Emirates NBD
Government Housing Program

DOCUMENTS FOR UAE NATIONALS AT THE PRE APPROVAL STAGE
Salaried

• Valid Passport & Emirates ID
• Valid Salary Certificate
• 6 months payslips if variance more than 10%
• 6 months bank statements for all Non Emirates NBD customers 
• Application form along with information disclosure form

Self-Employed

• Valid Passport & Emirates ID
• 6 months bank statements for all Non Emirates NBD customers
• Application form along with information disclosure form 
• Latest 2 years’ Audited financials of company 
• VAT registration certificate 
• Latest 6 months’ VAT returns and VAT payment receipts 
• Valid Trade License of company with shareholder details 
• MOA and AOA of company

DOCUMENTS FOR UAE NATIONALS AT THE VALUATION STAGE
Ready Property

• Title Deed
• Self-Construction
• Cost of construction and Bill of Quantities
  
  

DOCUMENTS FOR UAE NATIONALS AT THE FINAL APPROVAL STAGE

• Ready property purchase - From secondary market
• Seller details along with confirmation of property being under mortgage
• Ready property Purchase - Direct from Developer
• Title Deed
• Sale & Purchase agreement
• Latest Statement of Account (SOA)
• Self-Construction
• Valid passport & Emirates ID
• Original Affection Plan/Search Certificate or original Title Deed of Property accompanies by (the Mortgage deed for the property, if applicable)
• Technical Evaluation Report
• Workers Insurance
• Registered Mortgage Deed
• Building permit & Demarcation Certificate
• Contractor's Trade license

The programme is exclusive for UAE Nationals as per the list that SZHP provides to Emirates NBD.

• Emirates NBD offers interest-free for a 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.
• Exclusively for UAE Nationals approved by Sheikh Zayed Housing Program
• Salary transfer is not mandatory for this Emirati home loan
• Additional finance amount (up to AED 800,000) is available, subject to customer eligibility
• Finance available for:
  • Ready property from SZHP
  • Ready property from developer or secondary market
  • Self-Construction
• Dedicated and faster processing
• Simple valuation in one visit