Abu Dhabi Real Estate

This finance is sharia-compliant. For your first property, the down payment is 25% if the property value is under AED 5M and 35% if property value is above AED 5M. For your second property, the down payment is 40%. Finance repayment period of up to 25 years. You require a minimum salary of AED 15,000 per month to be eligible It is not a requirement to transfer your salary to apply For salary transfer customers there is no processing fee for new purchases, owner to owner transfers or refinance. For non salary transfer customers the processing fee is 0.50% of financing amount or AED 5,000 (whichever is higher). The early settlement fee is applied as per UAE Central Bank policy, which is 1% of the outstanding amount (principal + profit) to date, or AED 10,000, whichever is lower. The bank has the discretion to waive any or all of the total outstanding profit. You get free of charge fire Takaful cover. Life Takaful is mandatory. The variable interest rate is 3.75% (based on the Central bank's 3 month EIBOR plus a bank margin). The variable interest rate is based on the Central bank's 3 month EIBOR plus a bank margin. For Salary transfer customers variable rate option from 3.75% (based on Central bank's 3 month EIBOR rate plus a margin of 2.75%). For non-salary transfer customers a variable rate option start from 3.99% (based on Central bank's 3 month EIBOR rate plus a margin of 2.99%). Burooj Properties; Bani Yas Real Estate; Bloom Real Estate; Sorouh Real Estate; Manazel Real Estate; Aldar Properties; TDIC (Tourism Development and Investment Company) & Any ready property in Dubai with title deed.

Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 2.06% p.a.
Reducing Rate
(est. equivalent)
From 3.75% p.a.
Arrangement Fee 0%
Downpayment 25%
Max Finance Amount AED 15M
Fixed/Variable Variable
Early Settlement Fee 1%
Great for
High finance amounts
You get a free of charge fire takaful cover
For salary transfer customers there is no processing fee if you choose the variable rate
Be Aware
There is a down payment requirement
Main Benefits

  • Free property insurance for the entire tenure
  • Optional grace period up to six months
  • Automatic priority status upgrade
  • Life insurance financing.

Overview of Features

  • This finance is sharia-compliant.
  • For your first property, the down payment is 25% if the property value is under AED 5M and 35% if property value is above AED 5M. For your second property, the down payment is 40%.
  • Finance repayment period of up to 25 years.
  • You require a minimum salary of AED 15,000 per month to be eligible
  • It is not a requirement to transfer your salary to apply
  • For salary transfer customers there is no processing fee for new purchases, owner to owner transfers or refinance. For non salary transfer customers the processing fee is 0.50% of financing amount or AED 5,000 (whichever is higher).
  • The early settlement fee is applied as per UAE Central Bank policy, which is 1% of the outstanding amount (principal + profit) to date, or AED 10,000, whichever is lower. The bank has the discretion to waive any or all of the total outstanding profit.
  • You get free of charge fire Takaful cover. Life Takaful is mandatory.
  • The variable interest rate is 3.75% (based on the Central bank's 3 month EIBOR plus a bank margin).
  • The variable interest rate is based on the Central bank's 3 month EIBOR plus a bank margin.
  • For Salary transfer customers variable rate option from 3.75% (based on Central bank's 3 month EIBOR rate plus a margin of 2.75%). For non-salary transfer customers a variable rate option start from 3.99% (based on Central bank's 3 month EIBOR rate plus a margin of 2.99%).
  • Burooj Properties; Bani Yas Real Estate; Bloom Real Estate; Sorouh Real Estate; Manazel Real Estate; Aldar Properties; TDIC (Tourism Development and Investment Company) & Any ready property in Dubai with title deed.




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