| Service Description |
| This service allows citizens to obtain loans for expanding and restoring a government house with a maximum amount of (25,000) KD |
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| Eligibility or Criteria |
| Government houses are houses the government allocated to the citizens with or without title documents. Loans for expanding and restoring government houses are obtained according to the following criteria: |
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| The paterfamilias must have the Kuwaiti nationality and number of family members must not be less than two (2) Kuwaitis |
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| The government house must have been constructed (10) years ago
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| Document of title of the house is issued provided that it is mortgageable. Houses may receive the loan under the government guarantee, if their title documents are not issued after the elapse of the period. The loan approval is given after inspecting the reasons for non-issuance as stated in the allocation letter from the Public Authority for Housing Welfare, and meeting the following terms:
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| Allocation must be permanent |
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| The applicant must be capable of paying the installments due |
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| The state of the house must require urgent restoration works
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| The house must not be rented partially or as a whole |
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| The applicant, paterfamilias, must not have appraised or sold a real estate for more than (70,000) KD. The paterfamilias may be considered for receiving the loan, if the realization of the real estate was made (5) years ago or more. If the paterfamilias owns (50%) of another real estate, he may be considered for receiving the loan with the possibility of putting this real estate on mortgage. In application of this term, the real estate is considered owned by the paterfamilias, if it was transmitted either directly or indirectly to his wife or one of his dependant children
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The applicant must not have obtained the maximum amount for the government house loan. The following applicants can obtain government house loans with a maximum amount of (25.000) KD:
Applicants who obtained total sum of loans less than the maximum amount may be considered for receiving a loan amount equals the difference between the maximum amount and the sum of loans obtained
Applicants who sold a government house and have never obtained the loan
Applicants who sold a government house may be considered for receiving a loan amount equals the paid sum with a maximum amount of (25.000) KD, provided that the house selling price added to the desired loan does not exceed (140.000) KD
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| The loan stated in the fifth term is received for the purposes of expansion and restoration, or for continuation of construction works and purchase |
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Exchange of government houses may occur according to the following criteria:
- Approval of the Public Authority for Housing Welfare must be obtained
- Installments due must be paid before the exchange
- The applicant (borrower) must undertake the payment of debts on the exchanged house, provided that he is committed to the defined maximum limit
- The applicant (borrower) signs Contract of Indebtedness, pursuant to the applicable installment list
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Concerning real estate loans for government houses that do not accept a second floor, Kuwaiti families who meet the following terms benefit from the resolution of the cabinet on these houses:
- Number of family members must not be less than (5) members living in the allocated house
- The paterfamilias must have the Kuwaiti nationality
- Allocation from the government must be permanent
- The real estate must be under the government guarantee, if its title document is not issued
- The applicant must be capable of paying the installments due
- The family must not have been obtained more than one government house or must not be owning another house
- The family must not have rented the allocated government house partially or as a whole
- The family must not have got a real estate appraisal or sold another real estate for (70.000) KD
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In case the above mentioned terms are met, the loan is obtained according to the following cases:
If the area of the main building plus annexes is less than (360) square meters, the owner receives a loan for building an annex of one or two floors, provided that no already constructed buildings are to be demolished. The total area of buildings should not exceed (360) square meters
If the area of the main building plus annexes is less than (360) square meters and the annexes accept a second floor, the owner receives a loan for building a second floor for the annexes, provided that the total area of buildings should not exceed (360) square meters
If the area of the parcel on which the house is built does not accept adding new buildings and the annexes do not accept a second floor, the owner receives a loan for demolishing the already constructed annexes and reconstructing them with two floors. The total area of buildings should not exceed (360) square meters, provided that no already constructed buildings are demolished till the required documents are fulfilled
The amount of the loan is calculated by multiplying the required area by the expansion cost of the square meter
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In any of the above mentioned cases, the total amount of previous and current loans must not exceed (45.000) KD
Note: The divorcee or the widow who applies for a real estate loan must have a son who reached (21) years old or older, or a daughter who reached (30) years old or older |
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| Required Documents |
| Copy of the nationality certificate and the civil ID, for the husband, wife and children |
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| Copy of the marriage contract, provided that the marriage contract has been issued at least (2) years earlier or the family has a child If the wife does not have a Kuwaiti nationality and the family has no children, the marriage period must cover (4) years at least
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| A marriage continuity letter from the Palace of Justice, if the family has no children
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| Certificate from the Real Estate Registration and Authentication Department in the Ministry of Justice in the name of the husband, his wife and children stating: the current and previous relations, and the realization method of the real estate, if sold. Copies of the mortgaged title documents and lists stated in the certificate
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| Appraisal certificate from the Expropriation Department in Kuwait Municipality in the name of the husband, wife and children including their shares in the appraisal (If any) |
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| Detailed salary certificate from the applicant's employer, for employees in the government sector
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| Detailed salary certificate from the Public Institution for Social Security stating the starting date of contribution and income amount and Certificate from Civil Service Commission stating whether they received the social allowance or not, for employees in the civil sector
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| Approval letter from the applicant's employer on transmission of the monthly installments and leaving indemnity, provided that the capital of the company is not less than (500.000) KD, for employees in the civil sector
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If these terms are not met, a sponsor working in the government sector must attend the procedures, and the following documents must be submitted:
Copy of the civil ID
Written letter to the Bank on the sponsorship
Copy of the nationality certificate
Salary certificate from the applicant's employer, provided that each installment is not less than (15%) of the applicant's, borrower's, total salary
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| Original civil ID for the father of the husband and a copy, if he is alive
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| Copy of determination of heirs and a certificate from Real Estate Registration and Authentication Department in the Ministry of Justice, if the father is deceased
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| Letter from the Public Authority for Housing Welfare on applicant's exclusion from his father's house, in case the house document of title of the deceased father was not issued |
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| Copy of the judgment for changing the name, the marriage contract, and all the required certificates in the old and new names, if the forename or surname was changed
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| Marital status document from Ministry of Justice in the Government Mall and the civil ID for the father, if he is alive. Determination of heirs and a certificate from the Ministry of Justice in the name of the father, if he is deceased. For divorcees and widows
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| Copy of document of title for the government house or letter from the Public Authority for Housing Welfare, if the document of title for the government house was not issued stating the reasons
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Copy of the plan for the required expansion and the construction license.
Note: All documents expire after six months, unless shorter expiration periods are stated in the document
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| Real Estate Loans for the Disabled |
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| Certificate from the Real Estate Registration and Authentication Department in the Ministry of Justice in the name of the husband, wife and children, stating the current and previous relations, and the realization method of the real estates, if sold Copies of the mortgaged title documents and lists stated in the certificate
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| Detailed salary certificate from the applicant's employer |
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| Appraisal certificate from the Expropriation Department in Kuwait Municipality in the name of the husband, wife and children including their shares in the appraisal (If any) |
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| Letter from the medical committee attached with the form of the Medical Committee Report from the Supreme Council for the Disabled |
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| The judgment for changing the name, and all the certificates in the old and new names, if the forename or surname was changed
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| Copy of the nationality certificates and civil IDs of the husband, wife and children |
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| Marital status document from Riggai Court Complex, if the applicant is a divorcee
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| Original civil ID for the father of the husband and a copy, if he is alive
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| Copy of determination of heirs and a certificate from Real Estate Registration and Authentication Department in the Ministry of Justice, if the father is deceased
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| Procedures |
Visit one of the Saving and Credit Bank branches and submit the required documents |
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Fill the service application forms |
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| Fees |
| (0) KD |
Variable fees |
| (0) KD |
Fixed Fees |
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| Downloadable Forms |
Declaration Form on the Validity of Data and Documents
Unattached
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Debt Declaration Form
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Real Estate Loan Application Form
Unattached
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