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Housing

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Land Loan

Grab that perfect property now

You’ve found the ideal spot for your dream home, but you’re not ready to build yet. Now what? With flexible financing and attractive terms, a Land Loan from Byblos Bank provides the resources you need to secure the perfect plot until the time comes to start construction.

  • Financing

    Up to 50%

  • Repayment Period

    5-10 years

  • Added Savings

    Competitive fees

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Distinctive Features

  • Special Benefits

  • Financing amount determined on case-by-case basis, with no pre-set ceiling
    Competitive fees 
    Competitive interest rates
     
Eligibility
You must be a Lebanese citizen (resident or expatriate)
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 2,000 (or equivalent in LBP)
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)

 

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 or copies of last 12 salary slips in case 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 leasing or investment contract, etc.)

 

Property Documents
1. Copy of seller’s ID
2. Copy of sale contract or sale agreement with down-payment receipt(s)
3. Copy of the title deed of the plot to be purchased with the loan
4. Zoning and planning certificate (if notes exist on the real estate certificate) 
5. Copy of real estate certificate

(*) Can be completed with the assistance of the Bank 
(**) Can be replaced by own agendas, vouchers, contracts, or daily sales 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 the loan period
First degree mortgage on the property

 

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

 
Example of Annual Percentage Rate (APR)
APR calculation includes life insurance fees, stamp fees, filing fees, expert fees, and mortgage fees 
Currency: USD
Loan amount: USD 100,000
Loan period in years: 10
Variable interest rate based on cost of funds +5% (regressive): 9.08%
APR: 11.786%
 

This Product Goes Well With

  • Visa Signature

    Visa Signature

    Just right for traveling and shopping abroad
    • Purchase Protection

      Up to USD 20,000 per year

    • Airport Lounge Access

      Free in more than 300 cities

    • Akram Program

      USD 1 (or equivalent) = 1 Point/Mile

  • Deposit Account

    Deposit Account

    Lock in great rates to grow your savings
    • Pick Your Currency

      LBP, USD, or EUR

    • GRACE PERIOD for Withdrawals

      4 days after maturity

  • Insure Your Life

    Insure Your Life

    The ultimate peace of mind
    • Main Feature

      Covers all causes of death

    • Premium

      Flexible

    • Coverage

      Up to USD 100,000