????? ??? ?????? ??????? ??????? ??????? ??????? ????? ????? ??????? ?? ?? ????? ??? ??????? ??????? ???????? ????? ?????? ???????? ????? ????????.A CEMA personal loan may be used by new home customers, however it’s additional typically employed by homeowners who want to refinance their current home loans (much more on that afterwards).On top of