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Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Khaleeji Commercial Bank - Home Finance Khaleeji Commercial Bank - Home Finance Minimum Salary: BHD 250 Salary Transfer: No Early Settlement Fees: Yes Maximum Term: 0 Years Flat Rate: 6.0% Reducing Rate: 10.8%
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KHCB’s Sharia’a compliant Home financing is easy, affordable and fast with a competitive Profit rates. Their flexible financing is available to employees as well as self-employed and available to Bahrainis and expatriate resident in Bahrain.

With KHCB flexible Home financing it is easy to buy your dream Home.

Khaleeji Commercial Bank Home Finance Features:
  • Minimum Salary required is BHD 250
  • Maximum loan amount BHD 400,000
  • Financing up to 85%
Documents Required:

EMPLOYEES
  • Valid passport copy & original Smart Card (Resident Visa page for Non-Bahraini).
  • Original salary certificate (not more than 30 days old).
  • Valuation fees.
  • Latest original salary slip (in case of variable pay last 3 months).
  • Original 3 months personal bank statements in where salary is credited.
  • Liability letter from bank/financial institution in original in case of refinance.
  • Arrangement Fees 1% of the Finance Amount or minimum BHD250.
  • Copy of Title Deed (page 1, 2,3,10 and 12).
SELF-EMPLOYED
  • Valid passport copy & original Smart Card (Resident Visa page for Non-Bahraini).
  • Copy of valid Commercial Registration.
  • Valuation fees.
  • Copy of Memorandum & Articles of Association.
  • Audited Financial Statements for last 3 years (or)
  • 12 months Bank statement required for business accounts.
  • 6 month Bank statement required for personal accounts.
  • In case of other income (rental income) copy of valid lease agreements (Copy of title deed for the leased property).
  • Copy of Title Deed.
  • Arrangement Fees 1% of the Finance Amount or minimum BHD250.
  • In case of other income (rental income) copy of valid lease agreements (Copy of title deed for the leased property)

Representative example:

If you borrow BHD 10,000 over 3 years at a Representative APR of 4.6% fixed and an annual interest rate of 4.6% you would pay:

Payment per month – BHD 297.50 | Total charge for credit – BHD 710 | Total amount you repay – BHD 10,710

Please note, the actual rate applied to your loan will depend on your circumstances.
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The calculated Annual Percentage Rate(APR) is determined using the annual interest rate on the product plus fees and other costs. The APR is useful when comparing two or more products with different interest rates and fee structures.
Representative Example Calculator
National Bank of Bahrain - Home Loan
Minimum Salary
BHD 350
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5.3%
Ithmaar Bank - Home Finance
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5.94%
SCB Mortgage Loan
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BHD 400
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HSBC Mortgage
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