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)
• Signed list of properties, 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 outstanding loan amount
• Quittance letter proving settlement of client’s due 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

• A copy of ID, extract of civil status of the guarantor(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)

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

APR calculation includes stamp fees, filing fees, expert fees, mortgage fees, and mortgage release fees
Currency: USD
Premises cost: USD 300,000
Client’s contribution: USD 120,000
Loan amount: USD 180,000
Loan period in years: 10
Grace period in months: 6 (outside the loan period)
Variable interest rate (regressive): 10.5%

Quarterly Commission: 2‰ on the highest debit balance
APR: 12.801%