| Bank |
Loan Amount |
Interest LL |
Down Payment |
Interest USD |
Repayment Period |
Arab Bank
Home Improvement loan |
$200,000 (not exceeding 50% of the house value) |
N/AP |
Not required |
Beirut Reference Rate + 0.75% (minimum 5.75%) |
12 years |
Arab Bank
Housing loan |
$1,000,000; Under construction: $500,000 |
N/AP |
Residents: 25%; Expatriates: 30%; Under construction: 30% |
Ready house: Beirut Reference Rate (minimum 5.75%)
Self construction & under construction house: Beirut Reference Rate + 0.75% (minimum 5.75%)
Expatriates: Beirut Reference Rate + 0.5% (minimum 5.75%) |
Residents: 25 years; Expatriates: 20 years |
Bank Audi
Expatriate Housing loan |
Unlimited |
N/AP |
25% |
Cost of fund + 3.5% (no minimum) |
20 years |
Bank Audi
Housing Loans |
Unlimited |
N/AP |
25% |
3.99% for the first year, then Cost of fund + 3.5% |
25 years |
Bank Audi
Subsidized home loan |
LL800,000,000 |
40% of 1-year Treasury Bills + 3.3% (BDL 313) |
25% |
N/AP |
30 years |
Bank of Beirut
B home |
$1,000,000 |
6.75% for first year, then 3-year Treasury Bills + 0.75% (minimum 7.5%) for the remaining loan period |
25% |
4.5% for the first year, then Beirut Reference Rate + 1.5% (minimum 6.5%) for the remaining loan period |
30 years |
Bank of Beirut
Expatriate housing loan |
$500,000 |
N/AP |
30% (except for Dubai residents 50%) |
4.5% for the first year, then Beirut Reference Rate + 1.5% (minimum 6.5%) for the remaining loan period |
30 years |
BankMed
House Loan |
Unlimited |
N/AP |
Residents: 25%; Expatriates: 30% |
Beirut Reference Rate + 2.5% (minimum 7.5%) |
25 years |
BankMed
Subsidized housing loans |
LL800,000,000 |
40% of 1-year Treasury Bills + 3.3% |
Residents: 25%; Expatriates: 40% |
N/AP |
20 years |
Banque Libano-Française
Prêt Logement |
Unlimited |
N/AP |
Residents: 25%; Expatriates: 30% |
Cost of fund + 3.5% (minimum 6.5%) |
20 years (for renovation or construction up to 15 years) |
Banque Libano-Française
Renovation Housing loan |
Unlimited (not exceeding 50% of the house value) |
N/AP |
Not required (optional) |
Cost of fund + 5% currently 8.39% |
10 years |
Banque Libano-Française
Subsidized housing loans |
$530,000 or LL800,000,000 |
40% of 1-year Treasury Bills + 3.3% |
Residents: 25%; Expatriates: 30% |
Cost of fund + 2% (no minimum) |
20 years(including grace period) |
BBAC
BBAC expatriate housing loan |
Unlimited |
N/AP |
Ready house: 30%; Under construction or renovation: 40% |
5.5% for the first two years, then 1-year LIBOR + 4.5% (minimum 6.5%) or Euribor + 4.5% for the remaining loan period |
15 years (Up to 20 years on a case by case basis) |
BBAC
BBAC housing loan |
Unlimited |
N/AP |
Ready house: 25%; Under construction: 30% |
4.5% for the first two years (5.5% for construction and renovation), then 1-year LIBOR + 4% (minimum 6.5%) for the remaining loan period |
30 years |
BBAC
Subsidized housing loans |
LL800,000,000 |
40% of 1-year Treasury Bills + 3.3% (BDL 313)
40% of 1-year Treasury Bills + 3% (BDL 185) |
Residents: 25%; Expatriates: 30% |
N/AP |
30 years(including grace period) |
BLC Bank
Maskan Deluxe |
Unlimited |
N/AP |
Residents: 25%; Expatriates: 30% |
4% for the first year, then Beirut Reference Rate + 1.5% (minimum 6.5%) for the remaining loan period |
30 years(including grace period of up to 6 months) |
BLC Bank
Subsidized housing loans |
LL800,000,000 |
40% of 1-year Treasury Bills + 3.33% |
25% |
N/AP |
30 years (including grace period) |
BLOM Bank
Darati |
Unlimited |
N/AP |
25% |
Cost of fund + 3.5% (no minimum) |
25 years (ability to add 5 years for closing 30% of the loan) |
BSL Bank
Housing Loan USD |
Unlimited |
N/AP |
25% |
Beirut Reference Rate + 1% (minimum 6%) |
20 years |
BSL Bank
Renovation Loan |
Unlimited |
N/AP |
40% |
Beirut Reference Rate + 1% (minimum 6%) |
7 years |
BSL Bank
Subsidized housing loans |
LL800,000,000 |
40% of 1-year Treasury Bills + 3% |
25% |
N/AP |
30 years |
Byblos Bank
Beyti |
$200,000 (higher amounts are studied on a case-by-case basis) |
N/AP |
Ready house: 30% depending on the location; rented house: 40%; building a house (land and construction): 50%; renovation: no down payment |
Cost of fund + 2% (minimum 5.68%) |
30 years |
Byblos Bank
Expatriate housing loans |
Unlimited |
N/AP |
25% |
Cost of fund + 2% (no minimum) |
30 years |
Byblos Bank
Subsidized housing loans |
LL800,000,000 |
40% of 1-year Treasury Bills + 3% |
30% |
N/AP |
30 years |
Credit Libanais
Beirut Bar Association Housing Loan |
LL800,000,000 |
2.99% (40% of 1-year Treasury Bills + 0.85%) for the first 2 years, then 4.8% (40% of 1-year Treasury Bills + 2.66%) for the remaining years |
25% |
N/AP |
30 years |
Credit Libanais
Home Loan |
Unlimited |
N/AP |
20% |
3.9% for the first year, then Beirut Reference Rate + 1.75% (minimum 6.85%) for the remaining loan period |
30 years |
Credit Libanais
Subsidized housing loans |
LL800,000,000 |
40% of 1-year Treasury Bills + 3.3% |
25% |
N/AP |
30 years |
CreditBank
CB Home |
Unlimited |
N/AP |
25% |
5.99% for the first year, then 1-year LIBOR + 3.75% (minimum 7.5%) |
30 years |
Emirates Lebanon Bank
EL Home |
$500,000 |
12% for first year, then 1-year Treasury Bills + 6% (minimum 12%) |
30% |
6.5% for the first year, then 1-year LIBOR + 3.5% (minimum 6.5%) for the remaining loan period |
15 years |
First National Bank
Housing Loan |
$500,000 |
N/AP |
25% |
Beirut Reference Rate + 1.75% (minimum 7.5%) |
25 years |
First National Bank
Subsidized housing loans |
LL800,000,000 |
40% of 1-year Treasury Bills + 3.3% |
Residents: 25%; Expatriates: 50% |
N/AP |
30 years |
Fransabank
Expatriate housing loans |
Unlimited |
N/AP |
30% |
4.99% for the first year, then LIBOR + 3.5% (minimum 7.5%) |
15 years |
Fransabank
Housing loan |
Unlimited |
N/AP |
25% |
4.99% for the first year, then 1-year LIBOR + 3.5% (minimum 6.75%) |
30 years |
Fransabank
Housing loans introduced by the Central Bank |
LL800,000,000 |
40% of 1-year Treasury Bills + 3.3% (BDL 313)
40% of 1-year Treasury Bills + 3% (BDL 185) |
Residents: 25%; Expatriates: 30% |
N/AP |
Residents: 30 years; Expatriates: 15 years |
HSBC
Home Loans |
$1,250,000 |
N/AP |
Inside Beirut: Premier accountholder 15%; Advance accountholder 20%
Outside Beirut: Premier accountholder 20%; Advance accountholder 25% |
Premier accountholder: 1 year LIBOR + 4%
Advance accountholder: 1 year LIBOR + 4.5%
Personal banking accountholder: 1 year LIBOR + 4.5% |
25 years |
National Bank of Kuwait
Watani Loans |
$1,500,000 |
N/AP |
25% |
4.75% for the first year, then 1-year LIBOR + 4% (minimum 5.5%) for the remaining loan period |
20 years |
SGBL
Sogehome |
Unlimited |
N/AP |
Residents: 25%; Under construction: 40% |
4.5% for the first two years, then 1-year LIBOR + 4.5% (minimum 7%) |
30 years |
SGBL
Sogehome Expatriates |
Unlimited |
N/AP |
40% |
4.5% for the first two years, then 1-year LIBOR + 4.5% (minimum 7%) |
15 years |
SGBL
Subsidized housing loans |
LL800,000,000 |
40% of 1-year Treasury Bills + 3.3% |
Residents: 25%; Expatriates: 40% (40% for under construction) |
N/AP |
30 years (up to 15 years for Sogehome & Co) |
| Last updated on: 12 Oct 2015 |