Can I get a BDH loan to renovate or build, and what are the limits?

Also asked as: “Does BDH lend for renovation or building a house?” · “BDH construction loan to build on my land” · “BDH renovation loan in Lebanese pounds” · “Housing bank loan to renovate my apartment”

Renovating: two loans with different income rules#

The USD renovation 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%). Those are the terms shown on BDH's undated loan page when we checked it in October 2026^[1]. It is for families with net monthly income of at most USD 2,000, and you must own at least 1,800 of the 2,400 shares of the home, which is three quarters of it. The loan may also cover a solar system and a waste-water treatment station.

The purchase loan works the other way round: it needs family income of USD 2,500 to 5,000 a month for the USD 100,000 loan^[5,6,8]. More on that in what income BDH asks for.

The LBP renovation loan goes 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%), as shown on BDH's undated page in October 2026. It is for families earning LBP 50 million to 200 million net a month, for a main home of up to 150 m²^[2,3]. The home may belong to you, your spouse or a child living with you. All your obligations together may not pass 35% of net income, and the instalment may not pass 25%. Life insurance is paid monthly in LBP and home insurance yearly in fresh US dollars.

BDH launched the LBP loan in August 2025. Banque du Liban released LBP 300 billion from BDH's account on 20 August 2025, and applications opened at all BDH branches on 25 August 2025^[3,7]. No source says whether funds remain in late 2026, so ask BDH directly before you plan around it.

Building a home on your own land#

The construction loan runs from USD 20,000 to USD 100,000 and may not exceed 80% of the bank's guarantee. It lasts 7 to 18 years, with a grace period of up to 24 months, at 5.75% a year subject to amendment (APR 6.36%), as shown on BDH's undated page in October 2026^[4]. It follows the purchase loan's citizenship and income rules. BDH publishes no income tiers for loans below USD 100,000, so ask the bank what amount your income supports^[5,6,8].

You must already own the land and hold a building permit. The loan finances 150 m², which must be ready to live in when the last withdrawal is made^[4]. BDH pays you in stages as the building rises, and only after it holds the title deed and a first-degree mortgage certificate. So the land has to be in your name on paper before any money comes. If you have not started on the permit, read how to get a building permit first.

A home financed by BDH may be used only as the family's home. Breaking this ends the contract and makes the whole loan due at once^[5,6].

Solar, shared roofs and war damage#

If a renovation loan includes solar, you need approval from the Ministry of Interior and Municipalities and the written approval of 75% of the building's co-owners' committee. For a construction loan with solar, 75% of the property's shareholders must approve^[1,2,4]. The number of co-owners in your building decides how many signatures you need, so start collecting them early. BDH's own pages tie the 75% rule to the solar option, though earlier summaries described it as a general condition. Ask BDH whether it applies to a renovation without solar. See also solar panels on a shared roof.

A waste-water station needs an excavation permit from the authorities^[1,2,4].

As of September 2026, BDH was negotiating a separate Qatari USD 100 million facility for war-damaged homes. These were negotiations only, and no terms or dates were published^[9]. Until terms appear, the three loans above are the ones on offer.