Home Loan Expats UAE with
Variable Interest Rate

Special offer applicable only to New to Emirates Islamic Customers 

• Home Finance profit rates starting from 3.99% p.a. fixed for up to 5 years.*
• Variable profit rates starting from 3 Months EIBOR + 1.74% p.a.
• Available to all UAE Nationals & Expatriates
• Offer valid until 31 May 2024

• Home Finance profit rates starting from 3.99% p.a. fixed for up to 5 years.*
• Variable profit rates starting from 3 Months EIBOR + 1.74% p.a.
• Processing fees of 0.5% on finance amount for ready properties.**
• All profit rates are on reducing basis
• This pricing offer cannot be combined with any other active EI offer on Home Finance
• Maximum tenor of 300 months or as per eligibility based on customer’s age
• Takaful Premium is charged separately, not included in the Profit Rates applicable for Home Finance

*Please Note: Buy-out options are also available. You can transfer your existing finance from other banks and financial institution to Emirates Islamic at lower profit rates, longer tenors and lower installments.

• 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

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.

• 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

• Take advantage of loans up to AED 18 million for completed and under construction properties as per our list of approved developments.
• Loan transfer solution from other banks to lower your monthly commitments.
• Finance on properties from SCBs extensive list of approved developers
• Based on the Ijarah methodology, "Rent to Own" product has been approved by the indepenent Shariah supervisory committee.
• Avail a Standard Chartered current account with no minimum balance requirement.

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

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.