Loan Against Property for Expatriates

Get a mortgage against your ready, freehold property in Dubai

Get additional funds from your property in Dubai with our loans against property

Loan amount of up to AED 20Mn
Loan against freehold ready property in Dubai*
Loan tenor up to 25 years
*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

Get a loan for up to 25 years against your property in Dubai

Key benefits and highlights

  • Apply with a minimum salary of AED 10,000
  • Available for salaried and self-employed individuals
  • Finance up to 80% of the Property Value
  • Coverage of Life & property insurance
  • Free application fee
  • Free partial settlement up to 20% of the loan amount
  • 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: 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 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  
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

Minimum salary: AED 10,000

For salaried and self-employed individuals

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%)
  • 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 the co-borrower is a company: MOA, Trade License and passport copy of partners
  • 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
  • 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%)
  • 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 the co-borrower is a company: MOA, Trade License and passport copy of partners
  • 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"

Borrow wisely

Understand mortgages better

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.

Other Loans

Looking for something different?

Home Loans for Expatriates

Eyeing a property in Dubai or Abu Dhabi? This is the perfect home loan package for you.

Know more

Home loans for UAE Nationals

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.

Know more

Thank you for your feedback!

How was your experience?

We'd love to know.

1 = Poor, 10 = Excellent