ProviderEmirates Islamic
Emirates Islamic Ijara Home Finance
Eligibility unknownShariah-compliantMortgagesLong-term finance for residential property in the UAE.
Last verified Nov 11, 2026, 3:01 PM1 source behind these figures
Terms and conditions
| Pricing | |
| Minimum amount | AED 500,000.001 source
|
|---|---|
| Maximum amount | AED 5,000,000.001 source
|
| Rate type | Reducing balance1 source
|
| Interest rate (APR) | —No evidence recorded |
| Profit rate | 5.79% p.a.1 source
|
| Processing fee | 1.00% flat1 source
|
| Processing fee cap | AED 1,500.001 source
|
| Early settlement fee | 3.00% flat1 source
|
| Maximum loan-to-value | 85.00% flat1 source
|
| Fixed-rate period | 24 months1 source
|
| Terms | |
| Salary transfer required | No1 source
|
| Processing time | 3 days1 source
|
| Eligible property types | Apartment, Villa, Townhouse1 source
|
| Shariah compliance | |
| Shariah structure | Murabaha1 source
|
| Profit rate basis | Reducing balance1 source
|
| Shariah board reference | EI-SSB-2026-0331 source
|
| Eligibility | |
| Minimum monthly income | AED 19,500.001 source
|
| Minimum age | 21 years1 source
|
| Maximum age at maturity | 60 years1 source
|
| Residency eligibility | Residents and UAE nationals1 source
|
| Eligible employer types | Private sector, Government1 source
|
| Minimum tenure | 60 months1 source
|
| Maximum tenure | 300 months1 source
|