Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
BLOM Bank - Housing Loan Darati BLOM Bank - Housing Loan Darati Minimum Salary: JOD 0 Salary Transfer: No Early Settlement Fees: No Maximum Term: 25 Years Flat Rate: - Reducing Rate: 0.7
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  • Maximum Loan amount: 500,000 JOD
  • Loan period: Maximum 25 years
  • Loan value: Up to 80% of the property estimated value
  • Interest: Overnight InterBank rate the interest will be calculated on the monthly reducing balance
    Interest Rate is variable and will be reviewed & amended yearly (on 31/3, 30/6,30/9 and 31/12)
  • Interest Rate   (Reducing)P.A:
  1. Governmental and private sector with salary demociliation: 8.5%
  2. Employees without salary demociliation: 8.5% - 9.5%
  • Loan Commission: 1% of the loan value (for once)
  •  Guarantees:
  1. Mortgage for the bank
  2. Mortgage fees and the real estate appraised fees on client
  • The possibility of issuing free Credit Card for the first year
  • Age: (21-70) years old at the end of the loan
  • Monthly Payment:
  1. Debt burden ratio should not exceed 50%, for Resident Clients.
  2. Debt burden ratio should not exceed 35%, for Jordanians working abroad
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to 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 of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
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