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Building Strong Bridges for Lebanese Expatriates

Byblos Bank is carefully building bridges with the Lebanese expatriates at the four corners of the globe, based on confidence and professional diversified skills. We customize compatible solutions to your various demands.

You can apply online, or at any Byblos Bank Branch 

Benefits:
Possibility to get a pre-approval based on your personal profile.
Safeguarding you from future drawbacks related to the real estate purchase, through our checklist that protects you against:
• Buying a non-registered real estate.
• Paying inflated purchase price. 
• Saving you the trouble of being involved with real estate agents
• Placing no restrictions upon the desired home
• Permitting you to apply as single or couple
• Offering a flexible repayment period
• Relaying our relevant decision with minimum delay.

Consumer Loan	Expatriates Housing Loan
Purpose	To buy a finished house located in Lebanon only
Applicant Profile	- Lebanese non-residents  - Maximum age not to exceed 64 by the end of the loan period.  - Employed or self employed with a minimum of two years working experience in the same field.  - Self -employed with a banking relationship. - Minimum net monthly income $ 750.  - Monthly payment should not over pass 1/3 of the salary for employee
Amount	Minimum $25,000
Interest Rate on USD	LIBOR + 4.75% MINIMUM 8% *  Regressive, reviewed annually.  Fixed rates will be determined upon presentation of the application.
Repayment Period	7 to 15 Years  50% for employees / self-employed working in Africa, Asia and Australia
Distinctive Feature	- The financing level is up to 70% for employed or self employed doctors and engineers and 60% for other liberal professions - If loan period is > or = to 7 years and house value is < or = to $120,000, no mortgage fees and no stamp fees  - You can design a proxy or a relative to represent you during the mortgage and registration operation.

* The interest rate is calculated as Libor + 4.75% (MINIMUM 8%) on USD, reviewed annually. 
  Check Libor rates and Treasury Bills rates in our daily market watch.

(**)The Bank reserves itself the right to request any additional guarantees when necessary.

Required Documents 

Personal	Employment	On the Property
1-One passport photo (recent). 2-Extract of family civil status (3 months recent). 3-Copy of identification card or passport (valid). 4-Extract of police record (recent). 5-Copy of diploma (if any). 6-Bank reference (if not a Byblos Bank customer). 7-Copy of a valid work and residence permits (issued by the proper authorities at the country of residence). 8-Evidence of existing address in Lebanon.	FOR EMPLOYEE 1-Copy of employment contract (if any). 2-A certificate of salary as per Byblos Bank specimen validated by the proper authorities/or statement of account for the last 12 months showing the salary trend FOR SELF EMPLOYED 1-Declaration of income for the last 2 years as per Byblos Bank specimen (attached) 2-Statement of income for the last year. 3-Official audited financial statements. 4-Copy of trade register company or company’s circular 5-Copy of company by laws.	1-Copy of seller extract of civil status (recent). 2-Copy of allotment plan (authenticated). 3-Copy of title deeds. 4-Real estate certificate of the plot purpose of loan plus the section 1&3 (1month recent). 5-Zoning and planning map (if notes exist on the real estate certificate). 6-Habitation permit authentified by legal authorities (or construction certificate if finished before March 1964) 7-Sale contract and receipts or sale promise. 8-Rules of co-property authenticated by a public notary. Note: Original copies should be presented for final approval
Additional documents may be requested upon the issuance of the preliminary approval

For those living in the USA, please contact Customer Service to inquire about additional required documents, on: 00 961 1 20 50 50 or by e-mail