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ComorosMortgage calculator for Qatar 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 Qatar.
Example: a property costing 2,500,000 Qatari riyals, financed at 80% (2,000,000) over 25 years at 5% reducing, costs about 11,692 Qatari riyals a month, with 1,507,540 in total profit. Published 2013 instructions: financing of 70% of the property value over 20 years for employees. According to the Qatar News Agency (July 2023): citizens up to 80% (75% above 6 million) over 30 years, and residents up to 75% (70% above 6 million) over 25 years.
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 Qatar
- Published 2013 instructions: financing of 70% of the property value over 20 years for employees.
- According to the Qatar News Agency (July 2023): citizens up to 80% (75% above 6 million) over 30 years, and residents up to 75% (70% above 6 million) over 25 years.
- The instalment cap is 75% of salary for citizens and 50% for expats.
- Early repayment: The early repayment commission is capped at 1% of the balance.
- Policy rate: Qatar Central Bank: lending rate 4.6% from 17 September 2026 (Qatar News Agency), and the salary loan interest cap = lending rate + 1.5%.
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 Qatar 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 Qatar: Citizen (per the 2023 amendment): 20%; Resident (per the 2023 amendment): 25%; Published 2013 rule (employee): 30%.
Is it worth repaying a mortgage early?
The early repayment commission is capped at 1% of the balance. 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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