Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
FAB - Mortgage Loan for Residences and Investments in UAE FAB - Mortgage Loan for Residences and Investments in UAE Minimum Salary: AED 15,000 Salary Transfer: Yes Early Settlement Fees: No Maximum Term: 25 Years Flat Rate: 3.94 Reducing Rate: -
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Own your own home with FAB’s range of mortgage options and rates starting from 3.94%.

Enjoy a range of great rates on a FAB Mortgage with fixed and variable rate options, low down payments, high mortgage amounts and low fees. Our mortgage advisers will be with you every step of the way to advise on the best mortgage for you, and you’ll get great benefits, including your choice of FAB credit card.

Enjoy our fixed rate mortgages of up to five years: 


 Fixed rate period With a salary transfer to a FAB account* Without a salary transfer to a FAB account**
 One year 3.94% 4.59%
 Two years 3.94% 4.59%
 Three years 4.09% 4.59%
 Five years 4.19% 4.59%

Other great benefits include: 

  • Get best-in-market rates when you transfer your salary to a FAB account. You'll also get to choose a FAB credit card to complement your loan, if you do not already hold one
  • Plus earn up to AED 12,500 cashback when you transfer your salary to a FAB account and open an iSave Account with our Multi Product Package offer*
  • More flexibility with our variable rates: One-year variable rate from 0.55% + 3 months EIBOR for the first year and 1.5% + 3 months EIBOR from the second year onwards
  • Up to 85% for first-time buyers
  • No approval-in-principle fee
  • Up to AED 10,000 in FAB Rewards when you transfer your salary to a FAB account
  • Exclusive deals on processing fees and discounted valuation fees on properties with major developers

Own your dream home today with a FAB Home Loan. 

*The subsequent mortgage rate you’ll move to when your current deal ends is equivalent to the Mortgage Base Rate (MBR) minus 5% or 3 months EIBOR + 1.5%  for customers with a salary transfer to a FAB account, and it will not fall below a specified rate of 1.99% over an agreed period of time.

**The subsequent mortgage rate you’ll move to when your current deal ends is equivalent to the Mortgage Base Rate (MBR) minus 4.5% or 3 months EIBOR + 1.89% for non-salary transfer customers, and it will not fall below a specified rate of 1.99% over an agreed period of time.

** 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
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