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Affordable Housing

Low interest loans for affordable housing

Low interest housing

Our Affordable Housing Loan is a low interest loan for purchase of non-luxury flat provided under the Affordable Housing scheme.

While your pension fund savings can be used to finance the equity contribution, the exact equity contribution will be decided by the Bank based on the available balances of your bank accounts in all local banks combined as well as the balance available on your retirement savings account at MPAO.

Key features

How to apply?

If you are in Male', you can make an appointment to apply for a Affordable Housing Loan through our Booking Portal and arrange a time to visit our Loan Centre. Once an appointment is successfully made, you will receive an SMS with your appointment time to visit the Bank.

If the appointment slots for the day is full, please try again for the next working day. Appointments can be made from 12am on the day before each working day. 

Our Loan Centre is open from 8:30am to 2:00pm, Sundays to Thursdays (except public holidays).  

If you are outside of Male', you can submit an Affordable Housing Loan Application Form to your nearest branches, along with the required supporting documents. 

Affordable Housing Loan

Loan Calculator

Loan Amount
Repayment Period
Monthly Repayment

Please note that this is an estimate, and may differ from the actual repayment amount.

Loan calculated at 5% interest.

Application process

Once you submit your application, we will begin its assessment and contact you on what the next steps are. We will aim to complete this process as soon as possible but processing time will vary between individual applications.

If you’re eligible for our Home Loan under commercial terms, you will not qualify for Affordable Housing Loans.

Useful downloads

Home Loan Application Form Dhivehi
FAQ-Home Loan Dhivehi
Personal Customers declaring a business income English