AUB Kuwait offers conventional home loans under CBK rules. Six months of statements is the minimum. Convert your PDF first, confirm your debt-burden ratio, and submit a file you've already audited.
Convert your AUB Kuwait statementAUB Kuwait's property finance team requires at least 6 months of statements. They check three things: stable salary credits, total debt service that keeps you under the CBK debt-burden cap (40% nationals, 35% expats), and a down payment source seasoned in the account for 60+ days.
Older AUB Kuwait statements were sometimes scanned, which can reduce extraction confidence. Kashfbank flags low-confidence rows so you can spot-check before the underwriter does.
Salary continuity over the full window. Existing EMIs and credit-card minimums summed against net salary. No new large credit within 60 days before the down payment lands. Average closing balance covering at least three mortgage installments as buffer.
The CSV lets you do the underwriter's math first. You see what they see.
Pull the down payment trail, existing debt service, and salary continuity in one merged file.
Standard bilingual Arabic-English A4 PDF. Clearly labelled debit, credit, and balance columns in KWD to 3 decimal places. Monthly opening/closing balance and summary totals at statement top. Transaction narrations include branch codes, cheque refs, and online banking identifiers.
| Label | Meaning |
|---|---|
| راتب | Salary credit |
| شيك وارد | Cheque received |
| سحب ATM | ATM withdrawal |
| كي نت | KNet point-of-sale |
| رسوم بطاقة | Card fee |
Rules in Kuwait differ — see our country guide
Pull 6 months from AUB Kuwait Mobile
AUB Kuwait supports multi-month PDF exports. For property finance pull 6 months minimum, 12 if your income varies.
Upload and convert
The bilingual PDF converts in seconds. The Description column keeps the original Arabic narration and any branch-code prefix.
Compute your debt-burden ratio
Sum your monthly EMIs, credit-card minimums, and existing loan payments. Divide by net salary. Confirm you sit under the CBK cap before applying.
Submit the bank PDF with documented gift letters where needed
AUB Kuwait requires the original PDF for the application. If a large transfer funded your down payment, pair the row from your CSV with a gift letter or asset-sale document.
Common challenges
Why is the down payment seasoning important?
Underwriters check whether the down payment was borrowed. Funds that have sat in your AUB Kuwait account for 60+ days are treated as your own. The CSV shows the funds' presence from Day 1 of the statement window.
Does AUB Kuwait lend to expats?
Yes, subject to CBK rules. The debt-burden cap is 35% net salary for expats versus 40% for Kuwaitis. The CSV lets you calculate your ratio first.
My salary varies because of commission. How does that affect the review?
Commission-heavy income usually requires 12 months of statements for the underwriter to average the qualifying figure. Pull the full 12 and use the CSV to compute your monthly average.
What if my statement is from before 2020 and is scanned?
Older scanned PDFs have lower OCR confidence. Kashfbank flags low-confidence rows so you can spot-check against the source page before submission.
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Regulator: Central Bank of Kuwait (CBK)
Fiscal year: Apr 1 – Mar 31 (government); Jan–Dec (private sector)
Full country guide →Statement language: Arabic / English