Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
FAB - Islamic Home Finance FAB - Islamic Home Finance Minimum Salary: AED 15,000 Salary Transfer: Yes Early Settlement Fees: Yes Maximum Term: 25 Years Flat Rate: - Reducing Rate: 0.49%
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Islamic Home Finance

  • Best-in-market variable profit rates starting from 3-month EIBOR + 0.49%* for one year then EIBOR + 1.49%* thereafter
  • Finance up to AED 20 million
  • 0% processing fee on buyout

- For salaried/self-employed UAE Nationals and Expats

- Options for fresh finance & buyouts

Features and Benefits

  • Flexible payment periods of up to 25 years
  • Finance up to 85% of the value of your home for UAE Nationals and 80% for Expat (first-time buyers only)
  • 0.50% processing fee plus VAT on fresh finance for residential or investment purposes. 1% plus VAT on incremental finance for re-finance


  • Available for UAE nationals and residents
  • Minimum age 21 and maximum age 70 for UAE nationals and 65 for non-UAE nationals or 70 years if self-employed
  • Salaried customers: min monthly salary AED 15,000
  • Self-employed customers: min monthly salary AED25,000

Terms and conditions apply.

*This is a variable profit rate offer based on a three-month EIBOR plus a margin rate of 0.49%** for one year then 1.49%* per year thereafter

Features are subject to alteration/cancellation.
All finances are subject to income and eligibility criteria.
Eligibility criteria are subject to change from time-to-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.
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