At Oman Housing Bank, we understand that securing a housing loan can be a crucial step towards achieving your dream of homeownership. Our lending services are designed to provide accessible and affordable financing options tailored to meet the diverse needs of our clients. With government-subsidized loans based on income brackets, we ensure that everyone has the opportunity to own a home.
We offer government-subsidized housing loans with competitive interest rates based on your income bracket:
Enjoy an exceptionally low interest
rate of 1%
Benefit from an affordable interest
rate of 3%
Take advantage of a competitive interest
rate of 4%
Our subsidized loan programs are designed to make homeownership achievable for all Omani citizens, regardless of their income level.
The maximum loan amount is 60,000 OMR
If you are purchasing a property in one of the government’s integrated cities, the maximum loan amount increases to 80,000 OMR
These flexible loan amounts ensure that you can secure the necessary funds to purchase your dream home or invest in one of the government’s modern and integrated urban developments.
To qualify for our subsidized home loans, applicants must meet the following eligibility criteria:
The applicant must be an Omani citizen
The applicant must have a stable source of income
The applicant should not own a home
The applicant must be married
Neither the applicant nor their spouse should have benefited from any form of government housing subsidy in the past
By meeting these criteria, you can take advantage of our government-subsidized loans to secure your dream home.
Designed to help you purchase your dream home. Our home loans come with flexible repayment terms and competitive interest rates.
Ideal for those looking to build a new home. Our construction loans provide the necessary funds to cover construction costs, ensuring your project stays on track.
Perfect for homeowners who want to renovate or improve their existing homes. Our renovation loans offer affordable financing to help you enhance your living space.
Provides an opportunity to refinance your existing mortgage with better terms and lower interest rates, reducing your monthly payments and overall loan cost.
Our government-subsidized interest rates make homeownership more accessible and affordable for all income brackets.
We offer up to 60,000 OMR for standard home purchases and up to 80,000 OMR for purchases in government integrated cities.
We prioritize your needs and offer personalized loan solutions to help you achieve your housing goals.
We ensure a transparent and straightforward loan application process, providing clear information and support at every step.
Our experienced team is here to guide you through the loan process, from application to approval and beyond.
For more information on our customer experience initiatives or to provide feedback, visit our Contact Us page or reach out to our customer support team. We are here to assist you every step of the way.
