Check Eligibility for Emirates NBD
Home Loan

You are eligible to apply for a Emirates NBD
Home Loan .

You may not be eligible * to apply.

* Minimum salary AED 10000 required to apply for a Emirates NBD Home Loan .

*No loan for :User_Nationality available in this page

Click here to check from other banks.

Emirates NBD Home Loan Calculator

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Home Loan Provided By Emirates NBD

Check Eligibility for Emirates NBD Home Loan

You are eligible to apply for a Emirates NBD
Home Loan .

You may not be eligible * to apply.

* Minimum salary AED 10000 required to apply for a Emirates NBD Home Loan .

Click here to check loans from other banks.

Emirates NBD Home Loan Calculator

Features of Emirates NBD Home Loan

  • Loan amount upto 70 times salary (Maximum up to AED 15 million)
  • Financing up to 75% of the property value
  • Long repayment tenures up to 25 years
  • Pre - Approval facility
  • Available for salaried & self-employed individuals

Documents Required of Emirates NBD Home Loan

  • Original Emirates ID and Emirates ID copy (For UAE Nationals)
  • Valid Passport Copy with valid Resident Visa page (Old Passport copy if Visa is stamped on old Passport) (For residents)

Salaried Individuals:

  • Latest Salary certificate addressed to Emirates NBD
  • Latest Pay slips (in case of more than 10% variance in Salary)
  • Previous employment proof if less than 3 years
  • Latest 6 Months Bank statement

Self-Employed Individuals

  • Valid Trade License copy
  • Plus MOA (Memorandum of Association) including all amendments
  • Latest 6 Months Bank statement
  • Latest 2 years audited financial

Co-Borrower’s Documents (If Any)

  • Co-borrower's valid Passport and visa page
  • Income documents (if applicable)
  • If Co-borrower is a company, then MOA & TL to be obtained. Passport Copy of partners also to be obtained

Note: Additional documents may be required at the Bank's sole discretion. Bank may ask for more documentation if it sees necessary.

Emirates NBD Home Loan Interest rates

Emirates NBD Bank

4 Emirates NBD Bank Home Loans

Home Loan for UAE National

Minimum Salary

AED 10K

Flat Rate

2.2%

Reducing Rate

3.99%

Loan Amount

AED 15000K

Early Settlement Fee

1%

Arrangement Fee

1%

Down Payment

20%

Repayments Up To

25 Years

minimum salary

AED 10K

Minimum Salary

flat rate

2.2%

Flat Rate

reducing rate

3.99%

Reducing Rate

loan amount

AED 15000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

down payment

20%

Down Payment

repayment

25 Years

Repayments Up To

Advantages
  • Get pre-approved facility
  • Low insurance charges
  • High finance
Advantages
  • Get pre-approved facility
  • Low insurance charges
  • High finance

Features

  • Approval In principle is provided
  • Home Finance is provided at a fixed interest rate of 2.2%
  • Minimum salary of AED 10000 is required

Features

  • Approval In principle is provided
  • Minimum salary of AED 10000 is required
  • Home Finance is provided at a fixed interest rate of 2.2%
  • Home Finance is provided on a reducing interest rate of 3.99%
  • Salary transfer to Emirates NBD account is not required
  • The loan is provided for a maximum tenure of 25 years
  • Both life insurance and property insurance is mandatory
  • 1% of the total loan amount is charged as processing fees
  • Maximum loan amount provided is AED 15000000
  • 20% of the property value should be paid as the down payment
  • 1% of outstanding loan amount is charged on early settlement

Benefits

  • High finance is provided
  • Low down payment requirement
  • Low rates on property insurance and life insurance
  • Can know the approved loan amount in prior
  • Salary transfer is not mandatory
  • Hassle free documentation

View details on bank page

Home Loan for Self employed UAE Nationals

Minimum Salary

AED 20K

Flat Rate

2.2%

Reducing Rate

3.99%

Loan Amount

AED 15000K

Early Settlement Fee

1%

Arrangement Fee

1%

Down Payment

20%

Repayments Up To

25 Years

minimum salary

AED 20K

Minimum Salary

flat rate

2.2%

Flat Rate

reducing rate

3.99%

Reducing Rate

loan amount

AED 15000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

down payment

20%

Down Payment

repayment

25 Years

Repayments Up To

Benefits

  • High finance is provided
  • Self-employed individuals are eligible
  • Low down payment requirement

Features

  • Minimum salary of AED 20000 is required
  • Home Finance is provided at a fixed interest rate of 2.2%
  • Home Finance is provided on a reducing interest rate of 3.99%
  • You are required to transfer your income to Emirates NBD for this finance.
  • The loan is provided for a maximum tenure of 25 years
  • Both life insurance and property insurance is mandatory
  • 1% of the total loan amount is charged as processing fees
  • Maximum loan amount provided is AED 15000000
  • 20% of the property value should be paid as the down payment
  • 1% of outstanding loan amount is charged on early settlement

Benefits

  • High finance is provided
  • Self-employed individuals are eligible
  • Low down payment requirement
  • Low rates on property insurance and life insurance
  • Can know the approved loan amount details in prior
  • Very quick loan approval

View details on bank page

Home Loan for Expats

Minimum Salary

AED 20K

Flat Rate

2.2%

Reducing Rate

3.99%

Loan Amount

AED 15000K

Early Settlement Fee

1%

Arrangement Fee

1%

Down Payment

25%

Repayments Up To

25 Years

minimum salary

AED 20K

Minimum Salary

flat rate

2.2%

Flat Rate

reducing rate

3.99%

Reducing Rate

loan amount

AED 15000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

down payment

25%

Down Payment

repayment

25 Years

Repayments Up To

Advantages
  • Get pre-approved facility
  • Low insurance charges
  • High finance
Advantages
  • Get pre-approved facility
  • Low insurance charges
  • High finance

Features

  • Approval In principle is provided
  • Home Finance is provided at a fixed interest rate of 2.2%
  • Minimum salary of AED 20000 is required

Features

  • Approval In principle is provided
  • Minimum salary of AED 20000 is required
  • Home Finance is provided at a fixed interest rate of 2.2%
  • Home Finance is provided on a reducing interest rate of 3.99%
  • Salary transfer to Emirates NBD account is not required
  • The loan is provided for a maximum tenure of 25 years
  • Both life insurance and property insurance is mandatory
  • 1% of the total loan amount is charged as processing fees
  • Maximum loan amount provided is AED 15000000
  • 25% of the property value should be paid as the down payment
  • 1% of outstanding loan amount is charged on early settlement

Benefits

  • High finance is provided
  • Low insurance rates
  • Co-applicants need not be salaried individuals
  • Quick and hassle free documentation
  • Low-profit rates
  • Less down payment requirement
  • Low additional charges

View details on bank page

Home Loan for Self employed Expatriates

Minimum Salary

AED 20K

Flat Rate

2.2%

Reducing Rate

3.99%

Loan Amount

AED 15000K

Early Settlement Fee

1%

Arrangement Fee

1%

Down Payment

25%

Repayments Up To

25 Years

minimum salary

AED 20K

Minimum Salary

flat rate

2.2%

Flat Rate

reducing rate

3.99%

Reducing Rate

loan amount

AED 15000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

down payment

25%

Down Payment

repayment

25 Years

Repayments Up To

Features

  • Approval In principle is provided
  • Home Finance is provided at a fixed interest rate of 2.2%
  • Minimum salary of AED 20000 is required

Features

  • Approval In principle is provided
  • Minimum salary of AED 20000 is required
  • Home Finance is provided at a fixed interest rate of 2.2%
  • Home Finance is provided on a reducing interest rate of 3.99%
  • Salary transfer to Emirates NBD account is not required
  • The loan is provided for a maximum tenure of 25 years
  • Both life insurance and property insurance is mandatory
  • 1% of the total loan amount is charged as processing fees
  • Maximum loan amount provided is AED 15000000
  • 25% of the property value should be paid as the down payment
  • 1% of outstanding loan amount is charged on early settlement

Benefits

  • High finance is provided
  • Low insurance rates
  • Co-applicants need not be salaried individuals
  • Quick and hassle free documentation
  • Low-profit rates
  • Less down payment requirement
  • Low additional charges

View details on bank page

Frequently Asked Questions

⭐ What is the maximum loan provided?

A. Emirates NBD provides AED 15 Million as the maximum loan amount.

⭐ Can I get a pre-approval of the loan?

A. Yes. You can get a pre-approval of the home loan at Emirates NBD.

⭐ Is the processing fees charged refundable?

A. No. Emirates NBD charges 1% of the approved loan amount as processing fees and this is non-refundable.

⭐ What will be the EMI paid on the loan?

A. The EMI depends on the finance taken, interest rate, tenure. Homebuyers or homeowners can use the Mortgage Calculator to calculate the EMI.

⭐ Can I add a co-borrower to the loan?

A. Yes. Home loan buyers can add a co-borrower to the loan.

⭐ What will be the documents to be provided by the co-borrower?

A. The co-borrower needs to provide their passport and visa for validation and income proofs if any.

About Emirates NBD

In 2007, Emirates Bank International (EBI) and the National Bank of Dubai (NBD), the second and fourth largest banks in UAE, merged to form the banking champion - Emirates NBD. With more than 200 branches and over 900 ATMs and Cash Deposit Machines (CDMs) across the country and overseas, it is globally recognized as the most valued financial services provider in the Middle East. On November 15, 2016, Emirates NBD took over Emirates Money Consumer Finance LLC, becoming a regional consolidation blueprint for banking and finance sector in the UAE.

Corporate Values of the Emirates NBD are:

  • Customer Focus
  • Service Excellence
  • Innovation
  • Passion For Performance
  • Integrity
  • Teamwork

   Get in touch with Emirates NBD Bank Customer Care