Al-Motahid Home Financing

Your Peace of Mind …Guaranteed!

Your ambition of owning the house of your dreams can now be fulfilled with Al-Motahid Home Financing where you get the best of benefits and features.

Settle down in your home

Al-Motahid Home Financing provides you with complete transparency, which is the cornerstone of Islamic financing. Here at AUB, we try to anticipate your requirements by providing you with a range of solutions to own home/land under Murabaha or Ijara or building/renovating your home under Istisnaa financing*.

Purchase a Home “Villa or an Apartment”

There is no need to compromise on your dreams, AUB offers you financing to afford the home you want.  Whether you plan to purchase a villa or an apartment, our home financing programs will help you achieve your goal.  

Purchase a Land for building use

If you plan to buy land for building a future house, our Home Finance Program for up to 15 years will help you get there

Build or Renovate a Home

If you own a piece of land and need to build on it a future house, or you already own a property that is under construction for future house and need it to be completed, or even own a home and wish to renovate it, Al-Motahid Home Financing is the flexible solution to your various needs.

Construction Materials and Works

Al-Motahid Home Financing supports your requirements for all construction materials and Works with easy installments and flexible payment methods.

What do you get?

  • Available under Murabaha, Ijara or Istisnaa
  • Financing up to KD 70,000*
  • Flexible financing for up to 15-years
  • First installment due after fulfilling the contract


  • Available for Kuwaiti citizens, GCC citizens and Expatriates*
  • Must transfer salary to AUB
  • Must have a Purchase order/quotation from the original landlord or supplier in case of purchasing home/villa/land/construction & building materials
  • Minimum employment period of 1 month with current employer*
  • Only for AUB approved companies*

Required Documentation for the Real Estate

  • Must be fully constructed in case of purchasing your home
  • Must have the architectural design available in case of building or renovation

Easy Steps

  • Open an account at AUB
  • Transfer your Salary to your account
  • Fill in the required application and submit the related property documentation
  • Sign the Sale/Ijara/Istisnaa contract

What should you provide?

  • A copy of the building permit
  • Valid civil identification ID and/or Passport Copy  for GCC citizens and Expatriates (with Valid Residence Visa for expatriates)
  • Salary Certificate

* Terms and Conditions apply

For more information, please call Hayakom on 181 2000 at any time, or visit us at the closest branch to you.