If you have an existing loan with Gulf Bank, you may be eligible to take a new loan that will be used to settle the old loan and access additional funds. (Excluding credit cards) and access additional funds.

The new loan will be booked as a new loan contract at the latest interest rates.

Your existing loan must be of the same type (Consumer or Housing Loan) as the loan you wish to Top Up.

You should have made at least 30% of the number of monthly installments required for you to complete the term of your loan only ( If you have multiple loans, only those meeting the 30% rule are eligible)

You should be up to date with your monthly installments.

Your new loan will be subject to Gulf Bank’s Credit Policy and Central Bank of Kuwait Regulations.

For Consumer loans, you may borrow up to 25 times your net monthly salary (maximum KD 25,000) subject to your installments being less than 40% of your net monthly income (30 % for pensioners).

For Housing loans, you can borrow up to KD 70,000 subject to your installments being less than 40% of your net monthly income (30% for pensioners).

Obtain an updated Salary Certificate from your employer, stating the net income.

A Valid Civil ID and Passport for expats.

Visit your Gulf Bank branch to provide the updated Salary Certificate and complete the application form.