Emirates NBD Home Loan
Emirates NBDQuick Answer
Emirates NBD Home Loan is a leading UAE mortgage product offering competitive rates from 4.24% APR, loan amounts up to AED 15M, and up to 80% LTV. Best for UAE nationals and expatriates purchasing residential property in Dubai, Abu Dhabi, and across the UAE.
Emirates NBD is one of the largest banking groups in the Middle East and offers comprehensive home financing solutions for both UAE nationals and expatriates. Their home loan portfolio covers property purchase, construction, extension, and home renovation, with loan amounts reaching up to AED 15 million depending on salary and property valuation. The bank offers both fixed-rate and variable-rate options with competitive APRs starting from 4.24%. Loan amounts range from AED 150,000 to AED 15,000,000 (approximately $40,000 to $4 million USD) with repayment terms extending from 1 to 25 years. Emirates NBD finances up to 80% of the property value for UAE nationals and up to 75% for expatriates, in line with Central Bank of the UAE regulations. An origination fee of 1% of the loan amount applies, and early settlement fees apply if the loan is fully repaid within the first 3 years. Emirates NBD's digital platform allows applicants to apply online, track their application status, and upload documents through the mobile app. The bank provides pre-approval within 5-7 business days and coordinates with property valuation and legal teams to streamline the closing process. For expatriate borrowers, Emirates NBD offers competitive rates for high-value loans and accepts foreign income with proper documentation. The property itself serves as collateral for the mortgage.
Key Details
Key Features
- •Loan amounts from AED 150,000 to AED 15,000,000
- •Fixed APR from 4.24% to 7.50%
- •Terms from 1 to 25 years (12 to 300 months)
- •Up to 80% LTV for UAE nationals, 75% for expatriates
- •1% origination fee, early settlement fee applies within 3 years
Pros
- +Finances up to 80% of property value for UAE nationals and 75% for expatriates at competitive rates from 4.24% APR
- +Loan amounts up to AED 15M cover high-value UAE real estate including Dubai and Abu Dhabi properties
- +Both fixed and variable rate options available with flexible terms from 1 to 25 years
- +Digital application and document upload via mobile app with pre-approval within 5-7 business days
Cons
- −1% origination fee on loan amount adds to upfront closing costs
- −Early settlement fee applies when fully repaying within the first 3 years of the loan term
- −Expatriates require minimum salary of AED 15,000 per month with 3 months of bank statements
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Is Emirates NBD Home Loan right for me?
Emirates NBD Home Loan is a leading UAE mortgage product offering competitive rates from 4.24% APR, loan amounts up to AED 15M, and up to 80% LTV. Best for UAE nationals and expatriates purchasing residential property in Dubai, Abu Dhabi, and across the UAE.
What are the pros of Emirates NBD Home Loan?
Pros: Finances up to 80% of property value for UAE nationals and 75% for expatriates at competitive rates from 4.24% APR, Loan amounts up to AED 15M cover high-value UAE real estate including Dubai and Abu Dhabi properties, Both fixed and variable rate options available with flexible terms from 1 to 25 years.
What are the cons of Emirates NBD Home Loan?
Cons: 1% origination fee on loan amount adds to upfront closing costs, Early settlement fee applies when fully repaying within the first 3 years of the loan term, Expatriates require minimum salary of AED 15,000 per month with 3 months of bank statements.
Reviewed by Finatune · Last updated 2026-10-24