Home Loans
A Home You Own

Be it a new home you are planning to buy or waiting for your handover, take advantage of affordable EMIs and longer tenors with limited period offers on our Home Loans.

Loan amount up to AED 15 Mn

Loan-to-Value (LTV)
up to 85%

Reducing interest rate starting from 5.29%* per annum

Zero
Processing fee**

Terms and Conditions apply.
Rates and benefits will be applicable based on the customers segment, their eligibility and borrowing capacity as per the banks credit policy and central bank regulation.
*Linked to 1-month EIBOR + 1.99% per annum reducing margin. Reference Rate is calculated based on EIBOR rate as of 11 Oct, 2022. Rate applicable will be calculated based on the current rate of EIBOR on the date of loan disbursement.
**Valid until 30^th November, 2022 and subject to salary transfer. Regular Processing fee is 1.05% of the loan amount.

Choose a loan that fits your need

Low interest rates on all properties

Loans for Salaried, Self-employed and Non-residents

Loan Tenor up to 25 years

Transfer your Home loan to us at competitive rates

How much would you like to borrow?

Amount AED

AED 250,000 15,000,000

Tenor Years

1 year 25 years

AED 25,000
Your approximate 'Monthly Payments (EMI)'

Apply Now

Interest rate: 5.29% p.a. (reducing). Terms and conditions apply. Interest rates vary by tenor & subject to bank policy. Amount does not include down payment as per CB regulation. Rate is based on EIBOR + Fixed Margin.

A home is where your story begins, so go ahead and write your own.
We bring you exclusive offers and benefits on Home Loans to buy the house you always wanted.

Home loan for UAE Nationals

An opportunity for UAE Nationals to buy a new home, get a Mulhaq loan or construct a property of your own.

Home loan for Expats

UAE is your home away from home and you are welcome here with open arms. We extend our home loan packages for Expats to help you settle comfortably in the UAE with your family.

Mortgage Loan Buyouts

Switch your existing Home loan to Emirates NBD and save more! Take advantage of our low-interest rates & higher loan amounts with other benefits.

Loan against Property

We give you the option of getting cash equity against your existing freehold property without having to move out or sell it.

Commercial loan for Retail Space and Office unit

Commercial Mortgage loans give you the advantage to purchase ready constructed commercial property.

Home Loans for Non Residents

Own a Home in the UAE while living in your home country. We offer loans to Non Residents as well. Get a loan from us to purchase a property in the UAE.

Tips For Mortgage Loans

Is the lowest home loan rate always the best?

Don't get trapped by lowest rate for fixed intro period. Evaluate the floating rate, both base rate and margin, after fixed intro period to make balance decision. Your fine property selection should be bases on floating rate estimate and not on lowest rate offered for short intro period. This will help to avoid financially stretched decision.

Loan to value [LTV]

Loan to value [LTV] ratio is a financial term used by lenders to express the ratio of a loan against the value of an asset. LTV is a key ratio commonly used by lenders for mortgage eligibility.

Borrow Wisely

Do not stretch your financial commitment by unnecessarily extending mortgage tenor. Long tenor reduces installment or make your eligible for higher loan amount but they service more interest thus making it more expensive to own the home on overall basis. Higher the down payment means lower repayments on your loan.