DIB Home Finance offers Sharia-compliant property financing via Ijarah, Murabaha and related contracts. You can select a fixed profit rate (Ijarah) or a variable EIBOR-linked structure with 3/6/12-month review periods. The First Step tool lets you get instant pre-qualification online.
Salary transfer is not mandatory; UAE residents can benefit from zero pre-approval fees (time-limited). Finance is available across all Emirates, with government housing options and Golden Visa considerations.
Is Dubai Islamic Bank a best bank for home loan?
Dubai Islamic Bank is the largest Islamic bank in the UAE, licensed and regulated by the Central Bank of the UAE.
It publishes Sharia certificates for its home finance structures and provides Key Fact Statements, fees, and warnings for transparency and consumer protection.
Main characteristics of DIB Home Finance
- Sharia-compliant structures (Ijarah, Murabaha/Forward Ijarah/Istisna) with published Sharia certificates
- Fixed profit rate options (e.g., 3–5 years via Ijarah) and variable EIBOR-linked options (3/6/12-month review)
- First Step instant pre-qualification (online, paperless, free)
- Salary transfer not mandatory; zero pre-approval fees for UAE residents (limited-time)
- Finance available across all Emirates; special considerations for Golden Visa holders
Disadvantages
- EIBOR-linked options may lead to payment variability if reference rates change
- Some promotional fee waivers are time-limited and subject to eligibility
Here is advice for you
Confirm which contract (Ijarah vs. Murabaha) suits your case and whether a fixed or variable profit structure aligns with your risk tolerance.
Always review the KFS, Schedule of Charges, and Base Rates before signing.
Requirements to apply for this loan
- Minimum age: As per bank policy (finance available up to 70 years of age, subject to T&Cs)
- Valid Emirates ID and residency documents (for residents); passport for non-residents
- Income verification (salary certificate/bank statements); Low-Doc path may apply for self-employed per policy
- Property documents and valuation as required by DIB
- Compliance with DIB affordability checks and Central Bank regulations
المتطلبات للتقديم على هذا القرض
- العمر الأدنى: وفق سياسة البنك (التمويل متاح حتى سن 70 عامًا وفقًا للشروط والأحكام)
- بطاقة هوية إماراتية ووثائق الإقامة للمقيمين، وجواز سفر لغير المقيمين
- إثبات الدخل (شهادة راتب/كشوف حساب)؛ قد تنطبق سياسة قليل المستندات لأصحاب الأعمال
- مستندات العقار والتقييم حسب متطلبات البنك
- استيفاء اختبارات القدرة على السداد ولوائح المصرف المركزي
How to apply for the loan
- Use First Step to get instant pre-qualification online (no paperwork)
- Choose fixed (Ijarah) or variable EIBOR-linked profit structure and review frequency
- Submit the application with required personal, income, and property documents
- Review the Offer Letter, KFS, and Sharia certificate; proceed to valuation and final approval
Apply for your Loan
DIB combines digital pre-qualification with customizable profit structures, helping you tailor payments to your budget while staying Sharia-compliant.
Ensure you understand EIBOR scenarios and any promotional fee waivers.
Disclaimer/إخلاء المسؤولية
This content is for informational purposes only and is not issued or endorsed by Dubai Islamic Bank (DIB). All terms, profit rates, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Fact Statement for the most accurate and updated information.
هذا المحتوى لأغراض إعلامية فقط ولم يصدر أو يتم اعتماده من قبل بنك دبي الإسلامي. جميع الشروط ونسب الربح والرسوم قابلة للتغيير وتخضع لموافقة الجهات التنظيمية. يُرجى الرجوع إلى الموقع الرسمي للبنك وبيان الحقائق الرئيسية للحصول على المعلومات الأدق والأحدث.