CBQ real estate finance needs 6 months of statements with salary credited to the CBQ account for the full period. Convert them into one clean sheet to verify it before you submit.
Convert your CBQ statementCommercial Bank of Qatar provides conventional real estate finance for Qatari nationals and eligible expatriates in designated investment zones. The review requires 6 months of statements, and a specific condition applies: the salary must be credited to the CBQ account for the full duration of the period submitted. A gap breaks the application.
Converting six months into one chronological sheet is what lets you verify that condition before the bank does. You confirm every WPS salary credit landed in the CBQ account, with no month where it went elsewhere — the single most common reason a Qatari mortgage file is queried.
Salary lands as راتب (WPS) in the credit column. Existing loan payments, rent, and bills sit in the debit column as the recurring commitments the underwriter sums against income. The running QAR balance shows whether you hold a buffer above the mortgage instalment, and the reference number on each row keeps every item traceable.
Down-payment funds are scrutinised. A large recent credit of unexplained origin is a red flag. The converted sheet shows when the funds arrived and their reference number, so you can pair the row with a gift letter or asset-sale document if CBQ asks.
Pull six months of salary-to-CBQ continuity, existing debt service, the down-payment trail, and the balance buffer.
Structured bilingual PDF. Transaction reference number, date, description, debit, credit, and QAR running balance. Account header shows IBAN, account type, and period. Running balance updates after each transaction, convenient for reconciliation. Q-Pay/NAPS references for domestic; SWIFT for international.
| Label | Meaning |
|---|---|
| تحويل محلي | Domestic transfer (Q-Pay/NAPS) |
| راتب | Salary (WPS) |
| تحويل خارجي | Outward SWIFT transfer |
| دفع ببطاقة | Card purchase |
| رسوم سنوية | Annual account fee |
Rules in Qatar differ — see our country guide
Pull 6+ months from CBQ
From CBQ Mobile Banking or a branch, request a continuous 6–12 month statement covering the down-payment accumulation period.
Upload to Kashfbank
Multi-page bilingual PDFs convert into one chronological sheet. Reference numbers and QAR balances are preserved across every month.
Verify salary continuity and the down payment
Confirm the WPS salary hit the CBQ account every month with no gap. Find the down-payment deposits and check they sat 60+ days with no unexplained large credit just before.
Export and assemble the file
Download as Excel or CSV. Keep the original CBQ PDF for the bank; the export is your evidence map for gift letters and source documents.
Common challenges
How many months does CBQ want for a mortgage?
6 months minimum, with salary credited to the CBQ account for the full submitted period. The converted sheet merges the period chronologically so you can verify that continuity in one view.
What happens if my salary went to a different bank for one month?
CBQ wants the salary in the CBQ account for the full period. The converted sheet shows exactly which months have a salary credit, so you can spot a gap and prepare an explanation before the bank queries it.
How do I prove a large family transfer for the down payment is not a loan?
Convert the statement to show the deposit date and its reference number, then pair that row with a gift letter from the donor stating the funds are non-repayable. The export pinpoints the exact row for faster documentation.
What is down-payment seasoning and how does the export help?
Seasoning means the funds sat in your account long enough (typically 60+ days) to rule out borrowing. Converting 3+ months into a chronological view shows the funds present early, with no suspicious late credit.
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Regulator: Qatar Central Bank (QCB)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English