Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
National Bank of Oman - Personal Loan National Bank of Oman - Personal Loan Minimum Salary: OMR 300 Salary Transfer: No Islamic Finance: No Maximum Term: 10 Years Flat Rate: 4.3% Reducing Rate: 7.74%
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This is a strategic catalyst that is intended to propel you into the realization of your personal goals and dreams.
  • Credit Life Insurance covers your loan amount for the whole of your loan repayment period. This enables the bank to waive all outstanding loan payments in the event of death
  • Installment deferment – you can defer your monthly payment twice a year, allowing you greater control and serenity of mind
Documents Required
  • A valid national ID card copy
  • Passport copy-for aliens
  • Labor card copy-for aliens
  • Salary assignment letter
  • Most recent salary certificate
  • A Six-month bank statement (for buy-out loans)
  • Outstanding letter (for buy-out loans)
  • One passport photo
  • A recently paid electricity or telephone bill in the applicant’s name
  • Employee between 18 and 60 years of age.
  • At National Bank of Oman, we believe that banking should be made simple for everyone. The National Bank of Oman Personal Loan is open to all Omani nationals with a minimum salary of OMR 300/- , as well as to expatriates working in Oman with a minimum salary of OMR 400/-
** 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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