You can apply for a loan at any Bank Muscat branch near you or request for a Direct Sales Agent to visit you by just dialing our Call Centre toll (+968) 2479 5555 .

To evaluate the qualification, the minimum set of documents required are your ID card copy, your salary certificate (mentioning your salary and your date of employment) and your bank statements of the previous six months (for non-Bank Muscat account holders or account holders whose salary does not get credited to their Bank Muscat account).

Salary assignment is a written declaration from the employer informing the bank that your salary will be credited/assigned to your account at Bank Muscat, till such time you work for your employer, unless there is a written release from the bank. The letter should clearly mention your salary and your account number with us.

A guarantor can be a person who has assigned his/her salary to Bank Muscat and who meets the credit qualification criteria of the bank. If he/she has been approved to qualify, a signature on the loan application form will confirm that he/she stands as guarantor for the particular loan. However, a guarantor may not be required for all loans. At the time of processing the loan, the bank will inform you if you need to provide a guarantor. When you provide the guarantor's name and account number, the bank will evaluate and inform you whether the person qualifies as a guarantor.

The basic parameters considered for qualification are the age, salary, length of service, employer and repayment capability of the person proposed as a guarantor. However, the bank may use additional criteria depending on the loan amount, type of loan, etc.