Personal Loans Against
Real Estate Mortgage

Flexible Financing… Diverse Options

Apply Now

Many Needs? Even More Solutions! Get the personal loan that suits you from Jordan Ahli Bank, secured by a real estate mortgage.

Conditions

  • View All Conditions
    • The maximum loan amount is JOD 100,000 against land, and JOD 200,000 against real estate property.
    • Minimum loan amount JOD 15,000.
    • Maximum repayment period: 96 months.
    • Minimum repayment period: 12 months.
    • Financing ratio: 70% of the appraised or purchase value (whichever is lower) with salary transfer.
    • Financing ratio: 60% of the appraised or purchase value (whichever is lower) without salary transfer for business owners and professionals (expatriates not included).
    • Minimum borrower age: 21 years.
    • Maximum borrower age at the time of loan issuance: 65 years.
    • Maximum debt-to-income ratio: 50%.
    • Minimum income: 400 JOD for public and private sector employees / 1,000 JOD for professionals.
    • Minimum employment tenure: 3 months for public sector / 12 months for private sector / 24 months for professionals.

Interest Rates, Fees, and Charges

When obtaining any banking service, it is essential to review all details related to interest rates, fees, and commissions:

  • Late payment interest: Shall not exceed 1% per annum above the interest rate applicable at the relevant time, calculated on the amount of any installment(s) that the customer fails to pay on the agreed due date, provided that the signed contract with the customer includes an explicit provision granting the bank the right to charge late payment interest.
  • Loan Issuance Fee: 1% of the loan amount, charged once only.
  • Early Repayment Fee: 1% of the remaining loan balance, applicable if more than 12 months remain on the loan term.
  • Check out the Interest Rates, Fees, and Charges
    • Stamp fees: 0.003 of the loan value, rounded up to the nearest thousand.
    • Late payment fee: 10 dinars.
    • Installment deferment fee: 5 dinars.
    • Borrower’s life insurance commission according to the insurance policy approved by the bank.
    • Fee for requesting modification of financing terms or guarantees at the client’s request: 5 dinars.
    • Interest is calculated based on the announced Interbank rate.

Required Documentation

When applying for this service, you will be asked to provide the following documents, based on your category:

  • View Required Documentation
    • Professionals (Doctor, Engineer, Pharmacist, Chartered Accountant):
    • Business Owners:
      • Valid personal identification (Civil Status ID) showing the client’s national number.
      • Recent bank statement covering the last six months.
      • Recent business registration certificate and valid vocational license.
    • Non-Jordanian Residents in Jordan:
      • Personal identification (passport).
      • Copy of valid residency permit.
      • Certified employment contract from the Ministry of Labor.
      • Recent bank statement covering the last six months.
      • Most recent salary certificate.
    • Employees Category:
      • Valid personal identification (Civil Status ID) showing the client’s national number.
      • Copy of employment contract (for contractual employees).
      • Most recent salary certificate issued by the employer.
      • Latest stamped monthly earnings statement.
      • Social Security statement (if available).
      • Recent bank statement covering the last six months.
      • Salary transfer continuity letter (for existing clients with salary transfers).