What is the PCH rent-to-own scheme and how do I apply?

Also asked as: “How does the PCH rent-to-own programme work in Lebanon?” · “Is the PCH rent-to-own scheme open in 2026?” · “Can I rent a home from PCH and buy it later?” · “Who qualifies for PCH rent-to-own?”

What we could and could not confirm#

We have seen an unverified report that PCH plans to relaunch a rent-to-own scheme, but no official page confirms it. So we cannot tell you who is eligible or what the homes would cost. We also cannot say how much of your rent would count toward the price, how long the rental period would last, or where to apply.

Until PCH publishes rules, PCH itself is the only reliable source. Ask for the answers in writing and keep them.

What PCH is and where its loans stand#

The Public Corporation for Housing (PCH) is fully state-run. It does not lend money itself. It subsidises loans that commercial banks write. Banque de l'Habitat (BDH) is a separate bank, 80% owned by private banks and insurers and 20% by the state^[1]. People often mix the two up. The difference between PCH and BDH loans has its own page.

PCH has not taken new loan applications for years, though the sources disagree on when it stopped. EnterpriseAM puts it in 2019, when the crisis ended the Banque du Liban credit line that funded PCH loans^[1]. LCPS dates the end of subsidised housing loans to 2018^[2].

EnterpriseAM, citing a PCH official, reports that as of September 2026 PCH's director and the Social Affairs Minister had asked for USD 100 million in the draft 2027 budget to fund loans at 3.5%^[1]. A lower figure appears in other reports, but we could not verify it. Either way, this is a request in a draft budget. The Finance Minister sent the draft to the Cabinet on 31 August 2026. As of early September 2026 it still needed Cabinet review and then a vote in Parliament. We could not confirm its status at 17 October 2026, and no source says what happens to the PCH plan if the budget does not pass. For more, see when PCH loans might restart.

If you need a home now#

BDH publishes its loan terms as of October 2026: up to USD 100,000 (minimum USD 20,000)^[3,4] at 5.75% a year (APR 6.33%)^[1,3,5]. The loan is open to residents and expatriates. For the USD 100,000 loan, your family's net monthly income must be USD 2,500 to 5,000 a month (family net income)^[3,4,6]. You must have held Lebanese citizenship for at least 10 years, and you may use the home only as your family's home.

BDH says it serves customers directly and does not work through brokers^[3,7]. Anyone charging you a fee to "get" a BDH loan is not acting for the bank. Read the conditions for a BDH loan and whether to wait for PCH or take BDH now.