Qatar 💰 QAR Last updated2026-05-28

Mortgage Calculator Qatar

⚡

Quick answer (Qatar)

A QAR 2,500,000 mortgage at 5.25% over a 25-year fixed term in Qatar works out to a monthly payment of about ‏١٤٬٩٨١ ر.ق.‏, with total interest of ‏١٬٩٩٤٬٣٥٨ ر.ق.‏ over the full term.

🏠

Mortgage Calculator

QAR

Home Value

QAR

LTV 80% · No PMI ✓

Loan Amount

QAR

Interest Rate

Term

Total Monthly

‏١٩٬١٤٨ ر.ق.‏

PITI

Principal + Interest

‏١٤٬٩٨١ ر.ق.‏

44% goes to interest

Total Interest

‏١٬٩٩٤٬٣٥٨ ر.ق.‏

over 25 years

Monthly Breakdown

Principal & Interest‏١٤٬٩٨١ ر.ق.‏

Property Tax (1.1%/yr)‏٢٬٨٦٥ ر.ق.‏

Homeowner's Insurance (0.5%/yr)‏١٬٣٠٢ ر.ق.‏

Total Monthly‏١٩٬١٤٨ ر.ق.‏

Principal vs Interest Split

56% principal

44% 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

Mortgages in Qatar

Typical loan

‏٢٬٥٠٠٬٠٠٠ ر.ق.‏

in Qatar

Typical rate

5.25% p.a.

prime borrower, 2026

Typical term

25 years

most common

Market overview

Qatar mortgages are dominated by Qatar National Bank (QNB), Commercial Bank of Qatar, Doha Bank, and Qatar Islamic Bank. The market is split into Qatari national segment (favorable LTV up to 75-80%) and expat segment (typically 60-70% LTV, higher rates). Most rates follow QCB policy moves and the USD-pegged QAR (3.64). Post-2022 World Cup, the market shifted from speculation to end-use buyers, with Lusail and The Pearl-Qatar dominating expat purchases.

Why 5.25% is the typical rate

5.25% reflects a typical fixed mortgage rate for an expat resident at 65% LTV in early 2026. Qatari nationals get 50-100 bps lower rates. Islamic Ijara structures from QIB price at the same effective rate as conventional mortgages.

Tax & regulatory notes

No personal income tax, no mortgage interest deduction (none needed). Property transfer fee is 0.25% of property value (one of the lowest globally). Foreign ownership is restricted to designated freehold zones: The Pearl-Qatar, Lusail, West Bay Lagoon, Al Khor Resort, and others. QCB caps mortgage maturity at age 70 for expats and 75 for Qatari nationals.

🧮 Worked example

A QAR 2,500,000 mortgage at 5.25% over a 25-year fixed term in Qatar

Loan amount

‏٢٬٥٠٠٬٠٠٠ ر.ق.‏

Annual interest rate

5.25%

Term

25 years (300 months)

Monthly payment

‏١٤٬٩٨١ ر.ق.‏

Total interest paid

‏١٬٩٩٤٬٣٥٨ ر.ق.‏

Total paid (principal + interest)

‏٤٬٤٩٤٬٣٥٨ ر.ق.‏

❓ FAQ (Qatar)

Common questions in Qatar.

Can expats own property and get a mortgage in Qatar?

Yes, in designated freehold zones only — The Pearl-Qatar, Lusail, West Bay Lagoon, Al Khor Resort, and a handful of others. Mortgages are available from QNB, Commercial Bank, Doha Bank, and Qatar Islamic Bank with LTV typically 60-70% for expats. Salary income of QAR 15,000+/month is the typical minimum, and you must have 2+ years of Qatar residency for best terms.

QAR-USD peg — does it affect mortgage planning?

The QAR has been pegged at 3.64 to the USD since 2001 and has held through every regional stress test (2017 blockade, 2020 oil crash, 2024-2025 Gulf tensions). For mortgage planning, this means Qatari rates track the Fed funds rate with a small spread. As the Fed cuts in 2026, QCB follows automatically, so floating-rate mortgages benefit immediately.

Conventional vs Islamic mortgage in Qatar?

Qatar Islamic Bank, Masraf Al Rayan, and Barwa Bank offer Ijara (lease-to-own) and Murabaha (cost-plus) home financing fully compliant with Sharia. Effective profit rates are typically within 10-20 bps of conventional bank rates, so the choice is religious preference, not financial. Both structures are QCB-regulated under the same disclosure rules.

🌍 Other countries