Housing Loan
Turn Your Dream Home into Reality
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Finance your home purchase, construction, or refinancing needs. |
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Flexible repayment tenures designed around your financial goals. |
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Competitive interest rates tailored to your profile. |
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Simple application process with dedicated support. |
Make your dream of owning or building a home a reality with BankDhofar’s Housing Loan. Whether you're buying your first home, constructing a new residence, or refinancing an existing property, our solutions are designed to support you at every stage of your home ownership journey.
Apply for a Housing Loan now
Choose How You Want to Use Your Housing Loan
Buy a Home
Move into the home you’ve always wanted.
Finance ready or under-construction residential properties with structured repayment options.
Build Your Home
Design and build your home your way.
Access phased financing aligned with construction milestones for better cost control.
Forward Planning with Confidence
Secure your land today, build when you're ready.
Finance the purchase of residential land and take the first step toward your future home.
Refinance Your Existing Loan
Reassess your loan to suit your current needs.
Transfer your housing loan and explore options that better align with your financial plans.
Home Improvement
Enhance your existing living space.
Access financing to renovate or upgrade your home as your lifestyle evolves.
*For existing customers
Financing options designed to support different needs—whether you are buying a home, building, purchasing land, or refinancing your existing loan.
Access housing loan solutions with competitive rates and clearly defined charges to help you plan with confidence.
Repayment options are designed to align with your financial profile and long-term planning goals.
Our experienced staff are available at branches to guide you through the application process and help you choose the right solution.
Designed to minimize complexity, with support available across our branch network to ensure a smooth experience.
Housing loan rates
|
Company Tier |
Salary Less than 700 |
Salary 700 & above |
|
Tier 1 |
4.99% |
4.75% |
|
Tier 2 |
5.25% |
4.99% |
| Tier 3 |
5.50% |
5.49% |
| Company Tier | Salary 700 & above |
| Tier 4 | 5.49% |
Buyout Housing Loan Rates
|
Registered Employer List |
Salary Less than 700 |
Salary 700 & above |
Salary 3,000 & above |
|
Tier 1 |
4.49% |
4.25% |
4.15% |
|
Tier 2 |
4.75% |
4.49% |
4.35% |
| Tier 3 |
5.00% |
4.75% |
4.49% |
| Company Tier | Salary 700 & above | Salary 3,000 & above |
| Tier 4 | 5.25% | 5.00% |
Eligibility Criteria
Any Omani citizen or resident above 18 years of age
Start Your Journey with a Current/ Saving Account.
Open a BankDhofar Account to begin your housing loan journey. This is your first step before applying for a Housing Loan.
Learn more about BankDhofar Accounts.
Ask a question or request a call-back. Our team is here to support you throughout your onboarding journey.
Click here.
Individuals who meet the bank’s eligibility criteria, including Omani nationals and expatriates (as applicable), subject to approval.
Yes. New customers are required to open a BankDhofar Current Account before applying for a housing loan.
Yes, eligibility is subject to the bank’s internal criteria, including minimum salary requirements. Refer to eligibility section.
The loan can be used for purchasing a property, constructing a home, buying land for future construction, or refinancing an existing housing loan.
Yes, the housing loan can be used to finance the purchase of residential land, subject to approval.
Yes, refinancing or buyout options may be available to transfer your existing housing loan.
You can apply on www.bankdhofar.com, or drop in at any BankDhofar branch. Find your nearest location click here.
If you have a query, call us anytime 24x7 on 24791111. Team will guide you through the process.
Typically includes identification, proof of income, bank statements, and property-related documents. You may refer to document section on the website.
Processing time depends on documentation and approval requirements. Timelines will be shared during the application process.
Rates depend on the employer name and salary. Refer to the rates section for indicative slabs.
Yes, repayment tenure options are available within approved limits.
Processing fees and other applicable charges may apply. Please refer to the Tariffs & Charges section for details.
For construction, disbursement may be done in stages based on project progress. For property purchase, it may follow agreed terms.
Yes, you may explore refinancing options based on your eligibility and financial situation at that time.
Do you need further assistance or have questions about Loans?
We are here to help you. Do not hesitate to contact us.
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