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  • Bank Tariff

    Dear Customer, due to the official exchange rate, our tariff list has been updated. Please visit our branches or call +9611759700 for more clarification. Read More

  • BDL Circular #166

    Exceptional procedures for paying deposits made after 31 October 2019 in foreign currencies. Read More

  • Update your Information

    Dear Customer, kindly visit your nearest branch or contact your Service Officer to update your NBK - Lebanon record details to avoid account block and/or late charge fees. For more: (961) 1 759700

  • BDL Basic Circular 158

    Exceptional measures for the gradual withdrawal of deposits in Foreign Currencies. Read More

Housing Loan


NBK Housing Loan is ideal for earners with conservative buying patterns, because it can be customized. Every loan package is tailor-fitted to the needs and current spend capabilities of the customer.


Housing loans facilities to resident Lebanese citizens and expatriates employed in GCC countries, as well as, GCC Nationals of NBK presence countries.

Who is it for?

For Residents and non-resident Lebanese.

What should I know?

  • Minimum age: 21 years
  • Age at maturity: 64 years
  • Property age at maturity: 40 years
  • Maximum Loan To Value (LTV) Ratio:
    • New Purchase: Up to 75% of purchase price or evaluation, whichever is lower
    • Equity release: Up to 75% of evaluation price
    • Chalet: Up to 50% of purchase price or evaluation, whichever is lower
  • Maximum loan Tenor: 20 years
  • Loan Currency: in USD currency
  • Minimum loan amount: USD 75,000
  • Maximum loan amount: USD 1,500,000

Interest Rates

  • 1st year 4.75%
  • 2nd year onward, 1 year Libor+4%; Min 5.5% p.a.

What do I need?

Minimum Salary Income: 

  • Salaried: USD 2,000
  • Self Employed: USD 3,000


Minimum Length of Service:

  • Salaried: 6 months in current employment subject to having minimum 12 months overall continuous employment
  • Self Employed: 36 months 


Employment Contract:

  • Salaried: loans to employees with open-ended contracts only


Audited Financials:

  • All self-employed/ professionals to submit their audited financials for the last three (3) years



  • Life and total permanent disability insurance covering 105% of loan amount in favour of the Bank.
  • Fire and Natural Disaster Insurance assigned in favour of the Bank.



  • First Degree Mortgage for minimum of 120% of loan amount in favour of the Bank.


  1. Are there any processing fees?

    Yes, the processing fee is 0.75%.

  2. Does my salary have to be transferred to NBK Lebanon?

    Yes, for Lebanon-based customers, salary should be transferred. May be considered on a case-by-case basis.

  3. Can I settle the loan early?

    Yes. Early settlement is allowed, subject to conditions.