Loan Against Property for UAE Nationals

Mortgage your property to get up to 85% of the value at attractive interest rates

If you own a property in the UAE, Emirates NBD offers you the most convenient way to get a loan by mortgaging your owned and unencumbered property

Loan amount of up to AED 25 million

Loan-to-Value (LTV) up to 70%

Loan against fully constructed and completed properties across all emirates

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Loan Against Property for UAE Nationals

Get your loan

Get a loan against property for your financial needs

Key benefits and highlights

Apply with a minimum salary of AED 10,000
Available for salaried and self-employed individuals
Finance up to 85% of the Property Value

No application fee

Free partial settlement, up to 20% of the loan amount

Finance of government housing programmes

Apply with a co-borrower

Terms and conditions apply

Apply now

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 02^nd 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 special 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

Identification documents

Original Emirates ID and copy
Passport copy with resident visa page

For salaried individuals

Latest salary certificate addressed to Emirates NBD
Latest pay slips (if there is more than a 10% variance in salary)
Proof of previous employment if employed in current company for less than 3 years
Last 6-month bank statement

For self-employed

Copy of trade license
MOA (Memorandum of Association) including amendments
Last 6-month bank statement
Audited financials for the last 2 years

Co-borrower's documents (if applicable)

Co-borrower's passport and visa page
Income documents (if applicable)
If co-borrower is a company: Memorandum of Association (MOA); trade license and passport copy of partners

If moving your loan to Emirates NBD

Emirates ID and copy
Passport copy with valid resident visa page (old passport copy if visa is stamped on an old passport)
Property documents
Existing bank loan documents

Identification documents

Original Emirates ID and copy
Passport copy with resident visa page

For salaried individuals

Latest salary certificate addressed to Emirates NBD
Latest pay slips (if there is more than a 10% variance in salary)
Proof of previous employment if employed in current company for less than 3 years
Last 6-month bank statement

For self-employed

Copy of trade license
MOA (Memorandum of Association) including amendments
Last 6-month bank statement
Audited financials for the last 2 years

Co-borrower's documents (if applicable)

Co-borrower's passport and visa page
Income documents (if applicable)
If co-borrower is a company: Memorandum of Association (MOA); trade license and passport copy of partners

If moving your loan to Emirates NBD

Emirates ID and copy
Passport copy with valid resident visa page (old passport copy if visa is stamped on an old passport)
Property documents
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

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