Lebanon 💰 USD Last updated2026-05-28

Home loan Calculator Lebanon

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Quick answer (Lebanon)

A $250,000 home loan at 9.5% over a 15-year term works out to a monthly payment of about $2,611, with total interest of $219,901 over the full term.

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Mortgage Calculator

USD

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$3,027

PITI

Principal + Interest

$2,611

47% goes to interest

Total Interest

$219,901

over 15 years

Monthly Breakdown

Principal & Interest$2,611

Property Tax (1.1%/yr)$286

Homeowner's Insurance (0.5%/yr)$130

Total Monthly$3,027

Principal vs Interest Split

53% principal

47% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Home loans in Lebanon

Typical loan

$250,000

in Lebanon

Typical rate

9.5% p.a.

prime borrower, 2026

Typical term

15 years

most common

Market overview

Lebanon's mortgage market collapsed after the October 2019 financial crisis and currency depegging, and what remains is overwhelmingly USD ("fresh dollar") financing from Bank Audi, BLOM Bank, Byblos Bank, Bank of Beirut, Société Générale de Banque au Liban (SGBL), Fransabank and BankMed. The historic LBP subsidised mortgage program of Banque du Liban (BDL Intermediate Circulars 313 and the Public Corporation for Housing scheme) was suspended in 2019 and has not been restored. The Public Corporation for Housing (PCH / المؤسسة العامة للإسكان) currently offers limited fresh-dollar loans in cooperation with selected banks. The lira has been quasi-stabilised by BDL at around 89,500 LBP/USD but most real-estate transactions are denominated and settled in USD cash.

Why 9.5% is the typical rate

9.5% reflects typical post-crisis fresh-USD mortgage pricing for a Lebanese salaried borrower at 60-70% LTV in early 2026; PCH-cooperating banks may offer slightly below this for eligible buyers.

Tax & regulatory notes

Property registration fees at the Cadastre are roughly 6% of declared value (registration plus municipal and bar association fees). Capital gains on real estate sales by individuals are subject to 15% real-estate gains tax under Law 60/2016 (with exemptions for principal residences held over 12 years). The Public Corporation for Housing (PCH) historically delivered subsidised LBP mortgages for first-time buyers under BDL Circular 313 — that scheme is dormant; PCH currently runs a smaller fresh-dollar program. Banking secrecy law was reformed in 2022-2024 to align with IMF conditions, but capital controls (informal "lirafication" haircuts on pre-2019 deposits) still affect what counts as eligible funds.

🧮 Worked example

A $250,000 home loan at 9.5% over a 15-year term

Loan amount

$250,000

Annual interest rate

9.5%

Term

15 years (180 months)

Monthly payment

$2,611

Total interest paid

$219,901

Total paid (principal + interest)

$469,901

❓ FAQ (Lebanon)

Common questions in Lebanon.

What is the difference between "lollar" deposits and fresh dollars for buying a home?

Pre-October-2019 USD bank deposits ("lollars") are subject to BDL withdrawal circulars (151, 158, 166) that convert them to LBP at below-market rates, effectively haircutting them 60-85%. "Fresh dollars" are post-2019 USD deposits or cash, freely transferable. Real estate sellers almost universally insist on fresh-dollar payment, and banks will only originate new mortgages against fresh-dollar income or collateral.

Is the BDL subsidised mortgage scheme still available?

No. The BDL subsidised housing loan program (Circular 313 and related), which underpinned the Public Corporation for Housing partnerships with Audi, BLOM, Byblos, Fransabank and others, was suspended in late 2019 when the central bank ran out of capacity to subsidise. The PCH currently offers a limited fresh-USD program directly with cooperating banks at unsubsidised market rates. Restoration of subsidies is tied to IMF-program implementation.

Can foreigners buy property in Lebanon?

Yes, with a Council of Ministers decree for purchases above 3,000 sqm or for any acquisition by non-Arab foreigners. Below that threshold and within annual quotas, foreigners can buy with standard cadastral registration. Arab nationals enjoy somewhat more open access. Lebanese expatriates with valid identity papers buy on the same terms as residents, and many post-2019 transactions are funded by diaspora fresh-dollar remittances rather than bank financing.

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