Choose your website / عربي 
Choose your language
التغيير الى العربية English
Download
the Emirates NBD Mobile App
Opening an account has never been this easy!
Now you can open your account instantly with just a few taps on your smartphone.
Scan the QR code to start
OR
Continue your
application online
Apply for an account using your browser
Please make sure you have:
Active UAE mobile number
Aged 18 and above
Emirates ID and passport
Proof of income
Low monthly payments
Amount AED
250,000 15,000,000
Tenor Years
1 year 25 years
Monthly Payments AED
Tentative rate: 4.50% p.a. Terms and conditions apply. Interest rates vary by tenor & subject to bank policy
Apply Now
Home Loans for UAE Nationals
Buying an existing property or building your own, with a third option to re-finance, owning the home of your dreams is easy.
- Financing up to 80% of the property value
- Available for salaried & self-employed individuals
- Loan tenor up to 25 years
Home Loan for Expatriates
Eyeing a property in Dubai or Abu Dhabi? This is the perfect home loan package for you.
- Financing up to 75% of the property value
- Available for salaried & self-employed individuals
- Pre - Approval facility
Mulhaq Loans
Your parents have done a lot. Today is the day to build on their dreams.
For the first time ever, your parents’ home can give you a home of your own.Our Mulhaq Loan makes it easier, take advantage of the exclusive offers listed below:
Green Home Loans
A greener home, a cleaner world
Here’s your chance to live in a stylish, eco-friendly home that ensures our future generations will have a greener world to live in.
Loan Against Property for UAE Nationals
We offers you most convenient way to get loan by mortgaging your owned and un-encumbered property
Loan Against Property for Expatriates
Need funds to make your dreams a reality? Now you can get up to AED 7.5 Million against your property
Home Loan Tips
- Is the lowest home loan rate always the best one?
Buy your home wisely.
It is important to evaluate the variable rate before selecting your Home Loan.
When financing your home, it's tempting to go with the lowest possible interest rate. However, it's worth noting that most advertised rates are fixed for a short intro period. Evaluating the variable rate which includes both the base rate and margin after the fixed intro period can help you make a balanced decision. Your financial evaluation and property selection should be based on a variable rate rather than the lowest fixed rate offered for a short intro period. This insight will enable you to take practical decisions that will help you in the long run.
For more honest advice on buying a home, get in touch with us.
Call 800 ENBD (3623)
SMS 'ADVICE' to 4454 - How big should my down payment be?
Buy your home wisely.
A higher down payment on your home now, means lower total payments on your home
Loan to value (LTV) is a financial term used by lenders to express the ratio of a loan against the value of the home. While it's tempting to apply for the highest LTV, it is advisable to pay a higher down payment and opt for a lower LTV, this helps in ensuring that future payments are manageable and also helps you save up money for other unforeseen and unavoidable circumstances. It can also help make a self-funded loan through rental income without having any burden on your disposable income. It also gives you immense flexibility to move for a better offer or pricing in case another bank is offering lower rates than your current home loan.
For more honest advice on buying a home, get in touch with us.
Call 800 ENBD (3623)
SMS 'ADVICE' to 4454 - What's the most important thing to consider when buying a house?
Buy your home wisely.
What you buy is important. Where you buy is even more so. That's why the first rule of real estate is: location, location and location. Carefully consider things like the developer, the neighborhood and the distance to amenities like shops, schools and parks. These factors will not only help you live more comfortably, but will have a big effect on your property's sale and rental values in the future.
For more honest advice on buying a home, get in touch with us.
Call 800 ENBD (3623)
SMS 'ADVICE' to 4454 - How long is the ideal home loan tenor?
Buy your home wisely.
Shorter tenor will result in less overall interest paid. When buying your home, don't stretch your financial commitment by unnecessarily extending your mortgage tenor. Although you will reduce your installments which makes you eligible for a higher loan, you will end up paying more interest overall, making your home more expensive to own in the long term.
Example: Villa price: 2.5 M
Mortgage (80%): 2 M
Down payment (20%): 0.5 M
Interest rate: 4.5%Tenor EMI Total paid Total Interest Total Principal 25yr 11,117 3,334,994 1,334,995 2,000,000 20yr 12,653 3,036,717 1,036,717 2,000,000 15yr 15,300 2,753,976 753,976 2,000,000 10yr 20,728 2,487,322 487,322 2,000,000 As you can see in above table, compared to a 25 year tenor, a 20 year home loan is 29% cheaper and 15 year home loan is 77% cheaper on overall interest paid basis. For more honest advice on buying a home, get in touch with us.
For more honest advice on buying a home, get in touch with us.
Call 800 ENBD (3623)
SMS 'ADVICE' to 4454 - What is important to include in an MOU?
MOU must be a comprehensive document outlining clear obligations of the buyer and seller. Document must be explicit and clear with regards to the fee payable to the real estate broker, Govt institutions, developer and lender respectively. It is suggested that MOU outlines a reasonable time frame to complete the transaction, especially when seller have a mortgage and buyer is also completing the transaction through financing. MOU must protect the buyer in the event of valuation amount falling short of the agreed sale price or mortgage approvals not coming through due to any reasons. MOU must ensure buyer is protected against any former legal disputes or claims made by the competent authorities or the developer which could halt the transaction. Particularly for rented properties MOU should highlight clear and transparent actions with regards to the possession and the future tenancy terms.
- How to calculate cash out while buying a home through mortgage?
number of expenses which are payable by the buyer. Broadly such expenses can be classified as Bank, Developer, Dubai Lands Department and Real Estate brokerage charges. Whilst buying a property through mortgage financing, one must set aside minimum of 10% cash equivalent to the property value. These charges can vary hence best estimates are used;
illustration Property value 2,000,000 Loan Amount 80% 1,600,000 Down Payment 400,000 Area 1,400 Bank Charges Processing fee: 1% 16,000 Valuation Fees: AED 3,500 3,500 Insurance Premium:0.5% 8,000 Developer Charges Service Charges [AED 15 Sq/Ft] 21,000 NOC Fees 5,000 Dubai Lands Department Charges Registration Fees: 4% 80,000 Transaction Fees 4,000 Mortgage Registration Charge 0.25% 4,000 Real Estate Agent Charges Commission:2% 40,000 Total Expected Cash 181,500 % of the property value 9% - How to protect yourself from any unforeseen impacts arising from the valuation of the property?
An independent valuation of the property is mandatory by the banks empanelled valuators. Finance amount is calculated by the lender based on the valuation amount provided by the valuator. In some cases valuation price can be lower than the sale price which essentially means lesser financing and higher down payment. In order to avoid such situation; one must include an exit clause in the MOU to mitigate such risk which could also protect the buyer from losing their initial deposit incase buyer falls short of the expected financing amount. Market value ascertained by the valuators excludes transfer, brokerage fee, removable goods and furniture.
Still haven't decided? Have a look at all of our Home Loans
See all LoansAnd make the right decision
What are people asking?
- What is a home loan settlement?
You can close your loan at any time during the loan term, or once the term gets matured. To know more details, please visit any of Emirates NBD branches or simply by calling us at our Customer Service Centre on 600 54 0000.
- Can I apply for early settlement of my home loan?
Yes, you have the option for an early settlement on your home loan.
- How can I apply for an early settlement of my home loan?
You can visit any of Emirates NBD branches or simply by calling us at our Customer Service Centre on 600 54 0000.
- How long does it take to do a home loan settlement?
A home loan settlement can take 12-14 working days from the date you place a request for closure.
- Will I get charged for early settlement of my home loan?
Yes, there are charges for an early home loan settlement. For details please refer to the schedule of fees and charges on Emirates NBD website.
Useful Links
How was your website experience today?
Products
Customer Care
Security
Tools & Others
- Loan Calculators
- IBAN - Swift Numbers
- How to update your KYC details
- Fixed Deposit Rates
- FX Exchange Rates
- Form Centre
- New to UAE
Terms and Conditions
About Emirates NBD
- About Us
- Media Center & News
- Corporate Responsibility
- Investor Relations
- Financial Results
- Branches and ATMs
- Careers
Common Reporting Standard FAQ's
Subscribe and stay updated!
Get exclusive deals, latest promotions and important information
All this and more in the Emirates NBD newsletter
Shop with 
You are leaving the Emirates NBD Website
You will now be redirected to an external website to view this content. Emirates NBD or any of its subsidiaries does not bear liability/responsibility for any other information published by the website owner or publisher.
You will be redirected in 5 Seconds
