MPT’s “YuHtar HtawB” service allows MPT users to borrow balance whenever their available phone bill is low. In case of emergencies or when topping up is not convenient, users can dial *400# to borrow the loan of “YuHtar HtawB” service.  The loan amount and service fee will be deducted from your next top up, either fully or partially, depending on the mobile balance available. After taking loan from YuHtar HtawB service, users can borrow their loan equal to 10 times or 5 times. The loan balance can be used flexibly for data usage, any local mobile phone calls, or SMS with special rates during the validity period of your pack.

You can borrow the loan from “YuHtar HtawB” service as following ways:

• By Direct USSD, dial *400# to borrow pack.
• By sending SMS to “4000” with desired loan amount included 5X times (or) 10X times.

The following conditions are required to borrow “YuHtar HtawB” pack:

• You should be a pre-paid user.
• Your number should not be in Blacklist.
• Your number should be active on MPT network for more than 30 days.
• You must have top up at least once in the last 90 days.
• You must have topped up at least phone bill 3000 Ks in the last 90 days.
• Your credit limit is calculated based on the number and amount of your top ups with MPT.

You can take the loan for the given amount below based on your designated “YuHtar HtawB” loan package.

“YuHtar HtawB” Loan amount and service fee will be charged from your next top up either fully or partially based on your mobile balance availability.

The borrowed “YuHtar HtawB” pack can be used flexibly for data, any local mobile phone calls, any SMS during the pack validity period.

The validity of the loan from “YuHtar HtawB” service.

Dial *400*7#
Dial *400#  Info  For debt Info

Dial *400*9#
Dial *400# -> Info -> To check eligibility

Dial *400*5#
Dial *400# -> Info -> For loan history

It is decided based on multiple factors like:

• Number of Top up
• Amount of Top up
• Days of activation on MPT network

Your “YuHtar HtawB” loan amount depends on your personal credit limit and is decided by system based on the following factors:

• Number of Top up
• Amount of Top up
• Days of activation on MPT network

To increase your “YuHtar HtawB” loan credit limit, you should stay active on MPT network always and top-up regularly.

Based on your eligibility, you can take “YuHtar HtawB”  loan up to the maximum “YuHtar HtawB” loan amount without repaying your current loan. The loan balance and service fee will be automatically deducted, either partially or fully, when you top up your main balance.

You will not be eligible to borrow the loan exceeding 100,000 Ks (Max credit amount per person).

The maximum borrowing amount will be different for each user based on their credit eligibility, which depends on the following factors:

• Number of Top up
• Amount of Top up
• Days of activation on MPT network

If you borrow a new loan before fully using the previous loan, the remaining loan balance will be added to the amount of the new loan.

If a user borrows a new “YuHtar HtawB” loans without fully using the validity period of the previous loan, the validity period of the latest loan will apply and effective.

Examples 1

First Time loan taken- {original loan amount 2,000 Ks = 10,000 Ks (5X) YuHtar HtawB (Validity period 30 days)}

Second Time loan taken-{original loan amount 1,000 Ks = 5,000 Ks (5X) YuHtar HtawB (Validity period 15 days)}

Total loan balance and validity period-{original loan amount 3,000 Ks = 15,000 Ks (5X) YuHtar HtawB (Validity period 15 days)}

Examples 2

First Time loan taken- {original loan amount 1,000 Ks = 5,000 Ks (5X) YuHtar HtawB (Validity period 15 days)}

Second Time loan taken- {original loan amount 2,000 Ks = 10,000 Ks (5X) YuHtar HtawB (Validity period 30 days)}

Total loan balance and validity period-{original loan amount 3,000 Ks = 15,000 Ks (5X) YuHtar HtawB (Validity period 30 days)}