天美麻豆

If you鈥檙e a direct hire, it would be easier for you. You can apply to the bank where your salary is being credited in to.

But if you work as an outsource, you have to make sure that your local sponsor/employer is part of the bank鈥檚 approved list of employers. Hence, it鈥檚 going to be impossible for you to secure a loan or even credit card even though you have a high salary.

I did apply and I鈥檓 an outsource and my local sponsor is not part of the bank鈥檚 approved list.

Some bank鈥檚 website would immediately ask for your employer鈥檚 name or they would ask you once they called you. They will check their list and if employer is not there, they would tell you that you鈥檙e not qualified for a loan. This is also the same thing with financial institutions such as Tageer Finance, national finance etc. i think for national finance, you can avail provided that you have an Omani guarantor.

Also, aside from loans you cannot also get a credit card unless the application is against your deposit on the bank. Normally, 90% of the held amount will be your credit card limit

Sample/ you will deposit 1000 OMR to NBO. They will hold that amount. Meaning, it鈥檚 non-withdrawable.

And only 900 OMR will be your credit card limit

It doesn鈥檛 make sense to me but if you love travelling and shopping, credit card perks may benefit you like discounts and airport lounge.