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PHE Housing Loan
PHE Housing Loan  
 
In Cooperation with the Public Housing Establishment (PHE)

What do you get?
  • Currency: LBP
  • Loan amount: Up to LBP 270 million
  • Interest rate: 20% of the yield rate on the two year Lebanese treasury bills + 3.9% and renewable every 2 years
  • Financed amount: up to 90% of the apartment's value for individuals in private sector
  • Financed amount for public sector employees: up to 100% of the apartment's value for individuals in public sector
  • Free credit card
  • Repayment period: up to 30 years split over two equal periods:
    During the first period, you settle the principal amount of the loan to Fransabank
    During the second period, you settle the interest to PHE

How does it work?
To qualify for the PHE Housing Loan:
  • You should be of a Lebanese nationality
  • You should be maximum 64 years old at loan maturity
  • Your family income should not exceed LBP 6.75 million
  • You should be employed at the same company or profession for a minimum of 2 years

How can you repay your loan ?
  • Through monthly installments that can reach up to 33% of your monthly income

What are the guarantees needed?
  • Mortgage, senior debt of the apartment
  • Life insurance covering applicant up to loan amount
  • Fire insurance on the apartment up to the appraisal value

Required Documents
Personal Documents
  • Copy of identification card or valid passport
  • Copy of family civil register
  • Proof of residence such electricity, telephone, or water bill
  • Copy of medical insurance card or NSSF card
Employement-Related Documents
Employed
  • Authenticated salary certificate
Self-Employed
  • Declaration of income and expenses and of taxes if available
  • Bank's statement of accounts for the last 2 years
  • Copy of company's circular
  • Balance sheet for the last 2 years
Plot-related Documents
  • Copy of title deed
  • Original real estate certificate
  • Original real estate certificate for the common parts
  • Original of promise of sale contract
  • Copy of rules of co-proprietors
  • Copy of planning certificate
  • Copy of housing permit
  • Copy of allotment plan
Documents related to construction
  • Copy of work report by the Project Engineer
  • Copy of building permit certified by the Syndicate of Engineers
Download Product Key Fact Statement ​​​​​​​​
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No.1 on the list of banks. BDL Authorization No. 11/438 dated 21.09.2006. Designed and developed by Borninteractive