Jordan's ISTD wants income, rental receipts, and any tax already paid — all visible in your Housing Bank statement. Convert in seconds and let your accountant separate mortgage principal from interest.
Convert your Housing Bank statementHousing Bank for Trade and Finance — founded in Amman in 1973 — was built around residential mortgage lending and is still Jordan's dominant home loan bank. Its customer base skews toward mid-income families, civil servants, and SME owners with property obligations. That means most statements carry a mix of salary credits, rental income, housing loan instalments, and occasional letter-of-guarantee fees.
Jordan's Income and Sales Tax Department (ISTD) administers a progressive 5–30% personal income tax, a 20% flat corporate rate, and a 16% general sales tax. For property owners, the housing loan instalment is not deductible at the personal level, but the interest (commission) portion may be relevant for landlords reporting rental income against finance costs. Pulling the statement into Excel lets you separate the parts.
Housing Bank issues a bilingual Arabic-English PDF with clearly labelled columns: Date, Serial, Description, Debit (JOD), Credit (JOD), Balance (JOD). JOD amounts carry three decimal places per CBJ standards. The account summary at the top shows opening balance, total debits, total credits, and closing balance — a starting point for any reconciliation.
Salary credits appear as 'Salary Transfer' or 'راتب' with the employer reference. Rental income arrives as inbound transfers from individual tenants. Housing Loan Instalment debits appear monthly with the loan reference; the principal and interest split is not shown on the statement itself but can be reconstructed from the loan amortisation schedule. ISTD tax payments routed through the account appear as outbound transfers to the tax authority.
The personal ISTD return wants total income by source and any tax already paid. The Housing Bank statement supplies the income side and any tax payments routed through the account. Mortgage interest is handled separately on the loan schedule from the bank, not on the statement.
Bilingual Arabic-English PDF with clearly labelled columns: date, serial, transaction description, debit (JOD), credit (JOD), balance (JOD). JOD amounts to three decimal places. Account summary section at top shows opening balance, total debits, total credits, and closing balance. Trade finance entries (LCs, guarantees) reference documentary credit numbers. Branch and online channels are coded differently in the narration.
| Label | Meaning |
|---|---|
| Housing Loan Instalment | Monthly mortgage or housing loan repayment |
| Salary Transfer | Employer salary deposit via FAST payment network |
| ATM Withdrawal | Cash withdrawal from ATM |
| Letter of Guarantee | Bank guarantee issued for trade or construction contract |
| Online Transfer | Transfer executed via HB Mobile or internet banking |
Rules in Jordan differ — see our country guide
Pull 12 months from HB Mobile
Open HB Mobile or Housing Bank Online and request a statement covering January–December of the relevant tax year. Jordan uses the Gregorian calendar for tax. If you hold both a current account and a savings account, request both — and the housing loan account if you want the interest detail.
Upload and check the three-decimal JOD format
Drop the PDF into Kashfbank. JOD amounts keep three decimal places (1,250.500 JOD, not 1,250.50). Tools that assume two decimals introduce drift across hundreds of rows. The Excel export preserves the full precision.
Separate income from existing obligations
Filter by Category. Salary, rental, and investment credits go into the income column for the ISTD return. Housing Loan Instalment debits are not income or expense at the personal level — they reduce cash, not taxable income. Keep them visible for the debt-to-income context, exclude from the gross.
Send to your tax advisor with the loan schedule
Most Jordanian individuals use a tax advisor for the ISTD return. Send the converted Excel, the original Housing Bank PDF, and — if you are claiming rental finance costs — the loan amortisation schedule from the branch. Retain everything for at least four years.
Common challenges
Is the mortgage interest on my Housing Bank loan deductible from my Jordanian income tax?
Not on the personal income tax return for an owner-occupied home. If the property is rented and generates rental income, the interest (commission) component of the housing loan instalment may be deductible against the rental income at the property level. Your tax advisor confirms the treatment using the loan amortisation schedule, not the statement itself.
Does the export handle JOD three-decimal amounts?
Yes. JOD is one of the few currencies that uses three decimal places. Kashfbank preserves all three. Spreadsheets and tools assuming two decimals introduce small rounding drift that compounds across hundreds of rows. We do not round.
I run a small construction business with Letter of Guarantee fees on the account. How are those treated?
LG fees are bank charges that may be deductible as a business expense if the business is registered for ISTD as a sole trader or company. The statement shows them clearly. Your accountant categorises them on the corporate return; the personal return does not include business expenses.
What about the 16% general sales tax on bank fees?
GST on bank fees is collected at the bank level and shown on the fee line where applicable. For personal customers, GST is not separately reclaimable. For GST-registered businesses, the input GST on bank fees is claimable on the GST return — the Excel export makes it easy to filter the fee rows.
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Regulator: Central Bank of Jordan (CBJ)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English