Can I get a loan to buy solar panels in Lebanon?

Also asked as: “solar loan Lebanon” · “Does Banque de l'Habitat finance solar panels?” · “Bank loan for a solar system in Lebanon” · “How to finance solar panels in Lebanon”

What Banque de l'Habitat lends for solar#

Banque de l'Habitat (BDH) has no solar product of its own. Its renovation loans can include a solar system, and also a waste-water treatment station^[1]. According to BDH's pages read in October 2026, the USD loan runs from USD 20,000 to USD 50,000 over 7 to 10 years, with a grace period of up to 12 months, at 5.75% a year subject to amendment (APR 6.75%). The full rules are in BDH loans to renovate or build.

The bank pays the USD loan in two instalments as the work progresses, and only once it holds the title deed and a first-degree mortgage certificate^[1]. You cannot repay early before 7 years. Because the bank takes the deed and a mortgage, the loan suits owners of registered property. BDH's pages do not mention tenants, so ask BDH if you rent.

The LBP loan lends up to LBP 2 billion over 7 to 10 years, with a 3-month grace period, at 7% a year subject to amendment (APR 7.97%)^[2,7]. It is for families with net monthly income of LBP 50 million to 200 million, and for a main residence of up to 150 m². The home may belong to you, your spouse or a child who lives with you. Your total obligations may not pass 35% of net income, and the instalment may not pass 25%. You pay life insurance monthly in LBP and home insurance yearly in fresh dollars.

A small system may cost less than the loan's floor. Al Jazeera reported one household that spent about USD 3,000 (6 panels, one household)^[8], and said such a system may not replace EDL and generator power. That is well below the USD loan's USD 20,000 minimum, so the USD loan makes most sense when solar is part of wider works. See what a solar system costs for an apartment.

The approvals solar adds#

When a renovation loan includes solar, BDH asks for approval from the Ministry of Interior and Municipalities and the written approval of 75% of the building's co-owners' committee^[1,2,3]. For a construction loan with solar, 75% of the property's shareholders must approve. BDH's pages tie the 75% rule to the solar option, while earlier summaries described it as a general condition. Ask BDH which reading it applies to your file.

The top roof of a building is a common part under the co-ownership decree^[9,10]. The decree also lets the owners' association install useful equipment by at least 75% of owners' votes. No source applies that rule to solar panels, so it is our reading and a lawyer should confirm it. More in getting the other owners to agree to solar on a shared roof.

BDH's pages do not say what form the Ministry of Interior and Municipalities approval takes. The joint decision that set a solar procedure was dropped, and no procedures from the electricity regulator had been seen as of mid-October 2026^[4,5,6]. Ask BDH which document it accepts, and ask your municipality what it issues. See whether you need a permit for solar panels.

Commercial banks and other schemes#

As of October 2026 we found no commercial bank loan and no donor or government scheme for household solar. That does not prove none exists. Ask your own bank directly whether it lends for solar, in which currency, and against what security. For the wider lending picture, see whether commercial banks give mortgages in 2026.

Check the roof before you borrow. According to the head of the Lebanese Real Estate Authority, speaking in September 2026, a roof's structural capacity and fixing method should be checked first, especially in old or damaged buildings^[4,6]. Once you have panels, the Ministry of Energy and Water says generator owners may not charge you extra fees for also using solar^[11].