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ComorosMortgage calculator for Jordan 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 Jordan.
Example: a property costing 90,000 Jordanian dinars, financed at 80% (72,000) over 25 years at 8% reducing, costs about 556 Jordanian dinars a month, with 94,712 in total profit. The Central Bank instructions set no cap on the financing ratio, term or age for housing loans; each bank sets them. Association of Banks initiative (November 2024): first-home financing up to 100% and up to 150,000 dinars for those earning up to 2,500 dinars, over up to 25 years, according to press sources.
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 Jordan
- The Central Bank instructions set no cap on the financing ratio, term or age for housing loans; each bank sets them.
- Association of Banks initiative (November 2024): first-home financing up to 100% and up to 150,000 dinars for those earning up to 2,500 dinars, over up to 25 years, according to press sources.
- Market example (March 2026, before the September rise): housing loans between 7.25% and 8.5% declining.
- Early repayment: No fee if a year or less remains until the last instalment, and 1% of the amount repaid if more than a year remains; the bank refunds interest collected in advance (Instructions 14/2024, Annex 3).
- Policy rate: The Central Bank of Jordan raised its main interest rate to 6% from 21 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 Jordan 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 Jordan: Per bank policy (we assumed 80%): 20%; Association of Banks first home initiative 2024 (up to 100%, check that it still runs): 0%.
Is it worth repaying a mortgage early?
No fee if a year or less remains until the last instalment, and 1% of the amount repaid if more than a year remains; the bank refunds interest collected in advance (Instructions 14/2024, Annex 3). 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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