questions and answers

Housing Financing Program

Yes, the beneficiary of the housing financing service can change the type of financing allocated to him/her, according to the procedures approved by Eskan Bank and as long as he/she has fulfilled the terms and conditions.


Yes, it can be transferred, and the conditions regarding age and income are excluded for those who wish to transfer and have existing applications for which no monthly income ceiling has been set.


No, transferring to one of the new types of housing finance does not affect the seniority of the housing application.

 The value of the financing is calculated based on the applicant's income, and the value of the financing can be identified by taking advantage of the "Loan Calculator” service available within the electronic services provided by the Ministry of Housing and Urban Planning in Bahrain.bh National Portal. 

Yes, the spouses can submit a new application or one of them can join the application at any time before the allocation of the financing, or within six months from the date of its allocation, provided that the joint income of the spouses does not exceed the maximum financial limit allowed for the required housing financing, with compliance to all terms and conditions of the eligibility criteria.


Yes, if the application is submitted by the wife, or by both spouses with a consensual agreement between them, provided that both their incomes combined does not exceed the maximum financial limit allowed for the required housing service.


Monthly installments are paid by both spouses according to the installment specified for each of them according to the financing value unless they agree otherwise.


The repayment period is up to 30 years.

BHD 70,000. 


It is a certificate that qualifies the applicant to benefit from the financing service, provided that the necessary requirements by the Ministry of Housing and Urban Planning, Eskan Bank and the financing bank are met, in preparation for issuing the decision to allocate the housing service.

Tas’heel Al Bait Al Oud

Housing financing intended to finance the use of the property of a relative, and for the purpose of purchasing a house, purchasing land, purchasing and building land, purchasing a building and adding to it, building a house, or adding to an existing building within a property owned by a relative of the husband or wife.

Yes, this must be done either under a separate title deed or a title deed with common shares equal to his/her share in the property.

If a separate title deed was issued for the property, this is a guarantee that there will be no disputes in the future, and since it is not possible to issue a separate title deed for the financed home in the main property in some cases, for reasons including minimum area requirements, in such cases the owner of the main property signs declarations guaranteeing that he/she does not dispute the beneficiary in the house, and a consensual division/settlement contract is concluded between the beneficiary and the owner of the main property where specifications and boundaries of the house are determined.

Tas’heel Ta’awon

Financing intended to benefit from the financing feature collectively, and for the purpose of purchasing a house, purchasing land, purchasing and building land, purchasing and adding to a building, or building a house, jointly among a group of beneficiaries.

No specific number is required, with the area of the property must be commensurate with the number of group members, so that each of them obtains an independent unit that meets the conditions of adequate housing.
The value of the property must cover the total value of the financing allocated to the group of beneficiaries, and the value of the financing for each beneficiary and the value of his/her share in the property must be proportional.

Ownership of the property shall be transferred in the name of all the beneficiaries participating in the group, by virtue of separate ownership documents/title deeds or common shares, depending on the case.

The beneficiary shall not be entitled to withdraw from the use of the financing after its allocation unless the group agrees, and after the bank ensures that this does not affect the construction or purchase process.

Any of the owners of new or existing housing applications may be included in the group's application prior to the issuance of the allocation decision, provided that all conditions for benefiting from the financing are met and with approval of the members of the Group.

In this case, the group members must request the inclusion of a new individual in the group, cover the difference in the value of the property or the cost of construction, or replace the property to be purchased with another commensurate with the total value of the financing allocated to the group.

A maximum of BHD 70 per member of the group, each according to his/her income.

Mazaya (New Category)

The benefits and criteria ofthe current Mazaya program have not been changed, as it is possible to apply tobenefit from the Mazaya program to purchase an existing house whose value doesnot exceed BHD 120,000, with the same financing value of BHD 81,000, for theage group from 21 - 35 years.

New options have been added to the Mazaya program (New category), which are purchasing a house, building a house, purchasing land, purchasing land and building it, and the ceiling of the financing value is determined according to age and rate of deduction. Furthermore, the beneficiary age has also been raised to 40 years, and the repayment rate is from 25 to 35% of income depending on age, according to the standards approved by the financing banks.

The monthly income of the applicant at the time of application and until the financing is disbursed from the financing bank shall not be less than BHD 600 and not more than BHD 1,200.

The beneficiary of the Mazaya program (New Category) is obligated to pay a minimum of 10% of the financing value in advance. 

Tas’heel Financing

It is a financing program, which allows the citizen who meets the housing services criteria, to benefit from property financing from one of the participating banks in the housing financing program, with government subsidy provided by the Ministry of Housing and Urban Planning.

o Purchasing a land plot
o Purchasing a dwelling
o Construction of a dwelling
o Purchasing & Construction of a land plot

o Government-subsidized financing
o A financing fixed monthly installment amount.
o First installment payment starts after 6 months.
o Property Price Ceiling is not required.
o Obtaining a larger financing amount when the deduction rate is increased (optional)
o Property Registration Fees coverage up to financing amount.
o Government-paid life insurance coverage. 
o Coverage of administrative fees.
o In case of early payment by the beneficiary, the financing value obtained by the citizen decreases due to their benefit of the government subsidy's full value. 
o Promotional offers and services provided by the financing banks.

- The citizen must be in the age group of 21 and 50 years according to the participating banks’ requirements and standards.
- The monthly income should be between BD 150 and BD 1,200 depending on the participating banks’ requirements and standards, in addition to the housing services standards specified in the housing system.

The maximum financing amount is BD 70,000.

Tas'heel Financing repayment period reaches up to 30 years with fixed monthly installments. 

A 25% monthly salary deduction rate is calculated between BD 320 to BD 674, while those with incomes between BD 675 to BD 1,200 can increase the desired deduction rate, optionally, to either 25%, 30% or 35%, in order to obtain a higher financing amount value of up to BD 70,000, which depends on the beneficiary's allowable debt ratio.

o Eskan Bank
o Al Salam Bank
o National Bank of Bahrain (NBB)
o Bahrain Islamic Bank (BisB)
o Ahli United Bank (aub)
o Khaleeji Commercial Bank B.S.C.
o Al Baraka Islamic Bank
o Kuwait Finance House - Bahrain (KFH)
o Bank of Bahrain & Kuwait (BBK)

The program is subject to the terms and conditions of the housing system and the participating banks standards.