What are mortgage rates in Jordan?
About 6.81% for a 20-year fixed loan on average (Numbeo), with banks advertising fixed rates from about 6.66% to 6.875%. A JD 100,000 loan over 20 years costs about JD 764 a month. Non-citizens can borrow, but the process is more involved, and banks ask for passport, residency permit, proof of income and the sales contract.
Sources: Numbeo (property) · Jordan Ahli Bank housing loan · Housing Bank housing loans · Expat Focus: property financing.
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What a mortgage costs per month in Jordan
| Loan | Monthly payment | Interest over 20 years |
|---|---|---|
| JD 100,000 | JD 764 | JD 83,344 |
| JD 150,000 | JD 1,146 | JD 125,017 |
| JD 200,000 | JD 1,528 | JD 166,689 |
| JD 300,000 | JD 2,292 | JD 250,033 |
Illustration at the Numbeo average of 6.81% over 20 years; real offers differ. Interest rises if the rate is variable.
What Jordanian banks offer
Jordan Ahli Bank
Housing loans from 6.875% in a campaign that ended on 30 June 2026, open to expatriates and residents; non-Jordanians need a valid passport and residency permit, proof of income, the preliminary sales contract and the title deed.Housing Bank
A buyout offer lists a fixed rate from 6.66% for the first year, then variable (the Central Bank's overnight rate plus a margin), up to 30 years including grace period, and says it can finance expatriates and the self-employed.Bank Al Etihad
A comparison site lists a housing loan open to Jordanians and non-Jordanians up to JD 300,000, or 50% of the property price.Check the current offer
Campaigns expire; confirm the rate, term, fees and eligibility with the bank or the Central Bank of Jordan.How a mortgage fits Amman prices
A typical 3-bedroom
Asks about JD 175,000. A JD 150,000 loan costs about JD 1,146 a month at 6.81% over 20 years.Fees on top
A registration fee of up to 3% and a 3% sale tax come on top of the price, about JD 10,500 on a typical three-bedroom.Against the rent
A JD 150,000 apartment earning Numbeo's 6.0% gross yield makes about JD 9,000 a year, less than the JD 13,751 a year the loan costs.Related guides
Can foreigners buy property in Jordan?
Part of our buying guides.Read more →Property registration fees in Jordan
Part of our buying guides.Read more →Jordan residency by property
Part of our buying guides.Read more →How to buy property in Jordan
Part of our buying guides.Read more →Foreign ownership limits
Part of our buying guides.Read more →Property due-diligence checklist
Part of our buying guides.Read more →Related reading
Property tax in Jordan explained
Property taxes in Jordan: registration fee, 3% sale tax, the annual building and land tax (musaqafat), rental income…Read more →How to buy an apartment in Amman
How to buy an apartment in Amman: prices and sizes, the building and unit checks, the seller's works permit and…Read more →Buying off-plan property in Jordan: risks and checks
Buying off-plan in Jordan: the registered promise-to-sell, the 2026 allocation certificates, what protections exist,…Read more →Average rent in Amman by area and bedroom
Average rent in Amman: JD 700 (1-bed), JD 1,000 (2-bed), JD 1,290 (3-bed) a month, with ranges and rent by area from…Read more →Mortgages in Jordan: questions answered
Can I get a mortgage in Jordan?
Yes. Numbeo's contributors report an average 20-year fixed mortgage rate of about 6.81% (range 4.5% to 9.0%, updated 2 October 2026), and banks such as Jordan Ahli Bank and the Housing Bank advertise rates from about 6.7% to 6.9%. Approval depends on income and your debt-to-income ratio. This guide →
Can foreigners get a mortgage in Jordan?
Yes. Non-citizen buyers can access mortgage financing, though the process is more complex than in most comparable markets. Banks such as Jordan Ahli Bank and the Housing Bank say they lend to expatriates, who typically need a valid passport and residency permit, proof of income, the preliminary sales contract and the title deed. Foreign buyer rules →
What is the mortgage interest rate in Jordan?
Numbeo's average is about 6.81% for a 20-year fixed loan. Jordan Ahli Bank's housing loan started from 6.875% in a campaign that ended on 30 June 2026, and the Housing Bank lists a fixed rate from 6.66% for the first year, then variable. Check current offers. Prices and rates →
How much is the monthly payment on a mortgage in Jordan?
At 6.81% over 20 years, a JD 100,000 loan costs about JD 764 a month and JD 150,000 about JD 1,146. This is an illustration, not a quote. Cost calculator →
How long can a mortgage in Jordan last?
The Housing Bank lists loan terms up to 30 years including the grace period; other banks list shorter terms, such as 25 years. Age limits apply at the end of the term. This guide →
How much deposit do I need for a mortgage in Jordan?
It varies by bank and applicant. Some offers advertise financing up to the full estimated value for buyouts, while one bank's housing loan is limited to 50% of the price up to JD 300,000. We did not find a single rule for non-Jordanians, so ask each bank. Apartments for sale →
Can I get a mortgage and residency by buying property?
Property bought for residency must be held for five years without being mortgaged, so a mortgage on that property can cancel the residency. Check with the Interior Ministry and your lawyer. Residency by property →
Is it cheaper to rent or buy with a mortgage in Amman?
Numbeo's price-to-rent ratio is 16.6 to 19.5, gross yields are about 5.1% to 6.0%, and mortgage rates are about 6.81%, so interest alone costs more than the rent an apartment would earn. Fees of 6% add to the cost. This is information, not financial advice. Rent vs buy →