They are a suite of digital services launched by the Ministry of Housing and Urban Planning. These services enable beneficiaries to complete all procedures related to contracts electronically including reviewing, approving, and downloading the contracts without the need for a physical visit. This initiative aims to accelerate service delivery and ensure the transparency of all procedures.
Yes, the beneficiary of the housing financing service can change the type of financing allocated to him/her, according to the procedures approved by Eskan Bank and as long as he/she has fulfilled the terms and conditions.
The “Tumooh” Program is a supplementary financing scheme offered to citizens who have previously benefited from housing finance programs (Tas’heel / Tas’heel+), in addition to those who have previously benefited from purchase financing for the purpose of buying a residential apartment.
Yes, it can be transferred, and the conditions regarding age and income are excluded for those who wish to transfer and have existing applications for which no monthly income ceiling has been set.
The “Tumooh” Program aims to empower citizens to progress in their housing journey according to their evolving needs.
The service aims to streamline administrative procedures, minimize time and effort for beneficiaries, and reduce the frequency of physical visits to the Ministry. Additionally, it seeks to eliminate paper-based transactions and provide a secure, reliable digital environment that adheres to the highest technical standards.
No, transferring to one of the new types of housing finance does not affect the seniority of the housing application.
To enable citizens to progress in housing according to their needs by selling their apartment and purchasing a larger property with financial support.
The system comprises three primary services:
- Electronic Contract Approval: Facilitates the digital approval of usufruct contracts without requiring physical presence.
- Contract Viewing Service: Allows beneficiaries to access, view, and download certified contracts.
- Relevant Authorities’ Letters: Provides access to official correspondence issued following the handover of unit keys.
The value of the financing is calculated based on the applicant's income, and the value of the financing can be identified by taking advantage of the "Loan Calculator” service available within the electronic services provided by the Ministry of Housing and Urban Planning in Bahrain.bh National Portal.
Enables Citizens to upgrade their housing in line with their needs through financial support.
No. Beneficiaries can review and approve their contracts entirely online through the digital platform, eliminating the need for an in-person visit.
Yes, the spouses can submit a new application or one of them can join the application at any time before the allocation of the financing, or within six months from the date of its allocation, provided that the joint income of the spouses does not exceed the maximum financial limit allowed for the required housing financing, with compliance to all terms and conditions of the eligibility criteria.
- Ten years must have passed since the purchase of the first property.
- The purpose of the first financing must have been “apartment purchase.”
- The applicant must not have previously benefited from a renovation loan or the “Amanat” Program.
- The monthly income must be between BHD 600 and BHD 1,200.
Yes. To begin utilizing the service, users must authenticate their identity by logging in exclusively via the eKey (Level 2.0).
Yes, if the application is submitted by the wife, or by both spouses with a consensual agreement between them, provided that both their incomes combined does not exceed the maximum financial limit allowed for the required housing service.
Citizens who have purchased a residential apartment through one of the financing options (Tas’heel / Tas’heel+), as well as those who have previously benefited from a purchase financing, provided that 10 years have passed since the date of their benefit.
Each contract is issued with a QR Code linked to the National System for Government Document Verification. By scanning this code, contract data can be retrieved directly from the official platform, providing immediate and reliable verification.
Monthly installments are paid by both spouses according to the installment specified for each of them according to the financing value unless they agree otherwise.
A fixed installment of BHD 138 to benefit from an additional financing amount of BHD 20,000 under the “Tas’heel / Tas’heel+” Program options, to be repaid by the beneficiary over a period of 15 years.
- Reduction in the number of required visits to the Ministry.
- Fast and efficient completion of administrative procedures.
- Provision of a reliable digital reference for the contract.
- Easy, 24/7 access to contracts and official letters.
- Enhanced transparency and simplified document verification.
The repayment period is up to 30 years.
Yes. The service significantly reduces the volume of required paperwork, automates manual processes, and minimizes reliance on printing and physical correspondence. This, in turn, enhances operational efficiency and strengthens governance.
BHD 70,000.
Electronic Contract Services represent a fundamental pillar of the Ministry’s comprehensive digital transformation strategy. By providing integrated, rapid, and secure digital solutions, the Ministry continues to enhance the overall experience for all beneficiaries.
It is a certificate that qualifies the applicant to benefit from the financing service, provided that the necessary requirements by the Ministry of Housing and Urban Planning, Eskan Bank and the financing bank are met, in preparation for issuing the decision to allocate the housing service.
It is a financing program, which allows the citizen who meets the housing services criteria, to benefit from property financing from one of the participating banks in the housing financing program, with government subsidy provided by the Ministry of Housing and Urban Planning.
- Purchasing a land plot
- Purchasing a dwelling
- Construction of a dwelling
- Purchasing & Construction of a land plot
- Government-subsidized financing
- A financing fixed monthly installment amount.
- First installment payment starts after 6 months.
- Property Price Ceiling is not required.
- Obtaining a larger financing amount when the deduction rate is increased (optional)
- Property Registration Fees coverage up to financing amount.
- Government-paid life insurance coverage.
- Coverage of administrative fees.
- In case of early payment by the beneficiary, the financing value obtained by the citizen decreases due to their benefit of the government subsidy's full value.
- Promotional offers and services provided by the financing banks.
- The citizen must be in the age group of 21 and 50 years according to the participating banks’ requirements and standards.
- The monthly income should be between BD 150 and BD 1,200 depending on the participating banks’ requirements and standards, in addition to the housing services standards specified in the housing system.
The maximum financing amount is BD 70,000.
Tas'heel Financing repayment period reaches up to 30 years with fixed monthly installments.
A 25% monthly salary deduction rate is calculated between BD 320 to BD 674, while those with incomes between BD 675 to BD 1,200 can increase the desired deduction rate, optionally, to either 25%, 30% or 35%, in order to obtain a higher financing amount value of up to BD 70,000, which depends on the beneficiary's allowable debt ratio.
- Eskan Bank
- Al Salam Bank
- National Bank of Bahrain (NBB)
- Bahrain Islamic Bank (BisB)
- Ahli United Bank (aub)
- Khaleeji Commercial Bank B.S.C.
- Al Baraka Islamic Bank
- Bank of Bahrain & Kuwait (BBK)
The program is subject to the terms and conditions of the housing system and the participating banks standards.
Housing financing intended to finance the use of the property of a relative, and for the purpose of purchasing a house, purchasing land, purchasing and building land, purchasing a building and adding to it, building a house, or adding to an existing building within a property owned by a relative of the husband or wife.
Yes, this must be done either under a separate title deed or a title deed with common shares equal to his/her share in the property.
If a separate title deed was issued for the property, this is a guarantee that there will be no disputes in the future, and since it is not possible to issue a separate title deed for the financed home in the main property in some cases, for reasons including minimum area requirements, in such cases the owner of the main property signs declarations guaranteeing that he/she does not dispute the beneficiary in the house, and a consensual division/settlement contract is concluded between the beneficiary and the owner of the main property where specifications and boundaries of the house are determined.
Financing intended to benefit from the financing feature collectively, and for the purpose of purchasing a house, purchasing land, purchasing and building land, purchasing and adding to a building, or building a house, jointly among a group of beneficiaries.
No specific number is required, with the area of the property must be commensurate with the number of group members, so that each of them obtains an independent unit that meets the conditions of adequate housing.
The value of the property must cover the total value of the financing allocated to the group of beneficiaries, and the value of the financing for each beneficiary and the value of his/her share in the property must be proportional.
Ownership of the property shall be transferred in the name of all the beneficiaries participating in the group, by virtue of separate ownership documents/title deeds or common shares, depending on the case.
The beneficiary shall not be entitled to withdraw from the use of the financing after its allocation unless the group agrees, and after the bank ensures that this does not affect the construction or purchase process.
Any of the owners of new or existing housing applications may be included in the group's application prior to the issuance of the allocation decision, provided that all conditions for benefiting from the financing are met and with approval of the members of the Group.
In this case, the group members must request the inclusion of a new individual in the group, cover the difference in the value of the property or the cost of construction, or replace the property to be purchased with another commensurate with the total value of the financing allocated to the group.
A maximum of BHD 70 per member of the group, each according to his/her income.
The benefits and criteria ofthe current Mazaya program have not been changed, as it is possible to apply tobenefit from the Mazaya program to purchase an existing house whose value doesnot exceed BHD 120,000, with the same financing value of BHD 81,000, for theage group from 21 - 35 years.
New options have been added to the Mazaya program (New category), which are purchasing a house, building a house, purchasing land, purchasing land and building it, and the ceiling of the financing value is determined according to age and rate of deduction. Furthermore, the beneficiary age has also been raised to 40 years, and the repayment rate is from 25 to 35% of income depending on age, according to the standards approved by the financing banks.
The monthly income of the applicant at the time of application and until the financing is disbursed from the financing bank shall not be less than BHD 600 and not more than BHD 1,200.
The beneficiary of the Mazaya program (New Category) is obligated to pay a minimum of 10% of the financing value in advance.
Tas’heel+ financing is a Real estate financing from one of the lending banks that includes a financial subsidy. The amount is determined based on the monthly income of the beneficiary and is intended for purchasing a home, purchasing land, or purchasing land and constructing a home. Repayment is made in monthly installments not exceeding 35% of the approved beneficiary’s monthly income at the time the allocation decision is issued.
The financing can be used for purchasing a home, land, or purchasing land and constructing a home.
• Monthly income is not subject to periodic updates.
• The maximum limit for the program is up to 91,000 Bahraini Dinars, based on the monthly income at allocation time.
• For the convenience of citizens, deductions will be made gradually, starting from 20% to 30% or from 25% to 35%.
- The applicant's age must be between 21 and 40 years.
- Eligible individuals are those with a monthly income between 600 and 1,200 Bahraini Dinars.
- The employer must be accredited by the lending bank.
The maximum limit for the financing is 91,000 Bahraini Dinars, while the minimum limit is 57,000 Bahraini Dinars, based on the monthly income at allocation time.
| When choosing a deduction rate of 30% | |||
| Years | 1st 5 years | 2nd 5 years | Remaining Repayment Period |
| Deduction Percentage | 20% | 25% | 30% |
| When choosing a deduction rate of 35% | |||
| Years | 1st 5 years | 2nd 5 years | Remaining Repayment Period |
| Deduction Percentage | 25% | 30% | 35% |
Yes, is it possible to submit a request to consolidate the spouses’ incomes to obtain the maximum Tas’heel+ Financing, or one spouse may join the application at any time before the allocation of the financing, provided that all other eligibility criteria are met.