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Is it a must for one to submit the helb loan application form if it is the first time?

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in Huduma Centre by (11 points)
Is it a must for one to submit the helb loan application form if it's the first time?

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You do not have to manually submit HELB loan application forms (now HEF). All the required details should be submitted online.
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How,plus how can i change the guarontor
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