Home Loan

Find your next home with our flexible loans

 

Fixed and variable interest rate options

Property refinancing

Flexible repayments

Digital pre-approval

Highlights

Fixed and variable interest rate options
Property refinancing
Flexible repayments
Digital pre-approval

Looking for a home loan?

Attractive Interest Rate

Competitive interest rates

Attractive fixed and variable rate options available.

High loan amounts

High loan amounts of up to AED 2.5 million for UAE Nationals and AED 750,000 for expats.

No annual fees

Digital pre-approval

Get your mortgage loan pre approval digitally in just a few minutes. Click here for instant pre-approval.

Flexible repayments

0% processing fees on buyouts.

Home Owners Association

Refinance your property

Release cash against your fully paid property.

Home Loan Calculator

AED
The property value amount should be greater than AED 250,000
AED  250,000 AED  20,000,000
AED
The downpayment value should be greater than AED37,500 (15%)
AED  37,500 (15%) AED   200,000 (80%)

Down payment should be at least 15% of the property value for UAE Nationals and 20% for Expatriates

years
Choose the length of your loan between 3 and 25 years
3 years 25 years
%
Choose the interest rate of your loan between 3.99% to 10%
3.99% 10%

AED

Principle

AED 
+

Interest

AED 

Total Repay Amount

AED 
Apply Now

* Hint Message

Attractive fixed & variable rate options available

  • 0% processing fees on buyouts

  • High loan amounts up to AED 20 million with tenure up to 25 years

  • Flexibility to repay up to 15% of your outstanding loan once every year without any additional charges or fees

  • Financing available for salaried, self-employed & non-resident customers

With CBD's home loans, you can:

  • Purchase a new property and move into your dream home

  • Transfer your mortgage loan in the UAE from other financial institutions to reduce your monthly payments

  • Refinance your “Ready Property” to get easy access to liquidity

  • Invest/Refinance Plots/Land & Farm House (for UAE Nationals only)

  • Invest /Refinance Plots in Dubai with Select Developers for Expatriates

Eligibility criteria

If you are a salaried individual (UAE Nationals and Expatriates):
Aged between 21 and 65 years (at loan maturity)
Minimum monthly income of AED 12,000
Minimum length of service of 6 months
If you are self-employed (UAE Nationals and Expatriates):
Aged between 21 and 70 years (at loan maturity)
Minimum monthly income of AED 20,000
Minimum length of 3 years in business

* Additional documents may be applicable as per underwriting terms and eligibility criteria

Home Loans

Required documents

If you are a salaried individual:
  • Application form, consent letter & authorization letter for Bureau check.
  • National ID or valid passport, residence visa and Emirates ID.
  • Original 3 months bank statement for new customers.
  • Salary Certificate.
If you are self-employed:
  • Application form, authorization letter for lending and consent letter for Bureau check
  • Copy of Trade License, Chamber of Commerce Registration, Memorandum and Articles of Association.
  • Original 12 months company and personal bank statements for new customers.
* Additional documents may be applicable as per underwriting terms and eligibility criteria

Life Insurance terms and conditions before 16th October 2020 (For Existing Borrowers)

Life Insurance terms and conditions after 16th October 2020 (For New Borrowers)

Fees and charges

Attractive fixed and variable options available
0% processing fees on Buyouts
High loan amounts up to AED 20 MM with tenure up to 25 years
Flexibility to repay up to 15% of your Outstanding once every year without any additional charges or fees
Financing available for Salaried, Self-employed & Non-resident customers
If you are self-employed (UAE Nationals and Expatriates):
Purchase a new property and move into your dream home
Transfer your mortgage loan in the UAE from other financial institutions to reduce your monthly payments
Refinance your “Ready Property” to get easy access to liquidity
Invest in “Under Construction” property
Invest/Refinance Plots/Land & Farm House (for UAE Nationals only)
Invest /Refinance Plots in Dubai with Select Developers for Expatriates

* Additional documents may be applicable as per underwriting terms and eligibility criteria

Key Facts Statement

We kindly request you to carefully read and understand this document, If you are applying for a Home Loan from Commercial Bank of Dubai.

Learn more

Digital Mortgage pre-approval FAQs

Click here

Warning

If you do not keep up your repayments/payments, you may lose your property. For complete product details and warnings, please refer to the Key Facts Statement.

Our goal at CBD is to ensure that everyone has access to affordable banking solutions to help improve financial capability, promote savings, and build assets and wealth in the months and years to come.

Transferring your salary to CBD will ensure you enjoy a better rate on your Home Loan than that of non-salary transfer customers, leading to significant savings over the years.

Download CBD App - and open an account in minutes.

Access your financial future from the palm of your hand.

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