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FAB Home Loan

FAB Home Loan

First Abu Dhabi Bank (FAB)

MINIMUM SALARY

AED 15,000

FIXED RATE

2.75 %

LOAN AMOUNT

AED 20,000,000

REDUCING RATE

4.99 %

DOWN PAYMENT

20.00 %

  • Refund of valuation fees up to AED 3,000
  • No processing fee
  • Cash refund of pre-payment fee up to AED 10,000*
  • Free pre-approval

Minimum Salary Required

AED 15,000

Max Loan Amount

AED 20,000,000

Fixed Rate

2.75 %

Reducing Rate

4.99 %

Down Payment

20.00 %

Key Features

  • Rates as low as 2.75%
  • Borrow up to 80% of the value of your home
  • Flexible repayment schedule
  • Choose the rates and durations that suit you
  • Borrow up to AED 20m
  • Life and property insurance coverage
  • Processing fees as low as 1%
  • Solutions available for UAE nationals, GCC nationals (both UAE resident and non-resident), and other expats living in the UAE
FAB Home Loan for Residents and UAE Nationals

FAB Home Loan for Residents and UAE Nationals

First Abu Dhabi Bank (FAB)

MINIMUM SALARY

AED 15,000

FIXED RATE

1.99%

LOAN AMOUNT

AED 20,000,000

REDUCING RATE

1.99%

DOWN PAYMENT

30.00%

  • Multiple fixed-rate options available to choose from
  • No approval-in-principle fees
  • Reduced processing fee: 0.5% + VAT
  • Borrow upto AED 20 Million

Minimum Salary Required

AED 15,000

Max Loan Amount

AED 20,000,000

Fixed Rate

1.99%

Reducing Rate

1.99%

Down Payment

30.00%

Key Features

Starting from 1.99% per year for a two-year fixed interest rate.

Multiple fixed-rate options available so you can choose the payments and durations that suit you:
- 2 years starting from 1.99% per year
- 3 years starting from 2.19% per year
- 5 years starting from 2.49% per year

*Applicable rate shall apply after completion of the selected introductory period of 24 or 12 months.

Terms and conditions apply.
Features and benefits are subject to alteration/cancellation.

  • No approval-in-principle fees. Check your eligibility at no cost.
  • Reduced processing fee: 0.5% + VAT
  • Down Payment : 15% for UAE Nationals and 20% for ResidencesDown Payment  
    • Borrow up to 85% of the value of your home for UAE national first-time buyers
    • Borrow up to 80% of the value of your home for expat first-time buyers
  • Borrow up to AED 20 million
  • Shariah compliance also is applicable

Buyout Loans

  • No processing fees on buyout Loans
  • Refund of valuation fees up to AED 3,000 per property
  • Refund of up to AED 10,000 per property for buyout fees

After the introductory period, all rates will revert to a variable rate based on the bank defined mortgage base rate and a pre-agreed margin.

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
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.
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 Loans For Self Construction

Home Loans For Self Construction

Emirates NBD

MINIMUM SALARY

AED 10000

FIXED RATE

LOAN AMOUNT

AED 25000000

REDUCING RATE

6

DOWN PAYMENT

0

  • Up to 100% financing of construction cost
  • Payment holiday for 2 years or construction completion
  • Loan amounts up to AED 25 million
  • Fixed rate interest option available

Minimum Salary Required

AED 10000

Max Loan Amount

AED 25000000

Reducing Rate

6

Key Features

  • Apply with a minimum salary of AED 10,000
  • Available for salaried and self-employed individuals
  • Coverage of Life & property insurance
  • Free application fee
  • Free partial settlement up to 20% of the loan amount
  • Finance of Government housing programs available
  • Apply with a co-borrower
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

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.

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
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
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.