Are there any interest charges on the social housing loan?

No, eligible citizens with monthly household incomes under 600 OMR receive an interest-free development loan (0% interest).

What is the maximum repayment duration?

The maximum amortization period is 25 years (300 monthly installments), subject to a 25% salary deduction ceiling.

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Oman Subsidized Housing Loan Calculator 2026 (Ministry of Housing & OHB)

Calculate interest-free monthly installments (0% interest) and repayment schedules for subsidized citizen housing loans from the Ministry of Housing & Urban Planning and Oman Housing Bank (OHB) up to 30,000 OMR in OMR.

Mortgages & Home Loans Housing & Residential Real Estate & Property

Calculated Result

Subsidized Monthly Installment (0% Interest)

0 OMR

Calculator Inputs

Requested Housing Loan Principal (OMR - Max 30k)

OMR

Quick select:

Repayment Duration

Monthly Verified Income of Citizen (OMR)

OMR

Quick select:

Calculated Result

Subsidized Monthly Installment (0% Interest)

0OMR

Total Repaid Amount

0 OMR

Salary Deduction Ratio

0 OMR

Calculation Methodology

Subsidized housing loans carry 0% interest for eligible low-income citizens (monthly income ≤ 600 OMR). Monthly Installment = Loan Principal (up to 30,000 OMR) / Repayment Term in Months (up to 300 months / 25 years), capped at 25% of net monthly income.

Important Legal & Educational Disclaimer

This tool calculates repayment schedules under the official Social Housing & Subsidized Loans regulations of Oman Housing Bank (OHB).

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.