How is the citizen's monthly payment calculated?

The beneficiary pays a fixed monthly installment equal to exactly 25% of their verified monthly income, with the Ministry of Housing covering the remaining balance directly to the commercial bank.

What are the income eligibility thresholds?

The applicant's monthly household salary must be between 600 BHD (minimum) and 1,200 BHD (maximum) at the time of application.

BahrainBahrain Mazaya HousingFinance & Salary

Bahrain Mazaya Social Housing Scheme Calculator 2026 (Ministry of Housing)

Calculate monthly citizen contributions (fixed 25% of net income), commercial bank mortgage installments, and government subsidy top-ups under the Bahrain Mazaya Social Housing Finance Scheme up to 81,000 BHD in BHD.

Mortgages & Home Loans Housing & Residential Real Estate & Property

Calculated Result

Beneficiary Monthly Share (25% Salary)

0 BHD

Calculator Inputs

Property Purchase Price (BHD)

BHD

Quick select:

Monthly Verified Household Salary (BHD)

BHD

Quick select:

Annual Commercial Mortgage Interest Rate (%)

Quick select:

Calculated Result

Beneficiary Monthly Share (25% Salary)

0BHD

Government Monthly Housing Subsidy

0 BHD

Total Commercial Bank Monthly Installment

0 BHD

Calculation Methodology

Total Commercial Monthly Installment = Standard amortized payment on property purchase price (up to 81,000 BHD over 25 years). Citizen Share = 25% of monthly salary. Government Monthly Subsidy = Total Bank Installment - Citizen Share.

Important Legal & Educational Disclaimer

This tool calculates financial commitments under the official Mazaya Social Housing framework of the Ministry of Housing and Eskan Bank in the Kingdom of Bahrain.

This calculator is designed for educational and informational purposes only based on public statutory frameworks. The outputs do not constitute binding financial, tax, or legal advice. We assume no liability for decisions made based on these estimations. Always verify with the relevant official authorities or a certified professional advisor.