Documents

A signed amendment to the lease agreement used to implement changes such as revised rental, tenor or payment date.

Three months (salaried) or twelve months (self-employed) of original account statements used to verify income at origination.

The bank-issued confirmation that the loan is fully repaid, required to release the mortgage and complete a buyout from another bank.

The interim document issued by the takaful/insurance company confirming that property cover is in place.

The mandatory national identity card submitted with passport and residence visa; expired documents can block transactions.

The bundle of contractual documents (application, offer, security) signed at origination, whose fees apply if cancelled after cooling-off.

Concise plain-language summary of a product's key features and risks; must be the first document given in the sales process and signed-for by the consumer before contract signing.

Bank-issued statement of outstanding liabilities, required when refinancing with another bank; CBUAE caps issuance at AED 85 (home loans) / AED 60 (to other banks). [AR: AR equivalent not verified on the CPS AR page — the AR annexure fee table is published in English only.]

The executed contract governing the loan; the KFS is not an offer and does not replace it.

Electronic developer-issued no-objection certificate (via Dubai REST app) required by DLD for registering mortgages on provisional-sale properties.

The bank's binding document stating the final loan terms (rate, margin, tenor, fees), which supersedes the indicative KFS figures.

DLD's provisional registration system/certificate for off-plan sales; the provisional-sale registration certificate is issued as 'Oqoodi'.

Legal authorization required by DLD when a representative acts on behalf of an owner in mortgage registration.

The personalised schedule of instalment dates and amounts provided at origination, varying by loan amount, tenor and rate.

The KFS-mandated worked example (loan amount, APR, EMI under both introductory-fixed and fully-variable options) for cost comparison.

An employer-issued confirmation of the borrower's salary, a core underwriting document for salaried applicants.

The bank's published master tariff of all product fees, incorporated by reference into the KFS and amended on 60 days' notice.

The documents creating the bank's security (mortgage deed, cheques, assignments), enforceable on breach (Arabic counterpart not separately labelled in FAB text).

The published certificate evidencing that the home finance product was reviewed and approved by the bank's Sharia committee.

The periodic statement of instalments, fees and VAT billed, issued monthly or quarterly during the loan tenor.

The certificate issued by the takaful operator evidencing cover and setting out its conditions and exclusions.

The legal ownership document for a property; CBUAE requires titles free of encumbrances before registering security interests.

The business licence of a self-employed applicant, submitted with chamber registration and memorandum of association for underwriting.

Title document evidencing a usufruct right over a property, accepted by DLD for mortgage registration like an ordinary title deed.

The standardised CBUAE risk warnings in every KFS: arrears damage credit rating, early repayment may attract penalties, you may lose your property.