Apply for Doha Bank’s Housing loan at just 3.99% and earn up to 25% back in Avios

Apply now and get exclusive benefits!

Key Campaign Features

Campaign Period

  • Valid until 31 December 2026.

Interest Rate

  • 3.99% fixed for the first 3 years.
  • Thereafter QCB + 1% for the remaining tenure.
  • No floor rate applied.
  • Installments initially calculated based on 3.99% and adjusted after the fixed period.

Minimum Loan Amount

  • QR 500,000

Minimum Loan Tenure

  • 10 years

Grace Period

  • Optional grace period of up to 12 months.

Management Fees

  • 0.5% of the loan amount (no cap), payable upfront from loan proceeds.

Early Settlement

  • 3% on outstanding balance if settled within the first 5 year.

Partial Settlement

  • Up to 10% per year.
  • Subject to 1% charge on the partial settlement amount.
  • If partial settlement exceeding 10% per year then 3% charge will apply.

Campaign Reward

Customers may choose one of the following options:

Avios Reward

  • Avios equivalent to 25% of the approved loan amount.
  • Avios cap: 2 million.

OR

Cash Back Option

  • 1% cash back, capped at QAR 90,000 Credited to Doha Bank customer’s credit card.

Fees & Insurance

Life Insurance

  • Free for the first 6 months.
  • Premium recovered monthly thereafter.

Fire Insurance

  • Free for the first year, up to QR 1,500.

Fee Refunds (post disbursement)

  • Property evaluation fee: QR 2,000.
  • MOJ mortgage fee: up to QR 1,500.

Eligible Loan Types

The campaign applies to:

  • New to Bank Housing Loans.
  • Buyout / Transfer from other banks.
  • Equity Release.
  • Personal Loan to Housing Loan conversions (net amount).

Source of repayment could be salary or rental income.

Note: Top up loans for existing Doha Bank Housing Loan customers are excluded from this campaign.

Eligibility

  • The offer is available to existing and new Qatari customers and residents who transfer their salaries to Doha Bank.

Required Documents

  • Original QID for Qataris.
  • Salary certificate not exceeding 30 days.
  • Stamped account statement for the last six months.
  • Quotation from the property seller or developer.
  • Copy of the property title deed.
  • Balance Confirmation Certificate from the existing bank to the customers who wish to transfer their liabilities to Doha Bank.

Key Terms & Conditions

  • The offer is only applicable for buying a new house, transferring the existing housing loans to Doha Bank, or obtaining financing against a mortgaged property owned by the customer, provided that such property is not the customer’s residence.
  • The minimum loan tenor to avail the offer is 10 years.
  • The minimum period before full repayment with no additional fees is 5 years.
  • If the loan is settled before the completion of 5 years, the customer must pay 3% as early repayment fee (instead of the standard fees of 1%).
  • Minimum Housing Loan Amount is QR 500,000.
  • The customer must hold for a Doha Bank Credit Card to avail Avios or cashback.

Find out if you are qualified by clicking on the link below

Apply Now

Or

Interest Calculation (APR):

  • Commencing from the Loan Date, interest shall accrue on the Loan on a daily basis at the relevant Interest Rate and will be capitalized to the Loan Amount at the end of each month.
  • Interest will be calculated as per following formulae. The Daily Balance of the Loan X Total Annual Rate X (1/360)
  • Every payment made after the due date will result in additional interest accrual on loan
  • Where a Grace Period applies or where the Customer is granted a postponement in respect of an installment, interest on the relevant Loan shall continue to accrue and will be capitalized to the Loan Amount at the end of each relevant month.

Property Buying Guide