Loan Against Property for UAE Nationals

Mortgage your owned home for additional funds

If you own a property in the UAE, Emirates NBD offers you the most convenient way to get a loan by mortgaging your owned and unencumbered property

Loan amount of up to AED 20Mn

Loan-to-Value (LTV) up to 70%

Loan against fully constructed and completed properties* across all emirates

Apply now

*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

Loan Against Property for UAE Nationals

Get your loan

Get a loan against property for your financial needs

Key benefits and highlights

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

Terms and conditions apply

Apply now

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: 5.29% reducing p.a.
Rates and benefits will be applicable based on the customers segment, t eligibility and borrowing capacity as per the banks credit policy and central bank regulation.
Rate is 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

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

Benefits of getting a home loan with Emirates NBD

Mortgage loan buyouts

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

Commercial loans for retail spaces & office units

Purchase constructed and ready commercial properties with our commercial mortgage loans

Home Loans for non-residents

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

Eligibility

For salaried and self-employed individuals

Minimum salary AED 10,000

Documents required to apply

Identification documents

Original Emirates ID and copy
Passport copy with resident visa page (old passport copy if visa is stamped on an old passport)

For salaried individuals

Latest salary certificate addressed to Emirates NBD
Latest pay slips (if there is more than a 10% variance in salary)
Proof of previous employment if employed in current company for less than 3 years
Last 6-month bank statement

For self-employed

Copy of trade license
MOA (Memorandum of Association) including amendments
Last 6-month bank statement
Audited financials for the last 2 years

Co-borrowers documents (if applicable)

Co-borrower's passport and visa page
Income documents (if applicable)
If co-borrower is a company: Memorandum of Association (MOA); trade license and passport copy of partners

If moving your loan to Emirates NBD

Emirates ID and copy
Passport copy with valid resident visa page (old passport copy if visa is stamped on an old passport)
Property documents
Existing bank loan documents

Identification documents

Original Emirates ID and copy
Passport copy with resident visa page (old passport copy if visa is stamped on an old passport)

For salaried individuals

Latest salary certificate addressed to Emirates NBD
Latest pay slips (if there is more than a 10% variance in salary)
Proof of previous employment if employed in current company for less than 3 years
Last 6-month bank statement

For self-employed

Copy of trade license
MOA (Memorandum of Association) including amendments
Last 6-month bank statement
Audited financials for the last 2 years

Co-borrowers documents (if applicable)

Co-borrower's passport and visa page
Income documents (if applicable)
If co-borrower is a company: Memorandum of Association (MOA); trade license and passport copy of partners

If moving your loan to Emirates NBD

Emirates ID and copy
Passport copy with valid resident visa page (old passport copy if visa is stamped on an old passport)
Property documents
Existing bank loan documents

What our customers are saying

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

Apply now

Borrow wisely

Understand mortgages better

Support

How can we help?

Applying for a home loan
Buying your first home in the UAE
Your credit score
Your debt-burden ratio

Early loan settlement
Partial loan settlement

Direct debit for loans
Restructure your loan

Are you struggling financially?
Defer your loan payments

Our accessible and inclusive banking services

Have a question? Visit our Help & Support section for answers to your queries.

Things you need to know

Borrow wisely and ensure you go through the list of documents for all the fees and charges you'll incur and the terms and conditions involved when you get a loan from us.

If you do not meet the monthly repayments on your loan, your account will go into arrears and incur late payment fee.
When you miss repayments, this could affect your credit score and limit your ability to access loan/financing in the future.
When you refinance your loan or avail installment deferments, it may take longer to pay off than your previous loan. It may also result in paying more interest.

Important links and documents

Key facts statement

Fees & charges

Home Loans T&Cs

General T&Cs

EIBOR/LIBOR rates

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