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Knowledge Base
Explore helpful guides, tips, and FAQs about mortgage options, eligibility, and the process in the UAE.
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Common Questions
Most Popular Questions
A mortgage is a loan you take to buy property or real estate. You pay it back in monthly installments over time.
UAE Nationals, Residents, and even Non-Residents can apply for a mortgage, depending on the bank’s policy.
Most banks require a minimum monthly income of AED 10,000, but some may accept lower with other conditions.
For UAE residents: 20% for expats and 15% for nationals. For non-residents, it's usually 25–30%.
Rates vary, but typically start from around 3.75% annually. We’ll help you find the best available option.
Yes, most banks offer mortgage pre-approvals valid for 60–90 days. It helps you know your budget early.
Yes, self-employed and rental-income clients can also qualify, but need extra documentation.
Some banks charge 1% of the outstanding loan, but many offer no prepayment penalties. We help you choose the right one.
It usually takes 5 to 10 working days for pre-approval and around 2 to 3 weeks for final approval and disbursement, depending on your documents and the bank.
Yes, many banks in the UAE offer financing for off-plan properties, but terms may vary. We’ll guide you through eligible projects and lenders.
Flexible, adaptable, and adjustable plans to fit your needs
We offer personalized mortgage solutions that match your financial goals whether you’re buying, investing, or refinancing in the UAE.
Payment Questions
Most Popular Questions
Payments are based on your loan amount, interest rate, and loan term — usually spread over monthly installments.
Yes, many banks offer both options. Fixed rates stay the same; variable rates can change based on market conditions.
You typically begin making payments one month after the loan is disbursed.
Yes, most banks allow it. Some charge an early repayment fee, while others may not.
Some banks charge up to 1% of the remaining loan. We help you find options with no prepayment penalties.
Loan terms range from 5 to 25 years, depending on your age and financial profile.
Missing a payment can result in late fees and affect your credit score. Always notify your bank in advance if you’re facing issues.
Yes, refinancing is possible to get better rates or change your loan terms — we can help you evaluate when it’s the right time.
If you choose a fixed-rate mortgage, yes. For variable-rate loans, your payment may change based on market rate fluctuations.
Yes, most banks allow automatic monthly deductions from your account to ensure timely payments.
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