Is the BDH housing loan interest rate 5.75% or 6% now?
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Short answer
BDH charges 5.75% a year (APR 6.33%)[1,2,3] on its purchase loan, as of October 2026. It cut the rate from 6% on 1 July 2026, and its page says the rate is subject to amendment. The older 6% figure comes from the February 2026 Key Fact Statement[4]. No published document says whether 5.75% is fixed for any period.
Also asked as: “What is the BDH housing loan interest rate now?” · “Is the BDH loan rate fixed?” · “Banque de l'Habitat interest rate 2026” · “Did BDH cut its rate to 5.75%?”
Key facts
Why you see both 5.75% and 6%
BDH cut its purchase-loan rate from 6% to 5.75% on 1 July 2026. EnterpriseAM reported the cut on 7 September 2026 and An-Nahar on 23 September 2026[1,2,3]. According to An-Nahar, the cut applies to loans funded by the Arab Fund for Economic and Social Development, after Banque du Liban waived a 0.25% commission.
The 6% figure was correct for its date. It comes from BDH's USD purchase-loan Key Fact Statement of February 2026, which gives 6% and an APR of 6.60%[4]. That document predates the cut, so articles, brokers' posts and calculators written before July 2026 may still quote 6%.
Is the rate fixed?
At 6%, the February 2026 Key Fact Statement fixed the rate for the first year only and allowed it to change after that[4]. For 5.75%, the purchase page says only "subject to amendment"[1,2,3]. We found no BDH document dated after 1 July 2026 that says whether the new rate is also fixed for the first year. Ask BDH for the current Key Fact Statement before you sign, and read the clause on rate changes.
That clause can move your instalment. In BDH's own example, a 1-point rise takes the instalment on USD 100,000 over 20 years from USD 724 to USD 785 a month[4].
What the rate does not include
The APR of 6.33% leaves out the notary fees, the registration fees and the fire insurance premium, and it assumes a 34-year-old borrower[1,2,3]. At signing you also take a life insurance policy paid monthly and a home insurance policy paid yearly, both in fresh US dollars from insurers BDH accredits[1,4]. Mortgages registered for BDH are exempt from the mortgage filing and release fees, though the purchase registration fee, notary and stamp charges still apply.
BDH's only published worked example is at 6%: price USD 125,000, loan USD 100,000 over 20 years, USD 724 a month plus a USD 6 management fee and USD 13 life insurance[4]. BDH has not published an example at 5.75%, so ask BDH for the figure on your own amount and term. Our page on the monthly payment on a USD 100,000 BDH loan goes further.
Each BDH loan has its own rate and APR:
| Loan | Rate | APR | Amount |
|---|---|---|---|
| Purchase | 5.75%, subject to amendment[1,2,3] | 6.33% | up to USD 100,000 (minimum USD 20,000)[1,4] |
| Construction | 5.75%, subject to amendment[6] | 6.36% | up to USD 100,000 over 7 to 18 years[6] |
| Renovation in USD | 5.75%, subject to amendment[7] | 6.75% | up to USD 50,000 over 7 to 10 years[7] |
| Renovation in LBP | 7%, subject to amendment[8,9] | 7.97% | up to LBP 2 billion over 7 to 10 years[8,9] |
How it compares with other loans
As of September 2026, the PCH director and the Social Affairs Minister had asked for USD 100 million in the draft 2027 budget to finance PCH loans at 3.5%[2]. That would be 2.25 points below BDH's 5.75%, but it is only a request in a draft budget. The draft went to the Cabinet on 31 August 2026, and as of September 2026 it still needed Cabinet review and Parliament's vote. Our pages on PCH and BDH loans and on whether to wait for a PCH loan set out the trade-off.
As of autumn 2026, the press reports that Lebanese commercial banks are still not writing home mortgages[2,10].
How to confirm the rate you will actually pay
- Check that you qualify first. BDH is open to residents and expatriates, so you can apply from abroad[1,4,5]. You need Lebanese citizenship held for at least 10 years[1,4], and for the USD 100,000 loan an income of USD 2,500 to 5,000 a month (family net income). The full list is in BDH loan conditions.
- Ask BDH for the current Key Fact Statement. Check the rate, the APR, and whether the rate is fixed for a first period or can change at any time. Keep a copy.
- Compare the contract with the Key Fact Statement before you sign. If the rate or the change clause differs, ask BDH in writing which one applies.
It depends on
Common questions
Is the BDH interest rate fixed for the whole loan?
How much is the monthly payment on a USD 100,000 BDH loan?
BDH's own example, at 6% over 20 years, gives USD 724 a month (USD 785 if the rate rises 1 point)[4], plus a USD 6 management fee and USD 13 life insurance. BDH has not published an example at 5.75%.
Can a foreigner get a BDH loan at 5.75%?
Is a PCH loan at 3.5% available instead?
Not as of September 2026, the latest status we found. A 3.5% rate was requested in the draft 2027 budget[2], and as of September 2026 that budget still needed Cabinet review and Parliament's vote.
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.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
- 3.The rebound is real but housing finance is still short in Beirut
An-Nahar · 23 Sept 2026 · read 17 Oct 2026
- 4.BDH USD Purchase Loan Key Fact Statement (BDH - CPU - KFS - Feb 26)
Banque de l'Habitat (BDH) · February 2026 · read 17 Oct 2026
- 5.Housing Loan Limit Raised to $100K, Here Are the New Requirements
Beirut.com · 25 Jun 2025 · read 17 Oct 2026
- 6.Banque de l'Habitat - Construction loan details
Banque de l'Habitat S.A.L. (BDH) · undated · read 17 Oct 2026
- 7.Banque de l'Habitat - Renovation Loan (USD) details
Banque de l'Habitat S.A.L. · undated · read 17 Oct 2026
- 8.Banque de l'Habitat - Renovation Loan in LBP: loan details
Banque de l'Habitat (BDH) · undated · read 17 Oct 2026
- 9.LBP 300 billion of renovation loans from the Housing Bank
An-Nahar · 22 Aug 2025 · read 17 Oct 2026
- 10.Real estate in Lebanon: sales dive, prices resist… the paradox of a market that has become inaccessible
Libnanews · 1 Oct 2026 · read 17 Oct 2026
- 11.Banque de l'Habitat - What's new
Banque de l'Habitat (BDH) · 11 Aug 2025 · 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 much is the monthly payment on a USD 100,000 BDH loan?BDH's own example: USD 724 a month for USD 100,000 over 20 years at 6%, plus fees. What changes at 5.75%, the income rule and the extra costs.
- 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.
- Should I wait for a 3.5% PCH loan or take the BDH loan now?It depends: the 3.5% PCH loan is only a draft-budget request with no start date; BDH lends now at 5.75%. Rates, lock-ins and unknowns.
- What is the difference between PCH and BDH housing loans?PCH, a state body that subsidised bank loans, is not lending; BDH, a bank, is. Owners, rates, loan sizes and who can apply, as of October 2026.
- What income do I need for a BDH loan, and what if I earn less than USD 2,500?BDH asks for USD 2,500 to 5,000 a month in family net income for its USD 100,000 loan. What lower earners can do, debt limits and proof of income.
- Do I repay a BDH loan in fresh dollars, and can I pay from abroad?Yes: BDH asks for payment in fresh US dollars in cash, insurance included. Whether you can pay from a bank abroad is not published; what to ask BDH.
- 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.
