You must be a member of the Lebanese Armed Forces. Applications from members of Internal Security Forces, General Security, and State Security must be approved by Army Housing Section 
By the end of the loan period your age should be less than 72 for officers and 68 for enlisted ranks 
You must have a minimum of two years of work experience in the same field
Your net monthly income should be at least LBP 900,000
Monthly payment should not exceed one-third of your salary/income
Loan application must be initiated through Army Housing Section 
Retired personnel must have pension or salary domiciliation at Byblos Bank
Cash collateral equal to 15% of loan amount should be provided, representing 10% reduction of loan amount and settlement of 5% applicant’s accrued membership fees at Army Housing Section