Abu Dhabi Real Estate

Down payment is as per UAE Central Bank regulations. The maximum loan amount is up to 80% of property value; Finance repayment period of up to 25 years. You require a minimum salary of AED 25,000 per month to be eligible. It is not a requirement to transfer your salary to apply. The processing fee is 1% of the loan amount for new loan and 0.5% for buy-outs. The early settlement fee is 1% of the outstanding loan amount, up to AED 10,000. The variable rate starts from 4.5% for 1 year, and subsequently 12 months EIBOR + bank margin with a minimum rate of 4% p.a. The variable rate starts from 4.5% for 1 year, and subsequently 12 months EIBOR + bank margin with a minimum rate of 4% p.a. The reducing rate of this finance is 4.5% and the equivalent flat rate is 2.58%. The calculation used is a division of the reducing rate by 1.74 and this is indicative only.

Min. Salary AED 25,000
Flat Rate
(est. equivalent)
From 2.58% p.a.
Reducing Rate
(est. equivalent)
From 4.5% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 10M
Fixed/Variable Variable
Early Settlement Fee 1%
Great for
High finance amounts
Be Aware
High minimum salary requirement to apply for this loan
Minimum loan amount is AED 1 million
Main Benefits

  • Automatic enrollment in Premium Banking
  • Dedicated relationship manager
  • Doorstep banking
  • Free pre-approvals
  • Free over-payments up to 30% of the outstanding loan amount per calendar year
  • MasterCard World Al Khaliji credit card for free*
  • Free interest bearing current account paying up to 1.75% interest on credit balances*

Overview of Features

  • Down payment is as per UAE Central Bank regulations.
  • The maximum loan amount is up to 80% of property value; Finance repayment period of up to 25 years.
  • You require a minimum salary of AED 25,000 per month to be eligible.
  • It is not a requirement to transfer your salary to apply.
  • The processing fee is 1% of the loan amount for new loan and 0.5% for buy-outs.
  • The early settlement fee is 1% of the outstanding loan amount, up to AED 10,000.
  • The variable rate starts from 4.5% for 1 year, and subsequently 12 months EIBOR + bank margin with a minimum rate of 4% p.a.
  • The variable rate starts from 4.5% for 1 year, and subsequently 12 months EIBOR + bank margin with a minimum rate of 4% p.a.
  • The reducing rate of this finance is 4.5% and the equivalent flat rate is 2.58%. The calculation used is a division of the reducing rate by 1.74 and this is indicative only.




    Inquire