This program provides concessional financing, technical support, and training in line with the Royal vision to fight unemployment amongst young people by promoting self-employment rather than employment approach and enabling them to establish development projects that provide them with an income source and provide job opportunities, and that according to the criteria and steps to join within the program to provide integrated technical and financial services.
(4.5%) without commission
Up to (250,000) JODs.
Up to (100%) of the project value.
Repayment period up to (7) years, including grace period up to (12) months as a maximum.
Promissory Note payable endorsed to the favor of CBJ which the loan requested represents 85% of the promissory note, in addition to any other extra guarantees from the customer in the light of assessing the client's creditworthiness.
All sectors, productive, service, and technical development activities that generate income and provide job opportunities from small and medium enterprises, and the program does not include consumer and personal loans.
Note: The Bank has the right to request additional documents.
To apply for the National Self-Employment Program (INHAD), please visit:
All applications are subject to Housing Bank terms and conditions.