Qatar

You can apply via an email with your personal details (nationality, employer, phone number, email), visit our branches or Mortgage Center in Lagoona Mall, or contact our Customer Care Center on 4440 7777.

Qatari nationals & expatriates.

From 18 to 70 at maturity of the loan.

From 21 to 60 at maturity of the loan.

Loan limit is QR4,000,000 for Qatari nationals and QR3,000,000 for expats.

Loan tenure is from 180 to 240 months for Qatari nationals, depending on whether they are salaried or self-employed. Tenure for expats is from 180  to 240 months, also depending on whether they are salaried or self-employed.

For Qatari nationals, it’s QR12.5m (principal amount + current liabilities inside and outside QNB). For expats, it’s QR3m (principal amount + current liabilities inside and outside QNB).

The process takes seven working days subject to submission of all required documents.

Your application will be evaluated according to your income stream, employment history and stability, your ability to meet current obligations as well as new ones (credit bureau report), the value of the property being purchased, and your assets to assess your ability to meet your down payment.

A pre-approval would help you determine your eligibility for a Mortgage Loan before you decided to finalize a property purchase.

Yes, both life insurance and property insurance are mandatory before disbursing the loan. The property insurance premium is calculated according to the cost of the property and is available only through SEIB insurance company (Qatar branch). The amount of the insurance premium will be debited from your account prior to the final disbursal and each year thereafter. A property insurance certificate will be delivered to you by the insurance company. Life insurance is also mandatory from Qatar Insurance Company (QIC) with the insurance premium already added to the EMI.

• Application form
• Original QID (Qatari ID)
• Original Passport with valid visa (for expats)
• Salary certificate addressed to QNB
• Original bank statements for the last six months (if salary is transferred to another bank)
• Liability letter addressed to QNB (if loan is transferred from another bank)
• Photocopy of signed Purchase Contract

• Application form
• Passport copy with valid visa (for expats)
• Personal bank statements for the last six months

  Business bank statements for the Last 12 months
• Liability letter addressed to QNB (if loan is transferred from another bank)
• Audited financial statements for the last 2 years (if available)
• Trade license copy
• Copy of Commercial Registration
• Governmental or private rental contract (if rental income is considered)
• Photocopy of signed Purchase Contract

Yes. Your salary has to be transferred to QNB (for salaried segment).

Once your loan is approved, workflow will send you an SMS notification with the status of the loan and our Relationship Officer at the Mortgage Loan Center will contact you for the offer letter, which will be provided upon approval. You will need to complete the formalities within 30 days of issuance. The offer letter is valid for a period of 60 days to allow you to complete the formalities.