viewings are by appointment only. Discounted mortgage loans for purchasing and renovation are available through OTP Bank. Please reference M296840 when inquiring.

Exclusively offered by OTP Ingatlanpont! In Szihalom, Heves County, a 60 m², furnished, mortgage-free holiday home is for sale on a 313 m² plot. The property features 3 half-rooms, a living room/kitchen, bathroom with separate toilet, pantry, hallway, and terrace. Heating can be provided by a stove. The house is suitable for year-round living or could be rented out, especially given the nearby thermal bath that welcomes guests year-round. The roof is in good condition and does not require replacement. Beneath the building is a dry cellar. Due to its size and location, it is an ideal choice for couples, families with children, and any age group. Come and see for yourself what this property has to offer! Our real estate agency supports clients in property purchases with legal background, CSOK, Falusi CSOK, baby waiting loan, and interest rate discount loan management!