loanagainstpropertyforexpatriates

Loan Against Property for Expatriates

Get a mortgage against your ready, freehold property in Dubai

Get additional funds from your property in Dubai with our loans against property

Borrow up to AED 20 million
Borrow up to AED 20 million
Loan against freehold ready property in Dubai
Loan against freehold ready property in Dubai
Loan tenor up to 25 years
Loan tenor up to 25 years

Get a loan for up to 25 years against your property in Dubai

Key benefits and highlights

  • Apply with a minimum salary of AED 10,000
  • Available for salaried and self-employed individuals
  • Finance up to 80% of the Property Value
  • Free life and property insurance
  • No application fee
  • Free partial settlement, up to 20% of the loan amount
  • Apply with a co-borrower

Terms and conditions apply.

Rates and benefits will be applicable based on the customer’s segment, eligibility and borrowing capacity as per the bank’s credit policy and UAE Central Bank regulations.

I want to borrow

AED 250,000 AED 20,000,000
12 Months 300 Months

You can borrow AED {0} Home Loan

with monthly payments as low as

AED  

Tentative rate: 7.20% p.a. (reducing)
Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation.

Linked to 1-month EIBOR + 1.79% per annum reducing balance. Reference Rate is calculated based on EIBOR rate as of 30th Jan 2024. Rate applicable will be calculated based on the current rate of EIBOR on the date of loan disbursement.

Switch your home loan to us and get special interest rates

Highlights

  • Competitive interest rates
  • Quick processing & fast approval
  • Post-sales support
  • Wide range of products

I want to borrow

AED 250,000 AED 20,000,000
12 Months 300 Months

You can borrow AED {0} Home Loan

with monthly payments as low as

AED  

Tentative rate: 7.20% p.a. (reducing)
Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation.

Linked to 1-month EIBOR + 1.79% per annum reducing balance. Reference Rate is calculated based on EIBOR rate as of 30th Jan 2024. Rate applicable will be calculated based on the current rate of EIBOR on the date of loan disbursement.

Benefits of getting a home loan with Emirates NBD

1

Mortgage loan buyouts

Switch your existing home loans to Emirates NBD and benefit from our low-interest rates and higher loan amounts
2

Commercial loans for retail spaces & office units

Purchase constructed and ready commercial properties with our commercial mortgage loans
3

Home Loans for non-residents

Own a home in the UAE while living in your home country with our loans for non-residents

Eligibility

Minimum salary

Minimum salary: AED 10,000

salaried or self employed

For salaried and self-employed individuals

Documents required to apply

  • Passport and Emirates ID
  • Salary certificate addressed to Emirates NBD
  • Bank statement for the last 6 months
  • Pay slips for the last 6 months if pay varies more than 10%
  • Passport and Emirates ID
  • Copy of Trade License
  • Memorandum of Association (MOA), including all amendments
  • Bank statement for the last 6 months
  • Audited company financials or the last two years
  • Co-borrower's passport and Emirates ID
  • Income documents (if applicable)
  • Pay slips for the last 6 months if pay varies more than 10% (if applicable)
  • Bank statement for the last 6 months (if applicable)
  • If the co-borrower is a company owner, please share the MOA and Trade License
  • Valid Passport & Emirates ID
  • Property documents and title deed
  • Existing bank loan documents
  • Passport and Emirates ID
  • Salary certificate addressed to Emirates NBD
  • Bank statement for the last 6 months
  • Pay slips for the last 6 months if pay varies more than 10%
  • Passport and Emirates ID
  • Copy of Trade License
  • Memorandum of Association (MOA), including all amendments
  • Bank statement for the last 6 months
  • Audited company financials or the last two years
  • Co-borrower's passport and Emirates ID
  • Income documents (if applicable)
  • Pay slips for the last 6 months if pay varies more than 10% (if applicable)
  • Bank statement for the last 6 months (if applicable)
  • If the co-borrower is a company owner, please share the MOA and Trade License
  • Valid Passport & Emirates ID
  • Property documents and title deed
  • Existing bank loan documents
Main Banner  What our customers are saying

What our customers are saying

"The best bank in UAE I am really enjoying their promotions and services ##LongLiveEmiratesNBD"

Borrow wisely

Understand mortgages better

Borrow wisely – a few things you should know

  • If you don’t make the monthly payments towards your loan on time, you will incur a late payment fee
  • Missing repayments can affect your credit score, limiting your ability to access loans or financing in the future
  • If you refinance your loan or defer your payments, your loan will take longer to pay back and you may pay more interest
  • If you can’t meet a monthly payment, apply in advance for a deferment. You can do this up to twice a year.

It’s important to read the terms and conditions and know the fees and charges before you apply for a loan.

 

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