dont want to appear a killjoy but!
why do people take bank loans? I have Indian colleagues who have taken bank loans for up to 5 years of installments for brand new cars.
I'm happy to buy an older car for cash but am not so cool as these guys!
Never borrow more than you can repay quickly. This is Qatar, you cannot decide how long you will stay here, others decide that. Don't carry on as though all will be well for the next 5 years, it won't! But however to those sympathising with the banks I would say that any bank offering loans of up to 7 years full salary as a loan to people who may spend the money on a car, a holiday, property or shares which have no guaranteed resale value have a huge responsibility here also. All will suffer and so should banks for irresponsible lending.