Mortgage products

A loan to finance building a home on a plot, with the rate fixed during construction and reverting to a variable EIBOR-linked rate after completion.

Any form of credit provided by an LFI; enumerated in Art. 61(1)(b) of Decree-Law 6/2025 as a licensed financial activity.

Up-front payment from the buyer covering part of the purchase price, reducing the loan amount; must come from the borrower's own resources, not other borrowing.

State-backed schemes (nationals only) for building or buying homes, financed by banks under programme-specific rate and settlement rules.

A mortgage available only for properties certified to a recognised sustainable-building standard (e.g. BARJEEL, LEED, BREEAM, Estidama), often with preferential pricing.

A secured instalment loan to finance or refinance the purchase of residential property, repaid via monthly instalments of principal and interest.

A mortgage variant where interest is charged net of the balance in a linked current account, reducing interest cost and accelerating repayment.

Initial period where only interest is paid and principal repayment is deferred; permitted only for investment loans and capped at 5 years from first drawdown.

A mortgage for a property bought to let or resell rather than for own occupation, with stricter grace-period and sometimes interest-only terms.

An instalment loan secured against an already-owned residential or commercial property to release its equity for personal or business use.

The contractual life of the loan, up to 25 years (300 months) for residential property and 15 years for commercial.

A loan collateralized against residential property, granted to construct, purchase or renovate a home for owner-occupation or investment, including land purchase/development for those purposes.

An offset mortgage where deposit balances offset the loan balance for interest purposes, subject to an Offset Cap and annual Offset Fee.

FAB's subsidized Ijarah for UAE Nationals under the Ministry of Presidential Affairs Mubadarat housing programme, with MOPA subsidizing the variable rental.

A bundled package combining a mortgage, credit card and salary transfer with tiered annual membership fees and pricing benefits.

An interest-free housing loan for Emirati citizens of Abu Dhabi, approved and policy-governed by the Abu Dhabi Housing Authority (ADHA).

A mortgage for a property still under construction, disbursed to the developer per the construction schedule, with interest-only servicing until completion.

A commercial mortgage loan for purchasing office premises, with shorter tenor (up to 15 years) and lower LTV (up to 60%) than residential loans.

Standard Chartered's Islamic home finance brand, structured on Ijarah where the bank purchases the property and leases it to the client.

SC's offset variant of Saadiq home finance linking a current account to reduce the finance balance, convertible against a conversion fee.

Federal housing programme for UAE Nationals under which banks offer subsidized Ijarah finance with the programme paying part of the variable or advance rental.

The default amortising mortgage, convertible (for a fee) into an offset-style Mortgage One account at Standard Chartered.

Ijarah facility under UAE national housing programmes (SZHP, Mubadarat/MOPA) where the programme subsidizes the variable rental (profit) portion on the customer's behalf.

The initial term length of a mortgage loan; CBUAE caps the maximum tenor at 25 years.

Finance for properties not yet completed, structured via Istisna'a plus Forward Ijara, with advance rental during construction and no property takaful until completion.