it's very easy to get a loan from the bank here...no guarantor required..just a letter from your company/ copy of your passport and rp are needed... time for processing takes a maximum of 3 to 5 working days only...if you are going to get a flat i would advice take a minimum of 3-year contract....it would cost you less if you want to stay long to that flat...otherwise your rental would be increased by at least 10% every year.....35K monthly salary is more than enough living a decent life in Doha...