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Loan calculator Oman › Costs of buying a home in Oman

Estimate only — not financial advice. Only your lender's offer is binding.

Costs of buying a home in Oman

Updated

Example (our example price, not a rule): buying a OMR 120,000 home in Oman with a housing loan and the minimum 10% down needs about OMR 16,157.000 in cash on the day — the down payment of OMR 12,000 plus OMR 4,157.000 in official fees (3.46% of the price): the 3% sale registration fee (OMR 3,600.000) if you pay it, OMR 540.000 to register the mortgage (0.5% of the OMR 108,000 loan), and OMR 17 in fixed sale-registration fees (request submission OMR 5, contract OMR 2, title deed OMR 10). A broker's commission and bank fees have no official number, so enter what you are quoted. Paying all cash, the same home costs OMR 123,617.000.

This page: the money you pay once, when you buy a home in Oman. The down payment, the Ministry of Housing and Urban Planning fees (sale registration, mortgage registration, request, contract and title deed fees) and the broker and bank fees you are quoted. For the monthly instalment and the debt-burden limit, use the housing loan calculator.
An example price — enter yours.
How you pay for the home
At least 10% (OMR 12,000): CBO lets a bank lend at most 90% of the value. Land you own and a government housing subsidy count as down payment.
You are
Non-Omani buyers pay an extra OMR 25 property-ownership application form. Where they may buy: see who may buy property below.
Costs that depend on your deal
Who pays the 3% sale registration fee in your deal?
The regulation does not say who pays — agree it in the sale contract.
Costs with no official number — your estimates
No official rate or cap was found. Enter what you are quoted; empty = ignored and said so in the result and the PDF.
CBO caps the processing fee on a housing loan at OMR 50 (none for pensioners with a net pension under OMR 1,000). Add a valuation or other charges your bank quotes; empty = ignored.
For example home insurance, a survey or moving costs. No official number.
Your cash on the dayOMR 16,157.000
Fees and costs on topOMR 4,157.0003.46% of the price

    Monthly instalment and debt-burden limit for this loan →

    Not a valid document. Estimate for information only — not financial advice, not an offer of credit and not a bank document. Errors are possible. Only your bank's or finance company's official offer letter, contract and statements are binding.

    The costs on the day

    • Down payment: at least 10%. CBO lets a bank lend at most 90% of the property value for a housing loan. Land you own and a government housing subsidy count as down payment; registration and insurance costs may be included in the value.
    • Sale registration fee: 3% of the property value, charged by the Ministry of Housing and Urban Planning to register a sale (or gift) to a third party. The regulation does not say who pays, so the calculator lets you choose.
    • Mortgage registration: 0.5% of the mortgage value, if you buy with a housing loan (the rule also sets a maximum fee — see the rules box).
    • Fixed sale-registration fees: request submission OMR 5, contract OMR 2 and title deed OMR 10. Non-Omani buyers also pay a OMR 25 property-ownership application form.
    • State housing aid: beneficiaries of the state housing-assistance programme are exempt once from the title-deed, sale and mortgage fees.
    • VAT: Oman's basic VAT rate is 5%, but the resale of residential property, rental for residential purposes and bare land are exempt, on conditions set by the VAT regulations (commercial property is not exempt). For the first sale of a new home the VAT law text we read does not say — ask the seller whether the price includes VAT. The calculator adds no VAT.

    These fees come from Ministerial Decision 570/2025 (the Ministry's regulation of values, fees and prices). Ministerial Decision 36/2026 amended other items of the fee regulation (transfers into the owner's own company, housing-assistance exemptions); the 3% and 0.5% fees are unchanged.

    What has no official number

    We found no official broker's commission and no official cap on it. For bank fees CBO caps only the processing fee on a housing loan (OMR 50); a valuation or insurance is priced by your bank or insurer. So the calculator starts these fields empty, ignores them while they are empty and says so in the result and the PDF.

    After the purchase

    With a housing loan, CBO's debt-burden limit applies: all your monthly payments may be at most 60% of a net monthly salary up to OMR 3,500 (pensioners: 40% of a net pension up to that amount). The housing loan calculator checks it, with the 6% rate ceiling and the 25-year term.

    Who may buy property in Oman

    • Omani citizens buy and register with the Ministry of Housing and Urban Planning.
    • Citizens of the other GCC states may buy, but not agricultural land and not in the areas listed for strategic or security reasons — the Ministry's service page names them (see the rules box).
    • Foreign nationals may buy land only within Integrated Tourism Complexes (ITCs).
    • Non-Omani buyers pay an extra OMR 25 property-ownership application form when the sale is registered. Check with the Ministry of Housing and Urban Planning before you pay a deposit.
    Comparing property?See where in Europe a home can come with a residence permit — from about €300,000 to €400,000 depending on the country, or €250,000 in one special case.

    Questions people ask

    How much is the property registration fee in Oman?

    Oman's Ministry of Housing and Urban Planning charges 3% of the property value to register a sale to a third party. The regulation does not say whether the buyer or the seller pays, so agree it in the sale contract.

    What does it cost to register a mortgage in Oman?

    In Oman, 0.5% of the mortgage value. Registering the sale also costs fixed fees: OMR 5 for the request, OMR 2 for the contract and OMR 10 for the title deed.

    How much down payment do I need for a home in Oman?

    At least 10%: CBO lets a bank lend at most 90% of the property value. Land you own and a government housing subsidy count as down payment.

    Is there VAT on buying a home in Oman?

    The resale of residential property is exempt from VAT, as are residential rent and bare land, in Oman. For the first sale of a new home the VAT law text we read does not say — ask the seller whether the price includes VAT.

    Do non-Omanis pay extra fees?

    A non-Omani buyer pays a OMR 25 property-ownership application form on top. GCC nationals may buy, but not agricultural land and not in the areas listed for strategic or security reasons; other foreign nationals may buy land only within Integrated Tourism Complexes.