Live Green with Doha Bank Green Home Loan

Doha Bank support sustainable development goals and promotes environmental consciousness among homeowners and contribute to the nation’s mission to fight against climate change. Green Home Loan offer rewards environmentally friendly homemakers and prospective homeowners with extremely attractive benefits as one of the ways we encourage greener choices.

Green Home Loan provides 0% interest for 1 year and a whole lot of privileges for homes that are certified as energy-efficient and environment-friendly. Take advantage of this amazing offer to ease your financial burden and relax in your dream home while contributing towards greener future.


Live Green Benefits

  • Environmentally friendly homes will have better resale value.
  • Help customers use energy-efficient utilities to lessen their family’s carbon footprint.
  • An energy efficient home is cheaper to maintain and has lower monthly utility costs.

Green Home Loan Offers

  • 0% interest for first 12 months.
  • QCB + 1% from 13th month onwards.
  • Up to 12 months grace period.
  • Free Mortgage fees.
  • Free Management fees.
  • Free Property Evaluation fees.

Least Qualifications to Avail this Offers

  • To be eligible for the Green Home Loan, buy a property with energy-efficient lighting and air conditioning standards.
  • When choosing your lighting source (bulbs, tubes, or lamps) use LEDs or Fluorescent types of lights which cost less in the long run. Better yet, invest on solar powered technologies to reduce your electricity consumption.
  • Air conditioning units are one of the necessities that are essentials in every home in Qatar. Using air conditioning units with 7 or more stars are more energy saver since they have inverter control features. Having centralized air conditioning or obtaining services from Qatar Cool will give you higher chances of eligibility.

Terms and Conditions

  • The Green Home Loan is applicable to Freehold, Leasehold, and Ready-made properties and should have a minimum loan tenor of 10 years.
  • Evaluation fee will be refunded up to maximum of QR 2500/- after the loan is disbursed and for one property only. Any excess costs greater than QR 2500 will be paid from own sources.
  • The property will be assessed based on a scoring system and should achieve at least 30 out of 40 points to avail the Green Mortgage loan.
  • If loan is early settled before completing 10-year tenor, customer shall pay back:
    • QCB + 1% for the 0% interest period. That will be in addition to normal early settlement fee of 1% on the loan outstanding.
    • Refunded Property Evaluation fee.
    • Waived Mortgage fee.
    • Waived Management fee.

Eligibility Criteria*

Eligibility Criteria Qataris Expatriates
Maximum Loan Amount QR 5,000,000 QR 4,000,000
Maximum Loan Tenure 20 years 20 years
Minimum Monthly Income QR 15,000 QR 15,000
Maximum Age 70 years at maturity of the loan 65 years at maturity of the loan
Minimum Salary Credits 1 Salary credit with Doha Bank 3 Salary credits with Doha Bank

Sample Computation

Loan Amount (QR) Tenor (Months) Monthly Instalment (QR)
1,800,000 240 including 12 months grace period 10,859

Above calculations are indicative and subject to change as per the Bank’s policy.

Documents required for Salaried Employees

  • Signed and Completed Application Form.
  • Original Qatari ID Card & Passport with Valid Visa (for Expats).
  • Salary Certificate addressed to Doha Bank.
  • Last 6 months Original Bank Statements (if Salary is being transferred to another Bank).
  • Liability Letter from Other Bank addressed to Doha Bank (if Loan is being transferred from another Bank).
  • Quotation from Developer / or Preliminary Sale Agreement between Seller and Buyer.
  • Copy of Sale Purchase Agreement for Resale cases.

Documents required for Self-Employed

  • Signed and Completed Application Form.
  • Original Qatari ID Card & Passport with Valid Visa (for Expats).
  • Last 6 months Original Personal Bank Statements.
  • Last 12 months Original Business Bank Statements.
  • Liability Letter from Other Bank addressed to Doha Bank (if Loan is being transferred from another Bank).
  • Audited Financial Statements of last 2 years.
  • Copy of Trade License.
  • Copy of Commercial Registration.
  • Rental Contract from Government or Private (if Rental Income is being considered).
  • Copy of Sale Purchase Agreement for Resale cases.
  • Quotation.

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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.