QNB is the leading provider of real estate finance in Qatar. Statements must show stable income, existing debt, and a documented down-payment source. Convert your PDF so the underwriter can trace every figure.
Convert your QNB statementQatar's real estate market reached elevated levels around the 2022 World Cup as infrastructure spending and population growth pushed Doha residential prices upward. Post-2022, the market has stabilised but financing standards remain firm. QNB requires 6–12 months of statements for resident applicants and a longer history with stronger collateral for non-residents on RERA-approved investment-zone properties.
The statement is the underwriter's main document. It proves salary continuity (typically 3+ years for residents), tracks debt-service capacity, and traces the down-payment back to its source. Borrowed down payments, undocumented gifts, and recent large unexplained deposits are red flags that delay or kill an application.
Three things dominate the review: salary stability, existing debt obligations, and down-payment seasoning. Salary stability means 'راتب' credits arrive on a predictable date at a consistent amount, with optional upward trend. Existing debt means current loan instalments, credit card minimums, and any outstanding QNB or other-bank obligations — the underwriter sums them against the regulatory debt-burden ratio.
Down-payment seasoning means the funds for the deposit have been visible in the account for 60+ days (sometimes longer for high-value properties). Recent inbound transfers — even legitimate gifts from family — raise questions and require donor letters and source-of-funds documentation. Kashfbank's running balance column makes the seasoning visible: scroll back, find the date the down-payment funds first appeared, count forward.
For a Qatar real estate purchase, the practical preparation is to pull 12 months of statements, convert them into a single Excel, and walk through the rows yourself before the underwriter does.
High-quality text-layer PDF with QNB Group branding. Bilingual Arabic-English. QAR balance column updates with each transaction. Account header: IBAN, account type, statement period, customer segment. Q-Pay and NAPS references appear for domestic transfers. SWIFT references for international.
| Label | Meaning |
|---|---|
| راتب | Salary credit (WPS) |
| تحويل NAPS | Q-Pay / NAPS domestic transfer |
| تحويل خارجي | Outward international transfer |
| سحب ATM | ATM withdrawal |
| دفع بطاقة | Debit/credit card payment |
Rules in Qatar differ — see our country guide
Pull 12 months from QNB Mobile
QNB Mobile Banking exports up to 24 months of history. For mortgage purposes, 12 months is the working minimum; 24 is preferred for self-employed or commission-based applicants. Download as PDF.
Convert into one merged Excel
Upload to Kashfbank. The export gives you a continuous chronological sheet across the full period. The QAR balance updates after every row — that is your seasoning evidence.
Document the down-payment trail
Highlight the rows that built up the down-payment. If funds came from a property sale, attach the sale deed. If from a family gift, attach the gift letter and donor source-of-funds. The underwriter will ask for both; pre-attaching saves a round trip.
Submit with the PDF originals
QNB's mortgage desk requires the bank-stamped original PDFs. Your Excel export is for your own preparation and for your real estate advisor — it speeds up the conversation about which row needs documentation.
Common challenges
What is the maximum loan-to-value for a Qatari national buying a primary residence?
Qatar Central Bank sets the regulatory ceiling on LTV ratios. QNB's product terms publish current LTVs, which vary by residency status (Qatari national, GCC national, expatriate), property type (primary residence versus investment), and investment zone. The current rates are on QNB's website — check before assuming.
Can a non-resident foreigner finance a property in Qatar through QNB?
Foreign nationals can buy in designated freehold and leasehold investment zones (Pearl-Qatar, Lusail, West Bay Lagoon, others). QNB offers financing on RERA-approved properties for both residents and non-residents, with different LTV and documentation requirements. Non-residents typically need 24 months of statements and a stronger collateral position.
How does QNB treat down-payment funds that came from outside Qatar?
International inbound wires for down-payment purposes must be source-of-funds documented. The underwriter will ask where the money came from before it entered Qatar, which often means submitting statements from your home-country bank as well. Kashfbank handles statements from many international banks if you need to convert those too.
Are bonus payments counted toward qualifying income?
QNB typically accepts a portion of bonus income (often half) if there is a multi-year history of consistent bonuses. A one-off bonus does not count. Kashfbank's export lets you isolate and total bonus credits across the full 12-month statement so you and the underwriter agree on the qualifying figure.
Freelancers
Extract, categorize, and export freelance income and expenses from PDF bank statements — ready for 1099, self-assessment, or ZATCA filings.
Tax Preparation
Convert PDF bank statements to clean spreadsheets for Zakat, VAT, corporate tax, and self-assessment filings across GCC and international markets.
Loan Applications
Prepare clean, lender-ready bank statement exports that prove stable income and responsible financial behavior for personal and business loan applications.
Upload PDF, get Excel in seconds
Try it free10 free credits on signup
Regulator: Qatar Central Bank (QCB)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English