Home loans for UAE Nationals

We're here to help you build the home you want

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 20 million
Get your pre-qualification letter
*Linked to 1-month EIBOR + 1.99% per annum reducing margin. Reference Rate is calculated based on EIBOR rate as of 11 Oct, 2022. Rate applicable will be calculated based on the current rate of EIBOR on the date of loan disbursement
Home loans for UAE Nationals
At a glance
Eligibility & documents
Support
Understand mortgages
Key facts statement
Get your loan

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
  • Coverage of Life & property insurance
  • Free application fee
  • Free partial settlement up to 20% of the loan amount
  • Finance of Government housing programs available
  • 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: 5.29% reducing p.a.
Rates and benefits will be applicable based on the customers segment, t eligibility and borrowing capacity as per the banks credit policy and central bank regulation.
Rate is Linked to 1-month EIBOR + 1.99% per annum reducing margin. Reference Rate is calculated based on EIBOR rate as of 11 Oct, 2022. Rate applicable will be calculated based on the current rate of EIBOR on the date of loan disbursement

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: 5.29% reducing p.a.
Rates and benefits will be applicable based on the customers segment, t eligibility and borrowing capacity as per the banks credit policy and central bank regulation.
Rate is Linked to 1-month EIBOR + 1.99% per annum reducing margin. Reference Rate is calculated based on EIBOR rate as of 11 Oct, 2022. Rate applicable will be calculated based on the current rate of EIBOR on the date of loan disbursement

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

  • Emirates ID and copy
  • Passport copy with valid resident visa page (old passport copy if visa is stamped on an old passport)
  • Latest salary certificate addressed to Emirates NBD
  • Latest pay slips (if there is a salary variance of more than 10% variance)
  • Proof of previous employment if employed in current job for less than 3 years
  • Last 6-month bank statement
  • Copy of Trade License
  • Memorandum of Association (MOA), including all amendments
  • Last 6-month bank statement
  • Audited financials for the last 2 years
  • Co-borrower's passport and visa page
  • Income documents (if applicable)
  • If co-borrower is a company: MOA, Trade License  and passport copy
  • Emirates ID copy
  • Passport copy with resident visa page (old passport copy if visa is stamped on an old passport
  • Property documents
  • Existing bank loan documents
  • Emirates ID and copy
  • Passport copy with valid resident visa page (old passport copy if visa is stamped on an old passport)
  • Latest salary certificate addressed to Emirates NBD
  • Latest pay slips (if there is a salary variance of more than 10% variance)
  • Proof of previous employment if employed in current job for less than 3 years
  • Last 6-month bank statement
  • Copy of Trade License
  • Memorandum of Association (MOA), including all amendments
  • Last 6-month bank statement
  • Audited financials for the last 2 years
  • Co-borrower's passport and visa page
  • Income documents (if applicable)
  • If co-borrower is a company: MOA, Trade License  and passport copy
  • Emirates ID copy
  • Passport copy with 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"
Apply now

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.

Things you need to know

Borrow wisely and ensure you go through the list of documents for all the fees and charges you'll incur and the terms and conditions involved when you get a loan from us. 

  • If you do not meet the monthly repayments on your loan, your account will go into arrears and incur late payment fee.
  • When you miss repayments, this could affect your credit score and limit your ability to access loan/financing in the future.
  • When you refinance your loan or avail installment deferments, it may take longer to pay off than your previous loan. It may also result in paying more interest.

Important links and documents

Key facts statement

Fees & charges

Home Loans T&Cs

General T&Cs

EIBOR/LIBOR rates

Other Loans

Looking for something different?

Loan Against Property for UAE Nationals

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

Know more

Mulhaq Loans

Exclusive for UAE Nationals: Get a mortgage on your parents’ home

Know more

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Emirates NBD Bank (P.J.S.C.) is licensed by the Central Bank of the UAE, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE

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