Emirates NBD Home Loans with
Variable Interest Rate

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

• 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

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.

• Apply with a minimum salary of AED 10,000
• Available for salaried and self-employed individuals
• Coverage of Life & property insurance
• Free application fee
• Free partial settlement up to 20% of the loan amount
• Finance of Government housing programs available
• Apply with a co-borrower

• 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