If exceeding 60 years of age at maturity of the loan, then a guarantor is required.
A holder of a valid Lebanese driving license.
At least 2 years of uninterrupted service with current employer (for employees).
Or registered at the trade registry with a minimum of two years history in business (for self-employed).
Minimum monthly basic salary including family and transportation allowances or an average monthly income equal to:
$650 (if single).
$800 (if married).
Monthly debt payments (if any) should not exceed one third of the monthly income.
Required Documents
For Employees:
Copy of ID card.
Official pay slip or official salary attestation (dated not exceeding 21 days) signed by the employer, showing basic monthly salary, family and transportation allowances, and attesting min 2 years of employment.
It should be certified by the employer’s bank accompanied by a copy of the employer’s commercial circular.
Residence attestation.
Statement of account for last 3 years.
Copy of valid driving license.
For Self-Employees/Professionals:
Copy of ID card and copy of membership ID card.
Copy of the latest annual tax receipt.
Residence attestation.
Latest certified bank account statement for the past 3 months.
Copy of a valid driving license.
For Entrepreneurs:
Copy of the commercial circular duly certified.
Copy of ID card.
Copy of the latest annual tax receipt.
Latest bank account statements for the past 3 months.
Copy of a valid driving license.
For Company Owners:
Copy of the commercial circular duly certified.
Copy of ID card.
Copy of Company Bylaws showing the borrower's rights.
Copy of the latest annual tax receipt.
A bank account statements for the past 3 months.
Copy of a valid driving license.
Guarantor
Same eligibility requirements and required documents except for driving license.
Special car loan for Lebanese Army
Profile
Resident
Minimum age of 21 years and not to exceed 64 years at maturity of the loan
Minimum of 2 continuous working years
Minimum monthly income equivalent to USD 600
Monthly payment should not exceed 1/3 the monthly income
Requirements
Copy of original national identification card or valid passport
Residence statment
Proof of income: recent and original authenticated salary slip/original employment certificate(1 month old max, showing employment date), position held, NSSF number or a copy of the security card certification (if available)
Driving license
Specification
Financing up to 85% of car price
Min Loan Amount Equivalent to 5,000$ and Max Equivalent to 100,000$ USD
Used Car Loan:
Age:
less than or equal 10 years of age
Korean cars age: 3 years max
Chinese cars are excluded
Rate for New Car in USD starting 3.1%
Rate for Used Car :
- LBP: 6.5% fixed rate and a min of 5.9% floating rate
- USD: 5.25% fixed rate and a min of 4.75% floating rate
Securities
life insurance covering the outstanding balance of the loan
An all-risk policy on the vehicle over the entire loan duration included in the loan installments
A mortgage on the car in favor of SLCB up to capital and interest
Benefits
Zero file fee
Proof of income is not required when financing up to 50% or less
Special Car loan offer for MEA
Education Loan
Education Loan
SLCB school loan allows you to finance up to half your children’s tuitions with easy monthly payments, and give them the education they deserve with competitive interest rates.
Amount: Up to LBP 9,000,000
Max loan Period: 9 months
File Fee
LBP 235,000 for amounts less than LBP 5000,000
LBP 375,000 for greater amounts
Benefits
0% interest for educational loan
Life free insurance for educational loan
Special Education loan for Lebanese Army
Requirements
School/university registration
University and school premium evidence
Receipt showing the contribution amount of the establishment
Specification
Amount: max LBP 5,000,000 for school loan
Max of: LBP 10,000,000 for university loan
Max Loan Period: 9 months
LBP 220,000 File fee for school
Securities
Life insurance covering the outstanding balance of the loan
Salary/bill domiciliation or transfer order or employer’s engagement for deducting the bill amount from the salary
Special Education loan offer for MEA
Personal Loan
Personal Loan
SLCB provides personal Loans with competitive interest rates.
Min age of 23 years old and not to exceed 64 by the end of the loan period.
Min monthly income equivalent to LBP 900,000 .
Min of 3 years working experience.
Monthly Payment should not exceed 1/3 the monthly income.
Required Documents
Identification card or valid passport.
A syndicate membership card if applicable.
Evidence residence.
Evidence income:
Employed: Recent salary slip or employment certificate.
Self Employed: Balance sheets or tax declarations for the last 2 years of business activity or bank statement of accounts (for the last 12 months).
Company's commercial circular or extract of commercial register.
Start up: audited feasibility study for the upcoming years (minimum 3 forecasted years) – supporting documents for the new business (leasing contract)
File Fee & Stamp
USD 75 or LBP 115,000 for loan amount>USD 10,000 or its equivalent
USD 40 or LBP 60,000 for loan amount<=10,000 USD or its equivalent
SLCB, Army and corporate employees are exempted from the file fee
Total stamps for a loan amount of 30 million for 1 year:
Contract: LBP 10,000 for borrower
Bill: LBP 10,000 for borrower
Guarantee: LBP 10,000 for guarantor
Securities
Life insurance covering the whole loan period.
Personal Guarantee or salary domiciliation or bank transfer order of the bill amount.
Other securities on case by case basis.
Benefits
3 months grace period before starting repaying loan
5 days grace period for bill payment
3 free bill domiciliation for free for the army and max 2 for corporate
Special Personal loan for Lebanese Army
Profile
Minimum age of 21 years and not to exceed 64 years at maturity of the loan
Minimum monthly income equivalent to LBP 900,000
Monthly payments should not exceed 1/3 the monthly income
Requirements
Military card
Specimen no 2
Residence evidence
Proof of income: Recent and original authenticated salary slip or original employment certificate (1 month old max), showing employment date, and position held
Specification
Loan amount: till 45 LBP million
Loan period: between 1 and 6 years
Special Interest Rates:
Loan in LBP:
1 to 3 years: 7.75%
4 years: 7.95%
5 to 6 years: 8.5%
Where grace period is requested, additional 0.25% is charged.
The max loan amount may be 75 LBP million with a decrease of 0.25% on the applicable regular interest rate
Securities
life insurance covering the outstanding balance of the loan
Salary/bill domiciliation or transfer order or employer’s engagement for deducting the bill amount from the salary
Benefits
Zero file fee
3 months grace period before starting repaying the loan
5 days grace period for bill payment
Special Personal loan offer for MEA
Solar Loan
Ask for loan Thru GreenPack
Business Loan
Business Loan
SLCB offers you a wide range of financial services to help you build a sustainable and profitable business.
Amount: Up to LBP 75,000,000 or equivalent
Period: Up to 6 Years
Business activities
Eligibility Criteria
Resident.
Employed or self Employed.
Min. age of 23 years old and not to exceed 64 by the end of the loan period.
Min. monthly income equivalent to LBP 900,000 .
Min of 3 years working experience.
Monthly Payment should not exceed 1/3 the monthly income.
Required Documents
Identification card or valid passport.
A syndicate membership card if applicable.
Residence evidence
Proof of income:
Employed: Recent salary slip or employment certificate.
Self Employed: Balance sheets or tax declarations for the last 2 years of business activity or bank statement of accounts (for the last 12 months).
Company's commercial circular or extract of commercial register.
Start up: audited feasibility study for the upcoming years (minimum 3 forecasted years) and/or – supporting documents for the new business (leasing contract)
Securities
Life insurance covering the whole loan period.
Personal guarantee or salary domiciliation or bank transfer order of the bill amount.
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