{"id":58279,"date":"2024-07-18T06:31:46","date_gmt":"2024-07-18T00:01:46","guid":{"rendered":"https:\/\/www.uab.com.mm\/?page_id=58279"},"modified":"2024-08-05T17:37:29","modified_gmt":"2024-08-05T11:07:29","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"
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\n\t\t\t\t\t\t\t\t\tHome<\/a> \/ Personal<\/a> \/ \u1001\u103b\u1031\u1038\u1004\u103d\u1031<\/a> \/ Home Loan<\/a> \/ Frequently Asked Questions\u200b<\/span><\/span>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Frequently Asked Questions<\/h3>\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<\/div>\n\t\t<\/section>\n\t\t
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How long is your banking processing time? <\/div><\/span>
The banking processing time for a home loan typically takes about 4 to 6 weeks (about 1 and a half months) from the submission of all required documents. <\/div><\/div>
What are the required documents for borrower?<\/div><\/span>

The required documents generally include:\u00a0<\/span><\/p>

  1. \u1000) \u1001\u103b\u1031\u1038\u1004\u103d\u1031\u101c\u103b\u103e\u1031\u102c\u1000\u103a\u1011\u102c\u1038\u101e\u1030\u104f \u1021\u102d\u1019\u103a\u1011\u1031\u102c\u1004\u103a\u1016\u1000\u103a (\u101e\u102d\u102f\u1037) \u1019\u102d\u1018\u1019\u103e \u1001\u103b\u1031\u1038\u1004\u103d\u1031\u1021\u1010\u103d\u1000\u103a \u1021\u102c\u1019\u1001\u1036\u1015\u1031\u1038\u101b\u1015\u102b\u1019\u100a\u103a\u104b
    <\/span>\u1001) \u1001\u103b\u1031\u1038\u1004\u103d\u1031\u101c\u103b\u103e\u1031\u102c\u1000\u103a\u1011\u102c\u1038\u101e\u1030 \u1014\u103e\u1004\u1037\u103a \u1021\u102c\u1019\u1001\u1036\u101e\u1030\u1019\u103e \u1010\u1004\u103a\u1015\u103c\u101b\u1019\u100a\u1037\u103a \u1021\u1011\u1031\u102c\u1000\u103a\u1021\u1011\u102c\u1038\u1019\u103b\u102c\u1038
    <\/span>
    • \u101c\u103b\u103e\u1031\u102c\u1000\u103a\u101c\u103d\u103e\u102c\u1015\u102f\u1036\u1005\u1036\u00a0<\/span><\/li><\/ul>
      • \u1019\u103e\u1010\u103a\u1015\u102f\u1036\u1010\u1004\u103a\u1019\u102d\u1010\u1039\u1010\u1030 - \u1021\u1010\u100a\u103a\u1015\u103c\u102f\u101b\u1014\u103a\u1021\u1010\u103d\u1000\u103a \u1019\u1030\u101b\u1004\u103a\u1038 \u1010\u1004\u103a\u1015\u103c\u101b\u1015\u102b\u1019\u100a\u103a\u104b\u00a0<\/span><\/li><\/ul>
        • \u101c\u1010\u103a\u1010\u101c\u1031\u102c\u101b\u102d\u102f\u1000\u103a\u1000\u1030\u1038\u1011\u102c\u1038\u101e\u100a\u1037\u103a \u1015\u1010\u103a\u1005\u103a\u1015\u102d\u102f\u1037 \u1021\u101b\u103d\u101a\u103a\u1021\u1005\u102c\u1038 \u1013\u102c\u1010\u103a\u1015\u102f\u1036\u00a0<\/span><\/li><\/ul>
          • \u1021\u102d\u1019\u103a\u1011\u1031\u102c\u1004\u103a\u1005\u102f\u1005\u102c\u101b\u1004\u103a\u1038 \u1019\u102d\u1010\u1039\u1010\u1030\u00a0<\/span><\/li><\/ul>
            • \u101b\u1015\u103a\u1000\u103d\u1000\u103a\u1010\u103d\u1004\u103a\u1014\u1031\u1011\u102d\u102f\u1004\u103a\u1000\u103c\u1031\u102c\u1004\u103a\u1038 \u1011\u1031\u102c\u1000\u103a\u1001\u1036\u1005\u102c\u00a0<\/span><\/li><\/ul>
              • \u1021\u102c\u1019\u1001\u1036\u1015\u1005\u1039\u1005\u100a\u103a\u1038\u1015\u102d\u102f\u1004\u103a\u101b\u103e\u1004\u103a\u104f \u1015\u1011\u1019\u1007\u1014\u102e\u1038\/\u1001\u1004\u103a\u1015\u103d\u1014\u103a\u1038 \u1000\u103d\u101a\u103a\u101c\u103d\u1014\u103a \n\u101e\u103d\u102c\u1038\u1015\u102b\u1000 \u1014\u1031\u102c\u1000\u103a\u1011\u1015\u103a\u1021\u102d\u1019\u103a\u1011\u1031\u102c\u1004\u103a \u1019\u1015\u103c\u102f\u1000\u103c\u1031\u102c\u1004\u103a\u1038 \u101b\u1015\u103a\u1000\u103d\u1000\u103a\u101c\u1030\u1000\u103c\u102e\u1038\u1011\u1036\u1019\u103e\u1011\u1031\u102c\u1000\u103a\u1001\u1036\u1005\u102c\u104b <\/span><\/li><\/ul>
                <\/span>
                • \u00a0<\/li><\/ul>

                  c) Income proof \u2013 If employed
                  <\/span><\/p>

                  • \u101c\u103d\u1014\u103a\u1001\u1032\u1037\u101e\u100a\u1037\u103a (\u1043) \u101c\u1005\u102c \u1018\u100f\u103a\u1005\u102c\u101b\u1004\u103a\u1038\u101b\u103e\u1004\u103a\u1038\u1010\u1019\u103a\u1038\u00a0<\/span><\/li><\/ul>
                    • \u1021\u101c\u102f\u1015\u103a\u101b\u103e\u1004\u103a\u1011\u1036\u1019\u103e \u1040\u1014\u103a\u1011\u1019\u103a\u1038\u1016\u103c\u1005\u103a\u1000\u103c\u1031\u102c\u1004\u103a\u1038\u1011\u1031\u102c\u1000\u103a\u1001\u1036\u1005\u102c\u00a0<\/span><\/li><\/ul>
                      • \u101c\u1005\u102c\u1016\u103c\u1010\u103a\u1015\u102d\u102f\u1004\u103a\u1038 ( \u1018\u100f\u103a\u1021\u1000\u1031\u102c\u1004\u1037\u103a\u1016\u103c\u1004\u1037\u103a\u101b\u101b\u103e\u102d\u101e\u100a\u103a\u1016\u103c\u1005\u103a\u1015\u102b\u1000 \u101c\u1005\u102c\u1016\u103c\u1010\u103a\u1015\u102d\u102f\u1004\u103a\u1038\u1019\u101c\u102d\u102f\u1021\u1015\u103a\u1015\u102b)\u00a0<\/span><\/li><\/ul>
                        • \u1021\u1001\u103d\u1014\u103a\u1005\u102c\u1021\u102f\u1015\u103a\u1019\u102d\u1010\u1039\u1010\u1030 <\/span><\/li><\/ul>


                          d) Income proof \u2013 If self-employed \/Business
                          <\/span><\/p>

                          • \u101c\u103d\u1014\u103a\u1001\u1032\u1037\u101e\u100a\u1037\u103a (\u1046) \u101c\u1005\u102c \u1018\u100f\u103a\u1005\u102c\u101b\u1004\u103a\u1038\u101b\u103e\u1004\u103a\u1038\u1010\u1019\u103a\u1038\u00a0<\/span><\/li><\/ul>
                            • \u101c\u102f\u1015\u103a\u1004\u1014\u103a\u1038\u101c\u102d\u102f\u1004\u103a\u1005\u1004\u103a\/\u1000\u102f\u1019\u1039\u1015\u100f\u102e\u1019\u103e\u1010\u103a\u1015\u102f\u1036\u1010\u1004\u103a\u101c\u1000\u103a\u1019\u103e\u1010\u103a\u00a0<\/span><\/li><\/ul>
                              • \u101b\u103e\u101a\u103a\u101a\u102c\u101b\u103e\u1004\u103a\u1005\u102c\u101b\u1004\u103a\u1038\u1000\u102d\u102f \u1021\u101e\u1031\u1038\u1005\u102d\u1010\u103a\u1016\u1031\u102c\u103a\u1015\u103c\u1011\u102c\u1038 \u101e\u100a\u1037\u103a DICA extract\u00a0<\/span><\/li><\/ul>
                                • \u101a\u1001\u1004\u103a\u1014\u103e\u1005\u103a\u104f \u1021\u1001\u103d\u1014\u103a\u1015\u103c\u1031\u1005\u102c\u00a0<\/span><\/li><\/ul>
                                  • \u1018\u100f\u103a\u1040\u1014\u103a\u1011\u1019\u103a\u1038\u1019\u103b\u102c\u1038\u1019\u103e \u1000\u103d\u1004\u103a\u1038\u1006\u1004\u103a\u1038\u1005\u1005\u103a\u1006\u1031\u1038\u104d \u1004\u103d\u1031\u1001\u103b\u1031\u1038\u101e\u1030\u104f\u1005\u102e\u1038\u1015\u103d\u102c\u1038\u101b\u1031\u1038\u101c\u102f\u1015\u103a\u1004\u1014\u103a\u1038\u1006\u1031\u102c\u1004\u103a\u101b\u103d\u1000\u103a\u1001\u103b\u1000\u103a\u1019\u103b\u102c\u1038\u1000\u102d\u102f \u1021\u1000\u1032\u1016\u103c\u1010\u103a\u1011\u102c\u1038\u101e\u100a\u1037\u103a\u1019\u103e\u1010\u103a\u1010\u1019\u103a\u1038 <\/span><\/li><\/ul>


                                    \u1004) \u1021\u102d\u1019\u103a\u1015\u102d\u102f\u1004\u103a\u1006\u102d\u102f\u1004\u103a\u1019\u103e\u102f \u1014\u103e\u1004\u1037\u103a \u1015\u1010\u103a\u101e\u1000\u103a\u101e\u100a\u1037\u103a \u1021\u1011\u1031\u102c\u1000\u103a\u1021\u1011\u102c\u1038\u1019\u103b\u102c\u1038
                                    <\/span><\/p>

                                    • \u1006\u1031\u102c\u1000\u103a\u101c\u102f\u1015\u103a\/ \u101d\u101a\u103a\u101a\u1030\u1019\u100a\u1037\u103a \u1019\u103c\u1031\u104a \u1021\u1006\u1031\u102c\u1000\u103a\u1021\u1025\u102e\u1038 \u104f \u1021\u101e\u1031\u1038\u1005\u102d\u1010\u103a\u1021\u1001\u103b\u1000\u103a\u1021\u101c\u1000\u103a\u1019\u103b\u102c\u1038\u104b\u00a0<\/span><\/li><\/ul>
                                      • \u101d\u101a\u103a\u101a\u1030\u1019\u100a\u1037\u103a \u1019\u103c\u1031\u104a \u1021\u1006\u1031\u102c\u1000\u103a\u1021\u1025\u102e\u1038\u1014\u103e\u1004\u1037\u103a \u1015\u1010\u103a\u101e\u1000\u103a\u101e\u100a\u1037\u103a \u101e\u1000\u103a\u1006\u102d\u102f\u1004\u103a\u101b\u102c\u1021\u1011\u1031\u102c\u1000\u103a\u1021\u1011\u102c\u1038 \u1019\u102d\u1010\u1039\u1010\u1030\u1019\u103b\u102c\u1038\u104b\u00a0<\/span><\/li><\/ul>
                                        • Related contracts \/ agreements etc. with the contractor, architecture, supplier\u00a0<\/span><\/li><\/ul>
                                          • Stage wise construction cost details, in case of construction\/renovation of house etc. <\/span><\/li><\/ul><\/li><\/ol><\/div><\/div>
                                            How are my payments \/ amortization collected?<\/div><\/span>
                                            Payments can be collected monthly through auto-debit from your bank account, post-dated cheques, uabpay or over-the-counter payments at any of our branches. <\/div><\/div>
                                            Do I need guarantor(s)?<\/div><\/span>
                                            Yes, guarantors are generally required for securing a home loan. The number and eligibility of guarantors will depend on the loan amount and the borrower\u2019s financial profile. <\/div><\/div>
                                            What types of home can I buy ?<\/div><\/span>

                                            You can buy various types of homes including:\u00a0<\/span><\/p>

                                            • Residential houses\u00a0<\/span><\/li><\/ul>
                                              • Apartments\u00a0<\/span><\/li><\/ul>
                                                • Condominiums\u00a0<\/span><\/li><\/ul>
                                                  • Land for construction of residential property\u00a0<\/span><\/li><\/ul>
                                                    • \u1021\u102d\u1019\u103a\u104a \u1000\u103d\u1014\u103a\u1012\u102d\u102f\u1019\u102e\u1014\u102e\u101a\u1019\u103a \u1014\u103e\u1004\u1037\u103a \u1010\u102d\u102f\u1000\u103a\u1001\u1014\u103a\u1038\u1019\u103b\u102c\u1038 \u1015\u103c\u1014\u103a\u101c\u100a\u103a \u1015\u103c\u1004\u103a\u1006\u1004\u103a\u1001\u103c\u1004\u103a\u1038\u104b <\/span><\/li><\/ul><\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                                                      How to Apply<\/div><\/span>
                                                      To apply for a home loan, you can visit any of our branches or apply online through our website. Fill out the application form and submit the required documents. <\/div><\/div>
                                                      What are the loan terms available?<\/div><\/span>
                                                      The loan terms available range from 1 year to a maximum of 15 years. <\/div><\/div>
                                                      Should I get the uab Home Loan through a dealer? <\/div><\/span>
                                                      It is not necessary to get a home loan through a dealer. You can apply directly through our bank. <\/div><\/div>
                                                      Are there any other charges for home loans? <\/div><\/span>

                                                      Yes, there are other charges such as MMCB fees, legal fees, valuation fees, and stamp duty. These charges will be detailed during the loan application process.\u00a0<\/span><\/p>
                                                      \u00a0 MMCB Fees<\/b>\u00a0\u00a0<\/span><\/td> \u00a0 12,000 MMK per application\u00a0<\/span><\/td><\/tr>
                                                      \u00a0 \u101b\u103e\u1031\u1037\u1014\u1031\u1001\u1014\u103e\u1004\u1037\u103a \u101b\u102c\u1016\u103c\u1010\u103a\u1001\u1019\u103b\u102c\u1038<\/b>\u00a0<\/span><\/td> \u00a0 \u1048\u1040,\u1040\u1040\u1040 \u1000\u103b\u1015\u103a\u00a0<\/span><\/td><\/tr>
                                                      \u00a0 \u101e\u1000\u103a\u1010\u1019\u103a\u1038\u1019\u1015\u103c\u100a\u1037\u103a\u1019\u102e \u1015\u103c\u1014\u103a\u101c\u100a\u103a \u1015\u1031\u1038\u1006\u1015\u103a\u101e\u100a\u1037\u103a \u1015\u1031\u102b\u103a\u1010\u103d\u1004\u103a \u1000\u1031\u102c\u1000\u103a\u1001\u1036\u1019\u100a\u1037\u103a \u1021\u1001\u1000\u103c\u1031\u1038\u1004\u103d\u1031<\/b>\u00a0<\/span><\/td>3% on prepaid amount (if paid during the first 2 years loan period)\u00a0<\/span><\/td><\/tr>
                                                      2% on prepaid amount (if paid during the third year of loan \u00a0 period)\u00a0<\/span><\/td><\/tr>
                                                      1% on prepaid amount (if paid after 3 years of loan period)\u00a0<\/span><\/td><\/tr><\/tbody><\/table><\/div><\/div>
                                                      What's the maximum loan based on my monthly income?<\/div><\/span>

                                                      The loan amounts up to 70% of the project cost of the construction\/ purchase.\u00a0<\/span><\/p>

                                                      \u1001\u103b\u1031\u1038\u1004\u103d\u1031\u1001\u103d\u1004\u1037\u103a\u1015\u103c\u102f\u101b\u102c\u1010\u103d\u1004\u103a \u1004\u103d\u1031\u1001\u103b\u1031\u1038\u101e\u1030\u1019\u103e \u1001\u103b\u1031\u1038\u1004\u103d\u1031 \u1021\u102c\u1038\u101c\u102f\u1036\u1038 (\u101a\u1030\u1021\u1031\u1018\u102e\u1014\u103e\u1004\u1037\u103a \u1021\u1001\u103c\u102c\u1038\u1018\u100f\u103a\u1019\u103b\u102c\u1038) \u1021\u1010\u103d\u1000\u103a \u101c\u1005\u1025\u103a\u1015\u1031\u1038\u101e\u103d\u1004\u103a\u1038 \u101b\u1019\u100a\u1037\u103a \u1015\u1019\u102c\u100f\u101e\u100a\u103a \u104e\u1004\u103a\u1038\u104f \u101c\u1005\u1025\u103a\u1021\u1000\u103c\u1019\u103a\u1038 \u1040\u1004\u103a\u1004\u103d\u1031 (\u1021\u1011\u1031\u102c\u1000\u103a \u1021\u1011\u102c\u1038\u1019\u103b\u102c\u1038\u1016\u103c\u1004\u1037\u103a \u1010\u1004\u103a\u1015\u103c\u1011\u102c\u1038\u101e\u100a\u1037\u103a \u1040\u1004\u103a\u1004\u103d\u1031)\u104f \u101e\u102f\u1036\u1038\u1015\u102f\u1036\u1010\u1005\u103a\u1015\u102f\u1036\u1011\u1000\u103a \u1019\u1015\u102d\u102f\u1005\u1031\u101b\u1014\u103a \u1010\u103d\u1000\u103a\u1001\u103b\u1000\u103a\u1015\u103c\u102e\u1038\u1019\u103e \u101e\u1004\u1037\u103a\u101c\u103b\u1031\u102c\u103a\u101e\u100a\u1037\u103a \u1015\u1019\u102c\u100f\u1000\u102d\u102f \u1001\u103d\u1004\u1037\u103a\u1015\u103c\u102f\u1015\u1031\u1038\u1001\u103c\u1004\u103a\u1038\u104b\u00a0<\/span><\/p>

                                                      Minimum monthly income: MMK 1,000,000. You can calculate the estimated loan amount via our calculator. <\/span><\/p><\/div><\/div><\/div><\/div>\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>","protected":false},"excerpt":{"rendered":"

                                                      Home \/ Personal \/ Loans \/ Home Loan \/ Frequently Asked … <\/p>","protected":false},"author":2,"featured_media":58405,"parent":58210,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-58279","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nFrequently Asked Questions - uab bank<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/\" \/>\n<meta property=\"og:locale\" content=\"my_MM\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Frequently Asked Questions - uab bank\" \/>\n<meta property=\"og:description\" content=\"Home \/ Personal \/ Loans \/ Home Loan \/ Frequently Asked ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/\" \/>\n<meta property=\"og:site_name\" content=\"uab bank\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/uabbankmm\" \/>\n<meta property=\"article:modified_time\" content=\"2024-08-05T11:07:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/uab.com.mm\/wp-content\/uploads\/2024\/07\/home-loan-feature-image.png\" \/>\n\t<meta property=\"og:image:width\" content=\"580\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/\",\"url\":\"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/\",\"name\":\"Frequently Asked Questions - uab bank\",\"isPartOf\":{\"@id\":\"https:\/\/uab.com.mm\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/#primaryimage\"},\"thumbnailUrl\":\"\/wp-content\/uploads\/2024\/07\/home-loan-feature-image.png\",\"datePublished\":\"2024-07-18T00:01:46+00:00\",\"dateModified\":\"2024-08-05T11:07:29+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/#breadcrumb\"},\"inLanguage\":\"my-MM\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"my-MM\",\"@id\":\"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/#primaryimage\",\"url\":\"\/wp-content\/uploads\/2024\/07\/home-loan-feature-image.png\",\"contentUrl\":\"\/wp-content\/uploads\/2024\/07\/home-loan-feature-image.png\",\"width\":580,\"height\":350},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/uab.com.mm\/mm\/personal\/loans\/home-loan\/frequently-asked-questions\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Personal\",\"item\":\"https:\/\/www.uab.com.mm\/?page_id=1280\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Loans\",\"item\":\"https:\/\/www.uab.com.mm\/personal\/loans\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Home Loan\",\"item\":\"https:\/\/www.uab.com.mm\/personal\/loans\/home-loan\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Frequently Asked Questions\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/uab.com.mm\/#website\",\"url\":\"https:\/\/uab.com.mm\/\",\"name\":\"uab bank\",\"description\":\"Connect. 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