DIB Home Finance is a Sharia-compliant solution to finance your property in the UAE, with options based on contracts such as Ijarah (leasing) and Murabaha/Forward Ijarah/ Istisna. You can choose variable (EIBOR-linked) or fixed profit structures and complete a quick First Step pre-qualification online.
Salary transfer is not mandatory to apply. UAE residents benefit from zero pre-approval fees (limited-time offers may apply). Financing is available across all Emirates, with options for government housing schemes and special consideration for Golden Visa holders.
Key Facts
- Loan amount: As per bank approval (based on profile, property, and product type)
- APR (Annual Percentage Rate): Disclosed in the Key Fact Statement (KFS); pricing is Sharia-compliant and quoted as profit rate (fixed or EIBOR-linked)
- Loan term (months): As per product and approval (tenor determined in the offer letter)
- Pricing options: Fixed for 3–5 years (Ijarah) or variable margin + 3/6/12-month EIBOR review
- Fees: Zero pre-approval fees for UAE residents (time-limited); Nil due-diligence & documentation fee for salary transfer (STL) customers (time-limited); see Schedule of Charges/KFS for all costs
الحقائق الرئيسية
- مبلغ التمويل: حسب موافقة البنك (وفق الملف الائتماني والعقار ونوع المنتج)
- النسبة المئوية السنوية (APR): مذكورة في بيان الحقائق الرئيسية (KFS)؛ التسعير متوافق مع الشريعة ويُعرض كـ نسبة ربح (ثابتة أو مرتبطة بالإيبور)
- مدة التمويل (بالأشهر): وفق المنتج والموافقة (تُحدد في خطاب العرض)
- خيارات التسعير: ثابت 3–5 سنوات (إجارة) أو هامش ثابت + مراجعة إيبور كل 3/6/12 شهرًا
- الرسوم: بدون رسوم موافقة مبدئية للمقيمين في الدولة (لفترة محدودة)؛ بدون رسوم العناية الواجبة والمستندات لعملاء تحويل الراتب (لفترة محدودة)؛ راجع جدول الرسوم/KFS
Get to know better
- Choose Your Monthlies: design your profit-rate structure and EIBOR review frequency
- First Step Qualified: instant pre-qualification online, no paperwork, free
- Low-Doc option available for self-employed (per policy)
Why we recommend this loan
DIB allows you to customize the profit structure (fixed or EIBOR-linked) and review period, which helps align payments with your plans. The product remains Sharia-compliant, with published Sharia certificates for Ijarah, Murabaha, and related structures.
Additionally, salary transfer is not mandatory, pre-approval is digital for residents, and financing is available across all Emirates—including government housing programs.
Find a home finance to your profile
While this is a home finance (mortgage), eligibility follows the same responsible-lending logic: affordability checks, verified income, property valuation, and full disclosure through the Key Fact Statement.
Applicants can discuss age (up to 70 years noted by DIB, subject to T&Cs), Golden Visa considerations, and documentation with a Home Finance Advisor.
DIB Home Finance: get a home loan
Home finance amounts, terms, and margins depend on your segment and the chosen contract (e.g., Ijarah fixed vs. variable EIBOR-linked).
Review the Base Rates, KFS, and Schedule of Charges before proceeding.
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.