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ComorosPersonal loan calculator for Qatar 2026
Enter the amount, the term and the bank's rate to see the monthly instalment, the total profit and the true annual percentage rate (APR) including fees. Switch to "Maximum loan for my salary" to apply the salary deduction cap in Qatar.
Example: a loan of 300,000 Qatari riyals over 48 months at a 3.5% flat rate costs 7,125 Qatari riyals a month, with 42,000 in total profit; the equivalent reducing rate is about 6.58%. A personal loan for a citizen of up to 2 million riyals over 6 years, and for an expat of up to 400,000 riyals over 4 years (up to 1 million riyals if secured against the end-of-service gratuity). The instalment cap for citizens is 75% of basic salary and social allowance, and for expats 50% of gross salary.
Finance details
⏩Early repayment
Repayment schedule
The yearly schedule appears after you calculate.
How the calculation works
- Flat rate: profit is charged on the full amount for the whole term, even as you repay it. Personal loans are usually advertised this way.
- APR: the annual percentage rate is the true yearly cost on the reducing balance, including fees. Compare offers on APR, not on the flat rate.
- Salary deduction cap: your instalments together may not exceed a set share of your salary, and the term has a legal maximum. These two limits set the most you can borrow.
Islamic banks call the bank's return "profit" rather than interest; the arithmetic is the same.
Personal finance rules in Qatar
- A personal loan for a citizen of up to 2 million riyals over 6 years, and for an expat of up to 400,000 riyals over 4 years (up to 1 million riyals if secured against the end-of-service gratuity).
- The instalment cap for citizens is 75% of basic salary and social allowance, and for expats 50% of gross salary.
- The interest rate may not exceed the Qatar Central Bank lending rate + 1.5% on the declining balance.
- No fees or commissions other than interest are charged on salary loans.
- Early repayment: Salary loans: no fees other than interest. Other loans: early repayment commission capped at 1%.
- 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 personal finance can I get on my salary?
The maximum instalment is your salary times the salary deduction cap, minus your existing instalments. The most you can borrow is then worked out over the longest term allowed (48 months in Qatar). Choose "Maximum loan for my salary" in the calculator.
How much of my salary can go on loan instalments?
The instalment cap for citizens is 75% of basic salary and social allowance, and for expats 50% of gross salary.
What is the annual percentage rate (APR)?
It is the true yearly cost of the loan on a reducing balance, including admin fees. The Saudi Central Bank and the Central Bank of the UAE require lenders to disclose it. The calculator works it out for you from the flat rate and the fees.
How do I convert a flat rate to a reducing rate?
There is no simple formula, because it depends on the term. The calculator works out the equivalent reducing rate exactly. As a rough guide, the reducing rate is close to double the flat rate on short terms.
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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