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NBK Al Manzel Program

All Your Home Needs In
One Program


Build, renovate, expand or upgrade your home with ease through our NBK Al Manzel Program that is designed to help you enhance your living space.

Choose NBK Al Manzel Program

Finance your home renovations, extensions or upgrades with ease.

Loan up to KD 95,000

Loan up to KD 95,000

Get up to KD 95,000 Personal Loans designed to meet your home’s construction and furnishing needs.

Redesign Your Home

Redesign Your Home

Renovate, expand and redecorate your home.

Renovate Your Home Interiors

Renovate Your Home Interiors

Transform your home interiors with fresh and stylish upgrades.

Buy New Furniture

Buy New Furniture

Give your home a fresh new look with the latest furniture arrivals and trends.

Make Your Home Cozy

Make Your Home Cozy

Make your home cozy with warm designs, soft textures and inviting details that create the perfect atmosphere.

Transform Your Garden

Transform Your Garden

Create the garden of your dreams with professional designs, quality plants and throughtful finishing details.

Upgrade Your Home

Upgrade Your Home

Upgrade your home with modern designs and smart enhancements what bring more comfort, style and value to every room.

Up to KD 95,000

Personal Loans designed to meet your home’s construction and furnishing needs.

Up to KD 70,000

You will get:

- Loan of up to KD 70,000 for a long-term period
- Enjoy up to 12 months grace period
- Enjoy flexible repayment for up to 15 years
- Take advantage of strategic partnerships with leading local brands

Loan up to KD 25,000

You will get:

- Loan of up to KD 25,000 for a short-term period
- Enjoy up to 3 months grace period
- Enjoy flexible repayment for up to 5 years
- Benefit from strategic partnerships with leading local brands

Great Deals
Designed for You

Special deals are available for you at the following stores.

Abyat

10% cashback when shopping at ABYAT.

ACICO Group

Up to KD 2,500 cashback on construction contracts depending on contract value or 0% interest-free loan up to KD 25,000 for up to 3 years.

Home Center

Up to 20% discount on all products subject to a minimum bill value of KD 800.

Alghanim Engineering

Any purchase of Midea Central Air Conditioning (CAC) Dx will include an extensive comprehensive warranty of 10 years.

IKEA

Up to 25% discount on IKEA kitchen and appliances, bathrooms and furniture items, and up to 15% discount on all other IKEA products.

Al-Yousifi Enterprise Solutions

Coupons of up to 12% discount on the purchase value of items and services that include MEP, HVAC, Duct, maintenance, elevators, lighting, metals, technology, smart home and solar panels.

Safat HOME

With every KD 1,000 spent, receive a KD 200 voucher to redeem on your next purchase.

Best Al-Yousifi Electronics

Coupon of up to 12% discount on the purchase value, VIP package, priority desk at a single station and up to 12% discount on maintenance services.

Sedar

25% off all products (Excluding Swarovski, Somfy and Wallpapers).

Villa Zone

30% off all products with a free 2D design consultation.

Alshaya Enterprises

Free consultation, site measurements, design, delivery, installation on kitchens, bathrooms and furniture with free 1-year extended warranty.

The Bed Shop

20% off beds and mattresses and 10% off accessories.

Hadi Home

40% discount on interior designing and free consultation.

Alwazzan United Trading Company

20% off kitchen cabinets, doors, clothing units and laundry rooms.

OPPEIN

25% off all products* except electronics.
*Includes customizing kitchens, bathrooms, wardrobes and doors.

Al Kulaib Kitchens

10% to 15% discount available.

Villeroy & Boch

30% off all products.

CREO Kitchens

40% off all products.

Abyat

10% cashback when shopping at ABYAT.

ACICO Group

Up to KD 2,500 cashback on construction contracts depending on contract value or 0% interest-free loan up to KD 25,000 for up to 3 years.

Home Center

Up to 20% discount on all products subject to a minimum bill value of KD 800.

Alghanim Engineering

Any purchase of Midea Central Air Conditioning (CAC) Dx will include an extensive comprehensive warranty of 10 years.

IKEA

Up to 25% discount on IKEA kitchen and appliances, bathrooms and furniture items, and up to 15% discount on all other IKEA products.

Al-Yousifi Enterprise Solutions

Coupons of up to 12% discount on the purchase value of items and services that include MEP, HVAC, Duct, maintenance, elevators, lighting, metals, technology, smart home and solar panels.

Safat HOME

With every KD 1,000 spent, receive a KD 200 voucher to redeem on your next purchase.

Best Al-Yousifi Electronics

Coupon of up to 12% discount on the purchase value, VIP package, priority desk at a single station and up to 12% discount on maintenance services.

Sedar

25% off all products (Excluding Swarovski, Somfy and Wallpapers).

Villa Zone

30% off all products with a free 2D design consultation.

Alshaya Enterprises

Free consultation, site measurements, design, delivery, installation on kitchens, bathrooms and furniture with free 1-year extended warranty.

The Bed Shop

20% off beds and mattresses and 10% off accessories.

Hadi Home

40% discount on interior designing and free consultation.

Alwazzan United Trading Company

20% off kitchen cabinets, doors, clothing units and laundry rooms.

OPPEIN

25% off all products* except electronics.
*Includes customizing kitchens, bathrooms, wardrobes and doors.

Al Kulaib Kitchens

10% to 15% discount available.

Villeroy & Boch

30% off all products.

CREO Kitchens

40% off all products.

Home Development Loan Eligibility

Criteria Details
Age Age at loan maturity must not exceed 70 years*
Salary Starting from KD 400*
Salary with NBK Not necessary

*Terms and Conditions apply

FAQs

To benefit from the NBK Al Manzel Program, you need a valid salary certificate, a 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 loan from NBK 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.