Emirates NBD offers a mortgage programme for UAE Nationals to buy an existing home, build on owned land, or refinance an existing mortgage. Benefits include up to 85% financing, no application fee, and the option to co-borrow.
Pricing is EIBOR-linked with a fixed illustrative example shown by the bank (e.g., 6.65% p.a. reducing), then re-priced as per EIBOR + margin in the offer letter.
Is Emirates NBD a best bank for home loan?
Emirates NBD is one of the UAE’s largest banking groups, licensed by the Central Bank of the UAE.
It provides retail, corporate and Islamic solutions and publishes Key Facts Statements and fee schedules to support transparency and consumer protection.
Main characteristics of Emirates NBD Home Loan
- Financing up to 85% of property value
- Loan amounts up to AED 25 million
- Tenure up to 25 years (300 months)
- No application fee; free partial settlement up to 20% (per T&Cs)
- Compatible with government housing programmes; co-borrower option
Disadvantages
- EIBOR-linked pricing means repayments may vary if reference rates change
- Life and property insurance are required (costs apply)
Here is advice for you
Use the bank’s mortgage calculator to estimate monthly instalments and plan your debt-burden ratio.
Review EIBOR-linkage, potential future rate movements, and prepayment rules before signing.
Requirements to apply for this loan
- UAE National (salaried or self-employed)
- Minimum salary: AED 10,000 per month
- Valid Emirates ID and required income/property documents
- Co-borrower documents if applicable
المتطلبات للتقديم على هذا القرض
- مواطن إماراتي (موظف براتب أو صاحب عمل)
- الحد الأدنى للراتب: 10,000 درهم إماراتي شهريًا
- بطاقة هوية إماراتية سارية ووثائق الدخل/العقار المطلوبة
- مستندات الشريك المموِّل (إن وجدت)
How to apply for the loan
- Visit the Emirates NBD Home Loans page
- Use the mortgage calculator to estimate repayments
- Submit the online application and upload documents
- Receive the offer letter with EIBOR + margin and proceed to valuation and final approval
Apply for your Loan
A structured application with complete documents (income proofs, property details) helps the bank assess eligibility faster.
Always read the Key Facts Statement and the Home Loans T&Cs to understand pricing, fees, and prepayment rules.
Disclaimer/إخلاء المسؤولية
This content is for informational purposes only and is not issued or endorsed by Emirates NBD. 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 الإمارات دبي الوطني. جميع الشروط والأسعار قابلة للتغيير وتخضع لموافقة الجهات التنظيمية. يُرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الرئيسية للحصول على المعلومات الأدق والأحدث.