QIIB is the strange one in Qatari retail finance: the only bank that publishes rate cards for vehicle and personal financing, and simultaneously a mortgage page with no numbers on price at all. What the mortgage page does publish is the most aggressive envelope in the market: financing up to 80% of a property's value, repayment up to 360 months, and a qualifying-income rule that accepts rent. All terms below were verified from QIIB's published pages on August 4, 2026.
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The envelope: highest LTV, longest term
QIIB finances up to 80% of property value, against QIB's published 70% ceiling, with repayment up to 360 months. Both numbers are the best published in Qatari Islamic home finance. QCB's financing-to-value instructions, as published on AlRayan's offer page, cap Qataris at 80% and residents and non-residents at 75%, so treat QIIB's 80% as the Qatari-buyer best case; a resident's regulatory ceiling is 75% regardless of what any bank's page says. The scope is wide too: purchase of completed properties, construction projects and renovation, for private residences and investment property alike.
The landlord unlock
QIIB's eligibility line accepts monthly salaries and/or rental income as qualifying income. No other Qatari Islamic bank advertises rental-income qualification. For an investor assembling units in Lusail or The Pearl, this changes the arithmetic: your existing portfolio's rent roll can carry the next acquisition rather than your salary alone. Pair it with the investment-property purpose and the 360-month term and you have the closest thing Qatar offers to a portfolio landlord product from a fully Islamic bank. The buyout route is documented as well: transferring financing from another bank requires a liability letter and six months of signed, stamped statements.
What is missing, and it is a lot
- No profit rate. The page describes pricing only as competitive. QIIB publishes exact rates for its vehicle and personal products (5.60% to 5.85% by segment), so the mortgage silence is a choice.
- No eligibility matrix: no salary floors, no down payment tiers by borrower class, no debt-burden caps. QIB publishes all of these.
- No online calculator and no digital application; the process is in-branch with QID and salary certificate.
- No published treatment of freehold zones or non-resident eligibility for foreign buyers.
- Minimum age 18 for Qataris and 21 for expats is stated; everything else about the expat deal emerges in the branch.
The structure question
QIIB's mortgage page does not name its contract. The bank's published contract library spans Murabahah (including Murabaha letters of credit), Musawamah, Mudarabah, Istisna with bank engineering supervision, and Ijara including Ijara Muntahia Bittamleek, and its corporate materials describe Musawamah as the vehicle usually provided for local purchases including real estate. Property finance in Qatar conventionally executes as cost-plus Murabaha or lease-based Ijara, with Istisna for construction, and QIIB explicitly finances construction. Oversight comes from the named three-scholar Sharia Supervisory Committee, whose chairman also chairs QIB's board. Ask which contract applies to your scenario, and get the answer in the offer letter rather than verbally.
The grace period and the fine print
QIIB advertises a flexible grace period on the mortgage without defining it, which fits a pattern visible across its retail shelf: on vehicle and personal financing, where QIIB publishes full terms, grace periods run six months for Qataris and three for expatriates. Whether the mortgage follows the same tiering is not stated, so ask. The application requirements are light on paper: QID and a salary certificate addressed to QIIB, plus the liability letter and six months of statements if you are moving financing from another bank. There is no published fee schedule for the mortgage, no feasibility fee figure, no valuation cost, no early settlement charge. Every one of those numbers exists at AlRayan in a public tariff (1% feasibility, QAR 500 documentation, 1% early settlement), which gives you the checklist of questions to put to the QIIB branch.
On scale and standing: QIIB is one of Qatar's four licensed Islamic banks, its Sharia committee is chaired by Sheikh Walid Bin Hadi alongside Al-Qassar and Ohmain per its published governance pages, and its financing book runs exclusively on the Islamic contract set it publishes. The compliance foundation is not in question; the retail disclosure is.
How to negotiate with QIIB
Walk in with AlRayan's computed rate. Salary-backed home finance at AlRayan prices at QMRO + 1.50%, which is 5.85% at the December 2025 benchmark (5.60% for QAR 35,000+ salaries), with a 3.50% two-year promotional APR on QAR 1 million+ financings until August 31, 2026. QIIB describing its own pricing as competitive is testable against that number. If the branch quote lands above the AlRayan formula, the 80% LTV and the 360-month term have to justify the spread, which they can for buyers whose binding constraint is the deposit or the monthly instalment rather than the total cost. A QAR 2 million purchase at 80% needs QAR 400,000 down at QIIB versus QAR 500,000 at the 75% resident cap elsewhere, but only for Qatari buyers per the QCB tiering.
A worked contrast: what the term does
The 360-month term is QIIB's quietest advantage, so it deserves a number. Consider QAR 1.5 million of financing at an assumed 5.85%, which is AlRayan's computed retail formula rate and the only published anchor in the market (our illustrative amortisation, not a QIIB quote). Over 180 months, the standard instalment lands near QAR 12,540 per month. Over 300 months it falls to roughly QAR 9,530, and over 360 months to about QAR 8,850. Against Dukhan's 15-year maximum, QIIB's 30-year term cuts the monthly commitment by nearly 30% on identical pricing. The trade is total cost: the longer term pays materially more profit over the life of the financing. For buyers bounded by a debt-burden cap, though, the term is what turns an unaffordable purchase into an approvable one.
Who this product is for
- Buyers whose deposit is the binding constraint and who qualify as Qataris for the 80% tier.
- Landlords and investors who need rental income counted for qualification.
- Renovators and self-builders: construction and renovation are in scope, alongside our other option in the construction finance guide.
- Buyers stretching affordability across the longest possible term; 360 months is the market maximum.
- Not for: anyone who wants to know the price before visiting a branch, or expats seeking published borrower-class terms.
See the full four-bank picture in our home finance comparison, or model instalments in the financing calculator.
Frequently asked questions
Can I really get 80% financing as an expat at QIIB?
Probably not. QIIB's page states up to 80% of property value without borrower-class tiers, but QCB instructions published by AlRayan cap residents and non-residents at 75%. Regulatory caps govern, so treat 80% as the Qatari best case and 75% as the resident ceiling, and confirm your tier in the branch.
Does QIIB finance investment property?
Yes, explicitly. The published scope covers private residences and investment property, and rental income can count toward qualification, which makes QIIB the most landlord-friendly published offer in Qatari Islamic banking as of August 2026.
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What documents does a buyout from another bank need?
Per QIIB's published requirements: a letter of outstanding liabilities from your current bank plus six months of signed and stamped account statements, alongside the standard QID and salary certificate. See our refinancing guide for how buyout economics work across the four banks.