No matter what your needs are, whether to build or buy your dream home, to purchase a new car, or simply to pay personal expenses , you will find us beside you to support all your  financial needs and to make all your dreams come true

Consumer Loan

About

Loan for financing consumer goods or personal needs.

Who Can Apply?

  • All CBK customers
  • The borrower can get 25 times the salary with a minimum loan amount of KD 1,000 and not more than KD 25,000.
  • Installment amount should not exceed 40% for employees of the net monthly salary and 30% for pensioners  of the net monthly salary
  • With the option to insure the loan with 2% of the loan amount.

The borrower Age:

  • Kuwaitis: Minimum 21 years and maximum is 69 years, (Final installment should be due before ending the age of 70 years)
  • Non-Kuwaitis: Minimum 21 years and maximum is 59 years, (Final installment should be due before ending the age of 60).


Kuwaitis:

  • Minimum monthly salary required is KD 250
  • Minimum employment tenor is:
    • 1 month for Kuwaitis employed in governmental sector and 3 months for Kuwaitis employed in the private sector.
    • As for pensioners: retirement salary should be transferred to the account at Commercial Bank for 3 months.

Non-Kuwaitis:

  • If the salary is KD 250 and above customer can get consumer loan equivalent to his/her end of service indemnity as it should not be less than KD 1,000 as per consumer loan terms .
  • If the salary is KD 400 and above and the employment period not less than 4 months, the customer can get a consumer loan amount maximum of 15 times salary, Subject to a maximum of  KD 15,000


Interest Rate 

The current interest rate on a new loan is fixed at just 4.5% per annum and calculated on a reducing balance basis

What Should I know?

  • The borrower can get 25 times the salary with a minimum loan amount of KD 1,000 and not more than KD 25,000
  • Your  loan period can be from 12 to 60 months
  • You have the option to insure your loan
  • You can settle the loan early at any time without paying any fees or future interest


What Do I need?

  • A copy of your Civil ID
  • A Kuwait Military ID is required for MOI, MOD and National Guards
  • Your salary certificate
  • A salary transfer continuation certificate


Apply Now For Consumer Loan

Housing Loan

About

Loan is granted to finance the house purchase / construction / renovation

Who Can Apply?

  • All CBK customers
  • Minimum loan amount is KD 1,000 and maximum is KD 70,000
  • Minimum loan period is 24 months and maximum is 180 months
  • Installment amount should not exceed 40% of the net monthly salary for employees and 30% for pensioners  of the net monthly salary
  • With the option to insure the loan with 2% of the loan amount

The borrower Age:

  • Kuwaitis: Minimum 21 years and maximum is 68 years, (Final installment should be due before ending the age of 70 years).
  • Non Kuwaitis: Minimum 21 years and not exceeding 58 years old, (Final installment should be due before ending the age of 60 years).

For Kuwaitis

  • Minimum monthly salary required is KD 350
  • Minimum employment tenor  is:
    • 1 month for Kuwaitis employed in governmental sector.
    • 6 months for Kuwaitis employed in the private sector.
  • As for pensioners: retirement salary should be transferred to the account at Commercial Bank for 3 months.

Non-Kuwaitis:

Salary Range Minimum Employment Eligible Amount Loan Tenor
GCC Citizens From KD 400 1 year 20 times of salary plus accrued end of service indemnity to a maximum of KD 50,000 10 Years
Non-Kuwaiti Starting from KD 400 4 months 15 times of salary or accrued end of service indemnity whichever is higher 10 Years
Nurses 1 year 20 times of salary plus accrued end of service indemnity to a maximum of KD 30,000 10 Years
Non-Kuwaiti Starting from KD 550 2 years 15 times of salary plus accrued end of service indemnity to a maximum of KD 30,000 10 Years
Starting from KD 1700 2 years and working in Private Sectors 25 times of salary plus accrued end of service indemnity to a maximum of KD 50,000 10 Years
Starting from KD 1700 3 years and working in Government Sectors 15 times of salary plus accrued end of service indemnity to a maximum of KD 50,000 7 Years

Interest Rate 

The current interest rate on a new loan is fixed at just 4.5% per annum and calculated on a reducing balance basis

What Should I know?

  • Minimum loan amount is KD 1,000 and maximum is KD 70,000
  • Minimum loan period is 24 months and maximum is 180 months.
  • For loans exceeding the 5-year repayment period, your interest rate will be reviewed every 5 years, provided that the maximum increase or decrease in interest rate will not exceed 2% of the applicable interest rate, as per Central Bank of Kuwait regulations.
  • You have the option to insure your loan.
  • You can settle the loan early at any time without paying any fees or future interest.

What Do I need?

  • A copy of your Civil ID
  • A Kuwait Military ID is required for MOI, MOD and National Guards
  • Your salary certificate
  • A salary transfer continuation certificate


Apply Now For Housing Loan


Short / Long Term Loan

About

Loan is granted to customers against legal pledge on account or deposit / except current account

Who Can Apply?

  • Minimum loan amount is KD 5,000
  • Maximum loan amount as the following:
    • 90% of the pledged amount in KD:(Block 111% of the loan amount required in Kuwaiti Dinars from the deposit)
    • 80% of the pledged in foreign currency:(Block 125% of the loan amount required in Foreign Currency from the deposit)

Repayment of:

  • Short term: minimum 3 months, maximum 12 months (1 year).
  • long term: minimum 1 year (12 months), maximum 5 years (60 months). or due date underlying deposit account whichever is earlier for long term loan.
  • Loan amount is to be repaid on a one payment basis or by monthly installments basis.

Interest Rate 

  • 2.5% for short term loan, over the discount rate of the Central Bank of Kuwait.
  • 4% for long term loan, over the discount rate of the Central Bank of Kuwait.

Apply Now For Short / Long Term Loan

Expatriate Loans

About

Do you wish to buy a new car? Or purchase new furniture for your home Or finance your children education?

No need to worry any more, Commercial Bank of Kuwait provides maximum convenience through its expatriate loans, a tailor made financial package that would help you fund your needs and achieve your dreams.
No matter what your salary is, look at the table below and see which category will be convenient to you based on your salary range. Our staff members are also willing to help you and will attend all your queries.

Salary Range Minimum Employment Eligible Amount Loan Tenor
GCC Citizens From KD 400 1 year 20 times of salary plus accrued end of service indemnity to a maximum of KD 50,000 10 Years
Non-Kuwaiti Starting from KD 400 4 months 15 times of salary or accrued end of service indemnity whichever is higher 10 Years
Nurses 1 year 20 times of salary plus accrued end of service indemnity to a maximum of KD 30,000 10 Years
Non-Kuwaiti Starting from KD 550 2 years 15 times of salary plus accrued end of service indemnity to a maximum of KD 30,000 10 Years
Starting from KD 1700 2 years and working in Private Sectors 25 times of salary plus accrued end of service indemnity to a maximum of KD 50,000 10 Years
Starting from KD 1700 3 years and working in Government Sectors 15 times of salary plus accrued end of service indemnity to a maximum of KD 50,000 7 Years

Interest Rate 

The current interest rate on a new loan is fixed at just 4.5% per annum and calculated on a reducing balance basis.

What Do I need?

  • A copy of your Civil ID.
  • A salary certificate.
  • A salary continuation certificate.

Apply Now For Expatriate Loan

Medical Loan

Because your health is a priority, the Commercial Bank of Kuwait is pleased to announce the launch of the “Medical Loan” where we have partnered with the best hospitals and clinics in Kuwait to finance your medical expenses with no interest.

Details:

  • Loan amount is from KD 1,000 and up to 15 times of the net monthly salary, subject to maximum KD 15,000*
  • Loan Period is from 1 year to 5 years.
  • The offer covers all types of medical treatments.

Participating Medical Centers:

  • Royale Hayat Hospital
  • Maidan Clinic
  • New Mowasat Hospital
  • Taiba Hospital
  • Dasman Clinic
  • Dr. Nael Alhazeem center
  • La Beatue Clinic
  • iSmile Dental Center

Eligibility and Conditions:

  • To apply for the loan, the minimum salary for CBK customers must be KD 400
  • Non-CBK customers must have a minimum salary of KD 600 (for Kuwaitis) and KD 800 (for non-Kuwaitis) to apply for the loan.
  • The minimum age is 21 years old and the maximum age is 69 years old (for Kuwaitis) and 59 years old (for non-Kuwaitis).
  • Applicants under 21 years old can be granted a loan subject to obtaining their guardian’s signature.
  • The loan is offered to customers working in government and oil sectors or private companies listed with the bank.

For more information regarding the “Free of Interest Medical Loan” please contact the CBK Call Center on 1888225

*Terms and conditions apply


Auto Loan

AUTO LOAN

Have you found your dream car but cannot arrange the suitable financing way? Al Tijari’s Auto Loan offers you the opportunity to buy the car of your choice, in the most convenient, fast and competitive way. Find below helpful information about our car loans.

WHO CAN APPLY FOR THE AUTO LOAN?

All CBK customers and non – customer wishing to buy new car. 

WHAT IS IT FOR?

  • Discount up to 700 KD for all CBK and non-CBK customers on car agencies.
  • Al-Tijari  car Loan are ideal for buying your dream car in the most convenient way , with the most competitive terms and services.
  • You can take an Auto Loan of up to KWD 25,000 over a maximum repayment period of 5 years.

 
INTEREST RATES

  • The current interest rate on a new auto loan is 4.5%
  • You can use  Al-Tijari Loan Calculator to get an idea on how much your payments will be.


WHAT SHOULD I KNOW?

  • Quick and simple process.
  • Al-Tijari direct sales officers are available to advise you and assist you on the followings auto dealers / car agency:

Showroom Location

Al-Tijari Sales Officer

Contact

Al-Sayer TOYOTA , AI-Rai

 

Kadem Denial

90056717

Al-Sayer TOYOTA ,AlAhmedi

 

Ahmad AlNajar

50885583

Al-Sayer LEXUS,

AI-Shuwaikh

 

Mohammad AlMahalawi

69000517

Al-Ghanim ,HONDA. CADILLAC & CHEVROLET AI-Rai

 

Girgis Saad

50822290

Al-Babatain NISSAN,AI-Rai

 

Mohammad Nasser

51115322

Al-Mutawa & Al Kazi GAC ,BAIC Al-Rai 

 

Kerolos Tefal

99223816

  • We are financing Auto loan in all car agencies in Kuwait including those where we don’t have sales office .Please, call 1888225 ,whatsApp 50888225 or “ Apply Now..!”.

WORKING HOURS

All week days from from 10:00 AM to 03:00 pm (Except Friday).
For further assistance and current car offers & promotions launched by Al-Tiari in cooperation with car dealers, please call 1888225, ALTijari WhatsApp service at 50888225 or AL Tijari instant WebChat via www.cbk.com 

WHAT DO I NEED?

  • A copy of your Civil ID.
  • A Kuwait Military ID is required for MOI, MOD and National Guards.
  • A salary certificate.
  • A salary continuation certificate.
  • For expatriates, a copy of your passport copy is required.


TERMS & CONDITIONS

  • Al-Tijari  allows you to borrow up to KWD 25,000
  • Your loan period can be from 12 to 60 months.

Loan Centers

AlTijari Loan Centers Service

With Al Tijari dedicated Loan centers for individuals only, you have a multitude of choices for the right loan, housing, consumer, expatriate, auto or medical loan that suit you and your individual circumstances, and we make applying for a loan fast and stress free through professional loan officers.

Loan Centers Benefits:

  • Fast and easy process
  • Professional loan consultancy
  • Within 48 Hours approval*

*Terms & Conditions apply

Working Hours

  • Morning & Evening
  • 9:30 AM – 1:00 PM  / 5:00PM-7:00PM

Branches

  • Ardhiya Branch (Fast Track loan)
  • Sabah Al Salem Branch (Fast Track loan)
  • Salmiya Branch (Fast Track loan)
  • Hadiya (Fast Track loan)
  • Farwaniya Branch
  • Rumaithtiya Branch
  • Qurain Branch
  • Khaldiya Branch
  • Salwa Branch
  • Jabriya Branch
  • Fahaheel Branch
  • South Surra Branch
  • Andalus Branch
  • Al Naeem Branch