I'm sorry ...........I have a different idea.......... Bank loans are cheaper in Qatar as compared to other Asian countries........ As an investor you can take a bank loan ...... the common interest rates in Qatar is varies from 3.5 % to 5.5% ..........It's customers decision to choose banks .......As all of them mentioned above they have a lot of hidden charges......For example ..... usual cheating triangle will be like this ...... Loan amount ............+ BANKING CHARGES + INSURANCE + INTEREST ( optional cheating on request by offering Platinum credit cards with annual charges ).............. Never ever go behind the lowest or Zero % interest offers ,get quotations from all the leading banks ....... calculate the triangle charges in QAR .............. try to bargain ......go with the best option ........' Make a conscious effort to learn and grow .What you don't know about money will make you broke and keep you there .......'