Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Doha Bank - Housing Loan Doha Bank - Housing Loan Minimum Salary: QAR 15,000 Salary Transfer: No Early Settlement Fees: No Maximum Term: 20 Years Flat Rate: 2.3 Reducing Rate: 3.99
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Home loans is a financing facility from Doha Bank that offers Nationals and Expatriates the oppurtunity to buy a property in Qatar.

Doha Bank Housing Loan Features:
  • Interest rate: 3.99% for the first year
  • Finance up to 70% of the property value
  • Repayment up to 20 years (240 Months)
  • Loans to Qatari Nationals & Expatriates
  • No management fees
  • financing for Freehold
  • Financing for Leasehold
  • Financing for Readymade
  • Financing for self-construction
  • financing for Salaried & Self Employed Customers
Loan Tenor : 
  • Available for acquiring the residential property through outright purchase or construction
  • Repayment period up to 20 years (240 months)
  • Highly competitive interest rates
  • Insurance coverage to the financed property at highly favorable rates
  • Life & Fire Insurance with competitive interest rates
Maximum Loan Amount : 
  • Nationals QAR 5 Million
  • Expatriates QAR 4 Million
Target Segment: 
  • Nationals seeking to construct individual properties
  • Expatriates interested in investing on residential properties in government approved projects
  • Al Riyada customers
  • Private banking customers
Documents Required : 
  • Ready-made Housing Loan (For Qatari Nationals)
  • Under Construction Housing Loan (For Qatari Nationals)
  • Lease Hold Housing Loan (For Qatari Nationals/Expatriates)
  • Free hold Housing Loan (For Qatari Nationals & Expatriates)
Other Requirements : 
  • Both Nationals and Expatriates are eligible for the Doha Bank Car Loan
  • Age: Nationals : 18-65 years
  • Expatriates: 21-60 years
  • Down Payment: Nationals: NIL
  • Expatriates: 20%
  • Both Nationals and Expatriates are eligible for this product
  • Employees of Government, Semi-Government, Q’s Pack, approved list of companies
  • Rental income customers
  • Age group: Nationals- 18-70 years
  • Expatriates- 18-65 years
  • Length of service:
  • Nationals- Confirmed or within (1-3 months)
  • Expatriates-Confirmed or within (3-6 months)

Representative example:

If you borrow QAR 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 – QAR 297.50 | Total charge for credit – QAR 710 | Total amount you repay – QAR 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 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.
Representative Example Calculator
International Bank of Qatar - Mortgage for Qatari Nationals
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QAR 20,000
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International Bank of Qatar - Mortgage for Expatriates
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HSBC - Home Loan
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