homeloansforuaenationals

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
Financing up to 85% of the property value
Loan amount offered up to AED 25 million
Loan amount offered up to AED 25 million
Government housing included
Government housing included

Let us help you with 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.

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: 6.80% 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 02nd October 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  

Tentative rate: 6.80% 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 02nd October 2024. Rate applicable will be calculated based on the current rate of EIBOR as on the date of loan disbursal.

Benefits of getting a home loan with Emirates NBD

1

Mortgage loan buyouts

Switch your existing home loans to Emirates NBD and benefit from our low-interest rates and higher loan amounts
2

Commercial loans for retail spaces & office units

Purchase constructed and ready commercial properties with our commercial mortgage loans
3

Home Loans for non-residents

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

Eligibility

salaried or self employed

For salaried and self-employed individuals

Minimum salarydeposit AED 10000

Minimum salary: AED 10,000

Documents required to apply

  • 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%
  • 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-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
  • Valid Passport & Emirates ID
  • Property documents and title deed
  • Existing bank loan documents
  • 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%
  • 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-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
  • Valid Passport & Emirates ID
  • Property documents and title deed
  • Existing bank loan documents
Main Banner  What our customers are saying

What our customers are saying

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

Borrow wisely

Understand mortgages better

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.

 

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