Commercial Property Finance in Dubai & UAE

Our Shariah-compliant Commercial Property Finance helps you acquire the right commercial space for your business, whether office, retail, industrial, or residential. Through Ijara, we finance completed properties and provide customised solutions that support better cash flow and business growth. Enjoy competitive profit rates, quick pre-approvals, and flexible payment options.

Benefits

High Finance Amounts

Access up to AED 25 million with financing of up to 70% for commercial properties.

Competitive Profit Rates

Benefit from competitive profit rates that deliver value-driven financing.

Long Payment Tenor

Repay over up to 15 years with instalments aligned to your cash flow.

Features That Support Your Business Plans

High Finance Amounts

Funding up to AED 25 million

Generous Finance Percentage

Up to 70% of property value

Long Payment Tenor

Flexible terms up to 15 years

Competitive Profit Rates

Attractive Shariah-compliant pricing

Quick Pre-Approvals

Fast and simple processing

Completed Property Options

Eligible units in Dubai & Abu Dhabi

Cash on Call

Immediate liquidity when needed

Renting Potential

Generate income from your property

Long-Term Value

Own property for strategic growth

Better Cash-Flow Planning

Focus on business operations

Frequently Asked Questions

Emirates Islamic can finance your need of buying commercial property, which includes, but is not limited to the following properties:

Residential complexes
Retail spaces
Office spaces

Ijara is an Islamic term for an exchange transaction in Islamic banking and finance, which is similar to a lease. In this exchange/contract, the property is purchased by one party and leased, usually for a fixed period and price.

The concept of Ijara differs from a lease in:

Commencement: A lease usually commences on the very next day from the day the amount is paid by the lessor, while in Ijara, the rent is charged after the asset is delivered
Ownership: In a lease, a lessor does not bear all the expenses for the asset purchase, while in Ijara, the lessor bears all the costs of the asset purchase and includes them in the asset cost
Liability: In a conventional lease, the lessee is responsible for any loss to the asset and will not receive any compensation for the same from the lessor. Under the Ijara principle, although the lessee is considered responsible for any loss due to negligence, losses that arise out of uncontrollable circumstances will not be held against him/her.

Yes. Emirates Islamic’s Commercial Property Finance solution can be used to release cash from your completed properties.

Emirate Islamic offers solutions to all individuals who are having an existing relationship with the bank & attracts individuals to establish a new relationship with the bank for their financing needs being offered with competitive features.

Ways to Bank

Stay connected with Emirates Islamic through the EI + Mobile Banking App and EI + Online Banking — simple, secure, and Shariah-compliant.

Finance Support

Get the support you need for managing your existing or new finance accounts with ease.

All the support you need for your accounts

Key Product Information

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Fees And Charges

Fees and charges associated with Finance.