NBK Tools

NBK 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

Prayer Timings

  • Fajr

  • Duhr

  • Asr

  • Maghrib

  • Isha

Loan Calculator

Loan Refinancing Calculator

NBK Rewards Points Calculator

Term Deposit Calculator

Currency Convertor


  • Important Notice

    NBK will never ask you for your account number, card number, CVV, OTP/PIN numbers over the phone, Viber, WhatsApp or any other means. Please do not disclose your personal information to anyone. Learn more

Housing Loan


Your dream home does not have to remain a dream. You can take a Housing Loan to finance the purchase, construction or renovation of your house - with convenient financing at a competitive interest rate.

Who can apply?

  • All NBK Customers
  • You should be younger than 70 years at the maturity of your loan
  • Minimum salary should be KD 400

What is it for?

  • NBK's Housing Loan is ideal for financing the purchase, construction or renovation of private residences
  • You can take an installment loan up to KD 70,000 for up to 15 years


Interest rates

  • The current interest rate is fixed at 6% and is calculated on a reducing balance basis
  • You can use the NBK Loan Calculator for an idea of how often and how much your payments will be

What should I know?

  • You can take out a minimum of KD 1,000 and maximum of KD 70,000
  • If your salary is not with NBK, please arrange for your salary to be transferred to NBK
  • You can enjoy the flexibility and convenience of taking a loan from 12 to 180 months
  • For loans exceeding the 5-year repayment period, your interest rate will be reviewed every 5 years, provided that the maximum increase or decrease in interest rate will not exceed 2% of the applicable interest rate, as per Central Bank of Kuwait regulations
  • NBK gives you the option to insure your loan
  • You can settle the loan early at any time without paying any fees or future interest
  • You have the option to postpone your loan installments up to one year


What do I need?

  • A copy of your Civil ID
  • A Kuwait Military ID is required for MOI, MOD and National Guards
  • A salary certificate
  • A salary transfer continuation certificate