Doha Bank real estate finance needs salary continuity and adequate savings for the down payment — net of remittances home. Convert your statements into one clean sheet to prove it.
Convert your Doha Bank statementDoha Bank offers real estate financing for eligible nationals and expatriates. The review confirms salary continuity and adequate savings for the down payment — but because the bank is remittance-heavy, the underwriter looks at savings net of money sent home, not gross salary alone.
Doha Bank's international presence means some clients hold accounts in Kuwait, India, the UAE, and Qatar at once. The Qatar mortgage file uses the Qatar account; converting six or more months into one chronological sheet is what lets you present a clean local picture without pooling foreign accounts.
Salary lands as راتب (WPS). Outward remittances (تحويل خارجي) reduce the savings the underwriter counts toward the down payment. Existing loan payments and bills are the recurring commitments summed against income. The summary box at the statement top frames opening and closing balances per period.
Down-payment seasoning matters: a large recent credit of unexplained origin is a red flag, and a sudden stop in outward remittances just before a deposit can look engineered. The converted sheet shows the full chronology so you can pair each large credit with a gift letter or asset-sale document.
Pull six-plus months of salary, the remittance volume, the down-payment trail, and the net savings buffer.
Clear bilingual Arabic-English PDF. Columns: date, description, debit, credit, QAR balance. Summary box at statement top: period, opening balance, total movements, closing balance. Retail and corporate layouts differ — corporate statements include sub-facility lines.
| Label | Meaning |
|---|---|
| تحويل خارجي | Outward international remittance |
| حوالة واردة | Inward remittance |
| راتب | Salary (WPS) |
| ATM سحب | ATM withdrawal |
| دفع بطاقة | Card payment |
Rules in Qatar differ — see our country guide
Pull 6+ months from Doha Bank
From Doha Bank Mobile or a branch, request a continuous 6–12 month statement covering the down-payment accumulation period. Use the Qatar account only.
Upload to Kashfbank
Multi-page bilingual PDFs convert into one chronological sheet. Remittance rows keep their beneficiary and IBAN strings on the correct row.
Trace salary, remittances, and the down payment
Compute net savings as salary minus remittances and commitments. Find the down-payment deposits and check they sat 60+ days with no unexplained large credit before.
Export and assemble the file
Download as Excel or CSV. Keep the original Doha Bank PDF for the bank; the export is your evidence map for gift letters and source documents.
Common challenges
I send money home monthly. How does that affect my mortgage savings?
Doha Bank's underwriter looks at savings net of remittances, not gross salary. The converted sheet lets you compute net savings yourself — salary minus remittances and commitments — so you know the down-payment figure the bank will accept.
I hold Doha Bank accounts in two countries. Which one goes in the mortgage file?
Use the Qatar account for the Qatar mortgage. Convert each country's statement separately — Kashfbank treats each as its own document, so you do not accidentally pool foreign balances into the local file.
How do I prove a large family transfer for the down payment is not a loan?
Convert the statement to show the deposit date, then pair that row with a gift letter from the donor stating the funds are non-repayable. The export pinpoints the exact row and date 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 or engineered stop in remittances.
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Regulator: Qatar Central Bank (QCB)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English