1. Registration on the Qoldau.kz web portal 2. Signing an application to join the user agreement On registering paper subsidy agreements 3. Submission by the borrower of an offer to register paper subsidy agreements 4. Confirmation of the borrower's proposal by the financial institution Under new loan agreements that have not previously been subsidized 5. Submitting a proposal for a previously not subsidized loan agreement 6. Confirmation of the borrower's proposal by the financial institution 7. Submission of a grant application by a financial institution 8. Download by a financial institution payments under subsidy agreements 9. The main aspects of subsidizing at an interest rate