Arab Bank is a major mortgage lender in Jordan. The standard requirement is 12 months of statements showing stable salary and no overdraft incidents. Convert your PDF so the underwriter can trace every figure.
Convert your Arab Bank statementJordan's housing market is mature and more saturated than the Gulf — prices have moved within a narrower band over the past decade. Amman concentrates most demand, with Aqaba and Irbid as secondary markets. Arab Bank, alongside Housing Bank for Trade and Finance, dominates mortgage origination. The JOD-USD peg (0.7090 JOD per USD since 1995) keeps currency risk low for borrowers.
Arab Bank's mortgage product requires 12 months of statements as the standard documentation set. The CBJ's 50% debt-service-to-income cap applies to mortgage applications too, with mortgages typically the largest single instalment in a household's debt profile. The statement is the underwriter's primary tool for both salary verification and down-payment source documentation.
Three things drive the mortgage decision: salary stability across 12 months, existing debt (all of it, across every bank), and down-payment seasoning. Salary stability means consistent monthly 'Salary Credit' lines with the employer's name. Existing debt means every standing order, every loan instalment, every credit card minimum — summed monthly and added to the prospective mortgage instalment to test the 50% DSR cap.
Down-payment seasoning means the deposit funds have been in your account for at least 60 days (Arab Bank often expects longer for first-time buyers). Recent inbound transfers — even legitimate family gifts — raise questions and require donor letters and source-of-funds. Kashfbank's running balance column makes seasoning visible: find the row where the down-payment funds first appeared, count forward to today.
Pull 12 months, convert to one continuous Excel, and walk the rows yourself before the underwriter does.
Bilingual Arabic/English PDF, typically landscape layout. Columns: date, reference, description, debit (JOD), credit (JOD), balance (JOD). JOD amounts displayed to three decimal places per CBJ standards. Multi-currency accounts produce separate per-currency pages. Wire transfers include full SWIFT/BIC beneficiary detail in the narration field. Statements available up to 24 months via branch or online.
| Label | Meaning |
|---|---|
| SWIFT Transfer | International wire transfer via SWIFT network |
| ATM WD | ATM cash withdrawal |
| POS Purchase | Point-of-sale card payment |
| Salary Credit | Monthly salary deposit from employer |
| Standing Order | Recurring scheduled transfer (utilities, insurance, loan instalment) |
Jordanian housing banks (Housing Bank for Trade and Finance) require 6 months of CBJ-bank statements with JOD-denominated salary entries as primary income proof.
Pull 12 months from Arabi Mobile
Arab Bank Online and Arabi Mobile export up to 24 months. For mortgage purposes, 12 is the minimum; 24 is preferred if your income includes commissions or bonuses. Multi-currency holders should include all currency sub-accounts.
Convert into one merged Excel
Upload to Kashfbank. The CSV preserves JOD three-decimal precision and bilingual narration. Each row's running balance is the seasoning evidence — scroll back, find the down-payment, count days.
Document the down-payment trail
Highlight the rows that built up the down-payment. Property sale? Attach the deed. Family gift? Attach the gift letter and donor source-of-funds. Inheritance? Attach the probate paperwork. The underwriter will ask for all of these — pre-attaching saves a round trip.
Submit with the original PDF
Arab Bank's mortgage desk requires the bank-stamped original PDF. Your Excel export is for your own preparation, your real estate advisor, and any DSR calculation conversations with the underwriter.
Common challenges
What is the maximum loan-to-value for an Arab Bank mortgage in Jordan?
Arab Bank's product terms publish current LTV ratios, which depend on the borrower profile (employed versus self-employed), property type (primary residence versus investment), and loan amount. The CBJ-set regulatory ceiling is the upper bound; Arab Bank's internal policy may apply a lower limit. Check current product terms before assuming.
Can a diaspora Jordanian working in the GCC apply for an Arab Bank mortgage in Jordan?
Yes — Arab Bank serves the diaspora segment heavily. The application typically requires statements from both the GCC employer's bank (proving salary) and the Arab Bank account in Jordan (proving the funds flow). Kashfbank handles statements from many GCC banks (Emirates NBD, ENBD, SNB, Al Rajhi, NBK, QNB) if you need to convert those too.
How long must the down-payment have been in my Arab Bank account before applying?
Standard seasoning is 60 days minimum. For high-value properties or first-time buyer schemes, the underwriter may request longer. If the down-payment came from a property sale, the sale contract date is what matters — not when the funds landed in your account.
Does Arab Bank offer Islamic mortgages?
Arab Bank is a conventional bank. Its Islamic subsidiary — Islamic International Arab Bank — offers Sharia-compliant home finance (Murabaha and Diminishing Musharaka structures). Statements from that entity are a separate format. Kashfbank handles both with their respective bank dossiers.
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Regulator: Central Bank of Jordan (CBJ)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English