• Staff of Public Sector
• Staff of Private Sector
• Staff of working banks in Palestine
• Staff of Housing Bank & its branches in Palestine
• Civil and military retirees
• Professionals & Craftspeople
• Employers
• Clients from Deposit owners’ Segment   

• Meet needs of clients within the targeted segment
• Expand client base by polarizing new clients
• Increase the marketing share of housing loans
• Diversify the basket of products available to clients
• Realize additional proceeds under acceptable risk

• Diminishing Interest Rate
• Free life insurance for borrowers

• Loan Currency Dinar, Dollar 
• Max Loan Value 250,000 JOD or equivalent in USD 
• Financing Rate Max 85%
• Max Loan Tenure, including grace period 25 years 
• Min Repayment Period One Year
• Min Age of Borrowers 18 years old 
• Max Age of Borrowers 70 years old at value date of last installment 
• Repayment Basis Monthly 
• Grace Period Max 6 months (calculated within the total period of repayment) 
• Collaterals As the case may be and under the Bank credit policy in addition to mortgage 

General Conditions

• Registration Deed / Construction Permit & Layouts / ID Documents / Land Scheme / Organizational Site Plan
• Initial sale contract, in case of purchase
• Certificate of salaries for borrowers and proof of income documents for self-employed 
• No more than 50% of the borrower’s total direct monthly deductions and no more than 100% of net income of his/her direct and indirect obligations. Loans are provided under the ceilings approved by the Bank.   
• Financing rate of real estate collaterals up to max 85% of the estimated value or sale contract whichever less subject to client’s risk level is as listed on the credit information system of PMA.
• The max financing rate to elf-employed is 75%.
  

How to apply?

• Fill the Electronic Application
• Contact us the toll-free number 080022111
• Visit the nearest branch

*All applications are subject to Housing Bank terms and conditions.