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Expatriates Housing Loan
What do you get?
  • Currency: US$
  • Minimum Loan amount: 20.000 US$
  • Maximum Loan amount: 500.000 US$
  • Interest rate: indexed to the BRR (Beirut Reference Rate) + 1 with a minimum of 6.75%​
  • Repayment period: from 5 years to 20 years
  • Financed amount: up to 75% of the apartment's value
  • Free credit card
  • Optional grace period: up to 1 year

How does it work?
To qualify for the Expatriates Housing Loan:
  • You should be of a Lebanese nationality
  • You should be maximum 60 years old at loan maturity
  • If you are single, your minimum monthly salary should be 1000 US$ (employed or self-employed)
  • If you are married, your minimum monthly salary should be 2000 US$ (employed or self employed)
  • If you are an employee, you should be in the same company for a minimum of 2 years
  • If you are self-employed, you should be in the same 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?
  • First degree mortgage of the apartment
  • Life insurance covering the applicant up to loan amount
  • Fire insurance on the apartment up to the appraised value

Required Documents
Personal Documents
  • Copy of identification card
  • Copy of family civil register
  • Proof of residence such as electricity, telephone, or water bill
  • Copy of medical insurance card or NSSF card
  • Copy of valid work permit
  • Copy of valid residence permit
  • Copy of valid passport
Employement-Related Documents

  • Salary certificate authenticated by Lebanese embassy abroad and the Ministry of Foreign Affairs in Lebanon
  • Legal proxy enabling a third party to sign all the formalities on behalf of the applicant and legal approval


  • 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 of real estate certificate
  • Original of 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

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