When does BDH pay the seller, and can the loan buy an off-plan flat or one without a title deed?
On this page
Short answer
BDH pays the seller, and only after the sale is registered in your name and the bank holds the new title deed and a first-degree mortgage certificate[1,2]. Because a registered title comes first, an off-plan flat or a home without its own title deed does not appear to qualify, though BDH does not say so outright.
Also asked as: “How does BDH pay the seller?” · “Can I use a BDH loan for an apartment under construction?” · “Does BDH finance a flat without a title deed?” · “BDH loan for an off-plan apartment”
Key facts
How BDH pays the seller
In Lebanon a sale is signed as a notarial deed and then inscribed at the Land Registry, and ownership passes only on inscription[4]. BDH waits for that. It releases the loan to the seller once ownership is legally in your name and it holds the original new title deed and the first-degree mortgage certificate[1,2]. The money goes to the seller, not to you.
BDH's February 2026 Key Fact Statement appears to say that the payment is a wire from a bank outside Lebanon to the seller's fresh-dollar account, inside or outside Lebanon. We could not match that passage word for word[1,2]. BDH's purchase page says the loan is paid only in cash in fresh US dollars[1,2,3]. The two documents read differently, so ask BDH exactly how it will pay your seller, and tell the seller before you sign.
The gap before the seller is paid
The seller has to sign the deed and let the sale be registered before receiving the loan amount. Your own share is at least 20% of the home's value as set by BDH's technical valuation, not the agreed price. If the bank values the home below the price, you pay the difference in cash[1,2]. BDH does not publish when the down payment is due compared with registration and its own payment. Agree that timing in writing with the seller and check it with BDH.
No source says how buyers and sellers usually secure the period in between[1,2]. Ask BDH what it expects, and have a lawyer draft the terms.
Be careful with money you pay before registration. Until the sale is registered you have only a personal claim against the seller, not ownership[4,5]. See what an unregistered contract gives you. A promise of sale can be provisionally inscribed on the property's folio, which keeps your rank against a later sale or mortgage. Without that inscription it cannot be relied on against third parties acting in good faith[4,6]. More on this in a promise of sale for a unit not yet built.
Off-plan flats and homes without a title deed
BDH does not say in so many words that it refuses off-plan flats. Its payment rule needs a registered title in your name and a new title deed in the bank's hands[1,2]. A flat that is not built, or not yet registered as its own unit, does not appear able to meet that rule. Ask BDH directly before you pay any deposit. Here is how an off-plan flat gets registered after completion.
BDH's construction loan is a separate product. You must own the land and hold a building permit, and the loan is paid to you in stages as building progresses, once the bank holds the title deed and a first-degree mortgage certificate[7]. Because it requires you to own the land, it does not appear to suit buying a flat from a developer.
Age alone does not rule out an older flat. BDH publishes no maximum building age or price, although its valuation may still come in lower[1,2]. See using a BDH loan for an old apartment.
From application to payment
- Check the flat's title yourself. Get a recent Land Registry extract (ifadeh aqariyeh). It shows the owner, mortgages and restrictions[4,8]. Ask the seller in writing for the plot number, the real estate district and, for a flat, the section number, and check that the extract shows the same ones in the seller's name. Here is how to check a title deed.
- Agree the payment terms with the seller. Put in writing when the seller is paid, by whom, into which account, and when your own share is due. Have a lawyer read it before the notarial deed.
- Sign at the notary and register. The sale is inscribed at the Land Registry[4], together with BDH's mortgage, which carries no mortgage filing or release fee[1,2]. The purchase registration fee, notary and stamp charges still apply. The registration fee is 3% of the value for Lebanese buyers, 5% for non-Lebanese[10].
It depends on
- Whether you live abroad. BDH is open to residents and expatriates[1,2,3]. If you cannot be in Lebanon to sign, read about giving a power of attorney from abroad and ask BDH what it requires from an agent.
Common questions
Can BDH pay the seller a deposit before the sale is registered?
Can I use a BDH loan to buy an apartment under construction?
Sources
Checked against these sources. The numbers in the text point here.
- 1.Banque de l'Habitat - Purchase loan details
Banque de l'Habitat S.A.L. (BDH) · undated · read 17 Oct 2026
- 2.BDH USD Purchase Loan Key Fact Statement (BDH - CPU - KFS - Feb 26)
Banque de l'Habitat (BDH) · February 2026 · read 17 Oct 2026
- 3.Housing Loan Limit Raised to $100K, Here Are the New Requirements
Beirut.com · 25 Jun 2025 · read 17 Oct 2026
- 4.How to Buy Property in Lebanon: The Legal Steps from Verification to Inscription
Kallas Law Firm · 9 Jun 2026 · read 16 Oct 2026
- 5.Legislative and Administrative Land and Property Rights Framework. Lebanon
GLTN / UN-Habitat · May 2024 · read 16 Oct 2026
- 6.The Promise of Sale, the Right of Pre-emption, and Acquisitive Prescription in Lebanese Real-Property Law (Part Five of the Practical Guide to the Code of Real Property)
Kallas Law Firm · 25 May 2026 · read 17 Oct 2026
- 7.Banque de l'Habitat - Construction loan details
Banque de l'Habitat S.A.L. (BDH) · undated · read 17 Oct 2026
- 8.The Land Registry in Lebanese Law — Part Six of the Practical Guide to the Code of Real Property
Kallas Law Firm · 25 May 2026 · read 16 Oct 2026
- 9.Banque de l'Habitat - What's new
Banque de l'Habitat (BDH) · 11 Aug 2025 · read 17 Oct 2026
- 10.قانون الموازنة العامة لعام 2022 (القانون 10/2022) المنشور في الجريدة الرسمية
Lebanese Ministry of Finance · 15 Nov 2022 · read 17 Oct 2026
Related questions
- What are the conditions for a Banque de l'Habitat housing loan in 2026?Lebanese citizens of 10+ years, clean record, family home up to 150 m², 20% down: BDH's 2026 loan conditions on income, age, rate and repayment.
- How do I apply for a BDH loan, step by step, and which documents do I need?Apply directly to BDH on its online platform with proof of income and property papers; no brokers. The steps, the documents and what is not published.
- I bought with a sale contract but nothing is registered. Am I the owner?No. Until the sale is inscribed at the Land Registry you hold only a claim against the seller. The risks, time limits, fees and how to register.
- How do I get my off-plan apartment registered in my name once the building is finished?The building's owner gets a final occupancy permit, divides the building into units at the Land Registry, then your sale is registered. Steps, fees, checks.
- Can I use a BDH loan to buy an old apartment, or only a new one?Yes, as far as BDH publishes: no maximum building age or price. The real limits are 150 m², USD 100,000 and 80% of the bank's valuation. What to check.
- How do I check a title deed in Lebanon before buying?Get your own official Land Registry extract and read it before you pay. Where to get it, the cost, red-flag entries and what it does not show.
- Is a promise of sale enough to protect me when I buy an apartment that is not built yet?Not on its own. A promise binds others only if inscribed at the Land Registry, and an unbuilt flat has no folio yet. Risks, limits and checks.
- How much is the property registration fee in Lebanon?3% of the value for Lebanese buyers, 5% for foreigners; for built property, the estimated value or the price if higher. Other charges and the 2% advance.



