Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Bank Dhofar - Personal Loan Bank Dhofar - Personal Loan Minimum Salary: OMR 320 Salary Transfer: No Islamic Finance: No Maximum Term: 10 Years Flat Rate: 4.5% Reducing Rate: 8.1%
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Financial assistance to make your plans a reality.

Bank Dhofar’s Personal Loan helps eliminate any roadblock that keeps you from fulfilling your desires and goals. Be it the holiday you have always wanted or the home renovation project that you wanted to embark upon, the quick and easy to apply Personal Loan is structured to fit your needs.
  • Loan up to OMR 500,000
  • Loan period up to 10 years plus two deferments per year
  • Monthly loan instalment repayment up to 50% of net monthly salary
  • Monthly life insurance deduction on outstanding loan
  • Access to online services enabling you to check your outstanding loan and instalments
  • Topping up of loan can be availed after 24 months of satisfactory repayment or after 50% loan has been repaid.
  • Minimum salary of OMR 320
  • Minimum age 18 years and above
  • Employed with one of the approved employers list of the bank
  • New loan eligibility up to 50% DBR.
** 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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