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 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 
  • What is the Maximum Personal loan amount? What is the Maximum Personal loan amount?

    The Maximum Personal Loan amount is 70,000 JOD.

  • What is the cashback percentage for Iskan Gain Program ? What is the cashback percentage for Iskan Gain Program ?
    The cashback percentage varies from one merchant to another. For more information click Here
  • Is the service is available on all cards for Iskan Gain Program? Is the service is available on all cards for Iskan Gain Program?
    Yes, it is available on HBTF credit and debit cards.
  • How I can benefit from the cashback for Iskan Gain Program? How I can benefit from the cashback for Iskan Gain Program?

    The cashback will be provided while paying through bank card via NI POS or MEPS at the shops participating in the service.

  • How we can benefit from this offer for Iskan Gain? How we can benefit from this offer for Iskan Gain?

    A discount will be provided through presenting and paying through bank card and asking for the discount at the shops participating in the service.

  • Can this offer be merged with another offer from Iskan Gain Program? Can this offer be merged with another offer from Iskan Gain Program?
    No, the discount are not merged and not valid sales and special offers
     
  • Can I transfer money through HBTF to may family even when I am outside Jordan? And what are the conditions for it? Can I transfer money through HBTF to may family even when I am outside Jordan? And what are the conditions for it?

    Yes, you can transfer money to HBTF wherever you are through a wide network of correspondent banks distributed over 60 countries. If you have a Housing Bank account, make sure to mention the beneficiary’s four-part name and specify his/her account number, and branch name.

    In case you do not  have a housing bank account, you can send money through Western Union.

     

  • Who is qualified to open a Basic Account ? Who is qualified to open a Basic Account ?

    Jordanian residents who are legally qualified to deal with banks, and do not have any type of bank account with other banks operating in the Kingdom

  • Do I need the beneficiary’s IBAN when requesting to issue a money transfer from my account to a beneficiary’s account within same bank inside the Kingdom? Do I need the beneficiary’s IBAN when requesting to issue a money transfer from my account to a beneficiary’s account within same bank inside the Kingdom?
    Yes
  • Do I need the beneficiary’s IBAN when requesting to issue a money transfer from my account to a beneficiary’s account with another bank inside the Kingdom? Do I need the beneficiary’s IBAN when requesting to issue a money transfer from my account to a beneficiary’s account with another bank inside the Kingdom?

    Yes,  and otherwise the request will be rejected.

  • 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.

  • When can I utilize the Call Center (Iskan 24/7) service? When can I utilize the Call Center (Iskan 24/7) service?

    The call center (Iskan 24/7) representatives are available to answer your questions 24/7,including official holidays and vacations.

  • Will the bank charge me on the SMS service? Will the bank charge me on the SMS service?

    There are no charges for this service.

  • What is the monthly minimum payment on my credit card’s outstanding balance? What is the monthly minimum payment on my credit card’s outstanding balance?

    The minimum payment due depends on the selected payment instruction by the cardholder with a minimum amount of 25 JOD for standard/classic credit cards, and 50 JOD for platinum/signature/infinite/ credit cards, and the equivalent in US dollars for Infinite $ cards

  • What are the advantages of opening a savings account? What are the advantages of opening a savings account?
    The savings account aims to encourage customers to save their money for their family and their future, with the assurance that their money is in safe hands and that it will grow with the growth of their assets. The savings account also gives them an opportunity to win valuable prizes.
  • Who should open a current account? Who should open a current account?

    The current account is designed to suit the needs of all customers, individuals, merchants, and companies. This account helps our customers to access banking services that shortens the distance between them and the bank wherever they are.

  • 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]

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

    - Unlimited loan limit Tenor of loan up to 30 years

    - Competitive interest rate.

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

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

    - Life insurance coverage.

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

  • How can I open an account with HBTF if I reside outside Jordan? How can I open an account with HBTF if I reside outside Jordan?

    To open an account at HBTF while you reside outside Jordan, you must take the following steps:

    -Order an application form to open an account through Iskan App or call the call center (ISKAN 24/7) at:+96265200400

    -Fill in the application form with the required information

    -Approve your signature through the bank you deal with or through one of our correspondents in the country you reside in

    -Send us the application form with a verification copy of your ID on the following P.O. Box address: The Housing Bank for Trade & Finance P.O. Box 7693 Amman 11118 Jordan

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