FAQ

​​​​​​​​​​​​​​​​ The Housing Bank For Trade & Finance responds to whatever queries you have in regards to any of our services. Your questions and answers will be found in this Frequently Asked Questions (FAQs) section. We have classified questions with their ideal answers in different categories based on subject relevance to facilitate the search process.

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  • What documents are required to get a personal loan? What documents are required to get a personal loan?

    - Valid national ID or valid passport for non-Jordanians

    - Latest Salary Slip

    - Social security subscription letter

    - Income verification letter

    - Bank statement for the last 6 months

    - Company registration certificate for entities, valid profession license, practice profession license, and association membership certificate

     
  • How long is the Auto loan tenor repayment period? How long is the Auto loan tenor repayment period?
    Loan tenor up to 8 years
  • Can I get an auto loan with minimal documents? Can I get an auto loan with minimal documents?

    Get financing up to 80% of the car’s value with a minimal documentation financing program:

    - Valid Smart ID card

    - For foreign residents in Jordan (non-Jordanians): valid proof of identity (passport) and a valid residence permit

    - Clear proof of the borrower’s address

    - Completion of a written income declaration, including disclosure of any other financial obligations beyond the bank’s standard inquiries. These must be clearly stated in the declaration, ensuring the debt burden complies with applicable regulations

    - Salary certificate for the most recent month for clients with both transferred and non-transferred salaries. For clients with registered freelance income, professionals, artisans, and companies registered outside Jordan (both Jordanian and non-Jordanian clients), a bank statement for the last six months is required, in accordance with the product definition. This also applies to non-transferred salaries and rental income

    - Signature authentication of authorized signatories from other banks (A, B) on the account statement must be conducted by the bank. Exemption from this requirement is only granted if a QR code is provided on the statement

     
  • What is the maximum Personal Loan amount? What is the maximum Personal Loan amount?

    The Maximum Personal Loan amount is 70,000 JOD.

  • Why is the Small Business loan from Housing Bank your ideal solution? Why is the Small Business loan from Housing Bank your ideal solution?

    We have a dedicated center for small enterprises that provides the needed support to our clients to obtain the suitable financing that meets their expectations with competitive interest rates and  flexible loan tenor.

  • What is the minimum Personal Loan amount? What is the minimum Personal Loan amount?

    The minimum personal loan amount is 3,000 JODs.

  • What is the maximum amount of Auto Loans financing I can get? What is the maximum amount of Auto Loans financing I can get?

    Financing can reach 150,000 JOD.

  • What is the period available for installment through the Personal and household purchases installment program? What is the period available for installment through the Personal and household purchases installment program?

    Loan tenure up to 5 years (including grace period), Grace period up to 2 months.

  • What is the minimum income to get the Auto loan? What is the minimum income to get the Auto loan?

    The minimum income required to get an auto loan is 350 JOD 

  • Why is our personal loan program your perfect solution? Why is our personal loan program your perfect solution?

    -Tenor of loan up to 8 years including a grace period

    -Grace period up to 6 months

    -Competitive interest rate

    -Pre-approved credit card with free issuing fees for the first year

    -Life insurance coverage

  • How long is the personal tenor repayment period? How long is the personal tenor repayment period?

    Loan tenor up to 8 years

  • What is a housing loan for? What is a housing loan for?

    -Financing the purchase of residential apartments and houses

    -Finishing a house under construction or erecting a new one

    -Buying a piece of land and developing it for construction

    -Expanding an existing building

  • What is the Minimum income to request Housing Loan? What is the Minimum income to request Housing Loan?

    The minimum income required to request a housing loan is 350 JODs

  • Why is the “Housing Loan” from Housing Bank your perfect solution? Why is the “Housing Loan” from Housing Bank your perfect solution?

    - Grace period up to 6 months in case of purchases and up to 24 months for construction.

    - Competitive interest rate.

    - Pre-approved credit card with free subscription fees for the first year.

    - Life insurance coverage.

    - Various financing purposes (purchasing a personal residence, building a personal residence, expanding an existing building, purchasing land to build a personal residence).

    - Financing up to 100% of the real-estate estimated value.

    - Unlimited loan limit Tenor of loan up to 30 years

    - The ability to finance expatriates.

  • What documents should I bring to get a housing loan? What documents should I bring to get a housing loan?

    Salary certificate or proof of income Presale or initial sale contract [Applicable in case of buying] / Property Registration Document [Property Deed] / Landscape blueprint [Land Map issued by Land Registration department] / Site location blueprint Real-Estate / License Proof of identity [I.D]

  • What is the interest rate on a housing loan? What is the interest rate on a housing loan?
    Learn more about the interest rates and charges Click Here 

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