The RAKBANK Home Loan is structured to help UAE residents and non-residents finance property purchases with competitive APRs and repayment periods of up to 25 years. It is available for salaried and self-employed individuals with clear eligibility requirements.
Applicants can access loan amounts up to AED 20 million, depending on their profile and property type, with down payments starting from 20% for this home loan.
Key Facts
- Loan amount: up to AED 13 million for salaried, AED 20 million for self-employed
- APR (Annual Percentage Rate): starting from 3.89% reducing p.a. (fixed for 2 years)
- Loan term (months): up to 300 months (25 years)
- Minimum down payment: 20% for properties below AED 5 million, 30% for properties AED 5 million and above
الحقائق الرئيسية
- مبلغ القرض: حتى 13 مليون درهم للموظفين و20 مليون درهم لأصحاب الأعمال
- النسبة المئوية السنوية (APR): تبدأ من 3.89% متناقصة سنويًا (ثابتة لمدة سنتين)
- مدة القرض (بالأشهر): حتى 300 شهر (25 سنة)
- الدفعة الأولى: 20% للعقارات أقل من 5 ملايين درهم، و30% للعقارات بقيمة 5 ملايين درهم أو أكثر
Get to know better about this home loan
- Available for UAE nationals, GCC nationals, expatriates and non-residents
- Flexible repayment terms up to 25 years
- Dedicated home loan advisors to assist applicants
Why we recommend this home loan
The RAKBANK Home Loan provides flexible structures with long repayment options and tailored eligibility for different borrower profiles.
It is suitable for residents and non-residents who need structured financing for residential or commercial property purchases.
Home loan to your profile
Although this is a mortgage loan, the process shares similarities with personal financing, requiring proof of income, valid identification, and compliance with UAE regulations.
The structure supports both salaried and self-employed customers, with income thresholds that adapt to joint applications.
RAKBANK Home Loan: Get a home loan
With accessible APRs and the possibility of financing large amounts, this loan is designed for customers aiming to buy property in Abu Dhabi, Dubai or Ras Al Khaimah.
Borrowers should carefully review eligibility and repayment capacity before proceeding.
Disclaimer/إخلاء المسؤولية
This content is for informational purposes only and is not issued or endorsed by RAKBANK. All terms and rates are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
هذا المحتوى لأغراض إعلامية فقط ولم يصدر أو يتم اعتماده من قبل بنك رأس الخيمة الوطني (RAKBANK). جميع الشروط والأسعار قابلة للتغيير وتخضع لموافقة الجهات التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الرئيسية للحصول على المعلومات الدقيقة والمحدثة.