Abu Dhabi Real Estate

This finance is sharia-compliant. If you are a UAE National: For your first property, the down payment is 20% if the property value is under AED 5M and 30% if property value is above AED 5M. For your second property, the down payment is 35%. If you are an Expat: 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%. The maximum amount of finance offered is AED 20,000,000. If looking at properites within Fujeirah you require a minimum salary of AED 6,000 for UAE nationals and AED 10,000 for expats per month to be eligible. For properties outside Fujeirah, you require a minimum salary of AED 15,000 for UAE nationals and expats. It is not a requirement to transfer your salary to apply. The processing fee is 1% of the total finance amount. The early settlement fee is applied as per UAE Central Bank policy, which is 1% of the outstanding amount or AED 10,000, whichever is lower. The fixed profit rate starts from 3.39% p.a. The rate is fixed for 1 year. Thereafter, it is a variable rate based on Central Bank's 6 month EIBOR plus a margin of 3.99% for the rest of the finance period. The reducing rate of this finance is 3.39% and the equivalent flat rate is 1.77%. The calculation used is a division of the reducing rate by 1.915 and this is indicative only.

Min. Salary AED 6,000
Flat Rate
(est. equivalent)
From 1.77% p.a.
Reducing Rate
(est. equivalent)
From 3.39% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 20M
Fixed/Variable Fixed Then Variable
Early Settlement Fee 1%
Great for
Be Aware
There is a down payment requirement
Main Benefits

  • Finance available only for ready residential properties – apartments and villas
  • Minimum documentation requirements, quick processing time.
  • Get a buy-out option from your existing mortgage and the option to defer installments.
  • Life and Property Takaful is mandatory.

Overview of Features

  • This finance is sharia-compliant.
  • If you are a UAE National: For your first property, the down payment is 20% if the property value is under AED 5M and 30% if property value is above AED 5M. For your second property, the down payment is 35%. If you are an Expat: 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%.
  • The maximum amount of finance offered is AED 20,000,000.
  • If looking at properites within Fujeirah you require a minimum salary of AED 6,000 for UAE nationals and AED 10,000 for expats per month to be eligible. For properties outside Fujeirah, you require a minimum salary of AED 15,000 for UAE nationals and expats.
  • It is not a requirement to transfer your salary to apply.
  • The processing fee is 1% of the total finance amount.
  • The early settlement fee is applied as per UAE Central Bank policy, which is 1% of the outstanding amount or AED 10,000, whichever is lower.
  • The fixed profit rate starts from 3.39% p.a.
  • The rate is fixed for 1 year. Thereafter, it is a variable rate based on Central Bank's 6 month EIBOR plus a margin of 3.99% for the rest of the finance period.
  • The reducing rate of this finance is 3.39% and the equivalent flat rate is 1.77%. The calculation used is a division of the reducing rate by 1.915 and this is indicative only.




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