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Housing Loans

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Beyti Housing Loan

A home that’s all your own

Owning a home is a major milestone in anyone’s life, and a Beyti Housing Loan from Byblos Bank can help make sure you get everything just right. Beyti gives you all the tools you need to identify an appropriate property, negotiate a fair price, and keep your payments within your means. It also features a preferential interest rate for Lebanese expatriates looking to buy or build a home in their homeland.

  • LOAN AMOUNT

    USD 25,000 with no maximum limit

  • Repayment Period

    5-30 years

  • Special INTEREST RATE

    For Lebanese expatriates

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Eligibility
You must be a Lebanese citizen and, to qualify for expatriate discount, have official residency in another country 
You must be less than 64 years of age at the end of the loan period
You should have at least two years of work experience in the same field
Your net monthly income should be at least USD 800 (or equivalent in LBP) for residents of Lebanon and USD 3,000 (or equivalent) for expatriates
Monthly payment should not exceed one-third of your salary if you’re an employee or one-quarter of your income if you’re self-employed
 
Required Documents

Personal Documents
1. Copy of Valid Photo ID or Passport
2. Copy of syndicate membership card (if any)
3. For Lebanese expatriates, copy of document attesting to official residency abroad

 

Employment Documents (for employees)

1. Paystub or other proof of salary issued within past 30 days
2. Statement of account for the past 12 months showing salary domiciliation at Byblos Bank, or copies of last 12 salary slips if salary is not domiciled

 

For Self Employed

1. Declaration of income for the past 2 years as per Byblos Bank specimen (*)
2. Declaration of income taxes for the past 2 years
3. Statement of income for the past 12 months (**)
4. Financial statements of the company for the past 2 years (*)
5. Copy of company’s circular, copy of commercial registration certificate, and copy of company’s bylaws (if any)
6. Extract of commercial register
7. Documents proving place of work (copy of lease or investment contract, etc.)

 

Property Documents
For finished homes:
1. Copy of seller’s ID
2. Copy of sale contract or sale agreement with down-payment receipt(s)
3. Copy of authenticated allotment plan
4. Copy of the title deed of the section to be purchased with the loan
5. Real estate certificate of the section to be purchased with the loan and for the common sections (issued within past 30 days)
6. Zoning and planning certificate (if notes exist on the real estate certificate)
7. Copy of habitation permit authenticated by legal authorities (or construction certificate if constructed before 1971)
8. For apartments, copy of rules of co-property authenticated by a notary public

For renovating a home:
1. Copy of authenticated allotment plan
2. Copy of the title deed of the section to be purchased with the loan
3. Real estate certificate of the section to be purchased with the loan and for the common sections (issued within past 30 days)
4. Zoning and planning certificate (if notes exist on the real estate certificate)
5. Copy of habitation permit authenticated by legal authorities (or construction certificate if constructed before 1971)
6. For apartments, copy of rules of co-property authenticated by a notary public
7. Copy of contractor’s ID
8. Municipal renovation permit defining renovation works

For constructing a home:
1. Copy of the contractor’s ID or company’s circular in case of a contracting company
2. Copy of the title deed for the plot to be purchased with the loan
3. Real estate certificate of the plot to be purchased with the loan (issued within past 30 days)
4. Copy of construction permit (authenticated)
5. Copy of construction plans authenticated by project engineer
6. Zoning and planning certificate (if notes exist on the real estate certificate)
7. Study of project cost (as per Byblos Bank specimen format number 7) signed by client and contractor

(*) Can be completed with the assistance of the Bank
(**) Can be replaced by own agendas, vouchers, contracts, or daily revenues proving income (for individual establishments, small traders, or liberal professions)

Notes
Submit all original documents with application
Byblos Bank reserves the right to request additional documents if need be, and to accept or reject any application

 
 
Conditions and Guarantees

Available only in USD 
Life insurance contracted through ADIR, a member of the Byblos Bank Group, paid over two-thirds of the loan period
Fire insurance on the home
First degree mortgage on the home

 

The Bank has the right to request additional guarantees in certain cases

 
Example of Annual Percentage Rate (APR)
APR calculation includes filing fees, life insurance fees, stamp fees, and mortgage fees 
Currency: USD
Client: 35 years old and in good health (based on the Bank’s medical questionnaire) 
Home price: USD 500,000
Down-payment: USD 150,000
Loan period in years: 15 
Variable interest rate based on cost of funds +3% (regressive): 7.08%
APR: 8.199%*
*Excluding fire insurance fees
 

This Product Goes Well With

  • Army Housing Loan

    Army Housing Loan

    A perk for our protectors
    • Financing

      Up to LBP 525 million

    • Repayment Period

      7-25 years

    • Added Savings

      No fees or commissions

  • Government Housing Loan

    Government Housing Loan

    A public boost for your private dreams
    • Financing

      Up to LBP 270 million

    • Repayment Period

      10-30 years

    • INTEREST RATE

      Preferential

  • Land Loan

    Land Loan

    Grab that perfect property now
    • Financing

      Up to 50%

    • Repayment Period

      5-10 years

    • Added Savings

      Competitive fees