Burgan offers conventional mortgages under CBK rules. Six months of statements is the minimum. Convert your PDF first, verify salary continuity and existing liabilities, and submit a file you've already audited.
Convert your Burgan statementBurgan's property finance team requires at least 6 months of statements. They verify three things: stable salary credits, existing debt service that keeps you under the CBK debt-burden cap, and a down payment source that has seasoned in the account. Multi-currency Burgan accounts add a layer — the down payment may sit in USD while the mortgage is denominated in KWD.
Kashfbank converts the bilingual PDF with 3-decimal KWD precision. SWIFT BICs and beneficiary IBANs survive into the Description column. That matters when a large family transfer needs a paper trail.
Salary continuity over the full statement period. No new large credit within 60 days before the down payment hits — borrowed funds disqualify. Existing EMIs, credit cards, and personal loans summed against your net salary to confirm the CBK cap (40% nationals, 35% expats).
The converted CSV lets you compute the debt-burden ratio yourself before submission. You will see what the underwriter sees.
Pull the down payment trail, the existing EMIs, and the salary continuity in one merged file.
Bilingual Arabic-English A4 PDF. Columns: date, narration, debit, credit, balance (KWD to 3 decimals). Account header includes full customer name, account number, IBAN, currency, and statement period. Regional wire transfers include correspondent bank SWIFT codes in narration.
| Label | Meaning |
|---|---|
| تحويل خارجي | Outward international transfer |
| حوالة واردة | Inward remittance |
| كي نت | KNet POS payment |
| شيك | Cheque clearing |
| راتب | Salary deposit |
Rules in Kuwait differ — see our country guide
Pull 6 months from Burgan Mobile
Burgan supports multi-month PDF exports. Pull the full window required for property finance — 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 the SWIFT BIC for any wire transfer.
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 a documented gift letter where needed
Burgan requires the original PDF for the application. If a large transfer funded your down payment, pair the row from your converted CSV with a gift letter or asset-sale document.
Common challenges
Why does the down payment need to season?
Underwriters check whether the down payment was borrowed. Funds that have sat in your Burgan account for 60+ days are treated as your own. The converted CSV shows the funds' presence from Day 1 of the statement window.
Does Burgan accept expat applicants?
Yes. CBK caps the debt-burden ratio at 35% net salary for expats versus 40% for Kuwaitis. The converted CSV lets you calculate your own ratio before submission.
My down payment is in USD inside my Burgan account. Is that a problem?
Burgan's mortgage is denominated in KWD. The bank will use a published rate at conversion. Your CSV keeps the USD row tagged with its original currency so the audit trail is clear.
How does the CSV help with gift documentation?
Large family transfers must be documented as non-repayable. Your converted CSV identifies the specific row and date so the gift letter ties to a real transaction in the bank's records.
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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