+971
ADIB Home Loan for Expats

ADIB Home Loan for Expats

Abu Dhabi Islamic Bank (ADIB)

MINIMUM SALARY

AED 15,000

FIXED RATE

2.06%

LOAN AMOUNT

AED 15,000,000

REDUCING RATE

3.75%

DOWN PAYMENT

25.00%

  • Free property insurance for the entire tenure
  • Optional grace period up to six months
  • Automatic priority status upgrade
  • Life insurance financing

Minimum Salary Required

AED 15,000

Max Loan Amount

AED 15,000,000

Fixed Rate

2.06%

Reducing Rate

3.75%

Down Payment

25.00%

Key Features

  • Six months optional grace period (for Salary Transfer customers)
  • ADIB paid property insurance for the full tenure
  • Financing of up to 80% of property value
  • No early settlement fees when selling the property
  • Free partial settlement of up to 30% outstanding annually
  • Salary transfer is optional
  • Financing available for self-employed applicants
ADIB Home Loan for UAE Nationals

ADIB Home Loan for UAE Nationals

Abu Dhabi Islamic Bank (ADIB)

MINIMUM SALARY

AED 10,000

FIXED RATE

2.06%

LOAN AMOUNT

AED 20,000,000

REDUCING RATE

3.75%

DOWN PAYMENT

20.00%

  • Free property insurance for the entire tenure
  • Optional grace period up to six months
  • Automatic priority status upgrade
  • Life insurance financing.

Minimum Salary Required

AED 10,000

Max Loan Amount

AED 20,000,000

Fixed Rate

2.06%

Reducing Rate

3.75%

Down Payment

20.00%

Key Features

  • Financing of up to AED 20 million for UAE Nationals
  • Six months optional grace period (for Salary Transfer customers)
  • ADIB paid property insurance for the full tenure
  • Financing of up to 80% of the property value
  • No early settlement fees when selling the property
  • Free partial settlement of up to 30% outstanding annually
  • Salary transfer is optional
  • Financing available for self-employed applicants
CBD Mortgage Loan

CBD Mortgage Loan

Commercial Bank Of Dubai (CBD)

MINIMUM SALARY

AED 12,000

FIXED RATE

1.65 %

LOAN AMOUNT

AED 15,000,000

REDUCING RATE

2.99 %

DOWN PAYMENT

25.00 %

  • 0% Processing Fee on Buyouts

Minimum Salary Required

AED 12,000

Max Loan Amount

AED 15,000,000

Fixed Rate

1.65 %

Reducing Rate

2.99 %

Down Payment

25.00 %

Key Features

  • 0% processing fees on Buyouts
  • 0% processing fees on Buyouts
  • High Loan amounts up to AED 20 MM
  • Tenure up to 25 years
  • Flexibility to repay up to 15% of your Outstanding every year without any additional charges or fees
  • Financing available for Salaried, Self-employed & Non-resident customers
Emirates NBD Commercial Properties Financing

Emirates NBD Commercial Properties Financing

Emirates NBD

MINIMUM SALARY

AED 25,000

FIXED RATE

2.75%

LOAN AMOUNT

AED 7,000,000

REDUCING RATE

4.99%

DOWN PAYMENT

2.75%

  • Up to 10 Yrs payment tenor for commercial properties

Minimum Salary Required

AED 25,000

Max Loan Amount

AED 7,000,000

Fixed Rate

2.75%

Reducing Rate

4.99%

Down Payment

2.75%

Key Features

A low-interest rate of 4.99%* fixed for 2 years
Up to AED 7M maximum loan amounts
Up to 60% Loan to Value
Up to 10 years repayment tenor

Things To Be Aware Of

Emirates NBD Home Loan for Expatriates

Emirates NBD Home Loan for Expatriates

Emirates NBD

MINIMUM SALARY

AED 20,000

FIXED RATE

2.89%

LOAN AMOUNT

AED 15,000,000

REDUCING RATE

5.25%

DOWN PAYMENT

25.00%

  • Competitive Interest Rates

Minimum Salary Required

AED 20,000

Max Loan Amount

AED 15,000,000

Fixed Rate

2.89%

Reducing Rate

5.25%

Down Payment

25.00%

Key Features

  • Loan amount offered up to AED 15 million* or 70 salary multiples, whichever is lower
  • Financing up to 75% of the property value
  • Loan tenor up to 25 years
  • Pre - Approval facility Available for salaried & self-employed individuals
Emirates NBD Home Loans for UAE Nationals

Emirates NBD Home Loans for UAE Nationals

Emirates NBD

MINIMUM SALARY

AED 10,000

FIXED RATE

2.89 %

LOAN AMOUNT

AED 15,000,000

REDUCING RATE

5.25 %

DOWN PAYMENT

20.00 %

  • Pre-Approval Facility

Minimum Salary Required

AED 10,000

Max Loan Amount

AED 15,000,000

Fixed Rate

2.89 %

Reducing Rate

5.25 %

Down Payment

20.00 %

Key Features

Loan amount offered up to AED 15 million* or 80 salary multiples, whichever is lower
Financing up to 80% of the property value
Loan tenor up to 25 years
Pre - Approval facility
Available for salaried & self-employed individuals

FAB Islamic Home Finance

FAB Islamic Home Finance

First Abu Dhabi Bank (FAB)

MINIMUM SALARY

AED 15,000

FIXED RATE

3.99 %

LOAN AMOUNT

AED 20,000,000

REDUCING RATE

0.55% + 3 months EIBOR in first year

DOWN PAYMENT

Upto 15.00%

  • Fixed profit rates starting from 3.99% per year
  • Up to 85% financing for first-time buyers
  • No approval-in-principle fee

Minimum Salary Required

AED 15,000

Max Loan Amount

AED 20,000,000

Fixed Rate

3.99 %

Reducing Rate

0.55% + 3 months EIBOR in first year

Down Payment

Upto 15.00%

Joining Offers

Enjoy fixed profit rates for up to five years if you have an existing FAB/FAB Islamic credit card or if you apply for an Islamic Credit card


Key Features

Enjoy fixed profit rates for up to five years if you have an existing FAB/FAB Islamic credit card or if you apply for an Islamic Credit card:

With a salary transfer to a FAB Islamic savings account and a credit card*
Fixed profit rate period of One year 3.99%, Three years 4.24% and Five years 4.49%
Without a salary transfer to a FAB Islamic savings account**
Fixed profit rate period of One year 5.24%, Three years 5.24% and Five years 5.24%

Other great benefits include:

  • More flexibility with our variable profit rates: One-year variable profit rate from 0.55% per year + 3 months EIBOR for the first year and 1.5% per year + 3 months EIBOR from the second year onwards
  • Up to 85% financing for first-time buyers
  • No approval-in-principle fee
  • Up to AED 12,500 in FAB Islamic Rewards when you transfer your salary to a FAB Islamic Savings Account and obtain FAB Islamic Credit Cards (1 AED = 250 FAB Islamic Rewards)
  • Exclusive deals on processing fees and discounted valuation fees on properties with major developers
  • Own your dream home today with FAB Islamic Home Finance.

*The subsequent profit rate you’ll move to when your current deal ends is 3 months EIBOR + 1.5% profit margin for customers with a salary transfer to a FAB Islamic savings account and it will not fall below a specified rate of 1.99% over an agreed period of time.

**The subsequent profit rate you’ll move to when your current deal ends is 3 months EIBOR + 1.89% profit margin for non-salary transfer customers and it will not fall below a specified rate of 1.99% over an agreed period of time.

Government Housing Program

Government Housing Program

Emirates NBD

MINIMUM SALARY

AED 10000

FIXED RATE

LOAN AMOUNT

AED

REDUCING RATE

0

DOWN PAYMENT

  • 0% interest on loan amounts up to AED 800,000
  • Zero Processing Fee and Discounted valuation fee
  • Optional Life insurance
  • Salary transfer is not mandatory for this Emirati home loan
  • Exclusively for UAE Nationals approved by SZHP

Minimum Salary Required

AED 10000

Key Features

  • Emirates NBD offers interest-free for maximum finance amount of AED 800,000, competitive interest rates, flexible repayment options, and personalized assistance throughout the loan process.
  • A salary transfer is not mandatory. However, you are encouraged to transfer your salary to Emirates NBD if you want to get other benefits, we offer to the UAE national segment.
  • The maximum finance tenor is 25 years.
  • The financing of the AED 800,000 amount is interest-free for the customer. Any additional amount required will be returned on your eligibility and at a special competitive commercial rate.
  • Financing is provided for both self-construction and ready property projects as follows:
    • Ready property finance – developed by SZHP
    • Ready property finance – developer or secondary market in the UAE
    • In case of a ready property purchase, you will pay a down payment of a minimum of 15% of the additional finance value taken over and above the grant amount of AED 800,000.
  • There are no processing fees.
  • Valuation fees are AED 6000 for self-construction and AED 3,000 for ready property, including VAT.
Green Home Loan

Green Home Loan

Abu Dhabi Commercial Bank

MINIMUM SALARY

AED 15000

FIXED RATE

LOAN AMOUNT

AED

REDUCING RATE

4.75

DOWN PAYMENT

15

Minimum Salary Required

AED 15000

Reducing Rate

4.75

Down Payment

15
Home Finance

Home Finance

Emirates Islamic

MINIMUM SALARY

AED 15000

FIXED RATE

LOAN AMOUNT

AED 30000000

REDUCING RATE

3.99

DOWN PAYMENT

20

  • Financing of up to AED 30 million for UAE Nationals
  • Attractive profit rates with both fixed and variable raes
  • Exclusive profit rates for financing developer purchase
  • ADIB paid property insurance ​​​​
  • Upto 80% loan finacing for Expats

Minimum Salary Required

AED 15000

Max Loan Amount

AED 30000000

Reducing Rate

3.99

Down Payment

20

Key Features

  • Financing of up to AED 30 Million For National and Expatriates or 85% of property value
  • As low as 3.99% per annum
  • Exclusive profit rates for financing developer purchase or handover payments
  • ADIB paid property insurance
  • Six months optional grace period (for Salary Transfer customers)
  • ADIB paid property insurance for the full tenure
  • Financing of up to 80% of property value
  • No early settlement fees when selling the property
  • Free partial settlement of up to 30% outstanding annually
  • Salary transfer is optional
  • Financing available for self-employed applicants
Home Loan for Non Residents

Home Loan for Non Residents

Mashreq Bank

MINIMUM SALARY

AED 15000

FIXED RATE

LOAN AMOUNT

AED 10000000

REDUCING RATE

1.49

DOWN PAYMENT

50

  • Loan value upto 50% of the FMV of the property
  • Upto AED 10 million
  • 25 years of tenor
  • Loan is offered to both salaried and self-employed

Minimum Salary Required

AED 15000

Max Loan Amount

AED 10000000

Reducing Rate

1.49

Down Payment

50

Key Features

  • Secure a Home loan of up to AED 10 million with Mashreq.
  • Loan is offered to both salaried and self-employed.
  • Low interest rate options to make your loan reasonable.
  • To a non UAE resident Mashreq finances up to 50% of the fair market value of the property.
  • The fair market value of a property is determined by a Mashreq approved Independent valuation agency
  • For home loans in UAE to a non-UAE Resident Mashreq finances up to AED 10 million.
  • Based on the financials Mashreq's home loan officer will assist you in determining your home loan eligibility.
  • For home loans in UAE to non-UAE residents the maximum loan tenor is 25 years.
Home Loan for Residents

Home Loan for Residents

Mashreq Bank

MINIMUM SALARY

AED 15000

FIXED RATE

LOAN AMOUNT

AED 10000000

REDUCING RATE

1.49

DOWN PAYMENT

15

  • Fixed and variable interest rate options available.
  • Minimal Paperwork
  • Cashback of up to AED 2000*
  • Dedicated Relationship Manager
  • Zero processing fee

Minimum Salary Required

AED 15000

Max Loan Amount

AED 10000000

Reducing Rate

1.49

Down Payment

15

Joining Offers

Enjoy up to AED 2,000 cashback, avail variable interest rates starting from 1.49% + 3 months EIBOR and many other benefits only with Mashreq Home Loans.

Home Loans for UAE Nationals

Home Loans for UAE Nationals

Emirates NBD

MINIMUM SALARY

AED 10000

FIXED RATE

2.89

LOAN AMOUNT

AED 25000000

REDUCING RATE

5.25

DOWN PAYMENT

15

  • Financing up to 85% of the property value
  • Loan amount offered up to AED 25 million
  • Government housing included
  • Competitive interest rates
  • Quick processing & fast approval

Minimum Salary Required

AED 10000

Max Loan Amount

AED 25000000

Fixed Rate

2.89

Reducing Rate

5.25

Down Payment

15

Key Features

  • Apply with a minimum salary of AED 10,000
  • Available for salaried and self-employed individuals
  • Finance up to 85% of the Property Value
  • Free life and property insurance
  • No application fee
  • Free partial settlement, up to 20% of the loan amount
  • Mortgage for government housing programs
  • Apply with a co-borrower
Islamic Home Finance For UAE Residents

Islamic Home Finance For UAE Residents

First Abu Dhabi Bank (FAB)

MINIMUM SALARY

AED 15000

FIXED RATE

3.94

LOAN AMOUNT

AED 20000000

REDUCING RATE

3.94

DOWN PAYMENT

15

  • Fixed profit rates starting from 3.94% per year
  • Up to 85% financing for first-time buyers
  • No approval-in-principle fee
  • Exclusive deals on processing and discounted valuation fees

Minimum Salary Required

AED 15000

Max Loan Amount

AED 20000000

Fixed Rate

3.94

Reducing Rate

3.94

Down Payment

15

Joining Offers

Enjoy fixed profit rates for up to five years if you have an existing FAB/FAB Islamic credit card or if you apply for an Islamic Credit card

Key Features

Enjoy fixed profit rates for up to five years if you have an existing FAB/FAB Islamic credit card or if you apply for an Islamic Credit card:

With a salary transfer to a FAB Islamic savings account and a credit card*
Fixed profit rate period of One and Two years 3.94%, Three years 4.09% and Five years 4.19%
Without a salary transfer to a FAB Islamic savings account**
Fixed profit rate period of One and Two years 4.34%, Three years 4.39% and Five years 4.44%

Other great benefits include:

  • More flexibility with our variable profit rates: One-year variable profit rate from 0.55% per year + 3 months EIBOR for the first year and 1.5% per year + 3 months EIBOR from the second year onwards
  • Up to 85% financing for first-time buyers
  • No approval-in-principle fee
  • Up to AED 10,000 in FAB Islamic Rewards when you transfer your salary to a FAB Islamic Savings Account and obtain FAB Islamic Credit Cards (1 AED = 250 FAB Islamic Rewards)
  • Exclusive deals on processing fees and discounted valuation fees on properties with major developers
  • Own your dream home today with FAB Islamic Home Finance.

*The subsequent profit rate you’ll move to when your current deal ends is 3 months EIBOR + 1.5% profit margin for customers with a salary transfer to a FAB Islamic savings account and it will not fall below a specified rate of 1.99% over an agreed period of time.

**The subsequent profit rate you’ll move to when your current deal ends is 3 months EIBOR + 1.89% profit margin for non-salary transfer customers and it will not fall below a specified rate of 1.99% over an agreed period of time.

Mortgage Home Saver

Mortgage Home Saver

Abu Dhabi Commercial Bank

MINIMUM SALARY

AED 15000

FIXED RATE

LOAN AMOUNT

AED 24000000

REDUCING RATE

4.74

DOWN PAYMENT

15

  • Enjoy up to 90%* savings on interest cost on a 25-year loan
  • Flexibility and control
  • Conventional Finance available
  • Financing up to 85% of property value for UAE Nationals

Minimum Salary Required

AED 15000

Max Loan Amount

AED 24000000

Reducing Rate

4.74

Down Payment

15

Key Features

  • Dedicated ADCB Mortgage Centres will ensure a convenient, seamless, and stress-free home-buying experience
  • Own your home faster– loan tenure can be reduced by up to 15 years* on a loan term of 25 years
  • More savings on interest cost – enjoy up to 90%* savings on interest cost on a 25-year loan term
  • Flexibility and control – a unique loan account linked to a highly flexible interest-bearing bank account
  • Experienced and dedicated Mortgage Relationship Managers to guide you through the entire loan process
  • Dedicated after-sales mortgage service and helpline
  • Ability to switch to a different mortgage variant anytime during the loan maturity period
  • Conventional Finance available
  • Financing up to 85% of property value for UAE Nationals and 80% for Expatriates.
  • Competitive Interest Rates with the following structures:
    • Hybrid Structure - Fixed for initial years and variable thereafter
    • Variable Rate Structure - Based on relevant EIBOR + Margin

  • Variable Rate Structure - Based on relevant EIBOR + Margin
  • Repayment tenure of up to 25 years
My Home

My Home

Abu Dhabi Commercial Bank

MINIMUM SALARY

AED 15000

FIXED RATE

LOAN AMOUNT

AED

REDUCING RATE

5.39

DOWN PAYMENT

  • Fast, Digital and Transparent
  • Get First Step Qualified instantly

Minimum Salary Required

AED 15000

Reducing Rate

5.39

Joining Offers

New to DIB customers who transfer their salary to DIB get a reward on credit of their first salary in addition to a host of privileges across the bank.

Key Features

Get First Step Qualified instantly and know your maximum finance amount and tenure

Flexibility to choose your monthlies by designing your profit rate structure & review period as per your preference. Your options are:

Variable rate option

  • Flexibility to choose your EIBOR review period.
  • Fixed margin for life linked to EIBOR with a choice of 3, 6 or 12 month review frequencies.
  • Just choose the review period you prefer.

Fixed rate option

  • Fixed rate for the life of the finance (Only DIB offers fixed rate via Ijarah contract).
  • Don’t worry about the rising EIBOR trends.

Introductory FIXED rates.

  • Choice from 1, 3-years up to 5-years fixed introductory rates. (subject to DIB offering the specific fixed rate period)
  • Follow-on variable rate comprises of a low margin + choice of either 3|6|12 month EIBOR review.
RAKBANK Home In One

RAKBANK Home In One

RAKBANK

MINIMUM SALARY

AED 15,000

FIXED RATE

2.69%

LOAN AMOUNT

AED 0

REDUCING RATE

4.87%

DOWN PAYMENT

25.00%

  • Low Cost Mortgage - Interest saving option
  • Nil In Principle Approvals (IPA) fees
  • Bundled Emirates Skywards World Elite Credit Card
  • Interest calculated on daily balances held
  • Competitive interest rates

Minimum Salary Required

AED 15,000

Fixed Rate

2.69%

Reducing Rate

4.87%

Down Payment

25.00%

Key Features

  • 3 Years fixed rates starting 2.69%* for salaried customers and 3.49% for Self Employed customers
  • Home in One links your current account balances to your mortgage facility in order to reduce the mortgage balance you’re charged interest on - this will help reduce your mortgage payments each month
  • Your low yielding deposits once placed in Home in One will yield the same rate as that on the loan. Additionally, you will have instant access to your funds.
  • Every deposit you make lowers your interest payments reducing your Facility tenor
  • You can withdraw your available balance at any time, just like any current account
  • Interest is calculated on your daily balances, reducing the effective rate of interest 
  • The Account offers all facilities of a Current Account i.e. Debit Card, Cheque book, Internet and Mobile banking.
  • Get a Emirates Skywards Credit Card (T&C apply) along with the Loan as a bundled offer.
RAKBANK Mortgage Home Loan

RAKBANK Mortgage Home Loan

RAKBANK

MINIMUM SALARY

AED 15,000

FIXED RATE

0.00 %

LOAN AMOUNT

AED 0

REDUCING RATE

3.24 %

DOWN PAYMENT

25.00 %

  • Low and affordable mortgage loan interest rates
  • Finance available on most ready projects with Title Deeds

Minimum Salary Required

AED 15,000

Fixed Rate

0.00 %

Reducing Rate

3.24 %

Down Payment

25.00 %

Key Features

  • Low and affordable mortgage loan interest rates 
  • Finance available on most ready projects with Title Deeds 
  • Flexible repayment periods for the Mortgage Loans 
  • Minimum formalities and fast approvals
  • High Mortgage loan amounts 
  • Dedicated Relationship Manager to assist you with your Mortgage requirements
Standard Chartered MortgageOne Account

Standard Chartered MortgageOne Account

Standard Chartered Bank (SCB)

MINIMUM SALARY

AED 30,000

FIXED RATE

1.95 %

LOAN AMOUNT

AED 18,000,000

REDUCING RATE

3.53 %

DOWN PAYMENT

20.00 %

  • Low Cost Loan utilising your savings

Minimum Salary Required

AED 30,000

Max Loan Amount

AED 18,000,000

Fixed Rate

1.95 %

Reducing Rate

3.53 %

Down Payment

20.00 %

Key Features

Shorter Loan Period: Since your payments go more towards your principle amount and less towards the interest, your loan tenure will be shorter.
Interest Savings: Interest is calculated daily on the difference between your loan balance and the money in your account.

Standard Chartered Saadiq Home Finance

Standard Chartered Saadiq Home Finance

Standard Chartered Bank (SCB)

MINIMUM SALARY

AED 30,000

FIXED RATE

1.95 %

LOAN AMOUNT

AED AED 18,000,000

REDUCING RATE

3.53 %

DOWN PAYMENT

20.00 %

  • Rent to Own option

Minimum Salary Required

AED 30,000

Max Loan Amount

AED AED 18,000,000

Fixed Rate

1.95 %

Reducing Rate

3.53 %

Down Payment

20.00 %

Key Features

High Financing Amounts: Take advantage of financing up to AED 18 million.
Shariah Approved: This product is approved by an independent Shariah Supervisory Committee, so you can bank worry-free while complying with Islamic Banking principles.

Standard Mortgage Loans

Standard Mortgage Loans

Abu Dhabi Commercial Bank

MINIMUM SALARY

AED 15000

FIXED RATE

LOAN AMOUNT

AED 24000000

REDUCING RATE

4.5

DOWN PAYMENT

15

  • Rates from 4.5% pa
  • Competitive Interest Rates
  • Option of Islamic or Conventional Home Finance
  • Repayment tenure of up to 25 years
  • Flexibility of partial settlement

Minimum Salary Required

AED 15000

Max Loan Amount

AED 24000000

Reducing Rate

4.5

Down Payment

15

Key Features

Option of Islamic & Conventional Home Finance Fixed Rate Options Repayment period of up to 25 years Financing up to 80% of property value Competitive interest rate options Flexibility to partially settle your mortgage loan anytime Refinancing Options