Your trusted partner for dreams coming true.

Easy and flexible loan repayment options.

  • Key Features
  • Eligibility
  • Charges
  • Warning Box

$name : Key Features

  • Higher limit up to AED 20000000.
  • Higher repayment period up to 84 months
  • Competitive rate of interest
  • No hidden Charges
  • Interest charges on Daily Reducing Balance

$name : Eligibility

  • UAE Nationals / Expatriates / PIO / OCI
  • For constructing, purchasing or renovating a house for owner occupier or investment purpose
  • Age- Individual- Min. 21 Years
    Max. Salaried- 65 years Non salaried – 70 years including loan tenor
  • Tenor - Term Loan – Max. 7 Years
  • Limit- Min. – AED 100,000 Max. AED 20,000,0000

$name : Charges

Interest Rate and Charges

Interest Rates






50% of Market Value

40% of Market Value


3.00% plus 3 months EIBOR  with minimum of 4.00% Pa

3.50% plus 3 months EIBOR  with minimum of 4.50% Pa

Processing Fees

0.50% of sanctioned limit

Min. – AED 1000/-

Max. – AED 25000/-

$name : Warning Box

Debt Management Tool/Guidelines as per Compliance of Consumer Protection Standards of CBUAE

- If you do not keep up your repayments/payments, you may lose your property
- You may have to pay penalties if you pay off a loan/financing early
- Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit
- If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future

Frequently Asked Questions (FAQs)

  • Who can apply under this scheme?

    UAE Nationals, Indian Expatriate, PIO, OCI

  • What is the minimum and maximum age required to apply under this scheme?

    For salaried- Min. Age- 21 years Max. Age- 65 years
    For others – Min. Age 21 years Max. Age- 70 years

  • What is the maximum amount I can borrow under this scheme?

    You can borrow max. Up to AED 20 Million

  • What is the Maximum Period up to which I can avail Loan under this scheme?

    You can avail loan up to a max. period of 7 years

  • What type of facility available under this scheme?

    Facility can be availed in form of demand Loan or Term Loan only

  • Do you offer early settlement under this scheme?

    Yes you can repay your loan before maturity

  • What is the charge for early settlement?

    No charges for early settlement

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