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Jordan 💰 JOD Last updated2026-05-28 Home loan Calculator
Jordan
A JD 120,000 home loan at 7.5% over a 25-year term works out to a monthly payment of about JOD 887, with total interest of JOD 146,037 over the full term.
Mortgage Calculator
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Local context Home loans in Jordan
Market overview
Jordanian mortgages are led by Housing Bank for Trade and Finance (the specialist mortgage bank), Arab Bank (the country's largest by assets), Bank of Jordan, Jordan Kuwait Bank, Cairo Amman Bank, Capital Bank of Jordan and Jordan Islamic Bank (Murabaha-based home finance). The Jordanian dinar is pegged to the USD at 0.709 JOD/USD, and the Central Bank of Jordan (CBJ) tracks the Federal Reserve closely — the CBJ rediscount rate sits at 6.25% in early 2026 after Fed cuts. The Jordan Mortgage Refinance Company (JMRC), established 1996 with IFC support, provides long-term wholesale refinancing to participating banks, supporting 20-30 year tenors.
Why 7.5% is the typical rate
7.5% reflects a typical JOD floating mortgage for a salaried Jordanian borrower at 80% LTV in early 2026, anchored on the CBJ rate plus a 1-2% spread.
Tax & regulatory notes
Land registration fees and transfer taxes total approximately 9% of declared value (registration fee 5%, sale tax 4%) for properties above exemption thresholds, with reductions for first-time owner-occupiers under successive Ministry of Finance circulars. Capital gains on real estate are exempt from income tax for individuals on personal property under the Income Tax Law. The Yarmouk subsidy scheme and the Housing and Urban Development Corporation (HUDC) programs deliver subsidised housing and land for lower- and middle-income Jordanians. Decree-Law 47/2008 governs foreign ownership.
Local banks Jordan mortgage rates by bank
The main home loan lenders in Jordan, with indicative 2026 rates and typical loan-to-value caps. Rates vary by borrower profile, residency and property type — use the calculator above with each bank's quoted rate to compare your real monthly payment.
Housing Bank for Trade & Finance
Founded as Jordan's housing-finance specialist and still the reference mortgage lender. JOD housing loans for salaried residents with tenors to 25-30 years; salary transfer earns the best pricing.
Arab Bank
Jordan's largest bank, strong with professionals and expatriate Jordanians. Offers both resident JOD mortgages and programmes for Jordanians working in the Gulf buying property back home.
Cairo Amman Bank & Bank al Etihad
Active retail challengers on housing loans, frequently running reduced-rate campaigns tied to developer partnerships in Amman (Abdali, Dabouq, Rabieh corridors).
JMRC-refinanced lenders
The Jordan Mortgage Refinance Company provides long-term liquidity to member banks, enabling fixed-rate periods in a market where Central Bank of Jordan rates keep variable pricing high.
Indicative rates compiled from public bank disclosures and central-bank data for 2026; not a quote or an offer of credit. Confirm current terms directly with the lender.
A JD 120,000 home loan at 7.5% over a 25-year term
JOD 120,000 7.5% 25 years (300 months) JOD 887 JOD 146,037 JOD 266,037 
