BEST OFFERS
Employed Resident 3.70% | Self Employed Resident 4.10%
EIBOR RATES TODAY
On |
3.559090
One Week |
3.757580
One Month |
3.690620
Three Months |
3.474440
Six Months |
3.524770
TWELVE MONTHS |
3.613120
Value Date |
05-01-2026
BEST OFFERS
Employed Resident 3.70% | Self Employed Resident 4.10%
EIBOR RATES TODAY
On |
3.559090
One Week |
3.757580
One Month |
3.690620
Three Months |
3.474440
Six Months |
3.524770
TWELVE MONTHS |
3.613120
Value Date |
05-01-2026
Mortgage smart definitions

Form F/ Unified Sell Contract(F)/ MOU

RERA Form F, also known as the Unified Sell Contract or MOU, is a mandatory legal document used in property resale, handover resale, and equity release transactions for the purchase of a property. It serves as the Memorandum of Understanding between the buyer and the seller, confirming that both parties have agreed to the terms and conditions of the property sale.

Form F is prepared by the real estate agent through the Dubai Land Department (DLD) portal. Before Form F can be created, Form A and Form B must be initiated and signed and approved. (Form A by the seller and Form B by the buyer). Once both forms are completed and agreed upon, the agent proceeds to generate Form F, which is then signed or approved by both the buyer and the seller. Form F has a predefined validity period, and if required, both parties may mutually agree to extend it.

As part of the mortgage application process, the bank requires Form F to be shared during the FOL (Final offer letter) initiation stage for the above mentioned transactions.

Form F contains all key details of the transaction, including the buyer’s and seller’s information, complete property details such as the agreed purchase price and tenancy status (if applicable), broker details for both the buyer’s and seller’s agents along with commission percentages, applicable Dubai Land Department (DLD) fees, and the terms and conditions governing the sale. Once signed or approved, Form F becomes legally binding and is required to proceed with the property transfer.

Best Mortgage Rates in UAE

Updated Daily
Employed Resident
Best Mortgage Rate
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
For more info
Contact on whatsapp
Employed Non Resident
Best Mortgage Rate
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
For more info
Contact on whatsapp
Self Employed Resident
Best Mortgage Rate
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
For more info
Contact on whatsapp
Self Employed Non Resident
Best Mortgage Rate
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
For more info
Contact on whatsapp

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