Abu Dhabi Real Estate

Expats are required to put 25% as down payment for this finance. UAE Nationals are required to put 20% as down payment for this finance. 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. The processing fee ranges from 1%- 1.40% of the loan amount 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 Insurance fee is 0.035% per year of property value. The interest rate starts from 3.49% per annum for 1 year fixed rate or 3.99% for 3 year fixed rate if property is above USD 1 Million. This rate is variable and is based on EIBOR plus a margin by the bank. Most ready projects in Abu Dhabi, Dubai & Ras Al Khaimah    

Min. Salary AED 15,000
Flat Rate
(est. equivalent)
From 1.83% p.a.
Reducing Rate
(est. equivalent)
From 3.49% p.a.
Arrangement Fee 1%
Downpayment 25%
Max Finance Amount AED 0
Fixed/Variable Variable
Early Settlement Fee 1%
Great for
This is a combination of a curent account and mortgage
Higher the deposit, lesser interest you pay on your loan
Be Aware
Main Benefits

  • This is a combination of current account and mortgage loan.
  • Every deposit you make lowers your interest payments reducing your loan tenor.
  • Flexibility to withdraw funds at your convenience.

Overview of Features

    • Expats are required to put 25% as down payment for this finance. UAE Nationals are required to put 20% as down payment for this finance.
    • 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.
    • The processing fee ranges from 1%- 1.40% of the loan amount
    • 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 Insurance fee is 0.035% per year of property value.
    • The interest rate starts from 3.49% per annum for 1 year fixed rate or 3.99% for 3 year fixed rate if property is above USD 1 Million.
    • This rate is variable and is based on EIBOR plus a margin by the bank.
    • Most ready projects in Abu Dhabi, Dubai & Ras Al Khaimah
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