Personal Loan

A QNB Personal Loan offers you greater flexibility for financing any purchase or project. Whether you are shopping for home appliances and furniture, or even planning your wedding, the Personal Loan is the perfect solution to ensure your comfort and meet your needs.


  • Loan amount: up to 70 times the salary for nationals (Debt Burden Ratio should not exceed 50%) and up to 6 times salary for expatriates (subject to accumulated end of service benefit/gratuity cap)
  • Loan period: up to 10 years for nationals, and 3 years for expatriates
  • Competitive interest rates
  • Monthly payments not to exceed 50% of the net salary (excluding mortgage loan), and 60% (including mortgage loan)


  • Assignment of salary to QNB Oman
  • Salary certificate from employer (among QNB Oman approved list of employers)
  • 6 Month bank statements
  • Copy of original national ID/passport
  • Copy of Residency Card for non-GCC expatriates
  • Life Insurance covering the full Personal Loan duration

Terms and Conditions apply.

Loan Calculator

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Loan Summary

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Last Installment Date {{getPLCalData.lastDate}}
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Loan Schedule

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* Rates are for information purpose only and are subject to change without notice. You should confirm current rates with your relationship officer or branch before making any transactions that could be affected by changes in the rates.

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