Mohammed Bin Rashid Housing Establishment in Dubai & UAE

Mohammed Bin Rashid Housing Establishment

Empowering UAE Nationals with Shariah-compliant finance to create a home of their own.

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Your Path to a New Home

We take pride in supporting UAE National beneficiaries as they work toward owning a home and bringing their families together. Emirates Islamic offers exclusive Home Finance solutions to help you construct your house or purchase a new home under the Mohammed Bin Rashid Housing Establishment (MBRHE) Housing Programme.

Benefits

Extended Payment Tenor

Benefit from payment periods of up to 25 years, keeping instalments manageable.

Housing Program Facility

Benefit from up to AED 1,000,000 through the Housing Program, complemented by Emirates Islamic Home Finance.

50% Processing Discount

Enjoy a 50% discount on processing fees instead of the standard 1% of finance amount.

Program Benefits

A seamless way to own your home through Shariah-Complaint Forward ljarah

Housing Program Facility

Up to AED 1,000,000 + Emirates Islamic Home Finance

Quick Approvals

Fast and efficient processing

Long Payment Tenor

Up to 25 years

Life Takaful Coverage

Protection against unforeseen events

Convenient Monthly Payments

Easy instalments with direct debit

Property Takaful Coverage

Protection for your property

Engineering & Monitoring Services

Support for under-construction homes

Minimal Documentation

Quick and straightforward document requirements

Product Suite

Support for building or buying your home

Additional Financing Solutions

Flexible funding for construction or purchase

Expert Services

Guidance for under-construction homes

MBRHE Salary Transfer Package

We are proud to bring a special offering designed exclusively for our MBRHE customers. This package is crafted to elevate your everyday banking experience, from tailored service support to thoughtful pricing benefits and lifestyle privileges that add real value to your journey. It’s a personalised way to bank, created with your needs in mind.

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Personal Finance Application Requirements

Additional Finance

Flexible, competitively priced financing to support building or enhancing your home.

Additional Financing Solutions:

Home Finance as added support for construction or purchase.
Tailored solutions to meet your home-building needs.
Additional finance options to enhance your home.

Documentation Required

Please provide the required documents to help us process your request smoothly.

Customer Documents:

Original passport (non-digital)
Original National ID
Family book copy
Mohammed bin Rashid Housing approval letter
Valid detailed salary certificate addressed to Emirates Islamic Bank
IBAN message
Copy of the latest affection plan for the plot (2023–2024)

Contractor’s Required Documents:

Building permit containing the contractor’s name (2024)
Valid trade license (contractor, consultant if any)
Copy of valid National ID for the authorised signatory (contractor, consultant if any)
Original contractor agreement on official letterhead:

Signed and sealed by all parties on every page
Includes total construction amount with a duration not exceeding 18 months

Original Bill of Quantities (as per bank format):

Signed and sealed by all parties on every page
Must match the total amount in the contractor’s agreement

Undertaking letters from owner, contractor and consultant (if any) on official letterhead as per bank format
Approved architectural drawings with total built-up area calculation sheet (A4)
IBAN letter issued to the contractor by their bank

Customer Documents:

Original passport (non-digital)
Original National ID
Family book copy
Mohammed bin Rashid Housing approval letter
Valid detailed salary certificate addressed to Emirates Islamic Bank
IBAN message
Copy of the updated affection plan for the plot (2023–2024)

Contractor’s Documents:

Building permit containing the contractor’s name (2024)
Valid trade license (contractor, consultant)
Copy of valid National ID for the authorised signatory (contractor, consultant)
Original contractor agreement on official letterhead:

Signed and sealed by all parties on every page
Includes total construction amount not exceeding 18 months

Original Bill of Quantities (as per bank format):

Signed and sealed by all parties on every page
Must match the total amount in the contractor’s agreement

Undertaking letters from owner, contractor and consultant on official letterhead as per bank format
Approved architectural drawings with total built-up area calculation sheet (A4)

Customer Documents:

Original passport copy (non-digital)
Original National ID
Family book copy
Mohammed bin Rashid Housing approval letter
Valid detailed salary certificate addressed to Emirates Islamic Bank
IBAN message
Copy of the affection plan for the plot (2023–2024)

Contractor’s Required Documents:

Valid trade license (contractor)
Copy of valid National ID for the authorised signatory (contractor)
Original contractor agreement on official letterhead:

Signed and sealed by all parties on every page
Includes total construction amount and time period

Original Bill of Quantities (as per bank format):

Signed and sealed on all pages by all parties
Must match the total amount in the contractor’s agreement

Undertaking letters from owner, contractor and consultant on official letterhead as per bank format
IBAN letter issued to the contractor by their bank

Contractor & Project Documents:

Building permit with contractor name (2024)
Valid trade licenses (contractor, consultant)
Valid copy of Emirates ID for the authorised signatory (contractor, consultant)
Original contractor agreement on official letterhead:

Signed and stamped by all parties on every page
Includes total construction amount and project duration up to 18 months

Original Bill of Quantities (BOQ):

Signed and stamped by all parties on every page
Matches the value in the contractor’s agreement

Undertaking letters from owner, contractor and consultant on official letterhead
Certified architectural drawings including cover sheet with built-up area (A4)
IBAN letter issued to the contractor by their bank

Customer Documents:

Original passport (non-digital)
Original Emirates ID
Family book copy
MBRHE approval letter
Valid detailed salary certificate addressed to Emirates Islamic
IBAN number
Updated site plan copy (2023–2024)

Takaful Terms & Conditions

Protect your loved ones and your home with Takaful coverage designed to safeguard against unforeseen circumstances, damage, and unexpected events press the icon to view the full policy document.

Life Takaful

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Protection plans offering Shariah-compliant life coverage for Home Finance customers.

Property Takaful

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Shariah-compliant protection for your home, covering physical loss or damage as stated in the policy.

CONTACT INFORMATION

Get in touch with our Home Finance team for enquiries, support, and location information.

Contact number: 04-4152020
E-mail: MBRHE@emiratesislamic.ae
Engineering Office Address: Nad Al Hammar Branch. Location
Address: Home Finance Centre - Al Rabat Street,
next to Balremaitha Sports Club, Nad Al Hammar, Dubai. Location

Frequently Asked Questions

After submitting your documents, the bank will assess your financial eligibility as per CBUAE guidelines & regulations.

Visit our Engineering department at our Nad Al Hammar branch, along with the requisite documents and representative consultant/contractor.

Once the property is ready and handed over, Emirates Islamic will initiate property Takaful coverage through one of its empaneled takaful providers for any loss or damage.

Coverage for life is provided for applicant(s) through one of the empaneled Tafakul providers of Emirates Islamic from the inception (first disbursal) of finance facility.

Apply for home finance and experience Shariah-compliant solutions designed around you

What Our Customers Are Saying

"One of the best Home Finance solutions in the UAE — from competitive profit rates to flexible payment options and exceptional service"

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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

Important information for products and services.

Customer Journey

View the complete step-by-step journey of your application.

Fees And Charges

Fees and charges associated with Finance.