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How much is the monthly payment on a USD 100,000 BDH loan?

6 min read9 sourcesReviewed by Tatyana Alwan, lawyer, 18 Oct 2026
On this page
  1. Key facts
  2. What BDH's own example says
  3. What changes at 5.75%
  4. Can your income carry the payment?
  5. How to get your own monthly figure
  6. It depends on
  7. Common questions
  8. Sources

Short answer

BDH's only published example, a USD 100,000 loan over 20 years at 6% in the first year, gives USD 724 a month (USD 785 if the rate rises 1 point)[1], plus a USD 6 management fee and USD 13 life insurance a month. Since 1 July 2026 BDH's purchase-loan page gives 5.75% a year (APR 6.33%)[2,3,4]. An-Nahar says the cut covers Arab Fund-financed loans. No instalment is published at that rate.

Also asked as: “What is the monthly payment on a 100,000 dollar BDH housing loan over 20 years?” · “Banque de l'Habitat monthly instalment” · “How much do I repay each month on a BDH loan?” · “BDH loan instalment for USD 100,000”

BDH's only worked example comes from its February 2026 Key Fact Statement. That statement fixes the rate for the first year only[1], and the rate was cut on 1 July 2026[2,3,4]. This page covers what was published up to 17 October 2026.

Key facts

BDH's example loan
USD 100,000 over 20 years, on a price of USD 125,000[1]
Instalment in the example
USD 724 a month (USD 785 if the rate rises 1 point)[1]
Charged on top each month
USD 6 management fee and USD 13 life insurance[1]
Rate since 1 July 2026
5.75% a year (APR 6.33%)[2,3,4]; An-Nahar says the cut covers Arab Fund-financed loans
Rate in the February 2026 statement
6%, fixed for the first year only[1]
Loan term
7 to 20 years[1,2]
Affordability rule
instalment at most 33%, all debts at most 45% of net income[1,2]
Insurance
life insurance monthly, home insurance yearly, in fresh USD[1,2]

What BDH's own example says

Banque de l'Habitat (BDH) publishes a Key Fact Statement for its US dollar purchase loan. The February 2026 version works through one case: a home priced at USD 125,000, a loan of USD 100,000 over 20 years, and 6% interest in the first year, with an APR of 6.60%[1]. The loan instalment is USD 724 a month. The USD 6 management fee and the USD 13 life insurance come on top, so the amount you actually pay each month is higher than the instalment.

The same example shows what happens if the rate goes up by one point after the fixed first year: the instalment becomes USD 785[1]. You also pay home (fire) insurance once a year, in cash in fresh dollars[1,2]. BDH's example does not give its price.

What changes at 5.75%

BDH cut its rate from 6% to 5.75% on 1 July 2026. Its purchase-loan page, read in October 2026, gives 5.75% a year (APR 6.33%)[2,3,4], "subject to amendment". According to An-Nahar, the cut applies to loans funded by the Arab Fund for Economic and Social Development. More in the current BDH interest rate.

A lower rate means a lower instalment, but BDH has not published the figure at 5.75%, and it has published no example for other loan amounts or terms[1]. Any 5.75% figure you find online, including from a calculator, is someone else's estimate. Nothing BDH has published says whether the 5.75% rate is also fixed for the first year only. BDH's APR leaves out notary and registration fees and the fire insurance premium, and it assumes a 34-year-old borrower[2,3,4].

Can your income carry the payment?

BDH caps the instalment and your other debts against net income: instalment at most 33%, all debts at most 45% of net income[1,2]. To get the full USD 100,000 loan, the family's net monthly income must be USD 2,500 to 5,000 a month (family net income)[1,2,5]. If you live abroad, BDH also counts the rent you pay where you live among your charges. See what income a BDH loan needs.

The loan is paid only in fresh US dollars, in cash[1,2,5]. BDH does not say whether you can pay instalments by transfer from a bank abroad, so ask before you commit. More in repaying a BDH loan in fresh dollars.

You cannot repay early, fully or partly, before 7 years from signing unless the bank agrees, and after that each prepayment carries a penalty fee whose size BDH does not publish[1,2]. That means you are committed to the loan for at least 7 years, even though the rate, and so the instalment, can change after the first year[1].

How to get your own monthly figure

  1. Check that you qualify at all. You need Lebanese citizenship for at least 10 years[1,2], and employees must be able to work until the loan ends, up to age 64 (70 for the self-employed). The full list is in BDH loan conditions.
  2. Ask BDH itself for the current Key Fact Statement. Ask for one for your amount and term at today's rate, and ask whether the rate is fixed after the first year. We could not confirm a BDH phone number or branch address, so use the contact details on BDH's own website, or ask through its online platform (next step). BDH deals with customers directly and works through no brokers[2,6], so anyone charging you to "get" a quote or a loan is not acting for the bank.
  3. Apply on BDH's online platform. It is open 9:00 to 13:00 on working days[2,5,6].
  4. Plan the down payment. BDH lends at least 20% down; loan at most 80%[1,2], and the 20% is worked out on the bank's own valuation of the home rather than the agreed price. If the bank values the home lower, you pay the difference in cash.
  5. Add the costs the APR leaves out. The Land Registry fee is 3% of the value for Lebanese buyers, 5% for non-Lebanese[7], and stamp duty on the sale contract is 0.4%[8,9]. BDH's own mortgage is exempt from the mortgage filing and release fees[1,2]. See the total cost of buying, and ask the notary for the exact figures before you sign.

It depends on

  • The rate on the day you sign. BDH's page gives 5.75% a year (APR 6.33%)[2,3,4], "subject to amendment", and An-Nahar says the cut covers Arab Fund-financed loans. Ask BDH which rate your contract will carry.
  • The rate after the first year. In the February 2026 statement, a one-point rise takes the example instalment to USD 785[1]. Ask BDH how and when the rate can change in your contract.
  • Your amount and term. BDH lends up to USD 100,000 (minimum USD 20,000)[1,2] over 7 to 20 years, but its only published example is USD 100,000 over 20 years. Ask BDH for a statement for your own figures.
  • Your age. The published APR assumes a 34-year-old borrower[2,3,4]. Ask BDH how your age changes the life insurance premium.
  • The bank's valuation. A valuation below the price raises the cash you put down, because the loan is capped at 80% of the bank's valuation[1,2].

Common questions

Is the BDH monthly payment fixed for the whole 20 years?

No. BDH's February 2026 Key Fact Statement fixes the rate for the first year only[1]. In that example a one-point rise lifts the USD 724 instalment to USD 785.

What is the BDH monthly payment at 5.75%?

BDH has not published one. Its only worked example is at 6%: USD 724 a month (USD 785 if the rate rises 1 point)[1] for USD 100,000 over 20 years. Ask BDH for its current Key Fact Statement.

What income do I need for a USD 100,000 BDH loan?

The family's net monthly income must be USD 2,500 to 5,000 a month (family net income)[1,2,5]. The instalment may not exceed 33% of net income, and all debts together may not exceed 45%[1,2].

Can I pay BDH instalments from abroad?

BDH says its loan is paid in fresh US dollars in cash only[1,2,5]. It does not say whether instalments can be paid by transfer from a bank abroad, so ask BDH before you apply.

Sources

Checked against these sources. The numbers in the text point here.

  1. 1.
    BDH USD Purchase Loan Key Fact Statement (BDH - CPU - KFS - Feb 26)

    Banque de l'Habitat (BDH) · February 2026 · read 17 Oct 2026

  2. 2.
    Banque de l'Habitat - Purchase loan details

    Banque de l'Habitat S.A.L. (BDH) · undated · read 17 Oct 2026

  3. 3.
    Lebanon's PCH eyes USD 100 mn to restart subsidized mortgages at rates below Gulf-funded lender

    EnterpriseAM (MENA+ Edition) · 7 Sept 2026 · read 17 Oct 2026

  4. 4.
    The rebound is real but housing finance is still short in Beirut

    An-Nahar · 23 Sept 2026 · read 17 Oct 2026

  5. 5.
    Housing Loan Limit Raised to $100K, Here Are the New Requirements

    Beirut.com · 25 Jun 2025 · read 17 Oct 2026

  6. 6.
    Banque de l'Habitat - What's new

    Banque de l'Habitat (BDH) · 11 Aug 2025 · read 17 Oct 2026

  7. 7.
    قانون الموازنة العامة لعام 2022 (القانون 10/2022) المنشور في الجريدة الرسمية

    Lebanese Ministry of Finance · 15 Nov 2022 · read 17 Oct 2026

  8. 8.
    Real estate fees calculator

    Kallas Law Firm · 24 May 2026 · read 17 Oct 2026

  9. 9.
    Lebanon: Individual – Other taxes

    PwC Worldwide Tax Summaries · 1 Jul 2026 · read 17 Oct 2026

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