Abu Dhabi Real Estate

This finance is sharia-compliant. 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%. Finance repayment period of up to 25 years. You require a minimum salary of AED 10,000 per month to be eligible. For self employed customers you require a minimum credit turnover of AED 30,000 per month Not Required The processing fee is 1% of the finance amount (Min AED 2,000). The early settlement fee for this finance is 1.00% of the outstanding amount (principal + profit) to date. The bank has the discretion to waive any or all of the total outstanding profit. FALSE The profit rates start at 3.25% for salaried individuals and 3.75% for self employed individuals. This is a reducing rate, and it will vary according to customer profile. This rate is fixed for the first One year. Thereafter, it is a variable rate based on the Central Bank's 6 month EIBOR plus a bank margin of 2.75% for salaried and 3.50% for self employed. The reducing rate of this finance is 4.99% and the equivalent flat rate is 2.75%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only. Properties in Sharjah, Dubai and Abu Dhabi.

Min. Salary AED 10,000
Flat Rate
(est. equivalent)
From 2.75% p.a.
Reducing Rate
(est. equivalent)
From 4.99% p.a.
Arrangement Fee 1%
Downpayment 20%
Max Finance Amount AED 8M
Fixed/Variable Fixed Then Variable
Early Settlement Fee 1%
Great for
Finance available for any completed property
Be Aware
High minimum salary requirement to apply for this loan
There is a down payment requirement
Main Benefits

  • Finance amount up to AED 8 million with a repayment period of 25 years.

Overview of Features

  • This finance is sharia-compliant.
  • 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%.
  • Finance repayment period of up to 25 years.
  • You require a minimum salary of AED 10,000 per month to be eligible. For self employed customers you require a minimum credit turnover of AED 30,000 per month
  • Not Required
  • The processing fee is 1% of the finance amount (Min AED 2,000).
  • The early settlement fee for this finance is 1.00% of the outstanding amount (principal + profit) to date. The bank has the discretion to waive any or all of the total outstanding profit.
  • FALSE
  • The profit rates start at 3.25% for salaried individuals and 3.75% for self employed individuals. This is a reducing rate, and it will vary according to customer profile.
  • This rate is fixed for the first One year. Thereafter, it is a variable rate based on the Central Bank's 6 month EIBOR plus a bank margin of 2.75% for salaried and 3.50% for self employed.
  • The reducing rate of this finance is 4.99% and the equivalent flat rate is 2.75%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only.
  • Properties in Sharjah, Dubai and Abu Dhabi.




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