You can claim Baby Waiting Allowance if: you are married and both have reached the age of 21 but your wife has not yet reached the age of 41, at least one member of the couple has 3 years of continuous social security (TB) status, both have both parties have no criminal record and do not have a public debt registered with the NAV, neither of them is included in the KHR system (formerly the BAR list) due to omission, if the couple is already raising at least one child, one of them is living in their first marriage, 44 / 2019. They meet the eligibility conditions of the Government Decree and are considered creditworthy based on OTP Bank's own assessment.