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Housing Loans in Lebanon with FNB

E-banking

Housing Loan

Are you looking to own your own house?
FNB is offering you a chance to realize your dreams by moving to your own home.


  • Iskan Housing Loan
    FNB, in collaboration with the Public Corporation for Housing (PCH), is offering you a chance to realize your dreams by moving to your own home.

    Loan terms:
    • Down Payment: 10% of the primary residence value
    • Maximum Loan Amount: LBP 270,000,000
    • Repayment Period: 10 to 30 years
    • Maximum House Surface: 210sq.m
    • Minimum Monthly Income: LBP 1,600,000
    • Maximum Family Monthly Income: LBP 6,750,000
    • Minimum income for self-employed: LBP 2,500,000
    • Interest Rate: مؤشر معدل فوائد التوظيفات لدى مصرف لبنان ناقص  %4.72 (currently 3.78%) (under BDL 485)
    • APR (Annual Percentage Rate): 4.56% (for a loan amount of LBP 270,000,000 over a period of 30 years). This APR includes life insurance, file fees, and expert fees
    • File Fees: LBP 750,000
    • Expert Fees: LBP 225,000
    • Commission: US$ 250
    • Provision: 10% to PCH of the loan amount
    • Guarantees: real estate mortgage of the apartment + any additional guarantees
    • If the payments are settled timely during the first year, FNB will offer a free credit card (subject to bank approval)
    • The 5 insurance companies we deal with are:
      • UCA
      • Fidelity
      • Libano-Suisse
      • Allianz SNA
      • UFA

    • ​Eligibility Criteria: ​
      • Be a Lebanese National citizen
      • Aged between 21 and 70 years old at loan maturity
      • ​Have a minimum salary of LBP 2,250,000 if self-employed
      • Have a minimum experience of two years in the same field

    • Special Conditions: ​
      • Maximum apartment price can be US$ 340,000
      • The client is excluded from registration and mortgage expenses(except for prepayment)
      • ​The client or family members should not own a house within 25 km from their workplace
      ​
  • BDL 485 Housing Loan
    FNB, in collaboration with the Central Bank of Lebanon, is offering you the opportunity to get the house of your dreams.

    Loan terms:
    • Purpose of the Loan: buying finished or rented house
    • Currency: LBP
    • Down Payment: 25 % of the house value for resident and 60% for non-resident
    • Maximum Loan Amount: LBP 1,2​00,000,000
    • Loan Period: 7 to 30 years including up to 4 years of grace
    • Interest Rate: 3.75% مؤشر معدل فوائد التوظيفات لدى مصرف لبنان ناقص (Currently 4.75%) (under BDL 485)
    • APR (Annual Percentage Rate): 5.10% (for a loan amount of LBP 300,000,000  over 25 years). This APR includes life insurance, file fees, and expert fees
    • Grace Period: up to 24 months
    • File Fees: LBP 300,000​
    • Expert Fees: LBP 300,000
    • Guarantees: real estate mortgage of the apartment + any additional guarantees
    • ​The 5 insurance companies we deal with are:
      • UCA
      • Fidelity
      • Libano-Suisse
      • Allianz SNA
      • UFA

    • ​Eligibility Criteria: ​
      • Be a Lebanese National citizen
      • Aged between 21 and 64 years old at loan maturity
      • ​Have a minimum salary of LBP 4,125,000 if self-employed
      • Have a minimum salary of LBP 3,000,000 if employee
      • A minimum salary of LBP 5,250,000 for non-residents
      • Have a minimum experience of two years in the same field

    • Special Conditions: ​
      • Requires the approval of the Central bank
      • Not allowed to sell the plot or fully repay the loan for the first 7 years
      • Apartment subject of the loan must serve as the main residence
      • Acceptance of temporary debit interest rate of 8.50%(till an approval receipt from the Central bank)​
  • FNB Housing Loan
    Loan terms:
    • Purpose of the Loan: buying finished or rented house
    • Currency: USD
    • Down P​ayment: 25 % of the house value
    • Maximum Loan Amount: US$ 500,000 - amounts above US$ 500,000 are reviewed on case by case basis
    • Loan Period: 25 years
    • Interest Rate: BRR 1Year + 1.75% (Minimum 8%)
    • APR (Annual Percentage Rate): 10.67%
    • File Fees: between US$ 250 and US$ 500
    • Expert Fees: US$ 200
    • Guarantees: real estate mortgage of the apartment + any additional guarantees
    • ​The 5 insurance companies we deal with are:
      • UCA
      • Fidelity
      • Libano-Suisse
      • Allianz SNA
      • UFA

    • ​Eligibility Criteria: ​
      • Be a Lebanese National citizen
      • Aged between 21 and 64 years old at loan maturity
      • ​Have a minimum salary of US$ 1,500 if self-employed
      • Have a minimum salary of US$ 1,200 if employee
      • Have a minimum experience of one year in the same field

    • Special Conditions: ​
      • Requires the approval of the Central bank
      • Not allowed to sell the plot or fully repay the loan for the first 7 years
      • Apartment subject of the loan must serve as the main residence
      • Acceptance of temporary debit interest rate of 8.25%(till an approval receipt from the Central bank)​
  • ISF Housing Loan
    Loan terms: (conditions of the loan fall within the signed protocol)
    • Purpose of the Loan: buying finished or rented house
    • Currency: LBP
    • Down Payment: 0%
    • Financing: up to 100% of expert’s appraisal
    • Maximum Loan Amount: LBP 750,000,000
    • Loan Period: 25 years
    • Interest Rate: 5.872% مؤشر مدل فوائد التوظيفات لدى مصرف لبنان ناقص (currently 2.628%) (under BDL 485) 
    • APR (Annual Percentage Rate): 3.22% (for a loan amount of LBP 250,000,000 over a period of 25 years) 
    • File Fees: US$ 0
    • Expert Fees: LBP 250,000
    • The 3 insurance companies we deal with are:
      • UCA
      • Fidelity
      • UFA
      ​
    • Guarantees:
      • Salary domiciliation
      • Real estate mortgage
      • Life insurance
      • Property insurance

    • ​Eligibility Criteria:
      • Be a Lebanese National citizen
      • Aged between 21 and 70 years old at loan maturity
      • Authenticated salary certificate from the judges cooperation funds
      • Membership ID at the judges cooperation funds
  • Army Housing Loan
    Loan terms: (conditions of the loan fall within the signed protocol)
    • Purpose of the Loan: buying finished or rented house
    • Currency: LBP​
    • Down Payment: 0%
    • ​Financing: up to 100% of expert’s appraisal
    • Maximum Loan Amount: LBP 400,000,000
    • Loan Period: 25 years
    • Interest Rate: 5.872% مؤشر مدل فوائد التوظيفات لدى مصرف لبنان ناقص (currently 2.628%) (under BDL 485)
    • APR (Annual Percentage Rate): 3.22% (for a loan amount of LBP 250,000,000 over a period of 25 years)
    • File Fees: US$ 0
    • Expert Fees: LBP 250,000
    • The insurance company we deal with is:
      • ​North Assurance

    • Guarantees:
      • Salary domiciliation
      • Real estate mortgage
      • Life insurance
      • Property insurance

    • ​Eligibility Criteria:
      • Be a Lebanese National citizen
      • Aged between 21 and 70 years old at loan maturity
      • Authenticated salary certificate from the judges cooperation funds
      • Membership ID at the judges cooperation funds
  • Judges Housing Loan
    Loan terms:
    • Purpose of the Loan: buying finished or rented house
    • Currency: LBP
    • Down Payment: 0 %
    • Financing: up to 100% of expert’s appraisal
    • Maximum Loan Amount: LBP 750,000,000
    • Monthly Payment: maximum 33% of total salary
    • Loan Period: 25 years
    • Interest Rate: 5.872% مؤشر مدل فوائد التوظيفات لدى مصرف لبنان ناقص (currently 2.628%) (under BDL 485)
    • Interest Resched: every one year
    • APR (Annual Percentage Rate): 3.22% (for a loan amount of LBP 250,000,000 and over a period of 25 years)
    • File Fees: US$ 0 
    • Expert Fees: LBP 250,000

    • Guarantees:
      • Salary domiciliation
      • Real estate mortgage
      • Life insurance
      • Property insurance

    • ​Eligibility Criteria:
      • Be a Lebanese National citizen
      • Aged between 21 and 70 years old at loan maturity
      • Authenticated salary certificate from the judges cooperation funds
      • Membership ID at the judges cooperation funds
      • Salary domiciliation is obligatory
      ​
  • GSF & General Customs Housing Lo​an
    Loan terms:
    • Purpose of the Loan: buying finished or rented house
    • Currency: LBP
    • Down Payment: 0%
    • ​Maximum Loan Amount: LBP 750,000,000
    • Financing: up to 100% of expert's appraisal
    • Monthly Payment: maximum 33% of total salary
    • Loan Period: 25 years
    • Interest Rate: 5.872% مؤشر مدل فوائد التوظيفات لدى مصرف لبنان ناقص (currently 2.628%) (under BDL 485)
    • Interest Resched: every two years
    • ​APR (Annual Percentage Rate): 3.22% (for a loan amount of LBP 250,000,000 and over a period of 25 years)
    • File Fees: US$ 0 
    • Expert Fees: LBP 250,000

    • Guarantees:
      • Salary domiciliation
      • Real estate mortgage
      • Life insurance
      • Property insurance

    • ​Eligibility Criteria​:
      • Be a Lebanese National citizen
      • Aged between 21 and 70 years old at loan maturity
      • Authenticated salary certificate from the judges cooperation funds
      • Membership ID at the judges cooperation funds
  • Required Documents
    • Copy of ID or recent Civil Register
    • Proof of residence (mayor certificate, electricity,or landline telephone bill)
    • Proof of NSSF enrollment or syndicate card when applied

    For employees:
    • Authenticated proof of income

      • For Self-Employed:
      • ​Company's legal documents
      • Bank statement of account for at least six months
      • Balance sheet for the last 2 years
      • Copies of title deed(s)
      • Real estate certificates for entire plot, apartment, and shared spaces
      • Sale contract
      • Proof of down payments
      • Seller's ID
      • Zoning and Planning map
      • Habitation permit
      • Building rules and regulations
      • ​Recent family status certificate in case of housing loans​
      • Same documents for guarantor if any
      ​
    • ​ ​

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