Home Loans for UAE Nationals

Home Loans for UAE Nationals Emirates NBD

Min. salary
AED 10,000
Reducing / Flat
5.75% / 3.04%
Down Payment
  • No Salary Transfer
  • Self Employed
  • Salaried

Buying an existing property or building your own, with a third option to re-finance, owning the home of your dreams is easy.

Max Amount
AED 15,000,000
Arrangement Fee
Early Settlement Fee
1.00 %

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Unique Features

  • The loan amount offered up to AED 15 million or 80 salary multiples, whichever is lower.
  • Financing up to 80% of the property value.
  • Loan tenor up to 25 years.
  • Pre - Approval facility.
  • Available for salaried & self-employed individuals.


  • You are required to put 20% to 30% as a downpayment for this product.
  • You require a minimum salary of AED 10,000 per month to be eligible.
  • It is not a requirement to transfer your salary to apply.

Documents required

  • Original Emirates ID and Emirates ID copy. (Req. for both Salaried & Self Employed)
  • Valid Passport Copy with valid Resident Visa page. (Req. for both Salaried & Self Employed)
  • Latest Salary certificate addressed to Emirates NBD. (Req. for Salaried)
  • Latest Payslips (in case of more than 10% variance in Salary). (Req. for Salaried)
  • Previous employment proof if less than 3 years. (Req. for Salaried)
  • Latest 6 Months Bank statement. (Req. for Salaried & Self Employed)
  • Valid Trade License copy. (Req. for Self Employed)
  • Plus MOA (Memorandum of Association) including all amendments. (Req. for Self Employed)
  • Latest 2 years audited financial. (Req. for Self Employed)