UAE National Home Loans with
Fixed Interest Rate

• Rates as low as 2.75%
• Borrow up to 80% of the value of your home
• Flexible repayment schedule
• Choose the rates and durations that suit you
• Borrow up to AED 20m
• Life and property insurance coverage
• Processing fees as low as 1%
• Solutions available for UAE nationals, GCC nationals (both UAE resident and non-resident), and other expats living in the UAE

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.

• 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

• 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
• 
  
• 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.