Housing Finance

Housing Finance

We are always by your side to help you achieve your goals.

This service helps customers buy a real estate property or renovate a house. Apply for Housing finance and let us help you make your dream come true.


  • Minimum repayment period is 12 months
  • Maximum repayment period is 180 months (including grace period)
  • finance amount up to KD 70,000
  • Fixed profit rate during the financing period
  • Sharia compliant


  • Competitive profits
  • Free Takaful Life Insurance coverage with a grace period of 92 days from the maturity date of the first instalment (including net financing period not exceeding the maximum limit of 60 months or 180 months)
  • Free telephone service on 1812000 (24/7)
  • Free online banking
  • Free smart phone service

Conditions and required documents

  • Acknowledgment of outstanding debts - if any
  • The customer must have an account with Ahli United Bank
  • Approval of repayment of debts to ensure coverage of 30% of the loan amount
  • Salary certificate
  • A copy of the civil card and an original copy and passport for non-Kuwaitis
  • The customer must not be involved in any legal claims
  • KYC (Know Your Customer)
  • AML (Anti-Money Laundering)
  • Statement of account for the past six months
  • Social security certificate for employees in the private sector

Terms and conditions

AUB finance is subject to the following conditions:

  • Repayment period of up to 15 years.
  • The customer must not older than 60 years for foreigners and 65 years for Kuwaiti nationals at the due date.
  • Maximum finance amount is KD 70,000
  • Monthly installments should not exceed 40% of net salary including all deductions, and 30% for retired customers
  • Customers must provide the necessary documentation to the bank to prove the purpose of the finance, within 6 months from receiving finance amount in their account.
  • To Learn more about the Criteria for submitting supported installment financing documents/invoices - Click Here
  • The balance of finances should not exceed KD 70,000 per customer.

Frequently asked questions

What can be covered by the finance?
Buying or renovating a house.
Should the salary be transferred?
Only if the loan amount required is more than KD 30,000
What is the maximum finance amount?
KD 70,000
* The opening of an account is subject to the Bank's terms and conditions

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Housing Finance

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