Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Bank Muscat - Loans for Omani Nationals Bank Muscat - Loans for Omani Nationals Minimum Salary: OMR 250 Salary Transfer: No Islamic Finance: Yes Maximum Term: 10 Years Flat Rate: 4.3% Reducing Rate: 7.74%
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Loans for Omani nationals working in the Government / Quasi Government Sector and Approved Private Sector Companies

We, at Bank Muscat, are continuously trying our best to serve our customers according to their expectations. We have dedicated and experienced staff to guide our customers on the packages offered by us, and take them through the processes required.
  • Relaxed Guarantor requirement
  • Attractive interest rate
  • Increased tenor
  • Deferrals during Eid festivals
  • Free Call Center and Kiosk Banking facility
  • Free BankMuscat Online banking facility
Documents Required
  • your ID card, salary certificate (mentioning your salary and date of employment)
  • your bank statements of the previous 6 months (for non-BankMuscat account holders or account holders whose salary does not get credited to their BankMuscat account).
  • In addition, there could be additional documents depending on the size of the loan required or other requirements of the bank.
  • If you qualify, you need to provide a salary assignment letter from your employer addressed to BankMuscat.
** 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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