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Loan calculator Qatar: personal loan, car loan and home finance

Updated

Loan calculator Qatar: what a loan costs at QCB's cap

QCB caps a loan against salary at its lending rate + 1.5% — 6.10% today — so QAR 100,000 over 48 months costs at most QAR 2,353.09 a month, the EMI (equated monthly instalment). The instalment is worked out on the reducing balance as P × r × (1 + r)n ÷ ((1 + r)n − 1); pick personal loan, car loan or mortgage below.

Official rule: Highest rate on a loan against salary: the QCB lending rate + 1.5% a year, on the reducing balance. (source, checked 2026-10-10)

Loan
QCB's cap on a loan against salary: 6.10% a year — enter your offer's rate.
Monthly instalment (EMI)QAR 2,353.09
Total interest (or profit)QAR 12,948.34

You repay QAR 112,948.34 in all.

Fees, the regulator's limits and the month-by-month schedule: personal loan calculator Qatar.

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.

Personal loan, car loan and home finance maths for Qatar — calculated in your browser, with the Qatar Central Bank rules shown and dated. No sign-up, no phone calls, no "an advisor will contact you".

Buying a home in Qatar?The registration fee is only 0.25% — the down payment is the big number.How much a bank may finance for a Qatari, a resident or a non-resident, the Ministry of Justice fees, the mortgage registration, and the QAR 730,000 line for residency through property. Official rules from QCB and the Ministry of Justice; the rest are estimates you can change.See your total →
Personal loan: calculatorInstalment (EMI), interest, the real yearly rate — and the QCB caps on rate, amount, term and salary.EMI & interest calculatorWhat an EMI is, the formula and a worked example in QAR — and the interest your savings earn, simple or compound.Credit card: the minimum payment trapHow long paying only the minimum takes, what it costs, and the 1%-a-month cap.Credit card: how much limit can I get?QCB's cap of 2× your net total salary, and what the 50% / 75% salary limits leave room for.Car loan: calculatorInstalment, real yearly rate, the 80% limit for residents and the running costs.Car: zero down paymentWhat nothing down really costs — and why residents can't get it from a bank against salary.Car: 0% finance or cash discount?The interest hidden in the cash discount you give up for 0% car finance.Home: monthly home finance paymentYour instalment, how much a bank may finance (80 / 75 / 70%), the longest term and the salary limit.Buy to let: rental yield and ROIGross yield, net yield, return on your own cash and profit if you sell.Home: rent or buy?Your rent against buying, with every cost and your own guesses side by side.Any loan: paying off earlyWhat you settle with, the interest you save, and the two QCB fee rules.Any loan: how much can I borrow?Your maximum personal, car or home finance under the QCB limits for citizens and residents.

Guides

Loan limits: citizens vs residentsHow much, how long and how much of your salary — QCB's limits for Qataris and residents.Loan fees QCB allowsWhat a bank may charge on a loan in Qatar — and the rule that says nothing but interest.Qatar home finance rulesHow much may be financed, for how long, and how much of your salary.Foreign buyers in QatarWhere non-Qataris may buy, residency through property, and what it costs.QCB rates explainedThe deposit, lending and repo rates — and how the lending rate caps your loan.

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