Mortgage & Financing Options

Local Banking Solutions

Qatari banks provide a range of mortgage products tailored to both citizens and eligible expatriates. Mortgage terms, eligibility criteria, and interest rates vary, so comparing different banks is essential. Typically, the approval process involves:

Submission of financial documents (salary certificates, bank statements, etc.)

Property valuation by a certified valuer

Final approval from the bank’s credit committee

Tip: Some banks may require a higher down payment for non-Qatari buyers, so planning your finances in advance can help secure better terms.

Islamic Finance

Islamic finance plays a significant role in Qatar’s banking sector. Sharia-compliant products—such as Murabaha (cost-plus financing) or Ijara (lease-to-own)—offer an alternative to conventional mortgages. These products are structured to avoid interest (Riba) and adhere to Islamic principles.

Alternative Funding Avenues

Developer Financing: Certain developers offer in-house payment plans or post-completion payment schedules, reducing reliance on conventional mortgages.

Qatar Development Bank: Focused on supporting SMEs and entrepreneurs, this institution may provide specific funding programs, especially if your project aligns with national development goals.

Reference: Qatar Central Bank – Banking Services and Regulations