Fees & charges

ADIB's upfront charge of up to 2% of the finance amount payable at booking — functionally the processing fee, distinct from DIB's construction-period Advance Rental.

Standard Chartered's split of the origination fee: a portion collected at application (50% of the total, capped at AED 10,500), the remainder at disbursement.

HSBC's name for the one-time mortgage origination fee (up to 1% of loan amount; flat AED 2,625 on balance transfers).

The charge (up to 1.05% of the outstanding amount, capped at AED 10,500 at SC) when the customer moves the loan out to another financial institution.

The designated bank account into which commitment-to-donate amounts collected from late payers are credited before disbursement to charity.

Standard Chartered's charge for switching a standard home loan to the Mortgage One offset account or vice versa mid-tenor.

The prevailing loan rate (or a penalty uplift) applied to overdue instalment amounts until they are paid.

Uncommitted rebate the bank may grant at its discretion, e.g. reducing the sale price on early Murabaha settlement or offsetting Murabaha profit.

Per-document charges (AED 78.75–105) for copies of the repayment schedule, offer letter, mortgage contracts, title deed or non-standard statements.

The processing fee on Islamic home finance, calculated on the finance amount (min AED 5,250 / max AED 105,000 incl. VAT at DIB) in lieu of interest-based arrangement fees.

The price at which the customer buys the property from the bank to settle early — typically total outstanding plus up to 1% of the outstanding base amount, capped per CBUAE rules.

Termination of a credit facility by paying the outstanding amount before the contract date; for home loans the fee is capped at 1% of outstanding balance or AED 10,000, whichever is less.

The penalty for repaying the loan in full before maturity, capped by CBUAE rules at ~1% of the outstanding principal or AED 10,000 (10,500 incl. VAT), whichever is lower.

The price payable on exercise of the purchase or sale undertaking to acquire the property, used by ADCB to frame its early-settlement Sharia-compliant mechanism.

Fixed AED 10 Dubai government surcharge applied per drawing/document on DLD transactions including mortgage registration.

The per-deferral charge (e.g. AED 105 at FAB) for postponing a monthly instalment; RAKBANK prohibits deferrals on its mortgage.

Fixed AED 10 Dubai government surcharge applied per drawing/document on DLD transactions including mortgage registration.

A flat or capped charge (e.g. AED 420 at ENBD, AED 735 at RAKBANK, 2% of EMI at NBF/UAB) levied when the monthly repayment is not received in full by its due date.

Penalty for missed instalments; CBUAE fee schedule caps home-loan late payment fees at AED 700 (consumer loans: max AED 200 penal interest charges).

The charge (AED 89.25) for issuing a statement of the customer's outstanding liabilities, typically needed by another bank for a buyout.

The charge (AED 105 at FAB) when a customer cancels the loan application after the cooling-off period but before disbursement.

The charge (AED 3,150 at CBD) for restructuring an existing loan's terms at the borrower's request.

Government charges payable to the Land Department to register the mortgage, borne by the borrower on an actual-cost basis.

The charge (AED 94.50–99.75) for issuing a clearance letter confirming the loan is fully settled and the customer has no further liability.

The charge (AED 157.50 at CBD) for a no-objection certificate addressed to the rent committee, RERA, developer or other authority.

The standalone charge (AED 1,050 at CBD) for amending an issued offer letter at the customer's request.

The maximum percentage of the loan balance (free up to 25%) that deposit balances may offset for interest calculation in a Mortgage One account.

The annual fee (0.26% above 25% offset, 0.52% above 50%) charged on the Preset Safety Limit for the offset benefit, whether or not deposits exist.

The free-of-charge annual prepayment quota (e.g. 25% at HSBC/SC, 30% at ADCB, 15% at CBD of the outstanding balance) above which the partial-settlement fee applies.

Fee levied when part of the loan/financing is repaid before a specified date; capped for home loans at 1% of outstanding balance or AED 10,000, whichever is less.

The charge on a lump-sum principal prepayment, typically 1% of the prepaid amount capped at AED 10,500, often with a free annual allowance (15–30% of outstanding).

A fixed charge for a preliminary, conditional approval of borrowing capacity before a property is selected; sometimes adjusted against the processing fee.

The standalone charge (AED 525 at CBD) for extending or revalidating an expired conditional/pre-approval.

The standard amortisation schedule balance used as the base for computing the Mortgage One offset fee, ignoring deposit offsets.

The one-time, non-refundable origination charge (typically 1–1.05% of the loan amount, incl. VAT) levied at approval or disbursement.

Non-refundable fee paid to a third-party valuer for assessing the property, typically AED 2,500 for a standard report.

The one-time AED 525 charge at Standard Chartered for assigning a self-arranged property insurance policy to the bank.

The charge (max AED 1,386, valuation included) for substituting a different property as the mortgaged security mid-loan.

The charge (AED 3,150 at FAB, AED 262.50 at UAB) for re-structuring the repayment schedule of an existing loan.

ADIB's formulation of the amount due on early payoff: the sale price of the leased property, including up to 1% of the outstanding base amount.

The charge (commonly AED 2,500–3,150 incl. VAT, more for self-construction) for an independent market-value assessment of the property by a bank-approved valuer.

The 5% UAE tax added to bank fees and charges (life insurance premiums are exempt), making quoted fees 1.05× the net rate.