Expat home loans in Lebanon: caps and how to apply

TL;DR Banque de l’Habitat’s CEO says housing loans are available to Lebanese residents and expatriates alike , with caps up to $100,000 (purchase/build) and $50,000 (renovation). Publicly stated conditions include property limits (up to 150 m² and building age up to 10 years ) plus at least 20% self-funding. Applications can start online, but approval timelines depend on documentation, technical inspection, and property paperwork. Apply Here: https://www.banque-habitat.com.lb/ar What changed — and why expats should care For years, Lebanon’s mortgage market was largely frozen or fragmented. What’s notable now is the bank’s explicit messaging that Lebanese expats can apply , not only residents. That matters because expats are often the only segment with: stable foreign income documentation, and the ability to handle USD-based requirements without relying on local banking liquidity. The result is a clearer path for diaspora buyers who want to purchase, build, or renovate property in Lebanon under published caps and conditions. The key terms being circulated Based on published statements attributed to the bank’s general manager, the following terms have been shared publicly: Loan caps Up to $100,000 for purchase or construction Up to $50,000 for renovation Property conditions Maximum area: 150 square meters Maximum building age: 10 years Self-funding requirement Applicant must cover at least 20% of the property value (self-financing/down payment) Income guidance (illustrative thresholds) For a $100,000 loan: net family income in the range of $2,500 to $5,000 per month Smaller loans: income in the range of $1,000 to $2,500 per month Work history At least two consecutive years of work history, supported by documentation Interest and repayment Interest reported around 6% annually Repayments reported in cash USD Important note: These are publicly stated conditions in published reporting. Real approvals can differ by file type, property status, documentation strength, and ba