Mortgage Loans from an Individual

Finance for completed homes across the UAE

Let us help you buy your next home. NBAD UAE's Mortgage Loan from an Individual offers a range of attractive features for buyers interested in purchasing an existing property from an individual.

Let us help you buy your next home

  • LTV up to 80% for UAE nationals

    Up to 75% for expats

  • High loan values

    Borrow up to AED 20 million

  • Flexible repayment terms

    Up to 25 years

  • Convenient modes of payment


    Through your salary or rental income

  • Financing for properties across UAE


    Completed properties bought in the secondary market

  • Interest rate from 2.94% p.a. on new loans

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

Required documents

  • Bank statement
  • Property details
  • Memorandum of understanding (property sale and purchase agreements)
  • 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% of 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
Late payment fee
2% of the delayed amount (min. AED 50, max AED 200)
Loan rescheduling fee
AED 3,000
Early settlement fees
1% of the amount prepaid/outstanding (Or in case of Buyout a maximum of AED 10,000)
Mortgage Base: Applicable NBAD Mortgage Base Rate (MBR)

Discover NBAD 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

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600 56 6223

International Helpline

+971 2 635 8001

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