Showing Oman because that’s where you are.
Oman 💰 OMR Last updated2026-05-28 مرابحة عقارية Calculator
Oman
A mortgage of 60,000 OMR at 5.5% over 25 years works out to a monthly payment of about ٣٦٨ ر.ع., with total interest of ٥٠٬٥٣٦ ر.ع. over the full term.
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Local context مرابحة عقاريةs in Oman
Market overview
Oman home financing is dominated by Bank Muscat, National Bank of Oman (NBO) and Sohar International, with Islamic windows like Meethaq and Bank Nizwa offering Murabaha and Ijara structures alongside conventional loans. The Central Bank of Oman shadows the US Fed because of the OMR-USD peg at 0.3845, so mortgage pricing tracks the Fed cycle closely. Demand has been driven by usufruct laws in Integrated Tourism Complexes (Al Mouj, Muscat Hills) where expats can buy freehold.
Why 5.5% is the typical rate
Rates sit around 5.5% because CBO repo follows the Fed funds rate plus a 200-275 bps bank spread, with Islamic profit rates broadly aligned to keep the market competitive.
Tax & regulatory notes
There is no annual property tax in Oman, but a 3% registration fee applies at the Ministry of Housing and Urban Planning under Royal Decree 5/80 (Property Law). The CBO caps mortgage DBR (Debt Burden Ratio) at 50% of net income for Omanis and 60% for expats, with a 25-year tenure cap and retirement-age limit of 60 for nationals.
A mortgage of 60,000 OMR at 5.5% over 25 years
٦٠٬٠٠٠ ر.ع. 5.5% 25 years (300 months) ٣٦٨ ر.ع. ٥٠٬٥٣٦ ر.ع. ١١٠٬٥٣٦ ر.ع. 
