Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Emirates NBD - Home Loans for UAE Nationals Emirates NBD - Home Loans for UAE Nationals Minimum Salary: AED 10,000 Salary Transfer: No Early Settlement Fees: No Maximum Term: 25 Years Flat Rate: 0.0 Reducing Rate: 4.5
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
Home loans for UAE Nationals
We're here to help you build the home you want
With options to buy an existing property or building your own, with a third option to re-finance, owning the home of your dreams is easy.

-Financing up to 85% of the property value
-Loan amount offered up to AED 20 million
  • Apply with a minimum salary of AED 10,000
  • Available for salaried and self-employed individuals
  • Finance up to 85% of the Property Value
  • Coverage of Life & property insurance
  • Free application fee
  • Free partial settlement up to 20% of the loan amount
  • Finance of Government housing programs available
  • Apply with a co-borrower
Documents Required
  • Identification
  • Original Emirates ID and Emirates ID copy
  • Valid Passport Copy with valid Resident Visa page (Old Passport copy if Visa is stamped on old Passport) Salaried Individual
  • Latest Salary certificate addressed to Emirates NBD
  • Latest Pay slips (in case of more than 10% variance in Salary)
  • Previous employment proof if less than 3 years
  • Latest 6 Months Bank statement Self-Employed
  • Valid Trade License copy
  • Plus MOA (Memorandum of Association) including all amendments
  • Latest 6 Months Bank statement
  • Latest 2 years audited financial Co borrower documents ( If Applicable)
  • Co-borrower's valid Passport and visa page
  • Income documents (if applicable)
  • If Co-borrower is a company, then MOA & TL to be obtained. Passport Copy of partners also to be obtained
** 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