Constructed Property Home Loans with
Variable Interest Rate

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.

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

• 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.

• 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

• 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

• 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

• 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

• 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

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.

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.

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

• 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.

• 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

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

New to DIB customers who transfer their salary to DIB get a reward on credit of their first salary in addition to a host of privileges across the bank.

Get First Step Qualified instantly and know your maximum finance amount and tenure

Flexibility to choose your monthlies by designing your profit rate structure & review period as per your preference. Your options are:

Variable rate option

• Flexibility to choose your EIBOR review period.
• Fixed margin for life linked to EIBOR with a choice of 3, 6 or 12 month review frequencies.
• Just choose the review period you prefer.

Fixed rate option

• Fixed rate for the life of the finance (Only DIB offers fixed rate via Ijarah contract).
• Don’t worry about the rising EIBOR trends.

Introductory FIXED rates.

• Choice from 1, 3-years up to 5-years fixed introductory rates. (subject to DIB offering the specific fixed rate period)
• Follow-on variable rate comprises of a low margin + choice of either 3|6|12 month EIBOR review.

• 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
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• Variable Rate Structure - Based on relevant EIBOR + Margin
• Repayment tenure of up to 25 years

• Apply with a minimum salary of AED 10,000
• Available for salaried and self-employed individuals
• Finance up to 85% of the Property Value
• Free life and property insurance
• No application fee
• Free partial settlement, up to 20% of the loan amount
• Mortgage for government housing programs
• Apply with a co-borrower

• 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.

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.