Home Loan for UAE nationals

What is the process of getting a Home Loan For UAE Nationals?

UAE nationals can get a home loan in UAE through the following process:

  1. The first step is to approach a national bank/pre-eminent bank or financial institution of your choice and request a Home Loan Application Form.
  2. Once you have submitted the duly filled application form, the bank will assess your eligibility for the loan based on certain parameters such as your age, employment status, salary, etc.
  3. If you meet the eligibility criteria, the bank will sanction the loan amount and disbursed it to your account.
  4. You can then use a home loan in UAE to purchase properties of your choice.
A man is handing over keys to a house as the other person secures the best home loan in Dubai.

The process of getting a home loan for UAE nationals is relatively simple and straightforward. However, it is important to compare different offers from different banks before choosing one that best suits your needs and requirements.

What are the benefits of using a loan against property in the United Arab Emirates?

Key Benefits

Finance  up to 80% of the property value

Choose a repayment term that suits your needs

Choose from a wide range of home loans

A dedicated relationship manager to assist you throughout the process

What are the documents required for Home Loan for UAE Nationals?

To get a home loan in UAE a person must have the following documents in order to apply for a home loan in UAE:


  1. A duly filled and signed home loan application form
  2. Passport-size photographs
  3. Copies of your Emirates ID
  4. Salary certificate or pay slips for the last 3 months
  5. Bank statements for the last 6 months
  6. Property-related documents (if applicable)
  7. No Objection Certificate (NOC) from your current employer (if applicable)

The documents required for a home loan in UAE may vary slightly from bank to bank, eMortgage can assist you with the entire process and documentation.

Eligibility for a Home loan for UAE residents

To be eligible for a home loan in UAE, you must be a UAE national, be employed, and have a regular income. The minimum age to get the eligibility for a home loan in the Emirates is 21 years, if you are below 21 years then you’ll not be eligible for a home loan. UAE locals with a good credit history have a higher chance of availing of a home loan at a lower interest rate. Home loan for UAE residents is provided by many banks in the emirates. Be sure to compare the offers before choosing the best one for you.

Interest Rates for Home Loan for UAE locals

The interest rate for home loans in the Emirates lies between 2.99 to 5 percent depending upon where you get your loan from, securing a low-interest rate is possible with certain banks but not all. Interest rates for UAE nationals are usually at par with what is being offered in the international markets.

The interest rates on home loans in the United Arab Emirates have been on a steady decline over the past few years. Local banks offer a wide range of products and services to cater to the needs of their customers. However, not all banks offer home loans at competitive rates. It is important to compare the interest rates of different banks before availing of a loan.

Benefits of Choosing eMortgage for Home Loans for UAE Nationals

Key Benefits of choosing eMortgage for home loans in Dubai are:

  • High Finance Amount up to 80% of the property value
  • Competitive Interest Rates
  • Flexible Repayment Terms
  • Quick and Easy Approval Process
  • Provision of Bank Facilities
  • Commitment to quality management 
  • Minimum Documentation
  • Continuous Commitment
  • Dedicated Relationship Manager

Emortgage is one of the leading mortgage brokers in Dubai, UAE. We have a team of dedicated relationship managers who will assist you throughout the process of availing of a home loan. We have a strong commitment with all the major banks in UAE and can help you get a home loan at the best possible rate.

For more information on Home Loans for UAE Nationals, please contact us today.

Our Partners

We are proudly associated with region’s leading banks and financial institutions.