مفروش غير مفروش
العائد الإستثماري
  • Boulevard View
    إطلالة على القناة
    المدينة
    إطلالة على المدينة
    المجمع
    إطلالة على المجمع
    زاوية
    طلة على الفناء.
    قصر الإمارات
    كل البحر
    إطلالة كاملة على البحر
    إطلالة على الحديقة
    ملعب الجولف
    إطلالة على الجزيرة
    المنغروف
    عرض مارينا
    بارك عرض
    حمام سباحة
    إطلالة على البحر
    إطلالة شارع
    جزيرة ياس
  • كرة السلة المحكمة
    مرافق للشواء
    شاطئ الوصول
    وسط مكيف نظام
    وسط مكيف نظام
    المركزية الغاز
    التدفئة المركزية
    الأطفال داخل منطقة اللعب
    الأطفال خارج منطقة اللعب
    حوض سباحة للاطفال
    حمامات مشتركة
    مركز المجتمع
    مولد طوارئ
    نظام إنذار الحريق
    نظام إنذار الحريق
    نظام مكافحة الحرائق
    Firefighting System
    نادي اللياقة البدنية
    Free Commercial Parking
    ملعب جولف
    الجمنازيوم
    الجمنازيوم
    الاتصال الداخلي
    جاكوزي
    الحدائق والأشجار
    Marina
    المراسي
    Mosque
    حمام السباحة الأولمبي
    موقف سيارات
    محل
    Roads
    ساونا
    School
    جراب السماء
    الأنظمة الذكية
    ملاعب اسكواش
    غرفة بخار
    التخزين
    حمام السباحة
    ملعب تنس
    الزائر وقوف السيارات
  • A/C
    شرفة
    شرفة
    Balcony Sliding Doors
    الافطار شريط
    بنيت في شواء
    بنيت في خزائن
    خزانة المدمج
    سجادة
    مروحة سقف
    وسط مكيف
    وسط مكيف
    أنظمة التكييف المركزي
    بلاط السيراميك
    Childrens play area outside
    مطبخ مغلق
    مطبخ مغلق
    آلة لصنع القهوة
    الفرن التقليدي الكهربائية
    التقليدية فرن غاز
    Cooking Hood
    الطبخ اغطية
    الطبخ اغطية
    Cooking Stove
    المنافذ السيارة المغطاة
    Data Outlets
    غسالة الأواني
    Driver Room
    غرفة السائقين
    الجافة المخزن
    مجفف
    الطبخ الكهربائية مركزا
    أباريق الكهربائية
    Fire Alarm
    نظام إنذار الحريق
    نادي اللياقة البدنية
    القمر الصناعي مجانا
    التخلص من القمامة
    غاز الطهي محور
    Granite Counter Tops – Kitchen
    غرفة الضيوف
    صالة الألعاب الرياضية
    Hot Water System
    جاكوزي
    Kitchen Cabinet
    مرافق المطبخ
    مرافق المطبخ
    الحدائق والأشجار
    غرفة الغسيل
    المكتبة
    تجهيزات الإضاءة
    تجهيزات الإضاءة
    Lighting
    غرفة خادمة
    Marble Counter Tops – Bathroom
    أرضيات من الرخام
    أرضيات من الرخام
    Marble Vanity Top
    المايكرويف
    المايكرويف
    غرفة ناني
    مشتل
    مطبخ مفتوح
    مخزن
    أرضيات الباركيه
    Pay TV Point
    Porcelain Tiles
    Power Outlets
    Power Supply
    خاصة للسباحة
    ثلاجة
    سبت فك
    غرفة الأمن
    نظم الأمن
    Showers
    لائحة أرضيات
    أبواب منزلقة
    المنزل الذكي التكنولوجيا
    Smart Home Technology (applicable)
    Smoke Alarms
    التخزين
    دراسة
    غرفة أحد
    Telephone Points
    ترأس
    TV Point
    فائدة الغرفة
    خزانة ووكن
    غسالة
    الأرضيات الخشبية
Home Services Mortgage Facilitations

Mortgage

How ?

  • loan. The lender agrees to hold the title or deed to your property until you have paid back your loan plus interest.
  • Amortization: Repayment of a mortgage/home loan by installments with regular payments to cover the principal and interest. Amortization Calculator.
  • Debt-to-Income-Ratio (DTI): The ratio of aggregate monthly debt to aggregate monthly income.
  • Down Payment: Money paid by a buyer from his own funds, as opposed to that portion of the purchase price, which is financed.
  • EMI: Equated monthly installments
  • Home Equity: Equity is the difference between the home's fair market value and the unpaid balance of the mortgage and any outstanding debt over the home. Equity increases as the mortgage is paid or as the property enjoys appreciation. For example, if your homes' market value is AED 100,000 and you owe AED 60,000 on your mortgage, then you have AED 40,000 equity in your home.
  • EIBOR: (Emirates Interbank Offered Rate) EIBOR is the interest rate charged by banks in the United Arab Emirates for inter-bank transactions. In most cases, EIBOR is the reference rate most commonly used by borrowers and lenders to conduct financial transactions in Dubai and the surrounding Emirates.
  • LIBOR: The London Inter-bank Offered Rate Index (LIBOR) is an average of the interest rates that major international banks charge each other to borrow U.S. dollars, in the London money market. Like the U.S. treasury and the CD indexes, LIBOR tends to move and adjust quite rapidly to changes in interest rates.
  • Loan-To-Value Ratio (LTV): The relationship between the amount of the mortgage loan and the appraised value of the property expressed as a percentage. A LTV ratio of 70 means that a borrower is borrowing 70% of the value of the property and paying 30% as a down payment. For purchases, the value of the property is assumed to be the purchase price, and for refinances the value is determined by an appraisal.
  • Mortgage: A legal document that pledges property to a creditor for the repayment of the loan, and is the term used to describe the loan itself. Some states use the term First Trust Deeds to refer to mortgage loans. Calculate Your Mortgage.
  • Processing-Fee: The fee imposed by a lender to cover certain processing expenses in connection with making a loan. Usually a percentage of the amount loaned.
  • Pre-Approval: A term used to mean that a borrower has completed a loan application and provided debt, income and savings information that has been reviewed and pre-approved by an underwriter.
  • Approval: After your loan application is completed, a Bank loan processor and underwriter will review to ensure all necessary documents and information are included. They will then make a determination on whether or not you a ™ re approved for the loan.
  • A Memorandum of Understanding is signed between the buyer and the seller confirming the terms and conditions on the re-sale property transition. The MOU is usually prepared by the broker and is signed by the buyer, seller and the witness.
  • Title Deed: legal document which is used to prove ownership of a piece of property.
Personal Documents Required
Passport Copy (Valid for 2months)
Emirates ID
Visa Copy
khulasat al qaid (for locals)
Financial Documents Required
Salaried Residents
(Nationals and Expatriates)
Self-employed Residents
(Nationals and Expatriates)
Original Bank statements for past six months (stamped )

Note: six times salaries to appear on the
statement.
Stamped Bank statements for past six months for both personal and company accounts by the company authorised.

Original Valid Salary certificate addressed to the bank ,stamped and signed Proof of existence of business (Partnership Deed, Memorandum of Association, Articles of Association)
Salary transfer letter (if transferring salary to the financed bank ) Business Profile (details of the nature of the business, number of years in business, products, services, suppliers, clients, infrastructure, number of employees, target markets, assets and liabilities, business strategy)
Details of existing loans/liabilities Proof of business income (certified audited financial statements for the last two years)
Details of 'other Income' (proof of investments and regular income sources) Details of 'other Income' (proof of investments and regular income sources)
  Details of existing loans/liabilities

Bank

Mortgage

Years to
repay

Down
payment

Minimum
salary

Reducing
rate

Flat
rate

Apply

Home finance for expats

25

25%

15,000

4.49%
variable

2.66%

More details

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Home finance for uae nationals

25

20%

10,000

4.49%
variable

2.66%

More details

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Anchor for businesses

15

25%

20,000

6.67%
variable

3.90%

More details

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Balance transfer offer for expatriates

25

25%

10,000

3.49%
1-year fixed

2.00%

More details

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Balance transfer offer for uae nationals

25

20%

10,000

3.49%
1-year fixed

2.00%

More details

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Escan loan for expats

25

25%

25,000

3.85%
5-year fixed

2.24%

More details

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Escan loan for uae nationals

25

20%

20,000

3.85%
5-year fixed

2.24%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image010_0021.jpg

2yrs fixed mortgage loans for expats

20

25%

25,000

3.99%
2-year fixed

2.27%

More details

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Ijarah home lease for expatriates

20

25%

25,000

3.99%
2-year fixed

2.27%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image012_0005.gif

Adcb mortgage for expatriates

25

25%

15,000

3.99%
1-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image012_0006.gif

Adcb mortgage for uae nationals

25

20%

8,000

3.99%
1-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image014_0011.gif

Easy buy financing for uae nationals

25

20%

20,000

3.99%
variable

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image014_0012.gif

Switch over home financing for uae nationals

25

20%

20,000

3.99%
variable

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image014_0013.gif

Home refinance for uae nationals

25

20%

20,000

3.99%
variable

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image014_0014.gif

Easy buy financing for expats

25

25%

20,000

3.99%
variable

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image014_0015.gif

Home refinance for expats

25

25%

20,000

3.99%
variable

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image014_0016.gif

Switch over home financing for expats

25

25%

20,000

3.99%
variable

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image016_0003.gif

Home finance for expatriates

25

25%

15,000

3.99%
2-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image016_0004.gif

Home finance for uae nationals

25

20%

15,000

3.99%
2-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image010_0023.jpg

2yrs fixed mortgage loans for uae nationals

25

20%

20,000

3.99%
2-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image010_0024.jpg

Ijarah home lease for uae nationals

25

20%

20,000

3.99%
2-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image018_0001.gif

Al islami home finance for expatriates

25

25%

15,000

3.99%
variable

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image020_0003.gif

Manzili variable finance for uae nationals

25

20%

20,000

3.99%
variable

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image020_0004.gif

Manzili variable home finance for expats

25

25%

20,000

3.99%
variable

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image022_0001.gif

Ijara home finance

25

20%

15,000

3.99%
variable

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image006_0025.gif

Home suite bundle account for uae nationals

25

20%

10,000

3.99%
1-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image006_0026.gif

Saadiq home finance for uae nationals

25

20%

10,000

3.99%
1-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image006_0027.gif

Home suite bundle account for expatriates

25

25%

10,000

3.99%
1-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image006_0028.gif

Saadiq home finance for expatriates

25

25%

10,000

3.99%
1-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image024_0003.gif

Home finance for expatriates

25

25%

15,000

3.99%
2-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image024_0004.gif

Home finance for uae nationals

25

20%

15,000

3.99%
2-year fixed

2.33%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image018_0002.gif

Al islami home finance for uae nationals

30

20%

7,000

3.99%
variable

2.39%

More details

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Essence variable rate for uae residents

25

25%

10,000

4.17%
variable

2.45%

More details

Essence variable rate for uae nationals

25

20%

10,000

4.17%
variable

2.45%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image026.gif

1yr fixed rate home loan for expats

25

25%

20,000

4.24%
1-year fixed

2.49%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image026_0000.gif

1yr fixed rate home loan for uae nationals

25

20%

10,000

4.24%
1-year fixed

2.49%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image022_0002.gif

Home loans for uae nationals

25

20%

15,000

4.25%
2-year fixed

2.50%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image022_0003.gif

Home loans for expatriates

25

25%

15,000

4.25%
2-year fixed

2.50%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image028.gif

Mortgage home loans for uae nationals

25

20%

15,000

4.25%
variable

2.50%

More details

file:///C|/Users/Sahil/AppData/Roaming/Adobe/Dreamweaver CS6/en_US/OfficeImageTemp/clip_image028_0000.gif

Mortgage home loans for expatriates

25

25%

15,000

4.25%
variable

2.50%

More details

  • Who can apply for a mortgage?
    Mortgage Services are open to all eligible UAE residents (Nationals and Expatriates) and non-residents.
  • What is the minimum salary requirement?
    Subject to each bank's terms & conditions
  • Do I need to transfer my salary to the bank providing me the mortgage?
    No, you don't need to transfer your salary to the bank issuing you a mortgage.
  • How do I apply for mortgage?
    It's very easy, all you have to do is visit Property Shop and we will do all the needful to connect you with a bank that provides you with mortgage as per your requirements.
  • Is there a minimum age prerequisite?
    The minimum age criterion for UAE residents (Nationals/Expatriates) is 21 years or older whereas for Non-residents it is 25 years or more.
  • What is the interest rate?
    Each bank has a different rate; Property Shop is responsible of putting you in connection with the most convenient banks. Apply Now.
  • Do I require any insurance when applying to a mortgage?
    Yes, life and property insurance are required when applying to a mortgage.
  • How much would my down payment need to be?
    Depending on the financial profile of the applicant, a minimum down payment of 10% of the total value is generally required.
  • When do I start my monthly payments?
    Its generally depending on the status of the property, if a handed over property then you can start immediately, if an under construction property, you can start on handing over.
  • Can I apply jointly?
    Yes, but you need to provide proof of first blood relation.
  • What are the differences between: Borrower, Applicant, Co-borrower and co-applicant?
    Borrower: someone who attains or receives a loan with undertaking to return it and its equivalent.
    Applicant: a person whom is seeking admission or assistance for mortgage
    Co-borrower: a second borrower who signs the promissory note for a mortgage loan along with the primary borrower.
  • Can I apply with my friends?
    No, you can't if you don't have legal documents to proof the first blood relation or marriage.
    If the co-applicant is not working, can he/she apply with me for a mortgage?
    Yes, subject to the borrower s principal financials.
  • Can I register the property under my company name based on my personal financials?
    No, this is not possible.
  • Under which name the property and mortgage should be registered if the person is self employed?
    It should be under the person s name.

Three Simple Ways To Apply

Disclaimer
The information set out on this page is based on a variety of sources. Property Shop Investment does not provide any guarantee or warranty in respect of the accuracy, completeness or quality of the data and any other information provided on this page. Any views, statements or representations provided for do not necessarily reflect Property Shop Investment's opinion.


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