Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
QNB Personal Loan for Expatriates QNB Personal Loan for Expatriates Minimum Salary: QAR 6,000 Salary Transfer: Yes Islamic Finance: No Maximum Term: 4 Years Flat Rate: 2.22% Reducing Rate: 3.99%
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No matter what you dream of achieving, a QNB personal loan can help you get there. Our wide range of products is sure to take you on that dream vacation, provide your children with the best education, or help you pamper yourself with the latest luxuries.

Types of Personal Loans:
  • Loan against Salary : Personal financing to satisfy all your needs.
  • Top Up Loan: Should you need extra cash while your loan is still outstanding, we can top it up for you quickly and easily.
  • Loan Transfer: If you are not yet our customer, we can help you move your banking relationship to QNB. Transferring your account and your loans has never been easier.
  • Loan against Fixed/Cash Deposit: If you have a fixed deposit with QNB, you can take advantage of even lower rates on your loan, continue to earn interest on your deposit, and get the needed money almost immediately.
  • Education Loans (Schools): Whether you want to pay for school fees or university tuition, we provide super low interest rate options.
  • Education Loan (EMBA – HEC Paris): In cooperation with Qatar Foundation and while attending this exclusive executive MBA program offered by -HEC - Paris, we will finance the full program cost, and you don’t make any payments during the study period of up to 16 months!
  • IPO Loans: Whether you are an experienced stock market investor, or just getting started, a loan from QNB can help finance your next investment.
 Features & Benefits:
  • Consistently among the lowest interest rates in Qatar
  • No management fees or early settlement fees
  • Credit life insurance protection up to QR 1,500,000
  • Minimum Salary - Expats - QR 6,000
  • Maximum Loan Amount - Up to QR 400,000
  • Maximum Tenure - Up to 48 Months
Documents Required:
  • Original Qatari ID
  • Original Passport (For expats)
  • Salary certificate
  • Liability certificate if transferring loan from another bank
Representative example:

If you borrow QAR 10,000 over 3 years at a Representative APR of 4.6% fixed and an annual interest rate of 4.6% you would pay:

Payment per month – QAR 297.50 | Total charge for credit – QAR 710 | Total amount you repay – QAR 10,710

Please note, the actual rate applied to your loan will depend on your circumstances.
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The calculated Annual Percentage Rate(APR) is determined using the annual interest rate on the product plus fees and other costs. The APR is useful when comparing two or more products with different interest rates and fee structures.
Representative Example Calculator
Commercial Bank of Qatar - Personal Loan
Minimum Salary
QAR 5000
Flat Rate
2.67%
International Bank of Qatar - Personal Loan for Qatari Nationals
Minimum Salary
QAR 10000
Flat Rate
1.33%
Doha Bank Personal Loan
Minimum Salary
QAR 5000
Flat Rate
2.19%
HSBC - Personal Loan for Expatriates
Minimum Salary
QAR 15000
Flat Rate
2.77%