Emirates Islamic
Home Finance

Salaried Residents:

• Copy of valid passport with a valid residence visa for Expatriates and National ID for Nationals (original required for verification)
• Copy of labor contract
• Original Salary Certificate less than 45 days old providing details on length of employment, current designation and salary package OR
• Salary Transfer Letter in case Salary is transferred to Emirates Islamic
• Last three months pay slips (if applicable)
• Last 6 months bank statements reflecting salary credits
• Liability letter less than 30 days old reflecting borrowings with the bank to which your salary is transferred
• Originals of property details including the
• Quote/Offer Letter from the seller,
• Sale and Purchase agreement,
• Title Deed and Site Plan
• Receipts of down payment made to the seller

• Salaried or Self Employed individual
• Resident Expatriates & UAE Nationals
• Age - 21 and above

• Home Finance profit rates starting from 3.99% p.a. fixed for up to 5 years.*
• Variable profit rates starting from 3 Months EIBOR + 1.74% p.a.
• Processing fees of 0.5% on finance amount for ready properties.**
• All profit rates are on reducing basis
• This pricing offer cannot be combined with any other active EI offer on Home Finance
• Maximum tenor of 300 months or as per eligibility based on customer’s age
• Takaful Premium is charged separately, not included in the Profit Rates applicable for Home Finance

*Please Note: Buy-out options are also available. You can transfer your existing finance from other banks and financial institution to Emirates Islamic at lower profit rates, longer tenors and lower installments.