Personal documents required from the client 

• Copy of ID or passport, or extract of civil status
• Proof of residence (copy of title deed, rental contract, mokhtar certificate, electricity bill, phone bill, or water bill)
• List of properties signed by the client, plus cop(ies)y of title deed(s)
• Real estate certificate. Only requested on plots subject to collateral (mortgage, negative pledge, or proxy to mortgage) and for loans granted on clean basis for plots covering at least 150% of the outstanding loan amount
• Quittance letter proving settlement of client’s dues to municipality

Documents for liberal professions

• Declaration of income for the past 2 years, as per Byblos Bank template
• Bank statement of accounts for the past 12 months

Documents for guarantors or employees who have a side business

• Copy of ID(s) or extract(s) of civil status of the guarantor(s) or employee(s)
• Salary attestation as per Byblos Bank template

Documents for self-employed

• Documents proving the place of work (lease or investment contract, copy of title deed, etc.)
• Bank statement of accounts for the past 12 months
• Financial statements for the past 2 years
• Copy of company’s Commercial Circular
• Copy of company’s bylaws
• Copy of commercial register certificate 
• Extract of commercial register 
• Copy(ies) of minutes of most recent meeting(s) of General Assembly and Board of Directors (as and when applicable)
• Investment permit for industrial companies and gas stations (Beirut only; for other regions, municipality certificate is sufficient 

NB: For overdraft facilities over USD 150,000, audited financials must be submitted

Available in both LBP and USD

Appropriate guarantees are requested once application has been reviewed and may include one or more of the following:

• First Degree Mortgage
• Proxy to Mortgage
• Negative Pledge
• Personal Guarantee
• Life Insurance
• Fire Insurance

The Bank has the right to request additional guarantees in certain cases