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PERSONAL LOANS

A Personal Loan with attractive interest rates

National Bank of Oman’s Personal Loans are designed to offer you a hassle-free experience when you need extra funding. Not only do we make sure your loan is processed quickly and efficiently, we also offer a host of benefits including flexible payment terms and additional financing.

Please find that we have designed a Key Fact Statement (KFS) that summarizes the main characteristics of the product. It is brief and limited to critical information that will support your understanding of the product.

You will receive an SMS confirmation once your account is opened.

Features

High loan amounts

Loans are calculated based on your monthly salary and length of employment.
Doorstep service

Our sales representatives visit you to make the application process even easier.
Easy monthly installments

We offer loan tenures of up to 60 months for expatriates and up to 120 months for Omani nationals.
Take-over of Loans

We will help you transfer your loan from another bank with the most competitive rates and no hidden charges.

BENEFITS

Need a little extra financing during your existing loan tenure? You can apply for an additional loan to the original amount.*
Credit Life Insurance covers your loan amount for the entirety of your repayment period. This allows us to waive all outstanding loan payments in the unfortunate case of death.
Installment deferment - we offer the option of deferring your monthly payment twice a year, allowing you greater control and peace of mind.

*Terms and conditions apply.

ARE YOU ELIGIBLE?

At National Bank of Oman, we believe that banking should be made simple for everyone. The National Bank of Oman Personal Loan is open to all Omani nationals with a minimum salary of OMR 300/- , as well as to new expatriates working in Oman with a minimum salary of OMR 500/- and existing expatriates customers with minimum salary of OMR 300/-

HOW TO APPLY

To apply for a personal loan, please visit a National Bank of Oman branch near you, with the below mentioned documents and the rest will be taken care of by your Relationship Manager at the bank:

ID copy (for all Omani nationals).
Salary assignment letter.
Recent salary certificate.
One passport photograph.
Recently paid electricity/telephone bill.
Six months bank statement (for buyout loans).
Outstanding letter (for buyout loans).
Passport copy (for expatriates).
Labour card copy (for expatriates).

FEES AND CHARGES

Description	Amount or % (Including VAT)
SRL Processing fee	26.250
Pre-payment Charge	1.05% of the pre-paid amount
SRL Top-up	OMR.5.250
NOC / BC	OMR.2.100
Overdue payment charges	1.05%
Insurance fee processing fees	0.05% minimum of OMR. 5.250 maximum of OMR. 78.750