Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Masraf Al Rayan - Home Finance Masraf Al Rayan - Home Finance Minimum Salary: QAR 10,000 Salary Transfer: Yes Early Settlement Fees: Yes Maximum Term: 20 Years Flat Rate: 4.49% Reducing Rate: 8.08%
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Whether you are buying or building the villa of your dreams, you have enough things to worry about. With Bayti from Masraf Al Rayan, at least you won’t have to worry about financing it. Bayti offers flexible tenor periods, competitive profit rates, easy paperwork and a host of other features that help turn your dreams into reality.

Masraf Al Rayan Home Finance Features:
  • First year promotional rate of 4.49%
  • Property insurance against fire and lightning
  • Down Payment of 30%
  • Flexible and competitive 20 year tenor
  • Grace period up to 6 months
  • Simple and prompt approval process
  • Shari’a compliant financing solutions
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
International Bank of Qatar - Mortgage for Qatari Nationals
Minimum Salary
QAR 20,000
Reducing Rate
4.75%
International Bank of Qatar - Mortgage for Expatriates
Minimum Salary
QAR 20,000
Reducing Rate
5.75%
HSBC - Home Loan
Minimum Salary
QAR 15,000
Reducing Rate
11.7%
Ahli Bank - Mortgage Loan for Qatari Nationals
Minimum Salary
QAR 10,000
Reducing Rate
4.5%