Home Finance in Dubai & UAE | Competitive Profit Rates

On the Home Finance Solutions page, use the Finance Calculator: choose the Home tab, enter the financing amount you would like (between AED 250,000 and AED 15,000,000), set your preferred payment period (12 to 300 months) using the slider, and enter a profit rate. The calculator instantly displays an estimated monthly payment so you can plan before applying for Personal Finance, Home Finance or Auto Finance.

Profit rates for UAE Nationals' home finance are competitive and linked to EIBOR, giving transparent, market-aligned pricing. The exact rate offered depends on factors such as the finance tenure, the amount financed, the specific product (e.g. standard Home Finance, MBRHE or Sharjah Department of Housing finance), and the applicant's credit profile, and is subject to bank policy and approval.

Emirates Islamic offers a dedicated Home Finance solution for beneficiaries of the Sharjah Department of Housing (SDH). Eligible UAE Nationals from Sharjah can access a Housing Program facility of up to AED 800,000 for construction or home purchase, combined with additional Emirates Islamic Home Finance if required, payment tenors of up to 25 years, Family and Property Takaful coverage, and complimentary engineering and project-monitoring services for under-construction homes, structured under the Islamic principle of Forward Ijarah.

Profit rates on commercial property finance are generally shaped by factors such as the financing tenure, the finance-to-value (how much of the property's value is financed, up to 70% with Emirates Islamic), the type, location and completion status of the property, the applicant's credit and income profile, and prevailing benchmark rates such as EIBOR.

As you adjust the tenure slider on the calculator, the estimated monthly payment recalculates instantly. Choosing a longer tenure (up to 25 years for standard Home Finance, or up to 15 years for Commercial Property Finance) spreads the principal and profit over more instalments, lowering the monthly payment, while a shorter tenure raises the monthly instalment but reduces the total profit paid over the life of the finance.

Islamic home finance operates under Ijarah Muntahiya Bittamlik, a lease-to-own structure. The bank purchases the property and leases it to you for an agreed term. Your rental payments incorporate the property's cost and the bank's profit margin. Once you have fulfilled all obligations under the lease, ownership transfers to you through a Sale Agreement at a token price. Unlike a conventional mortgage, no riba is charged at any stage.

Customers with an existing Emirates Islamic Home Finance can apply for a finance top-up, subject to meeting the bank's eligibility and credit criteria, including sufficient payment capacity, a satisfactory payment track record on the existing facility, and the property continuing to meet the bank's valuation requirements. You can start the process via the 'Apply for finance top-up' option under Help & Support.

Yes, profit rates can vary across government housing programs such as the Mohammed Bin Rashid Housing Establishment (MBRHE) and the Sharjah Department of Housing (SDH), since part of the financing in these programs comes from the government facility itself, with Emirates Islamic providing competitive, EIBOR-linked rates on any additional finance required to complete construction or purchase.

Yes. Emirates Islamic offers Construction Finance on granted land with first-rank and second-rank mortgages, covering Restricted Properties areas (where ownership is limited to UAE Nationals) across all seven Emirates, as well as land granted under government housing programs such as the Mohammed Bin Rashid Housing Establishment and the Sharjah Housing Program.

Home finance profit rates in the UAE are typically influenced by the type of finance product, the financing tenure, the finance-to-value ratio, whether the property is completed or under construction, the applicant's credit profile and income stability, and movements in benchmark rates such as EIBOR, to which Emirates Islamic's profit rates are linked.

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Frequently Asked Questions

How can I use the home finance calculator to estimate monthly payments?

How are home finance profit rates determined for UAE Nationals?

How does Emirates Islamic support the Sharjah Department of Housing (SDH) finance program?

What factors influence home finance profit rates for commercial property investments?

How does the home finance calculator adjust payments for different tenures?

What makes home finance in the UAE Shariah-compliant compared to conventional mortgages?

What are the eligibility requirements for an Emirates Islamic home finance top-up?

Do home finance profit rates vary across government housing programs?

Is home finance in the UAE available for land purchase and self-construction?

What factors can influence home finance profit rates in the UAE?

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