Bella Orynbetova, Ushkyn Saidirakhman, Namazaly Omashev, Manchuk Mukasheva,. “Mortgage Lending As a Financial Management Tool”. Opción 34, no. 87-2 (December 19, 2019). Accessed October 31, 2025. https://produccioncientifica.luz.edu.ve/index.php/opcion/article/view/30402.