Features:

• Low interest rates starting from 3.75% p.a. with a maximum loan tenure of up to 8 years *
• Maximum loan amount of OMR 60,000 for both new and used vehicles*
• Apply easily through mBanking or Internet Banking or at any of our branches and Sayyarati Sales Centres across Oman. Customers can also apply directly through car dealerships

Eligibility:​

• Omanis with a minimum salary of OMR 250*
• Expatriate with a minimum salary of OMR 750*

Fees and Charges:

Documents Required:

• National ID card for Omanis/ Passport copy for Expatriate
• Salary assignment letter
• Quotation / car valuation from the approved valuator
• Driving license
• Mulkiya (for used cars)
• Copy of the seller’s National ID or passport (in case of used car purchases from individuals)
• Life insurance coverage document
• Joint registration 
  

T&C disclaimer:

• In case of pre-payment, Prepayment charges will apply.
  
• In case of late payment, late payment charges will apply.
  

Loan Calculator Loan Pre-Payment Request Form Undertaking not to Drive Form Third Party Registration Form
Sales & Purchase Form Loan Agreement Consumer & Vehicle Application form

Visit your nearest branch or call 2479 5555 for further details.​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

Shahadati higher education loan:

• Covers full expenses including tuition fees, accommodation, transportation, books and any education related expenses.*
• Low interest rates of 5.25% p.a. with maximum loan tenure of up to 7 years.
• Maximum loan amount of OMR 75,000
  

*Conditions Apply

Shahadati fees loan


• Designed for private school fees, summer courses, and professional certificates.
• Low interest rates of 3.75% with maximum loan tenure of up to 1 years.
• Maximum loan amount of OMR 10,000
• Joint repayment option available for both parents paying school fees
• Loan amount paid directly to the school/training center.
  
• Apply easily through mBanking or Internet Banking or at any of our branches across Oman​
  

*Subject to providing all the necessary documents.

Eligibility:

• Omani employees in the government sector or listed approved private companies, with a minimum service period of 3 months and a minimum salary of OMR 250*
  
• Expatriate employees in the government sector or listed approved private companies, with a minimum service period of 6 months and a minimum salary of OMR 750*
  Applicants age must be between 18 – 60 years.
  

*Conditions apply

Fees and Charges:

Documents Required:

• National ID card of the student and parent/ Passport copy for Expatriate (legal guardian), 
  
• Salary assignment letter of the parent (legal guardian)
• Additional documents for universities/colleges:
• Higher secondary certificate (of the student)
• University acceptance letter including: program name, program code, and program fee
• Program duration
• University banking details (required if direct dispersal is requested)
• Quotation from the university with the stage payment of each semester

T&C disclaimer:

• In case of pre-payment, Prepayment charges will apply.
  
• In case of late payment, late payment charges will apply.
  

Loan Calculator Loan Pre-Payment Request Form Loan Agreement Bank Charges Consumer & Vehicle Application form

Visit your nearest branch or call 2479 5555 for further details.​​​​​​​​​​​​​​​​​​​​

Features:

• Low interest rates of 5.25% p.a. with a maximum loan tenure of up to 5 years.
• Maximum loan amount of OMR 30,000
• Apply easily through mBanking or Internet Banking or at any of our branches across Oman.

Eligibility:

• Omani employees in government/quasi government with a minimum salary of OMR 250*
• Omani employees in private companies with a minimum salary of OMR 500*
  
• Expatriate employees in the government sector or listed approved private companies, with a minimum salary of OMR 750* 
  

* Conditions apply

Fees and Charges:

Documents Required:

• National ID card for Omani/Passport copy for Expatriate.
• Salary assignment letter
• Life insurance coverage document

T&C disclaimer:

• In case of pre-payment, Prepayment charges will apply.
  
• In case of late payment, late payment charges will apply.
  

Loan Calculator Loan Pre-Payment Request FormLoan AgreementBank Charges Consumer & Vehicle Application form

Visit your nearest branch or call 2479 5555 for further details.​​​​​​​​​​​​​​

Features:

• Low interest rate of 3.75% p.a. with a maximum loan tenure of up to 1 year*
• Maximum loan amount of OMR 25,000*
• Apply easily through mBanking or Internet Banking or at any of our branches across Oman.

Eligibility:

• Omanis , aged 18 and above with minimum salary of OMR 250*
• Expatriate aged 21 and above with minimum salary of OMR 750*​
  

* Conditions apply

Fees and Charges:

Documents Required:

• National ID card/ Passport copy for Expatriate.
  
• Salary assignment letter
• Life insurance coverage document

T&C disclaimer:

• In case of pre-payment, Prepayment charges will apply.
  
• In case of late payment, late payment charges will apply.
  

Loan Calculator Loan Pre-Payment Request FormLoan AgreementBank Charges Consumer & Vehicle Application form

Visit your nearest branch or call 2479 5555 for further details.​​​​​​​​​​​​​​​​​​

Features:

• Low interest rates starting from 4% p.a with a maximum loan tenure of up to 1 year*
• Maximum loan amount of OMR 25,000*.
• Apply easily through mBanking or Internet Banking or at any of our branches across Oman.

Eligibility:

• Omanis , aged 18 and above with minimum salary of OMR 250*
• Expatriate​ aged 21 and above with minimum salary of OMR 750*
  

* Conditions apply

Fees and Charges:

Documents Required:

• National ID card/Passport copy for Expatriate
  
• Salary assignment letter
• Life insurance coverage document

T&C disclaimer:

• In case of pre-payment, Prepayment charges will apply
• In case of late payment, late payment charges will apply

FAQs:

Loan Calculator Loan Pre-Payment Request Form Loan Agreement Bank Charges Consumer & Vehicle Application form

Visit your nearest branch or call 2479 5555 for further details.​​​​​​​​​​​​​​​​​

Features:

• Low interest rates starting from 4% p.a.*
• Maximum loan amount of OMR 200,000 for Omanis and 15,000 for residents, with a maximum tenure of 10 years*.
• Eid deferment option is available (for Omanis only)*
• Apply easily through mBanking or Internet Banking or at any of our branches across Oman.

*Conditions apply.

Eligibility:

• Omanis, aged 18 and over, with a minimum salary of OMR 250.*
• Expatriate, aged 21 and over, with a minimum salary of OMR 750.*

* Conditions apply.

Fees and Charges:

Documents Required:

• National ID card for Omanis / Passport copy for Expatriate
• Salary assignment letter
• Life insurance coverage document

T&C disclaimer:

• In case of pre-payment, Prepayment charges will apply
• In case of late payment, late payment charges will apply
• Only two waivers in a year are allowed upon customer request*
  

Loan Calculator Loan Pre-Payment Request Form Loan Agreement Consumer & Vehicle Application form

Visit your nearest branch or call 2479 5555 for further details.​​​​​​​​​​​​​​​​​​​

Features:

• Low interest rates of 3.5% p.a. with a maximum tenure of up to 5 years*
• Maximum loan amount of OMR 25,000*.
  

*Conditions Apply

Eligibility:

• Omanis, aged 18 and above, with a minimum salary of OMR 250.*
• Expatriate, aged 21 and obove, with a minimum salary of OMR 750.*
• Minimum service period of 3 months for Omani and 6 for Expatriate.
  

* Conditions apply

Fees and Charges:

Documents Required:

• National ID card for Omanis / Passport copy for Expatriate
• Salary assignment letter
• Life insurance coverage document
• Cost quotation of the project and regulatory approval.
• Tri-party agreement (to be signed by the customer, the vendor, and Bank Muscat)

T&C disclaimer:

• In case of pre-payment, Prepayment charges will apply
• In case of late payment, late payment charges will apply

Features:

• Low interest rates of 3.5% p.a. with a maximum tenure of up to 10 years for Personal Loans and 25 years for Home Loans.*
• Apply easily at any of our branches.

*Conditions Apply

Eligibility:

• Retired Omani pensioners up to the age of 70*

*Conditions apply

Fees and Charges:

Documents Required:

• National ID card
• Pension salary assignment letter

In addition to the required documents for Baituna Home Loan or Sayyarati Auto Loan.

T&C disclaimer:

• In case of late payment, late payment charges will apply.
• Only two waivers in a year are allowed for Personal Loan.