Home finance helps you buy or refinance a property over many years. Compare the down payment, rate, monthly payment, fees and total cost before choosing a bank.
What this means for you
A small rate difference can change the total cost over a long term. Valuation, insurance, processing and early-settlement charges can also matter.
A simple way to decide
- 1 Set your budget
- 2 Compare full cost
- 3 Check property approval
Before you apply
- Check whether the rate is fixed, variable or an Islamic profit rate.
- Add the down payment and all bank and property fees.
- Leave room in your budget for rate changes and other home costs.
Words you may see
- Down payment
- The part of the property price you pay yourself before bank finance.
- Variable rate
- A rate that can move when its reference rate changes.
- Early settlement
- Paying some or all of the finance before the agreed end date.
What the published product data shows
The examples below use published fields from the home-finance records in our catalogue. A blank field means we did not find a reliable published value.
Ajman BankAjman Bank Land Finance
- Minimum salary
- AED 12,000
- Maximum amount
- AED 8,000,000
- Maximum term
- 20 years
- Processing fee
- AED 5,000,000
Bank of BarodaAdvance Against Property to Individuals
- Rate
- 3-month EIBOR + 3% with minimum 4% p.a., or 3-month EIBOR + 3.5% with minimum 4.5% p.a.
- Maximum amount
- AED 20,000,000
- Processing fee
- AED 0.5
Emirates IslamicEmirates Islamic Home Finance
- Minimum salary
- AED 8,000
- Rate
- Fixed introductory or EIBOR-linked; final rate is customer-specific
- Maximum amount
- AED 25,000,000
- Maximum term
- 25 years / 300 months
National Bank of FujairahNBF Home Loan
- Rate
- 4.28% to 6.79% APR
- Maximum amount
- AED 20,000,000
- Maximum term
- 2 to 25 years
- Processing fee
- 1% of loan amount, no maximum cap
Aafaq Islamic FinanceAafaq Property Finance
- Minimum salary
- AED 15,000
- Rate
- Initial fixed period followed by a variable rate linked to EIBOR plus a margin, subject to the contracted floor
- Maximum amount
- AED 10,000,000
- Processing fee
- AED 1
Al KhalijiAl Khaliji Mortgage Loan
- Minimum salary
- AED 25,000
- Rate
- Variable EIBOR plus fixed margin
- Maximum amount
- AED 15,000,000
- Maximum term
- 25 years
These examples are for comparison, not rankings or approval promises. Rates, fees and eligibility can change; use the linked official document for the latest terms.
Official sources used
These bank pages, Key Facts Statements, fee schedules and terms support the product details in this guide. Open the latest version before applying.
- Emirates NBD Home Loan official product pageEmirates NBD · Official-page
- FAB personal banking feesFirst Abu Dhabi Bank · Fee-schedule-index
- Mashreq Mortgage KFSMashreq · Key-facts-statement
- Mashreq Schedule of ChargesMashreq · Schedule-of-charges
- Emirates Islamic Home Finance KFSEmirates Islamic · Key-facts-statement
- Emirates Islamic Key InformationEmirates Islamic · Key-facts-index
- ADCB terms and conditionsAbu Dhabi Commercial Bank · Terms-and-conditions
- ADCB mortgage key facts statementAbu Dhabi Commercial Bank · Key-facts-statement
- ADIB Home Finance key facts statementAbu Dhabi Islamic Bank · Key-facts-statement
- ADIB account and Islamic banking terms and conditionsAbu Dhabi Islamic Bank · Terms-and-conditions
- DIB Home Finance KFSDubai Islamic Bank · Key-facts-statement
- DIB Key Facts StatementsDubai Islamic Bank · Key-facts-index
- Ajman Bank Home Finance key facts statementAjman Bank · Key-facts-statement
- Ajman Bank retail tariff of chargesAjman Bank · Schedule-of-fees