Doctors Loan

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Byblos Bank

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Doctors Loan

Exclusively for practicing doctors, dentists, and pharmacists

A Doctors Loan from Byblos Bank can be just what your practice needs to thrive, providing greater flexibility to finance any purchase or business-related project, from acquiring new premises or medical equipment to buying new office furniture or even a vehicle.

  • LOAN AMOUNT

    Up to USD 100,000

  • Repayment Period

    Up to 5 years

  • Added Savings

    Reduced interest rates

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Distinctive Features

  • Special Benefits

    Special Benefits
  • Highly competitive reduced interest rates
    Pre-approved Mastercard Platinum Credit Card – with limit up to USD 20,000, depending on income and guarantee(s) provided, and no basic Annual Fee for first year – with every approved Doctors Loan 
    Improved cash flow management
    Financing:
    Up to 100% for ...
    Read More
    Highly competitive reduced interest rates
    Pre-approved Mastercard Platinum Credit Card – with limit up to USD 20,000, depending on income and guarantee(s) provided, and no basic Annual Fee for first year – with every approved Doctors Loan 
    Improved cash flow management
    Financing:
    Up to 100% for personal purchases, except for purchase of new car (70%)
    Up to 50% for purchase of clinic or equipment 
    Low file fees

    Loan available in either IQD or USD, depending on the currency of your salary or income
Simulator
Eligibility
You must be a member of the Iraqi Doctors Syndicate, the Iraqi Dental Association, or the Iraqi Pharmacists Syndicate
You must be residing and working in Iraq, and have at least four years of experience in the industry
Your net monthly income should be at least USD 1,000 (or equivalent in IQD) for single applicants or USD 1,500 for married applicants
Monthly payment should not exceed 25% of your salary if you’re an employee or 20% of your income if you’re self-employed
You must be less than 60 years of age at the end of the loan period
Conditions and Guarantees
Life insurance contracted through ADIR, a member of the Byblos Bank Group, covering the entire loan amount
Guarantees set by the Bank depending on loan amount and loan purpose. Loans can be granted against cash collateral, with a spread of just 4% between the rate you pay on your loan and the rate you earn on your deposit
Expert fees (applicable in cases where loan includes mortgage)

The Bank has the right to request additional guarantees in certain cases
Required Documents
Copy of ID for Iraqi citizens
Copy of Iraqi Doctors Syndicate ID, Iraqi Dental Association ID, or Iraqi Pharmacists Syndicate ID
Work Contract
Proof of Income
Proof of Address

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

Click here to download the checklist

The Bank reserves the right to accept or reject any application. Interest rates, fees, commissions, and benefits are subject to change

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Byblos Bank S.A.L. Al Karrada, Salman Faeq Street,Al Wahda District,

No. 904/14 – Facing Al Shuruk Bldg., P.O. Box: 3235 Baghdad, Badalat Al Olwiya.

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