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Plan Your Mortgage Smartly – Instant UAE Mortgage Calculator

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Loan Purpose & Property Type

New Home Purchase
Under-Construction Property Financing
Ready Property Financing
First-Time Home Buyer Loan
Second Home / Investment Property Loan
Buy-to-Let Mortgage (Rental Property Financing)
Land Purchase Loan (For Future Construction)
Home Construction Loan
Home Renovation / Extension Loan
Commercial Property Finance

Refinancing & Equity

Equity Release / Home Equity Loan
Refinance Existing Home Loan
Mortgage Buyout (Transfer Loan from Another Bank)
Top-Up on Existing Home Loan

Loan Type & Terms

Islamic Home Finance
Conventional Mortgage Loan
Fixed Interest Rate Mortgage
Variable / Floating Rate Mortgage
Zero Down Payment Option
Low Monthly Payment
Deferred Payment Option

Funding Source & Eligibility

Government Housing Scheme
Developer-Backed Financing
Bank Financing
Private Finance

Borrower Profile

Salaried Individual
Self-Employed
Expats
Nationals
Non-Residents

Tenure & Credit

Short-Term Loan (Up to 5 Years)
Mid-Term Loan (6–15 Years)
Long-Term Loan (16–25+ Years)
High Credit Score Applicants
Average Credit Score
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Emirates NBD – Home Loans for UAE Nationals

Minimum SalaryAED 10,000
Flat/Reducing Rate2.80% & 5.10%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key 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

Minimum SalaryAED 15,000
Flat/Reducing Rate3.05% & 5.50%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferCondtional
Apply Now
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

Minimum SalaryAED 10,000
Flat/Reducing Rate3.20% & 5.75%
EIBORUp to 25 Years
Max TenureUp to 25 Years
Salary TransferCondtional
Apply Now
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 – Loan Against Property for UAE Nationals

Minimum SalaryAED 10,000
Flat/Reducing Rate3.25% & 5.90%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferCondtional
Apply Now
Key Features & Benefits
  • Finance up to 70% of property value
  • Loan amounts up to AED 25 million
  • Applicable to fully constructed and unencumbered properties
  • No application fee
  • Attractive interest rates
  • Available for both personal and business purposes
  • Co-borrower applications accepted
  • Free partial settlement up to 20% annually
  • Support for government housing programme properties
  • Minimum salary: AED 10,000

Emirates NBD – Home Loans for Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.05% & 5.50%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferCondtional
Apply Now
Key Features & Benefits
  • 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

Government Housing Program – Sheikh Zayed Housing Programme (SZHP)

Minimum SalaryAED 10,000
Flat/Reducing Rate3.05% & 5.50%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferCondtional
Apply Now
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 Islamic – Home Finance Bina’a (For UAE Nationals | Shari’a-Compliant)

Minimum SalaryAED 10,000
Flat/Reducing Rate2.95% & 5.35%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • 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 – Freehold Properties (UAE Nationals)

Minimum SalaryAED 15,000
Flat/Reducing Rate3.10% & 5.60%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • 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 Bank – Home Finance for Freehold Properties (Expatriates)

Minimum SalaryAED 15000
Flat/Reducing Rate3.25% & 5.75%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 80% of property value
  • Tenure up to 25 years
  • Competitive profit rates linked to EIBOR
  • 1% processing fee (0% for buy-outs)
  • Available for salaried and self-employed individuals
  • Fast approval with clear documentation
  • Also available to non-residents investing in UAE
  • Takaful (life & property) available at preferential rates
  • Access to Priority Banking (subject to eligibility)

Emirates Islamic – MBRHE Home Finance

Minimum SalaryAED 10,000
Flat/Reducing Rate2.85% & 5.20%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • 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

Minimum SalaryAED 10,000
Flat/Reducing Rate2.90% & 5.25%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • 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

Minimum SalaryAED 10,000
Flat/Reducing Rate3.50% & 6.00%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • 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

CBD – Home Loans for UAE Nationals

Minimum SalaryAED 12,000
Flat/Reducing Rate3.00% & 5.45%
EIBOR2.93%
Max Tenure25 Years
Salary TransferCondtional
Apply Now
Key Features & Benefits
  • Finance up to AED 25 million
  • Loan-to-Value (LTV) up to 85% (i.e. only 15% down payment required)
  • Attractive fixed or variable interest rates (linked to EIBOR)
  • Tenure up to 25 years
  • 0% processing fee on buy-outs (from other banks)
  • Free partial settlement up to 15% of outstanding loan annually
  • No annual fees
  • Digital pre-approval in minutes
  • Cash-out and refinance options available
  • Eligible for plots, farmhouses, and residential properties
  • Construction financing available for under-construction properties with approved developers
  • **Eligibility Criteria:**
  • Salaried: Age 21–65 years at loan maturity, Minimum monthly salary: AED 12,000, Minimum job tenure: 6 months
  • Self-Employed: Age 21–70 years at loan maturity, Minimum monthly income: AED 20,000, Business tenure: Minimum 3 years

CBD – Home Loans for Expats

Minimum SalaryAED 12,000
Flat/Reducing Rate3.15% & 5.60%
EIBOR2.93%
Max Tenure25 Years
Salary TransferCondtional
Apply Now
Key Features & Benefits
  • Finance up to AED 25 million
  • Loan-to-Value (LTV) up to 80% (i.e. 20% down payment required)
  • Attractive fixed or variable interest rates (linked to EIBOR)
  • Tenure up to 25 years
  • 0% processing fee on buy-outs
  • Free partial settlement up to 15% of outstanding loan annually
  • No annual fees
  • Instant digital pre-approval
  • Cash-out and refinance facilities available
  • Eligible for completed residential properties and approved plots in Dubai
  • Construction finance for under-construction properties from approved developers
  • **Eligibility Criteria:**
  • Salaried: Age 21–65 years at loan maturity, Minimum monthly salary: AED 12,000, Minimum job tenure: 6 months
  • Self-Employed: Age 21–70 years at loan maturity, Minimum monthly income: AED 20,000, Business tenure: Minimum 3 years

Commercial Bank of Dubai – Home Loans

Minimum SalaryAED 12,000
Flat/Reducing Rate3.00% & 5.45%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferYes
Apply Now
Key Features & Benefits
  • 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

FAB Green Mortgage

Minimum SalaryAED 15,000
Flat/Reducing Rate2.85% & 5.20%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key 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

Minimum SalaryAED 15,000
Flat/Reducing Rate3.40% & 6.10%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
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

Minimum SalaryAED 15,000
Flat/Reducing Rate3.99% & 6.25%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
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

Minimum SalaryAED 15,000
Flat/Reducing Rate4.15% & 6.50%
EIBOR4.06%
Max Tenure20 years
Salary TransferConditional
Apply Now
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)

Minimum SalaryAED 15,000
Flat/Reducing RateSituational
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
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 – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.00% & 5.45%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 85% of property value
  • Loan tenure up to 25 years
  • Hybrid or variable interest rate options (fixed initially, then EIBOR + margin)
  • Partial settlement allowed anytime without penalty
  • Islamic and conventional financing options
  • Dedicated mortgage specialists and ADCB Dream Home digital platform
  • Life and property insurance mandatory
  • Processing fees may apply

ADCB – Standard Mortgage Loan for Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.15% & 5.65%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 80% of property value
  • Loan tenure up to 25 years
  • Hybrid or variable interest rate options
  • Partial settlement allowed anytime
  • Islamic and conventional financing available
  • Digital platform with instant pre-approval and valuation
  • Life and property insurance mandatory
  • Processing fees may apply

ADCB – Standard Mortgage Loan for Non-Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate3.45% & 6.10%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 50% of property value
  • Loan tenure up to 15 years
  • Interest rates based on EIBOR + margin
  • Partial settlement allowed anytime
  • Islamic and conventional financing options
  • Digital mortgage journey with dedicated support
  • Life and property insurance mandatory
  • Processing fees may apply

ADCB Mortgage Home Saver – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.10% & 5.55%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 85% of property value
  • Loan tenure up to 25 years
  • Linked current account offsets mortgage principal to reduce interest
  • Partial settlement anytime without penalty
  • Islamic and conventional financing options
  • Fully digital application and expert support
  • Processing fees and insurance mandatory

ADCB – Mortgage Home Saver for Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.25% & 5.75%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 80% of property value
  • Loan tenure up to 25 years
  • Mortgage linked to current account to reduce interest cost
  • Partial settlement anytime
  • Islamic and conventional financing available
  • Digital property search, instant pre-approval, and valuation
  • Processing fees and insurance mandatory

ADCB Green Home Loan – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.35% & 5.95%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 85% of green-certified property value
  • Loan tenure up to 25 years
  • 50% discount on processing fees
  • Hybrid interest rate structure (fixed then variable)
  • Financing for green-certified homes (LEED, BREEAM, Estidama, etc.)
  • Digital platform and dedicated mortgage specialists
  • Life and property insurance mandatory

ADCB – Green Home Loan for Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.50% & 6.10%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 80% of green-certified property value
  • Loan tenure up to 25 years
  • 50% discount on processing fees
  • Hybrid interest rate option
  • Financing for energy-efficient certified properties
  • Full digital application and expert mortgage support
  • Life and property insurance mandatory

ADCB Green Home Loan – Non-Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate3.75% & 6.45%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 50% of green-certified property value
  • Loan tenure up to 15 years
  • 50% discount on processing fees
  • Hybrid interest rate option
  • Financing for certified eco-friendly homes only
  • Digital mortgage journey with dedicated support
  • Life and property insurance mandatory

RAKBANK Home in One Mortgage – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate2.55% & 4.39%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Interest calculated on loan balance minus current account balance
  • Access funds anytime via linked Home in One current account
  • No In-Principle Approval (IPA) fees
  • Daily interest savings with every deposit
  • Use the same account for spending, bill payments, and cash withdrawals

RAKBANK Home in One Mortgage – Expatriates & Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate2.55% & 4.39%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Interest calculated on loan balance minus current account balance
  • Flexible access to funds via linked Home in One current account
  • No IPA fees
  • Daily interest savings with every deposit
  • Same account for spending and withdrawals

RAKBANK Home in One Mortgage – Expatriates & Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate2.55% & 4.39%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to AED 20 million (for self-employed customers)
  • Loan tenure up to 25 years (varies by profile)
  • Competitive fixed or variable interest/profit rate options
  • Minimum monthly income AED 15,000 (for salaried individuals)
  • Confirmed employment with minimum tenure as per bank policy
  • Partial settlement allowed without penalty
  • Processing fees vary; check for promotions

RAKBANK Home Loan – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.10% & 5.55%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to AED 20 million (for self-employed customers)
  • Loan tenure up to 25 years (varies by profile and residency)
  • Competitive fixed or variable interest/profit rate options
  • Minimum monthly income AED 15,000 (salaried individuals)
  • Confirmed employment with minimum tenure as per policy
  • Partial settlement allowed anytime
  • Processing fees may apply

RAKBANK Home Loan – GCC Nationals, Expatriates & Non-Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate3.25% & 5.75%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Pay interest only on net loan balance (loan minus current account balance)
  • Maximum loan amount up to AED 20 million (self-employed applicants)
  • Minimum monthly income AED 15,000 (for salaried individuals)
  • Employment confirmed with minimum duration as per bank terms
  • Flexible access to funds via Home in One current account

RAKBANK Home in One – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate2.55% & 4.39%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Interest paid only on loan amount minus current account balance
  • Reducing interest rate fixed 2 years, then variable
  • Maximum loan amount up to AED 20 million (self-employed)
  • Minimum income and employment criteria apply
  • Flexible access to funds via Home in One account

RAKBANK Home in One – Expatriates & Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate2.55% & 4.39%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Interest paid only on loan amount minus current account balance
  • Reducing interest rate fixed 2 years, then variable
  • Maximum loan amount up to AED 20 million (self-employed)
  • Minimum income and employment criteria apply
  • Flexible access to funds via Home in One account

ADIB Buyout Home Finance – Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.25% & 5.65%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to AED 30 million or 80% of property value
  • Instant pre-qualification available
  • Property insurance paid by ADIB for full tenure
  • Special rate for financing handover payments to developers

ADIB Finance Against Property – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.15% & 5.55%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to AED 30 million or 80% of property value
  • Instant pre-qualification available
  • Property insurance paid by ADIB for full tenure
  • Special rate for financing handover payments to developers

ADIB Finance Against Property – Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.30% & 5.75%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to AED 30 million or 80% of property value
  • Grace period up to 6 months
  • No early settlement fee when selling the property
  • Property takaful paid by ADIB for full tenure

ADIB Build Your Dream Home – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.05% & 5.40%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to AED 15 million or 80% of property value
  • Grace period up to 6 months
  • No early settlement fee when selling the property
  • Property takaful paid by ADIB for full tenure

ADIB Build Your Dream Home – Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.20% & 5.60%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to AED 15 million or 80% of property value
  • Grace period up to 6 months
  • No early settlement fee when selling the property
  • Property takaful paid by ADIB for full tenure

ADIB Affordable Housing Finance – UAE Nationals

Minimum SalaryAED 30,000
Flat/Reducing Rate0.00% & 2.00%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to AED 30 million or 85% of property value
  • Property insurance paid by ADIB for full tenure
  • Special rate for financing handover payments
  • Home Finance Planner available to calculate eligibility

ADIB Buy a House – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.05% & 5.45%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to AED 30 million or 85% of property value
  • Property insurance paid by ADIB for full tenure
  • Special rate for financing handover payments
  • Home Finance Planner available

ADIB Buy a House – Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.20% & 5.60%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to AED 30 million or 85% of property value
  • Instant pre-qualification available
  • Property insurance paid by ADIB for full tenure
  • Special rate for handover payments

ADIB Plot Finance – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.25% & 5.70%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to 60% of land plot value
  • Waiver of early settlement charges up to 30% annually
  • Available for developments in Abu Dhabi and Dubai

ADIB Plot Finance – Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.45% & 5.90%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to 60% of land plot value
  • Waiver of early settlement charges up to 30% annually
  • Available for developments in Abu Dhabi and Dubai

ADIB Buyout Home Finance – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.25% & 5.65%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing up to AED 30 million or 80% of property value
  • Instant pre-qualification available
  • Property insurance paid by ADIB for full tenure
  • Special rate for financing handover payments to developers

Mashreq Standard Home Loan – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.05% & 5.40%
EIBOR4.06%
Max Tenure25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 85% of property value
  • Fixed and variable rate options
  • Tenure up to 25 years
  • Partial settlement allowed anytime without penalty
  • Conventional and Islamic (Murabaha) financing available
  • Digital application with pre-approval option
  • Life and property insurance mandatory

Mashreq Standard Home Loan – Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.15% & 5.55%
EIBOR4.06%
Max Tenure25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 80% of property value
  • Fixed and variable rate options
  • Tenure up to 25 years
  • Partial settlement allowed anytime without penalty
  • Available under both Conventional and Islamic finance
  • Instant pre-approval through digital application
  • Life and property insurance mandatory

Mashreq Green Home Loan – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.25% & 5.65%
EIBOR4.06%
Max Tenure25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 85% of green-certified property value
  • Variable/hybrid interest rate option
  • Tenure up to 25 years
  • 50% discount on processing fees
  • Financing available under both Islamic and Conventional options
  • Supports LEED, BREEAM, Estidama certified properties
  • Full digital application process with expert support
  • Life and property insurance mandatory

Mashreq Green Home Loan – Expatriates

Minimum SalaryAED 15,000
Flat/Reducing Rate3.35% & 5.75%
EIBOR4.06%
Max Tenure25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 80% of green-certified property value
  • Variable/hybrid interest rate option
  • Tenure up to 25 years
  • 50% discount on processing fees
  • Available under Conventional and Islamic options
  • For LEED, BREEAM, Estidama certified properties
  • Fully digital journey with expert support
  • Life and property insurance mandatory

Mashreq Home Loan for Non-Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate3.60% & 6.25%
EIBOR4.06%
Max Tenure15 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 50% of property value
  • EIBOR-linked variable rate
  • Tenure up to 15 years
  • Partial settlement allowed anytime
  • Available under both Conventional and Islamic financing
  • End-to-end digital mortgage journey with dedicated support
  • Life and property insurance mandatory

HSBC Fixed Rate Home Loan – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate3.10% & 5.45%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Fixed rate options for 1, 2, 3, or 5 years
  • Shifts to 3-month EIBOR + fixed margin after fixed period
  • Overpayment up to 25% of outstanding annually without fee
  • Mandatory life and property insurance
  • Quick Approval in Principle within 60 minutes

HSBC Fixed Rate Home Loan – UAE Residents (Non-Nationals)

Minimum SalaryAED 15,000
Flat/Reducing Rate3.20% & 5.60%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Fix your interest rate for 1–5 years
  • Reverts to 3-month EIBOR + margin after fixed period
  • Up to 25% annual overpayment allowed with no charge
  • Insurance (life & property) mandatory
  • Fast Approval in Principle (~60 minutes)

HSBC Variable Rate Home Loan – UAE Nationals

Minimum SalaryAED 10,000
Flat/Reducing Rate3.00% & 5.25%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Interest = 3-month EIBOR + margin
  • No early settlement charge after 3 years
  • Overpayment allowance up to 25% of loan per year
  • Life and property insurance mandatory
  • Minimum monthly salary: AED 10,000

HSBC Variable Rate Home Loan – UAE Residents (Non-Nationals)

Minimum SalaryAED 10,000
Flat/Reducing Rate3.10% & 5.35%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Interest = 3-month EIBOR + margin
  • No full early settlement fee after 3 years
  • Overpayment of 25% allowed annually
  • Mandatory insurance coverage
  • Minimum monthly salary: AED 10,000

HSBC Fixed Rate Home Loan – Expats

Minimum SalaryAED 15,000
Flat/Reducing Rate3.25% & 5.55%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Fixed rate available for first 1–5 years
  • Switches to variable after fixed term
  • 25% annual overpayment without penalty
  • Mandatory insurance (life & property)
  • Fast track Approval in Principle (~60 mins)

HSBC Fixed Rate Home Loan – Non-Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate3.50% & 5.90%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Fixed rate access during initial period
  • Moves to variable post fixed term
  • Annual overpayment up to 25% allowed
  • Insurance mandatory
  • Quick digital Approval in Principle (~60 minutes)

HSBC Non-Resident Mortgage

Minimum SalaryAED 15,000
Flat/Reducing Rate3.60% & 6.10%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 60% of property value
  • Dedicated relationship manager for Premier/Private clients
  • Approval in Principle within 60 minutes
  • Available for eligible non-residents investing in UAE property

Ajman Bank Home Finance – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate2.55% & 4.50%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 85% of property value
  • Profit rate starting from 4.50% p.a. (hybrid or variable)
  • Loan tenure up to 25 years
  • Early and partial settlement allowed without penalties
  • Shari’a-compliant Islamic financing structure
  • Life and property Takaful mandatory
  • Quick approval process with dedicated relationship manager

Ajman Bank Home Finance – UAE Residents (Non-Nationals)

Minimum SalaryAED 15,000
Flat/Reducing Rate2.65% & 4.60%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 80% of property value
  • Profit rates starting from 4.60% p.a. (hybrid or variable)
  • Loan tenure up to 25 years
  • Early and partial settlement allowed without fees
  • Shari’a-compliant finance options available
  • Life and property Takaful mandatory
  • Fast digital application and pre-approval

Ajman Bank Home Finance – Expats

Minimum SalaryAED 15,000
Flat/Reducing Rate2.75% & 4.75%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 75% of property value
  • Competitive profit rates based on market conditions
  • Loan tenure up to 25 years
  • Early and partial settlement allowed without penalties
  • Islamic home finance options
  • Mandatory life and property Takaful
  • Dedicated relationship manager with quick pre-approval

Ajman Bank Home Finance – Non-Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate2.95% & 4.95%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 50% of property value
  • Profit rate based on market benchmark + margin
  • Loan tenure up to 25 years
  • Partial and full early settlement allowed
  • Shari’a-compliant finance solution
  • Life and property Takaful mandatory
  • Personalized assistance through dedicated support

DIB Home Finance – UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate2.15% & 3.24%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 85% of property value
  • Profit rates from 3.24% p.a. (fixed or variable)
  • Tenure up to 25 years
  • Shari’a-compliant: Murabaha, Ijarah, Buyout Ijarah, Equity Release
  • Salary transfer not mandatory
  • Maximum age limit: 70 years
  • Zero pre-approval fees
  • Instant First Step Qualification available
  • Preferential options for Golden Visa holders

DIB Home Finance – UAE Residents (Non-Nationals)

Minimum SalaryAED 15,000
Flat/Reducing Rate2.20% & 3.29%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 80% of property value
  • Profit rates from 3.29% p.a. (fixed or variable)
  • Tenure up to 25 years
  • Shari’a-compliant: Ijarah, Buyout Ijarah, Equity Release, Top-up
  • No salary transfer required
  • Zero pre-approval fees
  • Quick qualification via digital platform
  • Golden Visa holders receive special consideration

DIB Home Finance – Expats

Minimum SalaryAED 15,000
Flat/Reducing Rate2.25% & 3.39%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 75% of property value
  • Profit rates from 3.39% p.a. (fixed or variable)
  • Tenure up to 20 years
  • Shari’a-compliant: Ijarah, Buyout, Equity Release, Commercial
  • No salary transfer required
  • Instant First Step Qualification via digital journey
  • Age limit up to 70 years
  • Special terms for Golden Visa holders

DIB Home Finance – Non-Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate2.45% & 3.59%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 50% of property value
  • Market-linked profit rates with flexible options
  • Tenure up to 15 years
  • Shari’a-compliant: Ijarah, Equity Release, Top-up Finance
  • No salary transfer required
  • Zero pre-approval fees
  • Full digital application process
  • Dedicated support for global investors

MyHome

Minimum SalaryAED 15,000
Flat/Reducing Rate2.30% & 3.45%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Customizable installments tailored to your lifestyle
  • Helps cover other ownership-related costs
  • Flexible monthly budgeting
  • Simplifies the home financing journey

DIB Nest (Sustainable Home Finance)

Minimum SalaryAED 15,000
Flat/Reducing Rate2.10% & 3.10%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Profit rate discounts for green-certified properties
  • Finance for solar, eco materials, sustainable upgrades
  • Shari’a-compliant structure
  • Promotes environmentally responsible living

First Time Buyers

Minimum SalaryAED 15,000
Flat/Reducing Rate2.15% & 3.24%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 85% (UAE Nationals), 80% (Expats)
  • Flexible loan tenure up to 25 years
  • No salary transfer required
  • Ideal for new homeowners

Non-Resident Program

Minimum SalaryAED 15,000
Flat/Reducing Rate2.45% & 3.59%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • High finance amounts for overseas buyers
  • Tenure options up to 15 years
  • Competitive market-linked profit rates
  • Seamless onboarding for international investors

Existing Home Owners

Minimum SalaryAED 15,000
Flat/Reducing Rate2.25% & 3.45%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Option to refinance existing property
  • Tenure up to 25 years
  • EIBOR-linked profit rates
  • No salary transfer needed
  • Suitable for upgrades or equity release

Government Housing Schemes

Minimum SalaryAED 15,000
Flat/Reducing Rate2.10% & 3.25%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing for ready and under-construction properties
  • Support for MBRHE and SZHP beneficiaries
  • Profit rates linked to EIBOR
  • Fully Shari’a-compliant financing

Commercial Property Finance

Minimum SalaryAED 15,000
Flat/Reducing Rate2.60% & 4.10%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 70% of commercial property value
  • Tenure up to 15 years
  • Shari’a-compliant structure for investments
  • Suitable for shops, offices, and commercial real estate

Standard Chartered Home Loan — UAE Nationals

Minimum SalaryAED 15,000
Flat/Reducing Rate2.20% & 3.50%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 85% of property value
  • Interest rates starting from ~3.50% p.a. (fixed/variable)
  • Flexible tenure up to 25 years
  • Partial prepayment allowed without penalties (check terms)
  • Mandatory life & property insurance
  • Fast digital application with quick approvals
  • Personalized guidance through dedicated mortgage advisors

Standard Chartered Home Loan — UAE Residents (Non-Nationals)

Minimum SalaryAED 15,000
Flat/Reducing Rate2.30% & 3.75%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 80% of property value
  • Interest rates from ~3.75% p.a. (fixed or variable)
  • Tenure up to 25 years
  • Partial repayment options available
  • Life and property insurance mandatory
  • Better rates with salary transfer
  • Online tools: Mortgage calculator, digital pre-approval

Standard Chartered Home Loan — Expats

Minimum SalaryAED 15,000
Flat/Reducing Rate2.35% & 3.85%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 75% of property value
  • Interest rates start from ~3.75% p.a. (subject to profile)
  • Tenure up to 20 years
  • Early settlement and overpayment options available
  • Insurance mandatory
  • Fast-tracked digital approval process
  • Relationship manager assistance included

Standard Chartered Home Loan — Non-Residents

Minimum SalaryAED 15,000
Flat/Reducing Rate2.55% & 4.10%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Finance up to 50% of property value
  • Competitive variable interest rates based on market benchmarks
  • Tenure up to 15 years
  • Mandatory life and property insurance
  • Online application with dedicated mortgage support
  • Requires stronger eligibility and documentation

Standard Chartered Home Loan Top-Up

Minimum SalaryAED 15,000
Flat/Reducing Rate2.40% & 3.95%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • For existing SCB mortgage customers only
  • Additional finance for renovations, investments, or other needs
  • Competitive rates with minimal paperwork
  • Can be merged with existing home loan
  • Flexible repayment options

Standard Chartered Green Home Loan

Minimum SalaryAED 15,000
Flat/Reducing Rate2.15% & 3.40%
EIBOR4.06%
Max TenureUp to 25 Years
Salary TransferConditional
Apply Now
Key Features & Benefits
  • Financing for eco-certified homes or green renovations
  • Preferential interest rates & discounted processing fees
  • Flexible tenure options
  • Insurance mandatory
  • Dedicated support for sustainable property buyers

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