Home Loan for Leasehold Properties

Lease Hold Housing Loan is a product available to Qataris and Expatriates who are seeking to finance purchasing a house in areas designated by the Government as Category 18 wherein a customer is provided a leasehold contract renewable within a ninety-nine (99) year period and avail a certificate of Usufruct.


Features & Benefits

  • Available for Qatari and Expatriate
  • Competitive interest rates
  • Flexible monthly repayments
  • Plans for self-employed customers
  • Life guard insurance on reducing balance- Monthly
  • Property insurance on valuation price ( Building value) – Yearly

The leasehold properties allowed the customers to utilize a residential unit for 99 years with renewable contracts. The apartment can be repossessed by other parties depending on the outstanding contract tenure. Lease hold properties should be located within one of the following below investment areas:

No. Area Name Area No.
1 Musheireb 13
2 Ferij Abdel Aziz 14
3 New Doha 15
4 Al Ghanem Al Ateeq 16
5 Al Refa’ + Al Hatmi Al Ateeq 17
6 Al Salata 18
7 Bin Mahmoud 22
8 Bin Mahmoud 23
9 Rawdat Al Khail 24
10 Al Mansoora + Bin Derham 25
11 Najma 26
12 Um Ghouweilina 27
13 Al Khuleifat 28
14 Al Sad 38
15 Al Murqab Al Jadeed & Al Nasar 39
16 Doha International Airport 48
17 Al Qassar, Al Dafna, Anbara 60, 61, 63
18 Lusauil ,Al Kharayej , Jabal Al Thaalab (Fox Hills) 69, 70

Eligibility Criteria

Eligibility Criteria Qataris Expats
Maximum Loan Amount – QAR 5,000,000 4,000,000
Maximum Loan Tenure – Years 30 25
Maximum Age at Maturity – Years 75 65
Maximum Finance Amount
(from the forces sales value )
80% 75%
Maximum DSR ( Debt Service Ratio) 75% from ( Basic + Social allowance ) 50% from total gross salary

Documents required for salaried customers

  • Salary certificate addressed to Doha Bank
  • Passport copy for expatriates
  • 6 months bank statement if salary is being transferred from another bank
  • Liability letter addressed to Doha Bank if loan is being transferred from another bank
  • Copy of title deed , map
  • Security cheques (for expatriates)
  • Copy of ID
  • Developer’s quotation
  • Signed and completed application form
  • Down payment receipt
  • Preliminary agreement between seller & buyer for resale cases

Documents required for self-employed customers

  • Copy of ID, passport copy for expatriates
  • Audited financial statement for last 2 years
  • Liability letter addressed to Doha Bank if loan is being transferred from another bank
  • Copy of commercial registration
  • Down payment receipt
  • 12 months business statement if account is held by another bank
  • 6 months personal bank statement if account with another bank
  • Signed and completed application form
  • Preliminary agreement between seller & buyer for resale cases
  • Security cheques (for expatriates)

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Interest Calculation (APR):

  • Commencing from the Loan Date, interest shall accrue on the Loan on a daily basis at the relevant Interest Rate and will be capitalized to the Loan Amount at the end of each month.
  • Interest will be calculated as per following formulae. The Daily Balance of the Loan X Total Annual Rate X (1/360)
  • Every payment made after the due date will result in additional interest accrual on loan
  • Where a Grace Period applies or where the Customer is granted a postponement in respect of an installment, interest on the relevant Loan shall continue to accrue and will be capitalized to the Loan Amount at the end of each relevant month.