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A home of your own is the dream closest to your heart. With a promise of prosperity, United Arab Bank offers home loans which are really simple and easy for you.
Major Advantage: Fixed Rate options also available
Points to Consider: High salary requirement
Reducing Balance Rate
Category | Interest Rates |
For Salary Transfer | Starting from 3.89% |
For Non-Salary Transfer | Starting from 4.19% |
For Self Employed (Full Documentation) | Starting from 4.99% |
For Self Employed (Low Documentation) | Starting from 5.24% |
Non Resident | Starting from 5.49% |
Complete the form to get more detailed rate options as per your working profile
Interest Rates & Charges:
Reducing Rate (as advertised): Starting from 3.89%
Flat Rate: 2.26% p.a. (As per 25 years calculation)
Processing Fees: 0.52% (for resale) / 1% (For equity release) (Nil on buy out transaction)
Preapproval Fees: Nil
Property valuation Fees: AED 3,000 (for salary transfer clients)
Early Settlement Fees: 1% of outstanding amount (Max cap AED 10,000)
Partial Settlement Fees: Up to 20% of the loan outstanding without any charge (once a year)
Finance Requirements:
Minimum Salary Requirement:
Minimum Length of Service Required: 6 Months for salaried; 2 Years for Self Employed
Salary Transfer: Not Compulsory
Minimum Downpayment:
Key Details:
Maximum Finance Amount: AED 10,000,000
Islamic Finance: Both Conventional and Islamic options available
Maximum Term: 25 Years
Finance available for: All ready properties with title deed in Emirates
Insurance (Compulsory):
Life Insurance: 0.1728% p.a. on outstanding balance
Property Insurance: 0.06% p.a. (on property value)
Common Documents:
Salaried Client Documents:
Self-Employed Client Documents:
Minimum Salary: 10,000 AED
Reducing Rate 4.89%
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