{"id":2264,"date":"2023-07-12T12:46:56","date_gmt":"2023-07-12T11:46:56","guid":{"rendered":"https:\/\/www.fgrealty.qa\/blog\/?p=2264"},"modified":"2025-06-06T19:34:41","modified_gmt":"2025-06-06T16:34:41","slug":"understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar","status":"publish","type":"post","link":"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/","title":{"rendered":"Understanding the Updated Financing Requirements of Real Estate Properties in Qatar"},"content":{"rendered":"<p>The Central Bank of Doha recently issued a circular that provides important guidelines on the financing requirements for real estate properties in Qatar. This circular addresses various aspects of property financing, focusing on different categories of individuals and companies. We\u2019re going to delve into the key points highlighted in the circular, so you know what to expect when it comes time for you to consider buying a property in the rapidly-evolving city!<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/#financing-property-for-residential-purposes\" >Financing Property for Residential Purposes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/#a-qatari-nationals\" >A. Qatari Nationals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/#b-expatriates\" >B. Expatriates<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/#financing-real-estate-for-investment-purposes\" >Financing Real Estate for Investment Purposes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/#a-qatari-nationals-and-national-qatari-owned-companies\" >A. Qatari Nationals and National Qatari-Owned Companies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/#b-expatriates-and-expat-owned-companies\" >B. Expatriates and Expat-Owned Companies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/#c-non-residents\" >C. Non-Residents<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/#financing-real-estate-based-on-rental-income\" >Financing Real Estate Based on Rental Income<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/#a-qatari-nationals-and-qatari-owned-companies\" >A. Qatari Nationals and Qatari-Owned Companies<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/#b-expatriates-and-non-resident-individuals-companies\" >B. Expatriates and Non-Resident Individuals &amp; Companies<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"financing-property-for-residential-purposes\"><\/span><strong>Financing Property for Residential Purposes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The first point emphasized in the circular pertains to financing real estate properties for personal residential use, rather than investment purposes. The guidelines differ for Qatari nationals and expatriates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"a-qatari-nationals\"><\/span><strong>A. Qatari Nationals<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For Qatari nationals, the circular states the following:<\/p>\n<ol>\n<li>If the value of the property is equal to or less than 6 million riyals, banks can finance up to 80% of its value. However, the financing tenure is limited to a maximum of 30 years.<\/li>\n<li>If the value of the property exceeds 6 million riyals, banks are allowed to finance only 75% of its value. The maximum financing tenure remains the same at 30 years.<\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"b-expatriates\"><\/span><strong>B. Expatriates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The guidelines for expatriates seeking property financing are as follows:<\/p>\n<ol>\n<li>If the value of the property is equal to or less than 6 million riyals, banks can finance up to 75% of its value. The maximum financing tenure is 25 years.<\/li>\n<li>If the value of the property exceeds 6 million riyals, banks are permitted to finance only 70% of its value. The financing tenure is limited to a maximum of 25 years as well.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"financing-real-estate-for-investment-purposes\"><\/span><strong>Financing Real Estate for Investment Purposes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The second point addressed in the circular relates to financing real estate properties for investment purposes. In such cases, the repayment of the financing is based on the rental income generated by the property. The guidelines vary depending on the nationality and ownership of the individuals and companies involved.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"a-qatari-nationals-and-national-qatari-owned-companies\"><\/span><strong>A. Qatari Nationals and National Qatari-Owned Companies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For Qatari nationals and national Qatari-owned companies, the circular outlines the following guidelines:<\/p>\n<ol>\n<li>If the value of the property is equal to or less than 10 million riyals, banks can finance up to 75% of its value. The maximum financing tenure is 25 years.<\/li>\n<li>If the value of the property exceeds 10 million riyals, banks are allowed to finance only 70% of its value. The financing tenure remains capped at 25 years.<\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"b-expatriates-and-expat-owned-companies\"><\/span><strong>B. Expatriates and Expat-Owned Companies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Expatriates and expat-owned companies must adhere to the following guidelines:<\/p>\n<ol>\n<li>If the value of the property is equal to or less than 10 million riyals, banks can finance up to 70% of its value. The maximum financing tenure is 25 years.<\/li>\n<li>If the value of the property exceeds 10 million riyals, banks are permitted to finance only 65% of its value. The financing tenure remains restricted to a maximum of 25 years.<\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"c-non-residents\"><\/span><strong>C. Non-Residents<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Non-residents who wish to invest in real estate properties have their own set of guidelines:<\/p>\n<ol>\n<li>If the value of the property is equal to or less than 10 million riyals, banks can finance up to 60% of its value. The maximum financing tenure is 20 years.<\/li>\n<li>If the value of the property exceeds 10 million riyals, banks are allowed to finance only 60% of its value. The financing tenure is further reduced to a maximum of 15 years.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"financing-real-estate-based-on-rental-income\"><\/span><strong>Financing Real Estate Based on Rental Income<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The circular also covers financing options for real estate properties where repayments are based on rental income, either partially or in full.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"a-qatari-nationals-and-qatari-owned-companies\"><\/span><strong>A. Qatari Nationals and Qatari-Owned Companies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For Qatari nationals and Qatari-owned companies seeking financing based on rental income, the circular states that the maximum financing provided by banks is 60% of the property&#8217;s value. The financing tenure is limited to a maximum of 20 years.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"b-expatriates-and-non-resident-individuals-companies\"><\/span><strong>B. Expatriates and Non-Resident Individuals &amp; Companies<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Expatriates, non-resident individuals, and companies can obtain financing based on rental income under the following conditions:<\/p>\n<ol>\n<li>The maximum financing offered by banks is 50% of the property&#8217;s value.<\/li>\n<li>The financing tenure is limited to a maximum of 15 years.<\/li>\n<\/ol>\n<p>It is important to note that the circular encompasses additional areas of financing, including repayment terms and the sources of those repayments, to be implemented by the banking sector in Qatar.<\/p>\n<p>Understanding the updated financing requirements outlined in the circular by the Central Bank of Doha is crucial for anyone considering real estate investments or seeking property financing in Qatar. These guidelines ensure transparency and promote responsible lending practices within the real estate market, benefiting both borrowers and financial institutions. If you\u2019re looking to make that big move and invest in Qatar, your can find the most exclusive properties in Qatar at <strong><a href=\"https:\/\/www.fgrealty.qa\">www.fgrealty.qa<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Central Bank of Doha recently issued a circular that provides important guidelines on the financing requirements for real estate properties in Qatar. This circular addresses various aspects of property financing, focusing on different categories of individuals and companies. We\u2019re going to delve into the key points highlighted in the circular, so you know what<\/p>\n<div class=\"flex justify-center mt-2\"><a class=\"btn btn--short\" href=\"https:\/\/www.fgrealty.qa\/blog\/understanding-the-updated-financing-requirements-of-real-estate-properties-in-qatar\/\">View Article<\/a><\/div>\n","protected":false},"author":6,"featured_media":2265,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[211],"tags":[],"class_list":["post-2264","post","type-post","status-publish","format-standard","hentry","category-qatar-real-estate-news-developments"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Understanding the Updated Financing Requirements of Real Estate Properties in Qatar - FGREALTY Blog<\/title>\n<meta name=\"description\" content=\"Central Bank Qatar financing guidelines: residential property loans up to 30 years, investment financing 15-25 years. 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