NBK Tools

NBK Tools Close tools

Al Jawhara Calculator

The minimum deposit is KD 50 and maximum deposit is KD 500,000.

In case of no withdrawal within the holding period, extra chances will apply.

NBK Miles Points Calculator

Loan Calculator

Loan Refinancing Calculator

Term Deposit Calculator

Currency Convertor

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    Dear Customers, A system maintenance will take place on Sunday, 3 August 2025 between 5 AM & 6:30 AM. You may experience some difficulties when using WAMD Service. If you face any difficulty using our electronic channels, please contact us via NBK WhatsApp on 1801801 or on our NBK Social Media channels. Thank you for your cooperation.

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Housing Loan

Build Your Dream Home
With Housing Loan


Now you can take a Housing Loan to purchase, construct or renovate your house with reliable financing from NBK.

Up to KD 70,000

Up to KD 70,000

You can get a Housing Loan up to KD 70,000.

Flexible Repayment

Flexible Repayment

Up to 15 years.

Grace Period

Grace Period

Up to 1 year.

Insurance

Insurance

Get peace of mind with Loan Insurance from NBK to insure your loan.

Up to KD 70,000

Up to KD 70,000

You can get a Housing Loan up to KD 70,000.

Flexible Repayment

Flexible Repayment

Up to 15 years.

Grace Period

Grace Period

Up to 1 year.

Insurance

Insurance

Get peace of mind with Loan Insurance from NBK to insure your loan.

Build Your Home

Expand Your Home

Expand Your Home

Renovate, expand and redecorate your home.

Home Repairs

Home Repairs

Cover essential home repairs to maintain the value and comfort of your property.

Eco-Friendly Home

Eco-Friendly Home

Build your eco-friendly house with eco-friendly material with the support of Sustainable Financing from NBK.

Second Home

Second Home

Invest in a second property or vacation home with flexible financing options.

First Time Buyer

First Time Buyer

Get reliable financing to assist you in purchasing your first home.

Calculate Your
Housing Loan Instantly

A Loan Calculator refers to a calculator that can help you estimate the monthly payments required to pay back the certain type of loan you have taken. In addition, you also get to see how much you can afford to borrow from a bank based on your income and other factors.

Calculate Now

Housing Loan Eligibility

Comparison Kuwaiti Expat
Age Younger than 70 years of age at loan maturity Younger than 65 years of age at loan maturity 
Salary Starting from KD 400
(Terms and conditions apply)
Starting from KD 400
(Terms and conditions apply)
Salary with NBK Not necessary Not necessary

Go Green, Save More

Choose
Eco-friendly Housing Loan

With Sustainable Financing from NBK, you can now build your own eco-friendly home and create a more energy-efficient surrounding.

Loan Services

Buyouts

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Loan Buyout and Switcher

Transfer your loan to NBK and benefit from renowned services.

- NBK can buy out your loan from other banks, making you a loan customer at NBK
- To switch, you can close your loan at your own pace and become part of NBK as a loan customer
- Benefit from exclusive offers tailored for buyout and switcher customers from NBK

To benefit from the above services:
- Minimum 30% of existing loan installments with other banks has to be paid
- No past dues on existing loans
- New loan must be of the same type (e.g. consumer to consumer, housing to housing)

Terms and conditions apply on all of the above

Refinancing

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Loan Refinancing

Would you be happier and more at ease if you had taken out more money? With Loan Refinancing*, borrow an additional amount of money from which the old loan can be settled.

To be eligible to access loan refinancing:
- Loan holder must repay no less than 30% of the total number of installments set for their consumer or installment loan on their due dates
- Loan holder must not have any overdue payments at the time of application
- New loan must be the same type as the original loan

Against Cash Collateral

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Loan Against Cash Collateral

Get funds easily and processed quickly with the option of getting a loan against your NBK Term Deposit. The loan may also be obtained against cash collateral with flexible payments to be made either monthly or at term maturity.

- You can get a loan against your NBK Term Deposit or any cash collateral in your account
- The minimum loan amount is KD 5,000
- The maximum loan amount is up to 100% of the NBK Term Deposit or cash collateral amount
- The loan term can be from 1 year to 15 years subject to the maturity of the deposit

FAQs

To apply for a Housing Loan, you need a valid salary certificate, valid Civil ID or digital ID on Kuwait Mobile ID and a bank statement of the last 3 months for non-NBK Customers.

Yes, NBK offers the option of insuring your loan by sharing half of the cost of insurance while you pay the other half. The Loan Insurance plan ensures your loan so that in the event of death, the loan outstanding is settled by the insurance company. Please note that disability of any kind is not covered under this insurance plan. You can apply for Loan Insurance at the time of your loan application only.

NBK strives to make taking a loan as convenient as possible. You can close your NBK Loan anytime, at any NBK Branch in Kuwait. NBK will not charge you fees for early settlement. Please note that all you need to pay is the outstanding balance of your loan. NBK does not recover any future interest unlike other banks (Islamic).

You can make a partial settlement of your loan at any time at any NBK Branch without incurring fees or charges. NBK will not change your installment amount, so that your loan will finish earlier than the contract. You can make a partial payment of minimum KD 100 subject to a payment that won’t exceed 80% of your loan outstanding balance.

For a Housing Loan that is more than 5 years, the monthly installment will change every 5 years within the loan maturity. For example, your installment will change twice during a 15-year period when the interest rate changes.

Depending on the CBK rate after 5 years, your installment amount may increase or decrease. However, NBK guarantees that it will not change the number of installments. The loan term will remain the same as per your loan contract.