Plan Your Mortgage Smartly – Instant UAE Mortgage Calculator
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Loan Purpose & Property Type
New Home Purchase
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Buy-to-Let Mortgage (Rental Property Financing)
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Equity Release / Home Equity Loan
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Mortgage Buyout (Transfer Loan from Another Bank)
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Islamic Home Finance
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Emirates NBD – Home Loans for UAE Nationals
Emirates NBD – Home Loans for UAE NationalsMinimum SalaryAED 10,000
Flat/Reducing Rate15,000
EIBOR15,000
Max Tenure15,000
Salary TransferYes
Apply NowKey Features & Benefits
- Finance up to 85% of the property value
- Loan amounts up to AED 25 million
- Supports government housing programmes
- No application fee
- Available for salaried and self-employed individuals
- Co-borrower applications accepted
- Life and property insurance options available
- Free partial settlement up to 20% of loan annually
- Minimum salary: AED 10,000
- Financing available for buying, building, or refinancing
Emirates NBD – Home Loans for Expatriates
Key Features & Benefits
- Finance up to 80% of the property value
- Loan amounts up to AED 25 million
- Available across all Emirates
- Low interest rates
- Government-compliant lending as per UAE Central Bank regulations
- No application fee
- Free partial settlement up to 20% of the loan annually
- Minimum monthly salary: AED 15,000
- Open to salaried and self-employed individuals
- Apply with a co-borrower
- Life and property insurance options available
- Terms and conditions apply
- Loan terms and rates depend on your segment, eligibility, and credit capacity as per UAE Central Bank and bank policy
Emirates NBD – Home Loans for Self Construction
Key Features & Benefits
- Up to 100% financing of construction costs
- Loan amounts up to AED 25 million
- Fixed rate interest option available
- No application fee
- Available for salaried and self-employed individuals
- Free partial settlement up to 20% of the loan annually
- Support for government housing programmes
- Life and property insurance options available
- Apply with a co-borrower
Emirates NBD – Home Loans for Expatriates
Key Benefits & Highlights
- Finance up to 80% of property value
- Borrow up to AED 25 million or 84x monthly salary
- Available across all Emirates
- Low interest rates
- Government-compliant lending
- No application fee
- Free partial settlement up to 20% per year
- Open to salaried and self-employed individuals
- Apply with a co-borrower
- Life and property insurance options available
- Terms & conditions apply
Emirates Islamic – Home Finance (Bina’a)
Key Benefits & Highlights
- Tailored for UAE Nationals to build or buy a home
- Finance up to 85% of property value
- Longer repayment tenures of up to 25 years
- Free project monitoring for under-construction properties
- Life & property Takaful protection included
- Fast approval with minimal documentation
- Shari’a Compliant (Forward Ijarah model)
Emirates Islamic – Home Finance (Bina’a)
Emirates Islamic – Home Finance (Bina’a)Key Benefits & Highlights
- Tailored for UAE Nationals to build or buy a home
- Finance up to 85% of property value
- Longer repayment tenures of up to 25 years
- Free project monitoring for under-construction properties
- Life & property Takaful protection included
- Fast approval with minimal documentation
- Shari’a Compliant (Forward Ijarah model)
Emirates Islamic – Freehold Property Finance
Up to 85%Financing for Nationals
Up to 80%Financing for Expats
Up to 25 YearsRepayment Tenures
Apply Now Key Benefits & Highlights
- Available for Salaried, Self-Employed, and Non-Residents
- Finance up to 85% for UAE Nationals and 80% for Expats
- Competitive profit rates linked to EIBOR
- Available for ready properties and buy-outs (0% processing fee)
- Flexible loan options to invest in UAE properties from abroad
- Quick approvals with minimal documentation
Emirates Islamic – MBRHE Home Finance
Up to AED 1MAdditional Financing
50%Discount on Processing Fee
Up to 25 YearsRepayment Tenures
Apply Now Key Benefits & Highlights
- Exclusive solutions for UAE Nationals under the MBRHE Program
- Additional finance to supplement the government grant
- Convenient monthly payments with tenures up to 25 years
- Free engineering and project monitoring services
- Streamlined application process for faster approval
- Includes life and property Takaful coverage
Emirates Islamic – SDH Home Finance
Up to AED 800KGovernment Facility
AdditionalFinance Available
Up to 25 YearsRepayment Tenures
Apply Now Key Benefits & Highlights
- Exclusive housing finance for UAE Nationals through SHP
- Additional finance to supplement the government grant
- Flexible repayment tenures of up to 25 years
- Free engineering and project monitoring for under-construction homes
- Includes life and property Takaful protection
- Minimal documentation and fast turnaround times
Emirates Islamic – Commercial Property Finance
Key Benefits & Highlights
- Finance for office, retail, residential, or industrial properties
- Available for SMEs, corporations, and startups
- Option to release equity from existing properties
- Competitive profit rates and quick pre-approvals
- Shari’a-compliant structure based on the Ijara principle
- Helps you generate rental income and save on long-term rental costs
FAB Green Mortgage
FAB Green MortgageKey Features & Benefits
- Preferential fixed rates when you transfer your salary to FAB.
- Enjoy a 60-day grace period (120 days for mortgage transfers) before your first installment.
- Waivers on processing and valuation fees.
- Discounts on property and home contents insurance.
- Lower fees on partial settlements and a refund of early settlement fees on buyouts.
FAB Home Loans for Non-UAE Residents
Key Features & Benefits
- Borrow up to AED 10 million for your property investment.
- Flexible repayment periods with competitive variable rates.
- No fees for "Approval-in-Principle".
- Access to the UAE property market from abroad without a residence visa.
FAB Home Loan for Residences & Investments in the UAE
Key Features & Benefits
- Save up to AED 25,000 with zero processing fees.
- Chance to win up to 1 KG of gold in the FAB Gold Draw.
- Up to 180 days grace period before the first installment.
- Fixed rates from 3.99% for up to 5 years.
- Financing of up to 85% of the property value for first-time buyers.
FAB Loans for Small Buildings
Key Features & Benefits
- Finance or refinance completed residential buildings.
- High loan amounts of up to AED 100 million.
- Up to 70% Loan-to-Value (LTV) and up to 20 years repayment tenure.
- Repayment can be structured from rental income.
- Includes life and property Takaful/insurance.
FAB National Housing Loan (NHL)
Key Features & Benefits
- Interest-free housing loans for Emirati citizens.
- Partnership with Abu Dhabi Housing Authority (ADHA) and Sheikh Zayed Housing Programme (SZHP).
- Manage your entire loan journey digitally via the FAB NHL Mobile App.
- Access to exclusive programs like "BAITAK HILMAK" for savings on construction and furnishing.
- Optional subsidized additional Shari'a-compliant financing from FAB Islamic.
ADCB Standard Mortgage Loan
ADCB Standard Mortgage LoanKey Features & Highlights
- Offers hybrid and variable rate financing structures.
- Access to the ADCB Dream Home Platform for a fully digital experience.
- Partial settlement is allowed at any time.
- Islamic and conventional financing options available.
- Finance available for UAE Nationals, Expats, and Non-Residents.
ADCB Mortgage Home Saver
Key Features & Highlights
- A unique solution that helps you save on interest by linking your mortgage to a current account.
- The balance in the linked account offsets the loan principal, reducing your effective interest cost.
- Offers a hybrid rate structure.
- Access to the ADCB Dream Home Platform for a seamless digital journey.
ADCB Green Home Loan
Key Features & Highlights
- Designed for buyers of eco-friendly, green-certified properties.
- Offers a 50% discount on processing fees.
- Potential long-term savings from lower utility costs.
- Eligible for a hybrid interest structure.
- Supports both ready and under-construction green-certified properties.
RAKBANK Home in One Mortgage
RAKBANK Home in One MortgageKey Features & Highlights
- Interest is calculated on your loan balance minus your current account balance, effectively reducing your interest cost.
- Access your money anytime via the linked Home in One current account.
- Every deposit into the account immediately reduces the interest you pay.
- Ideal for high-income earners and those who want to save on interest without losing liquidity.
RAKBANK Home Loan
Key Features & Highlights
- Designed for first-time buyers and property investors.
- Available to UAE Nationals, GCC Nationals, Expats, and Non-Residents.
- Offers flexible repayment terms up to 25 years.
- Competitive fixed or variable interest rate options are available.
RAKBANK Home in One – Save Interest
Key Features & Highlights
- A smart mortgage solution that allows you to pay interest only on the net loan balance.
- The more you save in your linked current account, the more interest you save.
- Available to UAE Nationals and Residents.
- Ideal for those seeking a flexible mortgage that also helps reduce interest payments.
Commercial Bank of Dubai – Home Loans
Commercial Bank of Dubai – Home LoansKey Features & Highlights
- Attractive fixed and variable interest rate options
- Instant digital pre-approval available
- No annual fees
- 0% processing fee on loan buyouts
- Free partial settlement of up to 15% of the loan annually
- Finance available for residential properties, plots, and farmhouses (for UAE Nationals)
- Expats can finance plots in Dubai with select developers
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