First: Housing Loans
To grant the loans referred to in the previous article, the following conditions must be met:
The applicant must not meet the conditions of a family entitled to housing care in accordance with the provisions of Law No. (47) of 1993.
The applicant must not have previously benefited from housing care provided by the State. In particular, the applicant shall be deemed to have benefited from housing care for the purpose of this condition if she previously obtained a loan amounting to seventy thousand Kuwaiti dinars with her ex-husband, deceased husband, or brothers, and the loan is still outstanding with the bank, provided that her share of the loan is 50% or more. If her share is less than 50%, her share shall be deducted from the new loan.
The applicant must not be benefiting from a right of residence or a housing alternative by way of rent unless she relinquishes such right or alternative.
Two years must have elapsed since the occurrence of an irrevocable divorce.
The applicant must remain unmarried until the date of eligibility for the loan.
The applicant must have a son or daughter who has never been married, or be a widow or a divorcee without children.
The children of the divorced applicant must be under her custody pursuant to a final court judgment or an officially documented declaration issued by the husband.
She must not own a property with an area exceeding 200 square meters, nor be a partner in the ownership of a property where her share falls within this area. provided that in both cases suitable housing care is made available to her. For the purpose of applying this condition, a property shall be considered owned if it has been transferred, directly or indirectly, through her, by any means, to one of her children.
Second: Low-Rent Housing
To be eligible for suitable housing, the applicant or her husband must not be enjoying a housing benefit or a cash allowance in lieu thereof from the employer.
The party providing the suitable housing shall be bound by the conditions stipulated in the lease contract, in particular the following:
Maintaining the housing unit in its existing condition without making any modifications or additions unless approved by the bank.
Paying the rental amount on the specified due dates.
Allowing beneficiaries residing with her to make use of the housing.
Not leaving the housing unit unused, without an excuse acceptable to the bank, for a period exceeding ninety days.
Not subleasing the housing unit, in whole or in part.
Not using the housing unit for purposes other than residence or in violation of the laws.
Not disposing of the housing unit, in whole or in part, through any form of disposition.
The bank may add any other conditions or obligations to the lease contract.
In the event of a breach of any of the obligations stipulated in the preceding article or in the lease contract, the Bank shall notify the violation by a registered letter sent to the residential address in order to rectify the violation.
If the causes of the violation are not corrected within the specified period, the Bank shall have the right to vacate the housing unit through administrative means without the need to take any judicial action.
The Bank shall update the beneficiaries’ data annually.
Housing care, in both of its types, shall be provided according to the order of registration of applications with the Bank.
The lease contract shall be terminated, and the Bank shall recover the leased housing without notice, warning, or any procedure in the event that any of the eligibility conditions are no longer met, and in the cases specified for each of the following categories, in particular as follows:
Reasons for termination of the lease: Death of the tenant and the youngest child reaching the age of twenty-six, unless she has an unmarried daughter, in which case the lease shall continue until her marriage or death, whichever occurs first. Beneficiary category: a) Divorced or widowed Kuwaiti woman with children, b) Kuwaiti woman married to a non-Kuwaiti and has children.
Reasons for termination of the lease: Death of the tenant, and the husband shall be granted a period of three months from the date of death to vacate the housing.Beneficiary category: Kuwaiti woman married to a non-Kuwaiti residing in Kuwait, whose marriage has lasted five years and who has no children.
Reasons for termination of the lease: Marriage or death of the tenant. Beneficiary category:a) Kuwaiti woman divorced by an irrevocable divorce and has no children, b) Kuwaiti widow with no children,c) Kuwaiti woman who has never been married.
