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.

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Résultat Calculé

Subsidized Monthly Installment (0% Interest)

0 OMR

Données du Simulateur

Requested Housing Loan Principal (OMR - Max 30k)

OMR

Sélection rapide :

Repayment Duration

Monthly Verified Income of Citizen (OMR)

OMR

Sélection rapide :

Résultat Calculé

Subsidized Monthly Installment (0% Interest)

0OMR

Total Repaid Amount

0 OMR

Salary Deduction Ratio

0 OMR

Méthodologie de Calcul

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.

Avertissement Légal et Pédagogique

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

Ce simulateur est conçu à des fins éducatives et informatives. Les résultats ne constituent pas un conseil financier, fiscal ou juridique contraignant.