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Housing Loan for Expatriates Introduced by BDL 504
What do you get?
  • Currency: USD
  • Maximum Loan amount: 800,000 US$
  • Interest rate: 
    USD: Beirut Financial Instruments USD Index (BFI 5.5% as at 31/03/2020)  – 3.5% (currently 2%) - Interest is variable and reviewed annually
  • Financed amount: up to 75% of the apartment's value (construction or acquisition)
  • Repayment period: up to 30 years (including grace period)
  • No file fees
How does it work?
To qualify for Fransabank Housing Loan:
  • You should be of a Lebanese nationality
  • You should be maximum 64 years old at loan maturity
  • Your minimum monthly income should be US$ 1,000
  • You should be an employee for 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?
  • First degree mortgage of the apartment
  • Life insurance covering applicant up to loan amount
  • Fire insurance on the apartment up the appraised value

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

  • Authenticated salary certificate


  • 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
​​​​​​​​​​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