Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
NBK - Expatriates Loan NBK - Expatriates Loan Minimum Salary: KWD 0 Salary Transfer: Yes Islamic Finance: No Maximum Term: 0 Years Flat Rate: 2.92% Reducing Rate: 5.25%
Apply Online Now
Fill in your details below and a product advisor will call you back with more details.
Some required information is not valid
NBK understands your needs as an expatriate living abroad, whether you require a new car, need to remodel your home, or pay for your children’s tuition.  NBK offers you the quickest and easiest loan approvals with our Expatriate loans, that will cater to your banking needs.

With NBK, Home is Closer

Conditions:
  • NBK offers you the facility to finance the purchase of a car, furniture or house.
  • You can take a minimum loan of KD 1,000 and a maximum of KD 70,000.
  • Please arrange for your salary to be transferred to NBK, no salary transfer is required for Auto loans.
  • You should be younger than 65 years at the maturity of your loan.
  • You can insure your loan if you wish
  • You can settle the loan early at anytime without paying any fees or future interest.
Loans with indemnity:
  • Loans against indemnity are available up to KD 70,000 over a period of 10 years.
  • The maximum loan amount available is up to 120% of your accumulated indemnity.
Loans without indemnity:
  • You can take a Consumer Loan of up to KD 15,000 over a maximum of 5 years.
  • Family Loans are available for up to KD 30,000 over a maximum tenor of 5 years if you are a Thahabi or Privileged Banking Customer with salary KD 1,500 and above.
Documents Required:
  • Copy of your Civil ID
  • Military ID is required for MOI, MOD and National Guards
  • Salary certificate
  • Salary transfer continuation certificate
  • Passport copy is required
Representative example:

If you borrow KWD 10,000 over 3 years at a Representative APR of 4.6% fixed and an annual interest rate of 4.6% you would pay:

Payment per month – KWD 297.50 | Total charge for credit – KWD 710 | Total amount you repay – KWD 10,710

Please note, the actual rate applied to your loan will depend on your circumstances
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The calculated Annual Percentage Rate(APR) is determined using the annual interest rate on the product plus fees and other costs. The APR is useful when comparing two or more products with different interest rates and fee structures.
Representative Example Calculator
CBK - Personal Loan
Minimum Salary
KWD 350
Flat Rate
1.67%
ABK Installment loan
Minimum Salary
KWD 300
Flat Rate
2.78%
Warba Bank Personal Loan
Minimum Salary
KWD 250
Flat Rate
3.06%
Burgan Bank Consumer Loan
Minimum Salary
KWD 240
Flat Rate
3.06%