The Emirates NBD Home Loan (for UAE Nationals) is designed to help you buy or build your home, including options that work with government housing programmes. It offers long tenures, high financing limits and transparent costs aligned with CBUAE rules.
You can finance up to 85% of the property value, borrow up to AED 25 million, and choose flexible repayment periods. Pricing is linked to EIBOR with a margin as per the bank’s offer; a tentative reducing APR example shown by the bank is 6.65% p.a. (illustrative only).
Key Facts
- Loan amount: up to AED 25,000,000
- APR (Annual Percentage Rate): reducing rate, linked to EIBOR + margin (illustrative example shown by bank: ~6.65% p.a.)
- Loan term (months): 12 – 300 (up to 25 years)
- Finance-to-Value (FTV): up to 85% of property value
- Fees: no application fee; free partial settlement up to 20% (per product T&Cs)
الحقائق الرئيسية
- مبلغ القرض: حتى 25,000,000 درهم إماراتي
- النسبة المئوية السنوية (APR): معدل متناقص مرتبط بسعر الإيبور + هامش (مثال توضيحي من البنك: حوالي %6.65 سنويًا)
- مدة القرض (بالأشهر): من 12 إلى 300 (حتى 25 سنة)
- نسبة التمويل إلى قيمة العقار: حتى %85 من قيمة العقار
- الرسوم: بدون رسوم تقديم الطلب؛ سداد جزئي مجاني حتى %20 (وفق الشروط والأحكام)
Get to know better
- Available for salaried and self-employed UAE Nationals, including government housing programmes
- Life and property insurance options available
- Option to apply with a co-borrower
Why we recommend this loan
This home loan combines high borrowing capacity and long tenure with clear eligibility and EIBOR-linked pricing, helping borrowers plan repayments responsibly.
The ability to make free partial settlement (up to 20%) adds flexibility to reduce your outstanding balance faster.
Find a home loan to your profile
Even though this is a mortgage loan, the eligibility approach is similar to other consumer finance: stable income, standard documentation, and affordability checks.
Emirates NBD provides tools (like its mortgage calculator) and guidance to help you estimate monthly instalments and cash-out needs.
Emirates NBD Home Loan: Get apply for home loan
Applications are reviewed based on your profile, property details, and bank policy.
Be sure to compare tenure options, understand EIBOR-linkage, and review the Key Facts Statement before committing.
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.