| Criteria | Requirement |
| Property | Must be in located in the Kingdom of Bahrain |
| Eligibility | Resident and Non Resident individuals whether Salaried or Self Employed, Corporates |
| Age | For Individuals:Minimum age: 21 yearsMaximum age: 60 years for salaried Applicants and 65 years for self-employed applicantsIn case of Joint Applicants, the maximum tenor considered would be based on the maximum age of either of the applicants. |
| Limits on financing | Minimum: BD 20,000Maximum: BD 350 million |
| Number of joint applicants | Maximum 3 |
| Minimum Income | Single Applicant: BD 350 Joint Applicant: BD 500 |
| Length of Service | Resident & Non Residents Individuals: Minimum 3 years of continuous service |
| Financing | For Individuals & Residents: Up to 90% of property value.For GCC Residents: Up to 80% of property value.For Non Residents & Corporates: Up to 70% of property value |
| DBR (Debt Burden Ratio) Proportion of all monthly obligations to banks/financial institutions against Monthly Income | Maximum 55% |
| Insurance | Life Insurance requiredProperty Insurance required |
| Security | Depending on the type of financing, property will be either required to be registered in Sakana’s name or mortgaged to Sakana.Security cheques Corporate Guarantee Personal Guarantee |
| Other security | Security cheques Guarantees may be required depending on case to case basis |
| Repayments | Options:Post Dated Cheques (PDC)Installment transfer directly from EmployerIrrevocable standing order instruction from your bankers |
