
Revised Announcement on Mortgage Regulations in Qatar
The Qatar Central Bank has introduced new guidelines to govern mortgage financing within the nation. These regulations, designed to make loan-to-value ratios and repayment terms more appealing, aim to further boost Qatar’s dynamic real estate market. The initiative welcomes investments from Qatari citizens, non-Qatari residents, and international investors, along with corporate entities.
The borrowing capacity and repayment duration vary based on the property’s intended use—residential, commercial, or investment—with repayment plans adjusted according to property income.
For Residential Properties (either ready for occupancy or under construction for personal use):
- Qatari Citizens: Up to 80% financing for properties valued at up to QAR 6 million (and 75% for properties exceeding QAR 6 million), with a repayment period extending to 30 years.
- Non-Qatari Residents: Financing up to 75% for properties valued at up to QAR 6 million (and 70% for those above QAR 6 million), over a maximum of 25 years.
For Commercial and Investment Properties ready for operation:
- Qatari Citizens and Businesses: Loans covering up to 75% for properties up to QAR 10 million in value (and 70% for properties above this value), with terms up to 25 years.
- Non-Qatari Residents and Companies: Up to 70% financing for properties valued at up to QAR 10 million (and 65% for those exceeding this amount), repayable over 25 years.
- International Investors (Individuals or Companies): Financing up to 60% for properties, with a repayment schedule of up to 20 years for properties valued at up to QAR 10 million or 15 years for those above.
For Commercial and Investment Properties (with repayments based on property income):
- Qatari Nationals and Businesses: Up to 60% financing, repayable over 20 years.
- Non-Qatari Residents and International Investors (Individuals and Companies): Financing up to 50%, with a maximum repayment term of 15 years.
Why Choose Qatar for Investment?
Qatar boasts a stable, resilient economy with significant growth potential, offers 100% foreign ownership, zero income tax, a 10% corporate tax rate, ranks fourth globally in GDP per capita, and presents a multicultural society alongside world-class infrastructure.
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