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Mortgage Loans for UAE Nationals

Build your own residential villa or complex with our Mortgage loan for UAE Nationals

If you want to finance a house of your own, our Mortgage Loan for UAE Nationals is just what you need

  • LTV up to 80%

    Only for UAE nationals

  • High loan values

    Borrow up to AED 20 million

  • Flexible repayment terms

    Up to 25 years

  • Financing for properties across UAE

    You can build or buy anywhere in the UAE

  • Convenient interest-only repayment option

    Lets you pay interest only for two years, or until your property is completed, whichever is sooner

  • Attractive Interest Rates

    Fixed for 12 months thereafter the rate moves to a variable interest rate structure which currently is our Mortgage Base Rate plus applicable margin

Required documents

  • Bank statement
  • Property construction plans
  • Salary transfer letter or salary certificate in case of buyout from another bank
  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)

Fees and charges

Processing fee
1% approved loan amount (min. AED 5,000)
Life insurance 0.0365% per month on outstanding loan balance on standard cases
Property insurance 0.05% p.a. on sum assured
Property evaluation fee Between AED 3,000 to AED 8,000
Property management fees
4% of rental amount
Loan rescheduling AED 3,000
Loan payment fee
2% of the delayed amount (min. AED 50, max AED 200)
Early settlement fees
1% of the amount prepaid/outstanding (Or in case of Buyout a maximum of AED 10,000)
Mortgage Base: Applicable Mortgage Base Rate (MBR)

Discover products to suit you

A range of cards, accounts and exclusive services designed to help you get more for your money.

* Promotional offer valid for a limited period. Terms and conditions apply. All rates quoted are p.a. on reducing loan balance.

Ways to Apply

Visit a Branch

Talk to our experts about your banking needs

Phone Us

Lines Open 24/7

UAE Helpline

600 56 6223

International Helpline

+971 2 635 8001

Email Us

We'll answer your query as soon as possible