Abu Dhabi Real Estate

You are required to put 25% to 35% as downpayment for this product. Finance repayment period of up to 25 years. You require a minimum salary of AED 20,000 per month to be eligible It is not a requirement to transfer your salary to apply. The processing fee is 1% of finance amount The early settlement fee is 1% of remaining balance if self funded and 3% if settled by another bank. The insurance fee is 0.05% per year of property value. Borrower's Life Insurance charged at 0.4% p.a on the outstanding loan amount and is mandatory The rate is fixed at 3.99% reducing for one year if loan amount is under AED 3m and fixed for two if loan amount is above AED 3m. Thereafter, it is a variable rate. The rate is fixed for up to two years. Thereafter, it is a variable rate based on the bank's own rate known as Consumer Base Rate (CBR) and not on EIBOR. The CBR is currently at 4.25%. The reducing rate of this finance is 3.99% and the equivalent flat rate is 2.2%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only Marina Heights (location: Dubai Marina); The Grandeur Residences (location: Palm Jumairah); Liberty House (location: DIFC); The Palladium (location: Jumairah Lake Towers); Al Raha Beach (location: On main highway into AUH); The Centrium (location: Intl Media Production Zone); Parklane Tower (location: Business Bay); Madina Towers (location: Jumairah Lake Towers); Park Residence (location: Jebel Ali Down Town); The Palm (Location: Jumairah); Jumairah Island; Jumairah Lake Towers; Jumairah Village; Green Lakes Towers S1 & S2 (location: Jumairah Lake Towers); Jumairah Park; Green Lakes Tower S3 (location: Jumairah Lake Towers); Al Furjan (location: New Dubai east of Ibn Battuta); Jumairah Heights - The Clusters (location: New Dubai); Emirates Precinct (location: International City); The Building By Daman (location: DIFC); Badrah phase 1(location: Dubai Waterfront); Seef I (location: Dubai Marina) Oceana (location: Palm Jumairah); Seef II (location: Jumairah Lake Towers); Royal Amwaj (location: Palm Jumairah); Madison (location: Sh. Zayed Rd.); Hamilton (location: Business Bay); Fairview Residency (location: Business Bay); Marina Residence (location: Dubai Marina); Mayfair Residency (location: Business Bay); Clayton Residency (location: Business Bay); Sun Tower (location: Shams Abu Dhabi Reem Island); Sky Tower (location: Shams Abu Dhabi Reem Island); Golf Gardens (location: Abu Dhabi Golf Club); Business Bay; Jumairah Beach Residence; Al Waha (location: Dubailand); The Villa (Phases 1 & 2) (location: Dubailand); Index (location: DIFC); Limestone House (location: DIFC); MotorCity (location: Dubai Land next to Arabian Ranches); Arabian Ranches; Downtown Dubai; Dubai Marina; Emaar Golf Home; Emaar Towers; Emirates Hills; The Greens; The Lakes; The Meadows; The Springs; The Views; Park Island (location: Dubai Marina); Warsan Estate (location: Al Awir Rd next to Mushrif Park); Warsan Estate (location: Al Awir Rd next to Mushrif Park); Mushrif Heights (location: Al Awir Rd next to Mushrif Park); 18 Burj Dubai Boulevard (location: Burj Dubai Community)

Min. Salary AED 20,000
Flat Rate
(est. equivalent)
From 3.04% p.a.
Reducing Rate
(est. equivalent)
From 5.75% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 3M
Fixed/Variable Fixed Then Variable
Early Settlement Fee 1%
Great for
High loan amounts
There is a low down payment requirement
Be Aware
High minimum salary requirement to apply for this loan
Main Benefits

  • Finance amount up to AED 3 million with a repayment period of 20 years.

Overview of Features

  • You are required to put 25% to 35% as downpayment for this product.
  • Finance repayment period of up to 25 years.
  • You require a minimum salary of AED 20,000 per month to be eligible
  • It is not a requirement to transfer your salary to apply.
  • The processing fee is 1% of finance amount
  • The early settlement fee is 1% of remaining balance if self funded and 3% if settled by another bank.
  • The insurance fee is 0.05% per year of property value. Borrower's Life Insurance charged at 0.4% p.a on the outstanding loan amount and is mandatory
  • The rate is fixed at 3.99% reducing for one year if loan amount is under AED 3m and fixed for two if loan amount is above AED 3m. Thereafter, it is a variable rate.
  • The rate is fixed for up to two years. Thereafter, it is a variable rate based on the bank's own rate known as Consumer Base Rate (CBR) and not on EIBOR. The CBR is currently at 4.25%.
  • The reducing rate of this finance is 3.99% and the equivalent flat rate is 2.2%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only
  • Marina Heights (location: Dubai Marina); The Grandeur Residences (location: Palm Jumairah); Liberty House (location: DIFC); The Palladium (location: Jumairah Lake Towers); Al Raha Beach (location: On main highway into AUH); The Centrium (location: Intl Media Production Zone); Parklane Tower (location: Business Bay); Madina Towers (location: Jumairah Lake Towers); Park Residence (location: Jebel Ali Down Town); The Palm (Location: Jumairah); Jumairah Island; Jumairah Lake Towers; Jumairah Village; Green Lakes Towers S1 & S2 (location: Jumairah Lake Towers); Jumairah Park; Green Lakes Tower S3 (location: Jumairah Lake Towers); Al Furjan (location: New Dubai east of Ibn Battuta); Jumairah Heights - The Clusters (location: New Dubai); Emirates Precinct (location: International City); The Building By Daman (location: DIFC); Badrah phase 1(location: Dubai Waterfront); Seef I (location: Dubai Marina) Oceana (location: Palm Jumairah); Seef II (location: Jumairah Lake Towers); Royal Amwaj (location: Palm Jumairah); Madison (location: Sh. Zayed Rd.); Hamilton (location: Business Bay); Fairview Residency (location: Business Bay); Marina Residence (location: Dubai Marina); Mayfair Residency (location: Business Bay); Clayton Residency (location: Business Bay); Sun Tower (location: Shams Abu Dhabi Reem Island); Sky Tower (location: Shams Abu Dhabi Reem Island); Golf Gardens (location: Abu Dhabi Golf Club); Business Bay; Jumairah Beach Residence; Al Waha (location: Dubailand); The Villa (Phases 1 & 2) (location: Dubailand); Index (location: DIFC); Limestone House (location: DIFC); MotorCity (location: Dubai Land next to Arabian Ranches); Arabian Ranches; Downtown Dubai; Dubai Marina; Emaar Golf Home; Emaar Towers; Emirates Hills; The Greens; The Lakes; The Meadows; The Springs; The Views; Park Island (location: Dubai Marina); Warsan Estate (location: Al Awir Rd next to Mushrif Park); Warsan Estate (location: Al Awir Rd next to Mushrif Park); Mushrif Heights (location: Al Awir Rd next to Mushrif Park); 18 Burj Dubai Boulevard (location: Burj Dubai Community)




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