Banque de l’Habitat housing loans — ceiling, rate and who qualifies
A Banque de l’Habitat housing loan is a subsidised loan for Lebanese people on low and middle incomes and people with special needs, used to buy, build or restore a home. The ceiling was raised to US$100,000 in June 2025, and the annual interest rate was cut to 5.75% from 1 July 2026.
The terms as last reported
| Maximum loan | US$100,000, raised from US$50,000 by the Council of Ministers on 16 June 2025. Reported by Almarkazia, 16 June 2025 |
|---|---|
| Annual interest rate | 5.75% from 1 July 2026, down from 6%. Reported by Almarkazia, 2 July 2026 · L'Orient-Le Jour, 2 July 2026 |
| Who it is for | Lebanese people on limited and middle incomes, and people with special needs. Reported by Almarkazia, 16 June 2025 |
| What it can be used for | Buying, building or restoring a home. A solar power system and a wastewater treatment unit can be financed within the restoration and construction loans. Reported by Almarkazia, 16 March 2026 |
| Where the money comes from | A facility from the Arab Fund for Economic and Social Development worth 50 million Kuwaiti dinars, about US$165 million. Reported by Almarkazia, 2 July 2026 · Almarkazia, 16 June 2025 |
Each figure above is dated and linked to the report it comes from. Lending terms change — confirm the current terms with Banque de l’Habitat before acting on them.
Questions people ask
How much can you borrow from Banque de l’Habitat?
Up to US$100,000. The Council of Ministers approved raising the ceiling from US$50,000 to US$100,000 on 16 June 2025, for Lebanese people on limited and middle incomes and for people with special needs.
Reported by Almarkazia, 16 June 2025
What is the interest rate on a Banque de l’Habitat housing loan?
5.75% a year from 1 July 2026, reduced from 6%. The cut followed the Banque du Liban governor’s approval exempting the bank from the 0.25% annual management fee charged on the Arab Fund loan, and it also applies to earlier loans from that same source, from the last instalment of the current contractual year.
Reported by Almarkazia, 2 July 2026 · L'Orient-Le Jour, 2 July 2026
Who is eligible for a subsidised housing loan in Lebanon?
Lebanese people on limited and middle incomes, and people with special needs. Banque de l’Habitat’s mandate is specifically to serve those groups.
Reported by Almarkazia, 16 June 2025
Can the loan pay for solar panels?
Yes. A solar power system, and a wastewater treatment unit, can be financed within the restoration and construction loans rather than as separate products.
Reported by Almarkazia, 16 March 2026
Is there a loan for adapting a home for a person with a disability?
Restoration loans in Lebanese pounds can be used to adapt a home to the needs of a person with a disability. A dedicated “restoration loan” for people with special needs was proposed to the Minister of Social Affairs on 4 July 2026 — that one is a proposal, not a product on offer.
Reported by Almarkazia, 19 March 2026 · Almarkazia, 4 July 2026
Who funds Banque de l’Habitat’s housing loans?
Chiefly the Arab Fund for Economic and Social Development, a body of 21 Arab states, through a facility of 50 million Kuwaiti dinars — about US$165 million. Its fourth tranche, US$16,123,000, reached the bank in April 2026.
Reported by Almarkazia, 8 April 2026 · Almarkazia, 2 July 2026
How to apply
Applications go to Banque de l’Habitat directly. This page is a public record of what has been reported about the programme; it is not an application channel and takes no personal details.
Last reviewed: 15 August 2026