BEST OFFERS
Employed Resident 3.79% | Self Employed Resident 4.10%
EIBOR RATES TODAY
On |
3.422060
One Week |
3.595420
One Month |
3.651960
Three Months |
3.593690
Six Months |
3.556600
TWELVE MONTHS |
3.681820
Value Date |
02-02-2026
BEST OFFERS
Employed Resident 3.79% | Self Employed Resident 4.10%
EIBOR RATES TODAY
On |
3.422060
One Week |
3.595420
One Month |
3.651960
Three Months |
3.593690
Six Months |
3.556600
TWELVE MONTHS |
3.681820
Value Date |
02-02-2026
Variable Rate Mortgage
A variable-rate mortgage is a loan where the interest rate of the loan is variable from the start. The value of the variable rate is determined by referencing a benchmark rate. In the UAE, EIBOR is used as a benchmark to determine the variable rate. E.g. Variable rate = 3Month EIBOR rate + 2% mark up. I.e. if the 3Month EIBOR rate is 0.4% then the variable rate will be 2.4%. Usually, the variable rate is determined by referencing the benchmark rate on the day the repayment is calculated.
Best Mortgage Rates in UAE
Updated Daily
Employed Resident
3.79%
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
1.99% + 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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