Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Amlak Istithmari Amlak Istithmari Minimum Salary: AED 10,000 Salary Transfer: Yes Early Settlement Fees: No Maximum Term: 25 Years Flat Rate: - Reducing Rate: 5.75
Apply Online Now
Fill in your details below and a product advisor will call you back with more details.
Some required information is not valid
 *Reducing Rate is the rate at which the variable rental is calculated under the Ijarah.

Amlak’s Istithmari is the first-of-its-kind buy-to-let property finance product in the region, exclusively designed for those looking to invest in completed residential and commercial properties. With up to 65% financing at competitive finance rates, Istithmari provides a comprehensive one-stop-shop solution guaranteeing a hassle-free experience for investors. Amlak's experienced teams of professionals are committed to ensuring a hassle-free finance process, from managing the property and tenants on your behalf to providing advice and assistance throughout the term of the finance, and all this without any extra charges! 

  • Up to 65% finance available for most ready properties
  • Ijara finance payments covered by Rental Income
  • 3-month payment holiday at the commencement of the finance
  • Option to make only variable rental payments for the first 4 years of the finance
  • Complimentary and Comprehensive suite of Property Management Services
  • Preventive home maintenance package comprised of various periodic services, and coordination of major maintenance works
  • Transfer/title deed registration, registering change of ownership with the Land Department
  • Ejari registration, registering tenancy contract as per UAE Law
  • Assistance in providing expert advice on buying or selling property
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Representative Example Calculator
Commercial Bank of Dubai - Mortgage Loan
Minimum Salary
AED 12,000
Reducing Rate
ADCB - Home Saver
Minimum Salary
AED 8,000
Reducing Rate