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ComorosMortgage calculator for Bahrain 2026
Enter the property price, your income and the bank's rate to see the monthly instalment, the total profit and the yearly repayment schedule. Switch to "How much will the bank lend?" to find the largest loan your salary allows under the rules in Bahrain.
Example: a property costing 120,000 Bahraini dinars, financed at 80% (96,000) over 25 years at 6% reducing, costs about 619 Bahraini dinars a month, with 89,559 in total profit. Housing finance secured by a first mortgage on the borrower's home is exempt from the consumer finance rules, so it is not subject to the 50% cap or the 7-year term, and we found no regulatory cap on the financing ratio or term. Ministry of Housing and Urban Planning programmes are open to citizens on their own terms.
Finance details
⏩Early repayment
Repayment schedule
The yearly schedule appears after you calculate.
How the calculation works
- Reducing balance: each month the bank charges profit only on what you still owe, so early instalments are mostly profit and later ones mostly principal.
- Down payment: central banks cap how much of the price a bank may lend (the loan-to-value limit). The rest is your down payment.
- Salary deduction cap: all your instalments together may not exceed a set share of your income (the debt burden ratio). This decides the largest loan you can get.
Islamic banks call the bank's return "profit" rather than interest; the arithmetic is the same.
Home finance rules in Bahrain
- Housing finance secured by a first mortgage on the borrower's home is exempt from the consumer finance rules, so it is not subject to the 50% cap or the 7-year term, and we found no regulatory cap on the financing ratio or term.
- Ministry of Housing and Urban Planning programmes are open to citizens on their own terms.
- Early repayment: The early repayment fee on housing finance is 0.75% of the balance or 200 dinars, whichever is lower (Appendix BC-7).
- Policy rate: Central Bank of Bahrain: one-week deposit rate 4.75% after the rise on 16 September 2026.
Sources
Frequently asked questions
How much home finance will a bank give me on my salary?
Choose "How much will the bank lend?" and enter your income and existing instalments. The calculator applies the regulatory salary deduction cap in Bahrain and the maximum term, then works out the largest loan and the most expensive property you can buy, with the down payment required.
What is the difference between a flat rate and a reducing rate?
A flat rate is charged on the full original amount for the whole term; a reducing rate is charged only on the balance still owed. So a 3% flat rate equals roughly 5.5% reducing over 5 years. Home finance is usually quoted at a reducing rate, personal finance at a flat rate.
How much is the down payment on a mortgage?
In Bahrain: Per bank policy (no published regulatory limit, we assumed 80%): 20%.
Is it worth repaying a mortgage early?
The early repayment fee on housing finance is 0.75% of the balance or 200 dinars, whichever is lower (Appendix BC-7). The calculator shows the amount needed to settle after any month and how much you save.
Related calculators
Results are estimates for information only. Banks set their own rates and fees within these rules, so check the offer you receive.
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