Home loans for UAE Nationals

Build or buy the home of your dreams from private developers or government housing programmes

With options to buy an existing property or building your own, with a third option to re-finance, owning the home of your dreams is easy.

Financing up to 85% of the property value

Loan amount offered up to AED 25 million

Government housing included

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Home loans for UAE Nationals

Get your loan

Use our mortgage calculator to see how much your new home will cost

Key features and benefits

Apply with a minimum salary of AED 10,000
Available for salaried and self-employed individuals
Finance up to 85% of the Property Value
Life and property insurance options available
No application fee
Free partial settlement, up to 20% of the loan amount
Mortgage for government housing programmes
Apply with a co-borrower

Terms and conditions apply.

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I want to borrow

AED 250,000 AED 20,000,000

12 Months 300 Months

You can borrow AED {0} Home Loan

with monthly payments as low as

AED

Tentative rate: 6.65% p.a. (reducing)
Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation.
Linked to 1-month EIBOR + 1.99% per annum reducing balance. Reference Rate is calculated based on EIBOR rate as of 04^th November 2024. Rate applicable will be calculated based on the current rate of EIBOR as on the date of loan disbursal.

Switch your home loan to us and get lower interest rates

Highlights

Competitive interest rates
Quick processing & fast approval
Post-sales support
Wide range of products

I want to borrow

AED 250,000 AED 20,000,000

12 Months 300 Months

You can borrow AED {0} Home Loan

with monthly payments as low as

AED

Benefits of getting a home loan with Emirates NBD

Mortgage loan buyouts

Switch your existing home loans to Emirates NBD and benefit from our low-interest rates and higher loan amounts

Commercial loans for retail spaces & office units

Purchase constructed and ready commercial properties with our commercial mortgage loans

Home Loans for non-residents

Own a home in the UAE while living in your home country with our loans for non-residents

Eligibility

For salaried and self-employed individuals

Minimum salary: AED 10,000

Documents required to apply

Salaried individuals

Passport and Emirates ID
Salary certificate addressed to Emirates NBD
Bank statement for the last 6 months
Pay slips for the last 6 months if pay varies more than 10%

Self-employed individuals

Passport and Emirates ID
Copy of Trade License
Memorandum of Association (MOA), including all amendments
Bank statement for the last 6 months
Audited company financials or the last two years

Co-borrowers' documents (if applicable)

Co-borrower's passport and Emirates ID
Income documents (if applicable)
Pay slips for the last 6 months if pay varies more than 10% (if applicable)
Bank statement for the last 6 months (if applicable)
If the co-borrower is a company owner, please share the MOA and Trade License

If moving your loan to Emirates NBD

Valid Passport & Emirates ID
Property documents and title deed
Existing bank loan documents

Salaried individuals

Passport and Emirates ID
Salary certificate addressed to Emirates NBD
Bank statement for the last 6 months
Pay slips for the last 6 months if pay varies more than 10%

Self-employed individuals

Passport and Emirates ID
Copy of Trade License
Memorandum of Association (MOA), including all amendments
Bank statement for the last 6 months
Audited company financials or the last two years

Co-borrowers' documents (if applicable)

Co-borrower's passport and Emirates ID
Income documents (if applicable)
Pay slips for the last 6 months if pay varies more than 10% (if applicable)
Bank statement for the last 6 months (if applicable)
If the co-borrower is a company owner, please share the MOA and Trade License

If moving your loan to Emirates NBD

Valid Passport & Emirates ID
Property documents and title deed
Existing bank loan documents

What our customers are saying

"The best bank in UAE I am really enjoying their promotions and services ##LongLiveEmiratesNBD"

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Borrow wisely

Understand mortgages better

Support

How can we help?

Applying for a home loan
Buying your first home in the UAE
Your credit score
Your debt-burden ratio

Early loan settlement
Partial loan settlement

Direct debit for loans
Restructure your loan

Are you struggling financially?
Defer your loan payments

Our accessible and inclusive banking services

Have a question? Visit our Help & Support section for answers to your queries.

Borrow wisely – a few things you should know

If you don’t make the monthly payments towards your loan on time, you will incur a late payment fee
Missing repayments can affect your credit score, limiting your ability to access loans or financing in the future
If you refinance your loan or defer your payments, your loan will take longer to pay back and you may pay more interest
If you can’t meet a monthly payment, apply in advance for a deferment. You can do this up to twice a year.

It’s important to read the terms and conditions and know the fees and charges before you apply for a loan.

Important links and documents

Key facts statement

Fees & charges

Home Loans T&Cs

General T&Cs

Other Loans

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