BEST OFFERS
Employed Resident 3.89% | Self Employed Resident 4.19%
| Mortgage buyout from 3.99% fixed TODAY'S CURRENT EIBOR
On |
3.593720
One Week |
4.148240
One Month |
4.144580
Three Months |
4.226200
Six Months |
4.565430
TWELVE MONTHS |
4.722220
Credit Underwriting
Credit underwriting is the process where the bank reviews the applicant’s profile to decide whether to approve the loan, reject it, or approve it with certain conditions. During credit underwriting, the bank will assess the applicant’s income, employment stability, existing liabilities, credit history, AECB Credit Report etc.
The underwriting team of the bank checks whether the application meets the bank’s internal policy and the UAE Central Bank’s mortgage regulations, including the Debt Burden Ratio (DBR) limit, which is generally capped at 50%. In simple terms, credit underwriting is the bank’s risk assessment stage.
Best Mortgage Rates in UAE
Last updated 12 Oct 2026
Employed Resident
3.89%
Fixed for 2 years
Thereafter
1.79% + 3M EIBOR with a minimum floor rate of 2.49%
Property Insurance - 0.06% p.a.
Life Insurance - 0.0197% p.m
Employed Non Resident
4.19%
Fixed for 3 years
Thereafter
1.89% + 3M EIBOR with a minimum floor rate of 2.24%
Property Insurance - 0.05% p.a.
Life Insurance - 0.0102% p.m
Self Employed Resident
4.19%
Fixed for 3 years
Thereafter
1.89% + 3M EIBOR with a minimum floor rate of 2.24%
Property Insurance - 0.05% p.a.
Life Insurance - 0.0102% p.m
Self Employed Non Resident
4.19%
Fixed for 3 years
Thereafter
1.89% + 3M EIBOR with a minimum floor rate of 2.24%
Property Insurance - 0.05% p.a.
Life Insurance - 0.0102% p.m
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