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  • Loans Calculator

    Calculate the loan amount you can borrow or alternatively, the monthly payments you can afford.

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    Rate of interest is 5.75% pa.

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    This is for demonstrative purpose only. Call 1801801 or visit a branch for exact calculations.

  • Loan Refinancing Calculator


    The above approximate calculation of the loan is for guidance only and does not entail any kind of obligation or liability on the bank. This operation and its result assumes that you have paid all your installments on time, your loan term did not have a grace period and you have not made partial payments to your loan. Kindly note that Government loans cannot be refinanced.Please contact 1801801 or visit any branch to confirm.

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CBK Refinancing Loans

Following recent decisions of the Central Bank of Kuwait on refinancing loans – a link to the announcement can be found here, and you can view the latest CBK regulations here.

NBK are pleased to announce that we are available to receive all your queries on refinancing loans in our branches or alternatively you can contact NBK Call Center at 1801801.

Loan Refinancing Calculator



The above approximate calculation of the loan is for guidance only and does not entail any kind of obligation or liability on the bank. This operation and its result assumes that you have paid all your installments on time, your loan term did not have a grace period and you have not made partial payments to your loan. Kindly note that Government loans cannot be refinanced.Please contact 1801801 or visit any branch to confirm.

Common Questions

  • Who is eligible for refinancing?
    - Any customer who has been regular with the repayment of not less than 30% of the number of installments set out for his consumer or installment loan on their due dates is eligible for refinancing (rebooking). For example if a customer had taken a loan of 180 installments originally (15 years), the loan can be refinanced only if 54 installments have been paid.
    - Customer should not be past due at the time of application.
    - Partial payments cannot be considered as installments paid
  • What does refinancing do (obtaining new financing)?
    -NBK can grant a new loan from which the old loan can be settled.
    -The new loan must be of the same type as that of the loan that is settled. For example, an existing consumer loan can be refinanced by a new Consumer loan only. The same applies for installment loans.
    -Refinancing (rebooking) allows a customer to borrow additional amount without increasing his DBR.
  • How much can a customer borrow additionally?
    - The customer eligibility can be determined only after examining the customer’s income and his total liabilities on Ci-net.
    - The same criteria for taking a new loan also apply during loan refinancing.
  • What documents do I need to submit?
    There is no change to required documents. You have to submit the same documents that are required for new loan. These are:
    - Salary certificate/continuation letter
    - Civil ID, Passport Copy (for Expats)
  • Can I bring my loan from another bank to NBK? Or, can I transfer my salary from another bank to NBK although I have a loan with another bank?
    Yes you can, NBK will close your loan with another bank and give you a new loan.
  • What do I need to do to bring my loan/salary from another bank to NBK?
    - You should have paid 30% of the installments of your loan at another bank on their due dates.
    - You have to submit all documents that are needed for a new loan including the liability certificate and 6 month bank statement from another bank.
    - NBK will assess your eligibility by checking your income and liabilities and approve your loan.
    - Upon approval, NBK will start the process to settle your loan with another bank and grant a new loan with NBK.
  • Can I amend the term of my loan?
    Yes you can, either by increasing your loan term (extension) or reducing it.
  • What is in it for me?
    - You can extend the term of your existing installment loan only up to 180 months from the start date of your loan. (60 months in case of consumer loans)
    - If you have already taken a 180 month installment loan (or 60 month consumer loan), then you cannot extend the loan term any further
    - Your loan should not be past due.
    - Extending the term will decrease your installment amount.
    - Your total interest payment over the loan term will increase.
  • What do I need to do to change the term of my loan?
    Please submit a request and provide all documents for a new loan like civil ID, salary certificate, etc… NBK will first check you eligibility and approve for changing the term of your loan.

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