Apply for a Housing Loan

Apply for a Housing Loan today and drive away with a new car as a gift along with a wide range of exceptional free benefits!


Features & Benefits

  • Interest rate of 6.25% (QCB + 0%).
  • Up to 12 Months grace period.
  • Customers are eligible to receive a gift equivalent to 7% of their loan amount, provided in the form of a cheque for the purchase of a car. Alternatively, customers may opt for a 5% cashback on the loan value, which will be credited to their Doha Bank Credit Card upon loan disbursement. The maximum value for either the gift or cashback is capped at QAR 200,000.
  • Free “Mortgage Fees” of QAR 1,000.
  • Refund of “Evaluation Fees” up to a maximum of QAR 2,500 upon granting the loan.
  • Refund of Evaluation Fees paid to MOJ up to a maximum of QAR 1,500.
  • Free life insurance for the first year.
  • Free fire insurance for the first year.
  • Management fees of 1% of the loan amount.

Eligibility Criteria

  • Eligibility extends to all Qatari and expatriate customers, both existing and new, who have their salaries transferred to Doha Bank.

Main Terms & Conditions

  • This offer is exclusively available for the purchase of new homes, refinancing existing home loans to Doha Bank, or securing financing against the mortgage of a property owned by the customer, provided the property is not the customer’s current residence.
  • The minimum tenor of the housing loan is 10 years.
  • The minimum loan amount is QAR 1 million.
  • To avail the 5% cashback, the customer must apply for a credit card.
  • If the loan is repaid (settled) before the end of a 5-year term, the customer is required to return all the free benefits received as part of the offer.

Required Documents

  • Original ID for Qataris and Passport for Expatriates.
  • New salary certificate (Not exceeding 30 days).
  • 6 months stamped bank statement.
  • Quotation from property seller or developer.
  • Property Title Deed Copy.
  • Liability certificate for customers requesting liability transfer.

Examples on the campaign

Qataris:

Market Value

(Purchase Price)
Forced Sales Value

(90% from Market Value)
Loan Amount

(80% from FSV)
Down Payment EMI

(Equivalent Monthly Instalments)
120 Months 180 Months 240 Months 300 Months 360 Months
2,000,000 1,800,000 1,440,000 560,000 16,193 12,440 10,620 9,597 8,967
2,500,000 2,250,000 1,800,000 700,000 20,241 15,550 13,275 11,996 11,209
3,000,000 2,700,000 2,160,000 840,000 24,290 18,660 15,930 14,396 13,451
3,500,000 3,150,000 2,520,000 980,000 28,338 21,770 18,600 16,795 15,693
4,000,000 3,600,000 2,880,000 1,120,000 32,386 24,880 21,241 19,194 17,935
4,500,000 4,050,000 3,240,000 1,260,000 36,435 27,990 23,896 21,593 20,193
5,000,000 4,500,000 3,600,000 1,400,000 40,483 31,100 26,551 23,993 22,418
Expatriates:
Market Value

(Purchase Price)
Forced Sales Value

(90% from Market Value)
Loan Amount

(75% from FSV)
Down Payment EMI

(Equivalent Monthly Instalments)
120 Months 180 Months 240 Months 300 Months
1,500,000 1,350,000 1,012,500 487,500 11,386 8,747 7,467 6,748
2,000,000 1,800,000 1,350,000 650,000 15,181 11,662 9,957 8,997
2,500,000 2,250,000 1,687,500 812,500 18,976 14,576 12,446 11,247
3,000,000 2,700,000 2,025,000 975,000 22,772 17,494 14,935 13,496
3,500,000 3,150,000 2,362,500 1,137,500 26,567 20,409 17,424 15,745
  • All amounts are quoted in Qatari Riyal.
  • The calculations provided are indicative and may be subject to change according to the bank’s policy.
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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.