Personal Loan

Personal | Loans | Personal | Personal Loan | Iraq | Byblos Bank

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Personal

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Personal Loan

Now you can buy anything you need

Byblos Bank’s Personal Loan offers you the flexibility to finance any project or purchase, whether it's making the final payment on your dream home, buying a car or new furniture, booking a vacation, or covering any other expense.

  • LOAN AMOUNT

    Up to USD 30,000 (or equivalent in IQD)

  • Repayment Period

    Up to 4 years

  • Added Savings

    Competitive interest rates

Eligibility
Applicant Eligibility Criteria:
  • Legal capacity.
  • Age: at least 25 years old and less than 60 years by the end of the loan period.
  • Compliance Clearance and good reputation and good credit history (if any).
  • Work experience: two consecutive years of work experience in the same field, with a minimum of one year with your current employer.
  • Income: net monthly income should be at least IQD 1,500,000.
Fees, Charges, and Limits
Low Interest & fees applied:
  • Flat interest rate
  • Life insurance
  • Stamp fee
  • File fees
  • Expert fees (applicable in cases where loan includes mortgage.)
Conditions and Guarantees
  • Life insurance.
  • Personal Guarantees or mortgage based on loan amount and loan purpose.
  • Loans can be granted against cash collateral.
  • The Bank reserves the right to request additional guarantees in certain cases.
Required Documents
Copy of Valid ID for Iraqi citizens
Copy of Passport and Residency Card for non-Iraqi citizens
Work Contract
Proof of Income

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

This Product Goes Well With

  • Mobile Banking App

    Mobile Banking App

    Keeps you in control of your finances from anywhere, anytime
    • Platforms

      Android, iOS, macOS

    • Fees

      Free of charge

    • Enrolment

      Self - Enrolment

  • Visa Platinum

    Visa Platinum

    Elevate your lifestyle
    • Exclusive benefits

      Special discounts

    • Airport Lounge Access

      Access to LoungeKey

    • Access to LoungeKey

      USD, EUR, IQD

  • Visa Gold

    Visa Gold

    Secure payments with Gold Visa Debit Card
    • Card Issuance

      Instant issuance debit card

    • Card Currency

      Linked to IQD or USD accounts

    • Free replacement

      Free replacement in case of loss or theft

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