Finance up to 80% of an Omani property
Compare indicative rates from four Omani lenders, model your monthly payment, and let the advisory desk run the pre-approval for you.
Affordability calculator
Estimated monthly payment
931OMR
Reducing balance, principal and interest only.
- Loan amount
- 144,000 OMR
- Total interest
- 79,335 OMR
- Total repaid
- 223,335 OMR
- Indicative income needed
- 3,257 OMR
Illustration only. Final pricing depends on the lender, your residency status and the property valuation.
Indicative lender panel
Rates updated October 2026 for salaried residents, reducing balance.
Bank Muscat
4.75%Fastest pre-approval for salaried expats
National Bank of Oman
4.99%Accepts ITC and Sultan Haitham City
Bank Dhofar
5.10%Strong on Dhofar and Hawana stock
Ahli Bank
5.25%Fixed rate for the first three years
| Lender | Rate from | Max LTV | Max term | Highlight |
|---|---|---|---|---|
| Bank Muscat | 4.75% | 80% | 25 years | Fastest pre-approval for salaried expats |
| National Bank of Oman | 4.99% | 80% | 20 years | Accepts ITC and Sultan Haitham City |
| Bank Dhofar | 5.10% | 75% | 25 years | Strong on Dhofar and Hawana stock |
| Ahli Bank | 5.25% | 75% | 20 years | Fixed rate for the first three years |
Non-resident buyers are typically financed to 70% LTV. Rates quoted are indicative and subject to credit approval.
The five-step process
- 1
Eligibility check
Share salary, residency status and deposit. We confirm which lenders will consider you before any paperwork.
- 2
Pre-approval
Seven to ten working days once documents are complete. A pre-approval letter strengthens your offer.
- 3
Property valuation
The lender appoints an approved surveyor. Budget around 150 OMR; the valuation usually takes a week.
- 4
Offer letter & insurance
You receive the final rate, term and fees. Life and property insurance are arranged at this stage.
- 5
Registration & disbursement
The mortgage is registered with MoHUP, funds are released to the seller or developer escrow account.
Document checklist
- Passport copy and resident card valid for at least six months
- Salary certificate from your employer, addressed to the bank
- Six months of salary transfer statements
- Signed sale and purchase agreement or developer allocation letter
- Title deed copy or project licence and escrow details
- Down payment proof (bank statement or cheque)
- Self-employed: two years of audited accounts and six months of business statements
Budget for the extras
- Arrangement fee: 1% of the loan amount
- Valuation: around 150 OMR
- Mortgage registration: 0.5% of the loan
- Property insurance: 0.15 – 0.25% of value per year
- Life insurance: required by most lenders
Want a pre-approval?
We can run the comparison across all four lenders.