Emirates NBD and Shamal Holding partner to offer integrated home financing solutions for Dubai’s off-plan residential units under construction in Dubai

2 Min | 10 September 2026

Dubai, UAE, 10 September 2026: Emirates NBD, a leading banking group in the Middle East, North Africa, Türkiye and South Asia (MENATSA) region, has signed a strategic partnership agreement with Shamal Holding, a diversified investment firm to provide integrated home financing solutions for Shamal’s off-plan residential projects under construction across Dubai.

The collaboration enables an integrated, seamless experience for eligible home buyers and investors of Shamal’s premium projects, lending with greater security and confidence. By offering access to tailored mortgage options, the bank provides early-stage financial clarity, competitive rates and a streamlined approval process.

This partnership enhances the customer sales journey by embedding structured mortgage solutions once the homebuyer has secured the initial 50% of the property value. From this milestone through to handover, the bank’s financing solutions offer seamless support and flexible liquidity management with structured payment plans. Customers benefit from financing provided by one of the UAE’s leading and most trusted financial institutions, ensuring regulatory transparency, service continuity and long-term support.

The partnership sustains Emirates NBD’s continued commitment to advancing Dubai’s quality of life by strengthening the real estate ecosystem and contributing to the objectives of Dubai Vision 2030, which aims to transform the Emirate with sustainable urban development, world-class residential communities and increased foreign and local investment. This initiative also reflects the bank’s strong confidence in Dubai’s real estate market while driving responsible asset growth, allowing it to prudently expand its secured lending portfolio while maintaining strict risk management discipline.

Yousuf Saeed Mohd, Group Head of Priority and Personal Banking, and Retail Banking Sales at Emirates NBD, said: “We are pleased to partner with Shamal Holding to simplify the off-plan homebuying experience in Dubai by combining premier real estate with innovative financial convenience. The collaboration empowers customers to make informed investment and home ownership decisions with greater security and confidence. This initiative reinforces our ambition to shape the next era of banking in the region while underscoring our long-term commitment to the UAE’s strong growth momentum.”

Abdulla Binhabtoor, Chief Executive Officer of Shamal Holding, said: "At Shamal Holding, we invest in premium destinations and experiences that redefine how people live and invest in Dubai. This partnership with Emirates NBD adds a vital new layer to our premium real estate strategy, extending that same standard of excellence to how our customers finance their homes. Our ambition has always been to deliver a truly premium, end-to-end experience. By placing trusted financial expertise directly within the customer journey, we are giving buyers every tool they need to finalise their projects with confidence and clarity. As Dubai continues to set the global benchmark for real estate, we believe partnerships like this define how the industry must evolve: seamless, transparent and built entirely around the customer."