Housing loans

Presentation

With QNB products and offering package, you can:
- Fund your new residence, whether new or not.

- Buy the plot of land where you intend to build your dream house. 

 

Target customers

Salaried or non salaried customers. 

 

Features

Maximum Loan Amount: 80% of the total project cost

Wage ceiling: Depending on the salary or income

Maximum Loan Tenor: Max. 20 years

Reply time: Max. 5 working days.  

 

Required documents

- Signed and completed Application Form

- Tunisian ID card/professional ID card

- Salary certificate addressed to QNB (not older than 90 days) or retirement pension certificate for retirees
- Statement of income for non salaried customers (last two years)

- Bank statements for the last three months
- Provisional sale agreement (in case of acquisition)

- Origin of the real estate (land title, notarial act)

- Land servicing certificate or any other document related to the use of the plot of land (in case of acquisition)

- Building permit with a validity inferior to 3 years and approved construction plan

- Detailed cost estimate for the overall  works already performed and for the works to be performed (approved by an architect)

- Expert valuation of the real estate to be purchased

 

Granting conditions

- Salaried customers tenured in their current position.
- Irrevocable domiciliation of salaries addressed to QNB (not older than a month) or assignment of salaries (Retirement pension for retired people).

- Mortgage on the real estate to be purchased, collateral or personal security. 
- QNB may require other collateral or personal securities.

 

Benefits

  • Low personal contribution: only 20% of the total amount of the loan.
    Uncapped loan.
    This loan may be combined with the Housing Savings  Scheme.
    Fixed rate repayment, allowing to carefully manage and easily anticipate the expenses.