Salary Certificate

A salary certificate is an official letter issued by your employer confirming your employment details. This usually includes information such as your joining date, job title, monthly salary, allowances, employment status etc. It is one of the main documents required when applying for a mortgage in the UAE under a salaried profile both for residents and non residents.

Most banks require the salary certificate to be addressed to the bank, however, some banks may also accept an open-format salary certificate addressed “To Whom It May Concern.”

There is no fixed format for a salary certificate, as many employers already have their own standard template. However, if your employer does not have a format, your mortgage broker can usually share the bank’s preferred salary certificate format with you.

A salary certificate is a time-sensitive document and is usually valid for 30 days from the date of issue. Certain banks require the salary certificate to be shared at the FOL signing in the bank.

If the employer follows a manual system, the salary certificate may need to be provided as a hard copy with a wet-ink signature and company stamp. In this case, the original document may need to be carried at the time of FOL signing.

If the employer uses a digital HR system, the salary certificate can usually be shared by email at the time of FOL signing. Digitally generated salary certificates often include a disclaimer stating that the document is system-generated and does not require a wet ink signature or stamp.