Sub

Home Finance


KHCB’s Shari’a compliant Home financing is easy, affordable and fast with a competitive Profit rates. Our flexible financing is available to employees as well as self-employed and available to Bahrainis and expatriate resident in Bahrain.
With KHCB flexible Home financing it is easy to buy your dream Home.

• Financing up to BD 400,000
• Financing up to 85% of property value
• Residential and commercial properties
• Grace period of up to 120 days
• Financing for Bahrainis and expatriates
• Competitive Profit Rate
• Low processing fee


REQUIRED DOCUMENTS:

EMPLOYEES
• Valid passport copy & original Smart Card (Resident Visa page for Non-Bahraini).
• Original salary certificate (not more than 30 days old).
• Valuation fees.
• Latest original salary slip (in case of variable pay last 3 months).
• Original 3 months personal bank statements in where salary is credited.
• Liability letter from bank/financial institution in original in case of refinance.
• Arrangement Fees 1% of the Finance Amount or minimum BHD250.
• Copy of Title Deed (page 1, 2,3,10 and 12).
• STL as per KHCB’s format.
• BENEFIT Report.

SELF EMPLOYED
• Valid passport copy & original Smart Card (Resident Visa page for Non-Bahraini).
• Copy of valid Commercial Registration.
• Valuation fees.
• Copy of Memorandum & Articles of Association.
• Audited Financial Statements for last 3 years (or)
• 12 months Bank statement required for business accounts.
• 6 month Bank statement required for personal accounts.
• Copy of Title Deed (Pages 1, 2, 3, 10, 12).
• Arrangement Fees 1% of the Finance Amount or minimum BHD250.
• In case of other income (rental income) copy of valid lease agreements (Copy of title deed for the leased property) with tenant IDs.
• Corporate BENEFIT Report.
• Undertaking to transfer business income.
• Undertaking to transfer rental income.

INFORMATION LEAFLET