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 Islamic Home Finance - Manzili

Emirates Islamic Home Finance - Manzili

Emirates Islamic

MINIMUM SALARY

AED 15,000

FIXED RATE

3.99 %

FINANCE AMOUNT

AED 15,000,000

REDUCING RATE

Post the fixed rate period the profit rate will be on variable basis starting from 1.74% p.a. + 3 months EIBOR

DOWN PAYMENT

15.00%

  • Competitive Profit Rates
  • Loan Tenure Upto 25 Yrs
  • Easy documentation and quick approvals
  • Buy-out options are also available

Minimum Salary Required

AED 15,000

Max Finance Amount

AED 15,000,000

Fixed Rate

3.99 %

Reducing Rate

Post the fixed rate period the profit rate will be on variable basis starting from 1.74% p.a. + 3 months EIBOR

Down Payment

15.00%

Joining Offers

Special offer applicable only to New to Emirates Islamic Customers 

  • 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.
  • Available to all UAE Nationals & Expatriates
  • Offer valid until 31 May 2024

Key Features

    • 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.

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 Home Loan for Residences and Investments in the UAE

FAB Home Loan for Residences and Investments in the UAE

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%

  • Atrracive fixed rate options for upto 5 years
  • No approval-in-principle fee
  • Low down payments, high loan amounts
  • Earn up to AED 12,500 in FAB Rewards*

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

  • One year fixed rate from 3.99% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.
  • Three years fixed rate from 4.24% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.

    Five years fixed rate from 4.49% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.

  • We offer a range of fixed rate mortgages of up to five years for 5.24%*
  • FAB Rewards equivalent of up to AED 12,500 for customers who transfer their salaries to a FAB account, take Mortgage, Credit cards and open Isave account

Key Features


  • Enjoy our fixed rate mortgages of up to five years: 
    • One year fixed rate from 3.99% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.
    • Three years fixed rate from 4.24% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.

      Five years fixed rate from 4.49% with a salary transfer to FAB account* and 5.24% without salary transfer to a FAB account**.

  • FAB offers a range of fixed rate mortgages of up to five years for 5.24%**
    • More flexibility with variable rates:
    • One-year variable rate from 0.55% + 3 months EIBOR for the first year and 1.5% + 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 Rewards when you transfer your salary to a FAB account, Credit card, and Isave account*
    • Exclusive deals on processing fees and discounted valuation fees on properties with major developers

Own your dream home today with a FAB Home Loan. 

*The subsequent mortgage rate you’ll move to when your current deal ends is equivalent to the Mortgage Base Rate (MBR) minus 5% or 3 months EIBOR + 1.5% for customers with a salary transfer to a FAB account, and it will not fall below a specified rate of 1.99% over an agreed period of time.

**The subsequent mortgage rate you’ll move to when your current deal ends is equivalent to the Mortgage Base Rate (MBR) minus 4.5% or 3 months EIBOR + 1.89% for non-salary transfer customers, and it will not fall below a specified rate of 1.99% over an agreed period of time.

Credit card is mandatory to secure lower 1, 3 and 5-year fixed rates for salary transfer.


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 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 Suite

Home Suite

Standard Chartered Bank (SCB)

MINIMUM SALARY

AED 15000

FIXED RATE

LOAN AMOUNT

AED 18000000

REDUCING RATE

4.09

DOWN PAYMENT

  • Upto AED 18 million loan
  • Competitive variable interest rates
  • Fast-track your application with simplified documentation.
  • Flexible repayment tenures on your home loan up to 25 years
  • Enjoy the use of Priority Banking account benefits

Minimum Salary Required

AED 15000

Max Loan Amount

AED 18000000

Reducing Rate

4.09

Key Features

  • Take advantage of loans up to AED 18 million for completed and under construction properties as per our list of approved developments.
  • Loan transfer solution from other banks to lower your monthly commitments.
  • Finance on properties from SCBs extensive list of approved developers
  • Based on the Ijarah methodology, "Rent to Own" product has been approved by the indepenent Shariah supervisory committee.
  • Avail a Standard Chartered current account with no minimum balance requirement.


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.