BankDhofar SAOG House Loan

Minimum Salary needed OMR 350
Maximum amount available OMR 500,000
Length of Loan 25 Years
Profit Rate 4.50% to 4.75%.
Upfront Fees ( if any ) OMR 50
Eligibility A permanent employee of the Government of Oman; A permanent employee of Semi-Government establishments of Oman; The applicant cannot be under 18 or over 60 years of age at the time of the maturity of the loan, and 55 years for females in the private sector; The applicant should hold a minimum of 4 months with their current employer; The Applicant should not be blacklisted with BankDhofar or Central Bank of Oman (CBO) caution list or CBO BCSB classification list; In case of joint loans - separate loan eligibility will be calculated; however, security of the property will be common; The property to be purchased should not be more than 15 years old; Debt Burden Ratio (DBR) 60%
Main Features Interest rates are fixed for two years and vary after that depending on the market conditions; Quick processing: just 5 working days; Initial approval on the first day; Lowest insurance premium; Income deduction rate does not include credit cards; Income deduction rate will be 100% in case the rental equal or above 30% of total income

BankDhofar SAOG Muscat 

This is Oman’s second largest financial and banking institution by market capitalization and asset base. It was inaugurated 25 years ago, embarking on its operations with only 2 branches. Since that day, the bank has undergone a robust, fast and massive growth and it has over 65 branches and over 139 ATMs positioned throughout Oman.
BankDhofar SAOG Muscat is in touch with modern banking innovations that include online, mobile and electronic platforms. It is committed to serve both retail and corporate customers. It also finances varying levels of business ventures that range from large businesses to SMEs. In addition to that, all its undertakings are in line with Shariah law and values.


This popular and historical city is the largest in Oman. It is also the sultanate’s chief city and its official seat of power and administration. It is experiencing a rapid growth with a booming economy and an inter-ethnic population that is above 1.2 million.
It is an old city that has enjoyed a commercial and political heyday in the Middle East for many years. Muscat is a commercial port connecting the Eastern and Western trade blocks and its current modernization and growth are elevating it into an influential trade center. The city’s primary economic activities are trade, porting and oil.

House Loan

This is a product designed to catapult you into a faster and safer realization of your personal dream to own your own home.

Key features:


  •     Broad-base: you can use it to buy a home, land, construct a new house, as well as improve and extend your current house;
  •     Minimum loan amount of OMR 10,000 and maximum of OMR 500,000;
  •     Financing of up to 80% of the property to be bought; and
  •     Available to joint account holders;



  •     Minimum salary of OMR 320;
  •     Minimum applicant age of 18 years; and
  •     Repayment period of up to 25 years.