BEST OFFERS
Employed Resident 3.78% | Self Employed Resident 3.99%
TODAY'S CURRENT EIBOR
On |
3.432480
One Week |
3.657370
One Month |
3.733260
Three Months |
3.806080
Six Months |
3.923180
TWELVE MONTHS |
4.163890
BEST OFFERS
Employed Resident 3.78% | Self Employed Resident 3.99%
TODAY'S CURRENT EIBOR
On |
3.432480
One Week |
3.657370
One Month |
3.733260
Three Months |
3.806080
Six Months |
3.923180
TWELVE MONTHS |
4.163890
Non-Salary Transfer Loan (NSTL)
In UAE mortgages, loans are typically structured as either Salary Transfer (STL) or Non-Salary Transfer (NSTL).
Under a Non-Salary Transfer (NSTL) mortgage, the salary continues to remain in the same bank as it has been, while the mortgage is taken from a different bank. Repayments are made separately, usually through direct debit.
Compared to salary transfer facilities, NSTL loans may have slightly higher pricing or stricter terms, depending on the bank. However, this option provides more flexibility, as there is no requirement to move the salary to the mortgage provider.
Best Mortgage Rates in UAE
Updated Daily
Employed Resident
3.78%
Fixed for 2 years
Thereafter
1.89% + 6M EIBOR with a minimum floor rate of 3.24%
Property Insurance - 0.06% p.a.
Life Insurance - 0.035% 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
3.99%
Fixed for 2 years
Thereafter
1.29% + 3M EIBOR
Property Insurance - 0.035% p.a.
Life Insurance - 0% 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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