BEST OFFERS
Employed Resident 3.70% | Self Employed Resident 4.10%
EIBOR RATES TODAY
On |
3.724130
One Week |
3.849210
One Month |
3.824350
Three Months |
3.667250
Six Months |
3.634070
TWELVE MONTHS |
3.624730
Value Date |
09-12-2025
BEST OFFERS
Employed Resident 3.70% | Self Employed Resident 4.10%
EIBOR RATES TODAY
On |
3.724130
One Week |
3.849210
One Month |
3.824350
Three Months |
3.667250
Six Months |
3.634070
TWELVE MONTHS |
3.624730
Value Date |
09-12-2025
DSCR(Debt service coverage ratio)
This is used in commercial properties, it is the ratio between net annual rental incomes to the sum of annual mortgage payments.
DSCR = Annual net rental income / annual mortgage debt service value. In the UAE DSCR has to be less than 1.5. This is also represented as a percentage by some banks as 150%.
Best Mortgage Rates in UAE
Updated Daily
Employed Resident
3.70%
Fixed for 3 years
Thereafter
1.59% + 3M EIBOR with a minimum floor rate of 3.7%
Property Insurance - 0.0378% p.a.
Life Insurance - 0.02% p.m
Employed Non Resident
4.19%
Fixed for 3 years
Thereafter
1.99% + 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
4.10%
Fixed for 3 years
Thereafter
1.75% + 3M EIBOR with a minimum floor rate of 1.75%
Property Insurance - 0.03325% p.a.
Life Insurance - 0.03% p.m
Self Employed Non Resident
4.19%
Fixed for 3 years
Thereafter
1.99% + 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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