Personal Documents
1. Copy of Valid Photo ID or Passport
2. Copy of syndicate membership card (if any)

Employment Documents (For Employees)
1. Paystub or other proof of salary issued within past 30 days 
2. Statement of account for the past 12 months showing salary domiciliation or copies of last 12 salary slips in case salary is not domiciled

For Self Employed
1. Declaration of income for the past 2 years as per Byblos Bank specimen (*)
2. Declaration of income taxes for the past 2 years
3. Statement of income for the past 12 months (**)
4. Financial statements of the company for the past 2 years (*)
5. Copy of company’s circular, copy of commercial registration certificate, and copy of company’s bylaws (if any)
6. Extract of commercial register
7. Documents proving place of work (copy of leasing or investment contract, etc.)

Property Documents
1. Copy of seller’s ID
2. Copy of sale contract or sale agreement with down-payment receipt(s)
3. Copy of the title deed of the plot to be purchased with the loan
4. Zoning and planning certificate (if notes exist on the real estate certificate) 
5. Copy of real estate certificate

(*) Can be completed with the assistance of the Bank 
(**) Can be replaced by own agendas, vouchers, contracts, or daily sales proving income (for individual establishments, small traders, or liberal professions)

Notes
Submit all original documents with application
Byblos Bank reserves the right to request additional documents if need be, and to accept or reject any application

Available only in USD
Life insurance contracted through ADIR, a member of the Byblos Bank Group, paid over the loan period
First degree mortgage on the property

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