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Baituna home loan

Make your ‘dream home’ a reality with baituna home loan

Features:
  • Customers can apply for a loan at any of our branches and baituna sales centers across the country
  • Low interest rates starting from 5.25%  with maximum loan tenor of up to 25 years *
  • Maximum loan amount of OMR 500,000
Eligibility:​

  • Available for Omani nationals only*
  • Omanis who are employed in the government sector & listed private company which meets the specified requirements *
  • Minimum monthly salary of RO 250 for Omani nationals.

* Conditions apply

Fees and Charges:
Description Total Amount (with VAT)
Processing charge 52.500 OMR.
Pre-payment 1.05% of the amount prepaid (whether partial or full payment of the principal outstanding).
Bank charge for the Basic Credit Life Insurance product 0.053% of the total loan amount, minimum of OMR 5.250, and Maximum of OMR 78.750.
Late payments A charge of 1% will be added over the agreed interest rate for every overdue installment.
​

FAQs:

Loan Calculator Loan Pre-Payment Request Form Third Party Registration Form

Construction or renovation agreement Sales & Purchase Agreement  Terms and Conditions

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

Sayyarati car loan

Get set, and get driving…Our Sayyarati Car Loan makes it quicker, easier and affordable to enjoy the freedom that comes when you drive your very own dream car

Features:
  • Apply at any of our branches and sayyarati sales centers across the country.
  • Low interest rates starting from 3,75%  with maximum loan tenor of up to 8 years *​
  • Maximum loan amount of OMR 60,000 for both new and used vehicles*
  • No post-dated cheques.
Eligibility:​
  • Sayyarati car loan is available for Oman nationals and expatriate.*
  • Minimum monthly salary of OMR 250 for Omani nationals.*
  • Minimum monthly salary of OMR 500 for expatriate.*​

* Conditions apply

Fees and Charges:
Description Total Amount (with VAT)
Processing charge OMR 26.250
Pre-payment 1.05% of the amount prepaid (whether partial or full payment of the principal outstanding).
Bank charge for the Basic Credit Life Insurance product 0.053% of the total loan amount, minimum of OMR 5.250, and Maximum of OMR 78.750.
Late payments A charge of 1% will be added over the agreed interest rate for every overdue installment.
​

FAQs:

 

Loan Calculator Loan Pre-Payment Request Form Undertaking not to Drive Form Third Party Registration Form
Sales & Purchase Form  Terms & Conditions

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

Shahadati educational loan

Your partner for a brighter future with shahadati educational loan

Shahadati higher education loan:
  • Covers full expenses including tuition fees, accommodation, transportation, books and any education related expenses. *
  • Available for Omani nationals only.
  • Low interest rates of 5.25% with maximum loan tenor of up to 7 years.
  • Maximum loan amount of OMR 75,000
  • Minimum service period for Omani Nationals 3 Month
  • Minimum monthly salary of OMR 250 for Omani nationals.*

    • * Subject to providing all the necessary document.

Shahadati fees loan
  • Designed for private school fees, summer courses, and professional certificates.
  • Available for Oman nationals only.
  • Low interest rates of 3.75% with maximum loan tenor of up to 1 years.
  • Maximum loan amount of OMR 10,000
  • Joint repayment option available for guardians paying school fees to keep their debit burden ratio low.
  • Loan amount disbursed directly to the school/training center if requested.
  • Minimum service period for Omani Nationals 3 Month
  • Minimum monthly salary of OMR 250 for Omani nationals.*

    * Subject to providing all the necessary document

Eligibility:

Omanis employed in the government sector or listed approved private company , and meet the specified requirement.

Applicant Age: Omani 18 - 60 Years

* Conditions apply

FAQs:

 

Loan Calculator Loan Pre-Payment Request Form Terms & Conditions Bank Charges

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

Zaffa marriage loan

Step into the world of happiness with zaffa marriage loan

Features:
  • Customers can apply for a loan at any of our branches across the country.
  • Low interest rates of 5.25% with maximum loan tenor of up to 5 years.
  • Maximum loan amount of OMR 30,000
Eligibility:
  • Omani nationals only, above 18 years of age.
  • Minimum monthly salary of RO 250 for government/quasi Government employees and RO 500 for employees of registered private companies.
  • Omanis employed in the government sector or listed approved private company , and meet the specified requirement.​

* Conditions apply

FAQs:

Loan Calculator Loan Pre-Payment Request Form Terms & Conditions Bank Charges

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

Terhal travel loan​

Go ahead, compile your travel and discover the world with bank muscat terhal travel loan will help you realize all your holiday plans.

Features:
  • Maximum loan amount of RO25,000 repayable over 12 months.
  • Low interest rate of 3.75% p.a
Eligibility:

Terhal travel loan can be availed by Omani account holders.

  • Minimum monthly salary of OMR 250 for Omani nationals.
  • Minimum service period for Omani Nationals 3 Month*
  • Omanis employed in the government sector or listed approved private company , and meet the specified requirement.

* Conditions apply

FAQs:

 

Loan Calculator Loan Pre-Payment Request Form Terms & Conditions Bank Charges

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

Health and beauty loan

Pamper yourselves with health and beauty loan.

Features:
  • Maximum loan amount of RO25,000
  • Short term repayment periods.
  • Reduced interest rates, starting from 4% p.a.
Eligibility:
  • Available for Omani nationals only, above 18 years of age upto 60 years.
  • Minimum monthly salary of RO 250 for government/quasi government employees and RO 500 for employees of registered companies.
  • Omanis employed in the government sector or listed approved private company , and meet the specified requirement.

* Conditions apply

FAQs:

Loan Calculator Loan Pre-Payment Request Form Terms & Conditions Bank Charges

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

Personal loan

Providing you easy and convenient lending to meet your needs.

Features:

 ​

  • Low interest rates starting from 4%.​*
  • Customers can apply for a loan at any of our branches across the country.
  • Customer salary assignment letter is considered a security against personal loan*
  • Eid deferment is allowed for Omanis*
Eligibility:
  • Available for Omani nationals and residants * 
  • Omanis employed with salary transferred to bank muscat with minimum salary of 250 rial*
  • Expatriates employed with salary transferred to bank muscat with minimum salary of 500 rial*

* Conditions apply

Fees and Charges:
Description Total Amount (with VAT)
Processing charge OMR 26.250
Pre-payment 1.05% of the amount prepaid (whether partial or full payment of the principal outstanding).
Bank charge for the Basic Credit Life Insurance product 0.053% of the total loan amount, minimum of OMR 5.250, and Maximum of OMR 78.750.
Late payments A charge of 1% will be added over the agreed interest rate for every overdue installment.
Special deferment other than Eid OMR 5.250
Rescheduling of loan OMR 5.250
Top up Loan processing OMR 5.250
​

FAQs:

           

Loan Calculator Loan Pre-Payment Request Form Terms & Conditions

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

Green finance

Let’s build a sustainable future together. we provide financial assistance to install Solar PV roof tops that produce sustainable natural resource energy.

Features:
  • Available for Omani nationals only.
  • Low interest rates of 3.5% with maximum tenure up to 5 years. *
  • Maximum loan amount of OMR 25,000 *
Eligibility:
  • Omani nationals above 18 years old.
  • Omanis employed in the government sector or listed approved private company , and meet the specified requirement.​

* Conditions apply

FAQs:

Loan CalculatorLoan Pre-Payment Request Form Terms & Conditions Bank Charges

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

Woqar

Avail loan against your pension and be eligible for different credit facilities such us personal loans, home loans, auto loans and credit cards through Bank Muscat’s Woqar!

Features:
  • Attractive rates of interest starting from 3.25%.
  • Maximum loan Tenure can reach up to 10 years for personal loans and 25 years for home loans.
  • Pensioners can apply for any products under the Woqar Banking Package up to the age of 70.
  • Pensioners can apply for credit cards up to the age of 70.
  • No special documents required, just walk into any Bank Muscat branch.
Eligibility:
  • Retired Omani nationals
  • The loan will be given against pension only

Fees and Charges:
Description Total Amount (with VAT)
Auto Loan OMR 26.250
Consumer Loan OMR 26.250
Top Up Consumer Loan OMR 5.25
Housing Loan Baituna OMR 52.500
Loan Restructuring OMR 15.750
Loan Prepayment N/A
​

FAQs:

 


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