Banque de l’Habitat S.A.L.was established as a Lebanese joint-stock company by virtue of decree No 14 dated 15/1/1977 amended by the law No.283. It is a mixed company between the Lebanese Government and the Private Sector (Banks, Insurance companies, Individual investors). Its total paid up Capital is currently 150 Billion LBP (80% owned by the private sector & 20% by the public sector). Banque de l’Habitat S.A.L. is a member of the Association of Banks in Lebanon and it appears on the list of Banks under No 41. Ever since its establishment, the Bank complies with the Collective Labor Agreement rules & conditions.

Banque de l’Habitat S.A.L.grants long-term housing loans in Lebanese Pounds, and manages the portfolio of Foreign Worker’s Certificates of Deposit as per decree No 283 dated 30/8/1993.

The Bank’s goal is to provide loans to individuals, especially those with limited or average income for the purpose of acquiring or renovating a housing unit. The Bank also grants financing to housing cooperatives.

Banque de l’Habitat S.A.L. manages public & private funds that aim particularly at financing operations of housing loans, especially those that form a benefit for categories specified in the housing law, provided that it takes into consideration the loaner’s terms, if there are any. 

Mission statement

Banque de L’Habitat S.A.L.is a socially responsible bank. We are committed to making a substantial contribution towards the housing and real estate sector in order to develop our economy, strengthen our communities and enable Lebanese citizens to build a sustainable future in Lebanon.