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Personal Loans

Get a personal loan to meet your personal needs.

The personal loan from the Housing Bank allows you to meet your personal needs of all kinds at competitive interest rates with a set of privileges

Apply Now

Privileges

  • Financing up to 70,000 JOD
  • Loan tenure up to 8 years
  • Grace period up to 6 months
  • Competitive interest rate
  • Free credit card issuance fees for the first year only
  • Loan commission fees 1% (only for the first year
  • Buy out loans from other banks for applicants with a monthly salary over 500 JOD

Required documents

  • 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

* The Bank has the right to request additional documents.

Terms and Conditions

  • Minimum loan amount is 3,000 JOD
  • Minimum loan tenor is 12 months
  • Minimum income is 450 JOD 
  • Maximum DBR is 50% and up to 60% for Social Security Retirees
  • Minimum age is 18 years and not to exceed 75 years at the end of the loan tenor
  • Minimum working experience is 4 months
  • Ability to finance Jordanians and non-Jordanians resident in Jordan
  • Only personal needs are allowed under this loan
  • Installment deferral fee to be added
  • 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
  • Joint housing loans should be granted to borrowers who are related to each other to the first-degree (first-degree relatives).
  • The customer’s obligations (liabilities) should exist with only one branch.
  • A mortgage of up to 75% of the property’s approved value shall be registered when granting personal loans with a purpose of real estate.
  • No debt burden ratio (DBR) criteria are applied to loans granted against cash collateral.

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.

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*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.

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Loans Against Cash Collateral

Obtain financing while keeping your savings invested

Learn More

FAQs about Personal Loans

The minimum personal loan amount is 3,000 JODs.

Loan tenor up to 8 years

-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

- 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

 

The Maximum Personal Loan amount is 70,000 JOD.

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