I agree with Yacine, most banks would require you to have your monthly salary credited to your account for 6 months before you could avail of a loan. The banks will say that's a new rule. Honestly, I do not think you can get an initial loan of QAR150,000 based on your salary. They will give you an initial loan based on their calculations and then they will tell you that you can re-apply for an additional one later on. That's their usual line.