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 7% 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

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:

Interest Rate 

The current interest rate on a new loan is fixed at just 7% 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

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

Are you an expatriate in Kuwait?

Do you wish to buy a new car? Or purchase new furniture for your home or finance your children’s education?
No need to worry any more, Commercial Bank of Kuwait provides maximum convenience through its expatriate loans, a financial package tailored just for you that would help you fund your needs and achieve your dreams.

Loan borrowing requirements for expatriates:

1. Minimum salary required is 400 KD
2. Minimum service at current employer shall not be less than 4 months.
3. The loan amount is calculated on the basis of salary, length of service and the amount of end of service.
4. The minimum age for receiving a loan is 21 years up to 59 years.
5. The applicant must be working in governmental sector, oil sector, or any of CBK listed company.
 
*Terms and conditions apply.

Interest Rate:

The current interest rate on a new loan is fixed at just 7% per annum and calculated on a reducing balance basis.

What Do I need to apply?

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

For more information, please visit any of the Commercial Bank branches or contact us on WhatsApp or by calling 1888225

Apply Now For Expatriate 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 wishing to buy new car. 

WHAT IS IT FOR?

• Discount up to 1,000 KD 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 7%
  
• 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:
  
  

  Car Make	Contact Details
  TOYOTA	90056717
  TOYOTA - Lexus	50885583
  Lexus	66632559
  TOYOTA	97777652
  Nissan	51115322
  Cheverolet - Cadillac	50885583
  GAC	97777652
  Dodge - Jeeb - Fiat - Chrysler	51115322
  Honda	51115322
  VW - Skoda	51115322
  Infinity	51515148
  Hyundai	66632559
  BMW - LAND ROVER -Mini Cooper - Geely - Haval	66632559
  Audi	66632559
  Ford	66632559
  GMC	90056717
  Suzuki	97777652
  KIA	97777652
  Jaguar - Masseratti - Bently - Ferrari	97777652
  Changan	97777652
  Mitsubishi	90056717
  CHERRY	66632559
  Honda	66632559

  
  

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

WORKING HOURS

From Sunday to Wednesday from 8:30 AM to 12:30 noon and from 4:30 PM to 8:00 PM.

Thursday from 8:30 AM to 12:30 noon.

Saturday from 4:30 PM to 8:00 PM.

For further assistance and current car offers & promotions launched by Al-Tiari in cooperation with car dealers, please call 1888225 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.

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 (Fast Track Loan)
  
• Sabah Al Salem (Fast Track Loan)
  
• ِAli Subah Al Salem(Fast Track Loan)
  
• Hadiya (Fast Track Loan)
  
• ِHead Office (Fast Track Loan)
  
• ِSaad Al Abdullah(Fast Track Loan)