CBD
Home Loan

If you are a salaried individual:

• Application form, consent letter & authorization letter for Bureau check.
• National ID or valid passport, residence visa and Emirates ID.
• Original 3 months bank statement for new customers.
• Salary Certificate.

If you are self-employed:

• Application form, authorization letter for lending and consent letter for Bureau check
• Copy of Trade License, Chamber of Commerce Registration, Memorandum and Articles of Association.
• Original 12 months company and personal bank statements for new customers.

* Additional documents may be applicable as per underwriting terms and eligibility criteria

If you are a salaried individual (UAE Nationals and Expatriates):

• Aged between 21 and 65 years (at loan maturity)
• Minimum monthly income of AED 12,000
• Minimum length of service of 6 months

If you are self-employed (UAE Nationals and Expatriates):

• Aged between 21 and 70 years (at loan maturity)
• Minimum monthly income of AED 20,000
• Minimum length of 3 years in business

* Additional documents may be applicable as per underwriting terms and eligibility criteria

Eligibility for Straight-Through pre-approval?

• Minimum Income: AED 12K
• Employment Status: Salaried only
• Maximum Loan Amount: AED 2.0 million
• Maximum Tenor: Up to 25 years
• Minimum Length of Service: 6 months or confirmed employee
• Age: Minimum 21 years. Maximum 65 years
• at maturity for expats & 70 years at maturity for UAE nationals.

Loan to Value?

• Up to 85% for UAE nationals.
• Up to 80% for expats.

With CBD Mortgage Loans you can easily

• Purchase a new Property and move into your dream home
• Transfer your Mortgage Loan from other financial institutions to reduce your monthly payments
• Refinance your “Ready Property” to get easy access to liquidity 
• Invest in “Under Construction” property  
• Invest/Refinance Plots/Land & Farm House (for UAE Nationals only)Invest /Refinance Plots in Dubai with Select Developers for Expatriates
• Fixed and variable interest rate options
• Flexible repayments
• Property refinancing
• Digital pre-approval