Retail | Loans Close Menu
Housing Loans

Housing Loans

Own your home starting from 9.5% interest rate

Easy approval conditions and competitive interest rates in addition to many privileges


  • Financing up to 100% of the estimated property value
  • Loan tenure up to 30 years including a grace period for new granting loans
  • Grace period up to 6 months in case of purchase and up to 24 months for construction
  • Free credit card issuance fees for the first year only
  • Interest rate starting from 9.5% for salaried customers
  • Loan commission fees are 1% (only for the first year)
  • The ability of finance Self-employed and Expatriates
  • Ability to Buyout loans from other banks

Terms & Conditions:

  • Minimum loan amount is 5,000 JOD
  • Minimum loan tenor is 12 months
  • Minimum income is 250 JOD
  • Maximum DBR is 50% & up to 60% for Social Security retirees
  • Minimum age is 18 years and not to exceed 70 years at the end of the loan tenor
  • Minimum working experience is 3 months
  • Ability to finance Jordanian residents, non-resident Jordanians, Non-Jordanian residents in Jordan (Arab and foreign nationalities)
  • For personal purposes only.
  • Installment deferral fee amount is 10 JOD
  • Loan accounts will be transferred to non – performing loan account when payments of the interest or principal are past due by 90 days or more
  •  Late payment penalty is 10 JOD due after 5 days of the payment maturity date for salaried customers, and after 2 days for self-employed customers
  • Property mortgage 100% of the loan amount.

Required documents

  • Valid national ID or valid passport for non-Jordanians
  • Income verification letter, latest Salary Slip, Bank statement for the last 6 months
  • Social security subscription letter
  • Property organization Scheme, Site plan, construction license, and property registration document, and contract of sale
  • Company registration certificate for entities, valid profession license, practice profession license, and association membership certificate
  • Property appraisal or construction cost

The Bank has the right to request additional documents.

Loans Calculator

*The applicable interest rate on the calculator is the lowest rate within the product segments.

*The interest rate depends on the income amount, source of income, financing ratios, and customer’s classification. 

*The information mentioned above is for illustrative purposes only and shall not be considered final. For more information, please contact our call center (Iskan 24/7) at: +96265200400, or the toll-free number 080022111 or visit your nearest branch.

*For more information regarding the available interest rate and classifications in the Bank, please click here.

How to apply?

  • Fill the Electronic Application
  • Contact our Call Center (Iskan 24/7) at +96265200400, or the toll-free number 080022111
  • Visit the nearest branch


* For more information regarding APR, Click Here

*All applications are subject to Housing Bank terms and conditions.

Own Your Home!

Easy approval conditions and competitive interest rates

Apply Now

FAQs about Housing Loans

Learn more about the interest rates and charges Click Here 

The minimum income required to request a housing loan is 250 JODs for public sector  and 350 JODs for private sector

-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