BankDhofar offers conventional and Maisarah Islamic home finance, regulated by the Central Bank of Oman. Convert 6–12 months to Excel and check it before underwriting — in seconds.
Convert your BankDhofar statementBankDhofar offers both conventional and Maisarah Islamic home finance. Oman's housing loan market is regulated by the Central Bank of Oman, which sets the debt-burden ratio underwriters apply. A mortgage file needs more history than a personal loan — typically 6–12 months — so the bank can confirm salary continuity, trace the down payment, and verify existing obligations leave room under the cap.
Applicants in the Dhofar governorate may also access Housing Ministry grants, which can appear in the statement as a credit. Converting the PDF to Excel before underwriting lets you confirm the down payment has been in the account long enough to count as your own funds, the salary credit is uninterrupted, and no large unexplained deposit raises a question the underwriter will ask.
BankDhofar issues a bilingual Arabic-English A4 PDF: date, transaction reference, debit, credit, OMR balance at three decimals. Salary appears as a SALARY credit with the employer reference. Down payment accumulation is visible as the running balance grows; underwriters trace large deposits back to confirm they are not borrowed.
If you hold a Maisarah Islamic window account alongside the conventional one, repayments from both can be interleaved on the same statement with a product-type code per row. Kashfbank parses the account-type column so every financing obligation — conventional or Maisarah — is captured for the debt-burden calculation, and Housing Ministry grant credits are kept visible.
You want salary continuity over the full period, the down payment trail, existing financing obligations, and any large deposit the underwriter will want sourced.
Bilingual Arabic-English A4 PDF. Columns: date, transaction reference, debit, credit, OMR balance (3 decimal places). Islamic window (Maisarah) transactions clearly differentiated with product-type code in narration. Account header: customer name, IBAN, account type (current/savings/Islamic), statement period.
| Label | Meaning |
|---|---|
| Maisarah Finance | Maisarah Islamic window repayment |
| SALARY | Salary credit |
| OmanNet | OmanNet domestic payment |
| TRF OUT | Outward transfer |
| ATM | ATM withdrawal |
Rules in Oman differ — see our country guide
Pull 6–12 months from BankDhofar Mobile
Open BankDhofar Mobile or the web portal and request 6–12 months — match the period the home finance desk asked for. The bilingual Arabic-English PDF is read natively by Kashfbank.
Upload and confirm OMR precision
Drop the PDF into Kashfbank. OMR amounts keep three decimals (the baisa), including older templates that omit trailing zeros, so balance and down payment figures reconcile exactly.
Trace the down payment and salary continuity
Sort by date. Confirm the down payment has been in the account long enough to count as seasoned funds, and that the SALARY credit is uninterrupted across the full period. Flag any large deposit you will need to source.
Export and prepare your file
Download as Excel or CSV for your own review. The bank wants the original BankDhofar PDF — use the export to confirm the underwriter will see a clean, explainable history.
Common challenges
How many months does BankDhofar want for a mortgage?
A mortgage file typically needs 6–12 months of statements — more than a personal loan — so the bank can confirm salary continuity and trace the down payment. Kashfbank converts the full set in one session for review before underwriting.
Does BankDhofar offer Islamic home finance, and how does that show?
Yes. BankDhofar offers Maisarah Islamic home finance alongside conventional. Maisarah financing repayments appear with a product-type code and are tagged Islamic Financing in the export — separate from conventional, but both count toward the Central Bank of Oman debt-burden ratio.
What is down payment seasoning and how does the export help?
Seasoning means the down payment has been in the account long enough to count as your own funds rather than a recent loan. Kashfbank converts several months into a chronological view so you can show the funds were present well before the application, with no large unexplained recent deposit.
I am applying in Dhofar and may get a Housing Ministry grant. Will it show?
Yes. Housing Ministry grant disbursements appear as a credit in the statement. Kashfbank preserves them with their full description so the underwriter can see the grant as a distinct, sourced inflow rather than an unexplained deposit.
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Regulator: Central Bank of Oman (CBO)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English