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Army Housing Loan
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Home sweet home, with us dreams do come true

When the time comes to buy a home whether residential for the first time, or mountain house, we have the experience and resources to make life easier for you. Byblos Bank is one of the largest providers and, in fact, a pioneer of housing loans in Lebanon. We've helped hundreds of thousands of people to buy, build, and/or renovate their homes.
Consumer Loan Byblos Bank / Gov. Joint Housing Loan
Purpose  To Buy, Renovate or Build a House
Applicant Profile  - Lebanese & residents for more than 10 years.
- Maximum age not to exceed 67by the end of the loan period. 
- A minimum of two years working experience in the same field. 
- Minimum net monthly income 750,000 LBP 
- Family income should not overpass the 3,000,000 LBP
- Monthly payment should not excedd 1/3 of salary if employed and 1/4 if self-employed.
Amount  Min 15,000,000LBP -Max.180,000,000 LBP 
Interest Rate -40% yield of treasury bills for 2 years + 3.5% on LBP 
-US Treasury bills for 10 yrs +6.65% on USD fixed for the first 10 years and Libor 1 year + 4% variable for the rest. 
Repayment Period  10 to 30 years 
Distinctive Features  - A Financing Level Up To - 100% for employees and 90% for self employed for finished apartments and 100% for the army and internal security forces, 70% for rented appartments or house construction and 100% for renovation. 
-No Registration fees , No Mortgage fees and No stamp fees 
- The purchased house must be the principal house. 
-The total surface area (living section) should not exceed 200m2.

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.

Benefits: 
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 ( In the Government Housing Loan Program, the residence should be a principal residence)
• Permitting you to apply as single or couple 
• Offering a flexible repayment period 
• Relaying our relevant decision with minimum delay.