Sharjah – Department of Housing

Sharjah Department of Housing

Shariah-compliant finance to build or buy your home

Home Finance for UAE Nationals from the Emirate of Sharjah

Emirates Islamic brings you exclusive Home Finance solutions to construct your house or buy a new home under the Sharjah Department of Housing. We proudly support UAE nationals from the Emirate of Sharjah beneficiaries in achieving their goal of owning a home and bringing families together.

Key Benefits

Up to  800,000 Home Finance

Home finance of up to  800,000 for construction or home purchase

Long Payment Tenors

Flexible payment periods of up to 25 years to suit your financial plans

Convenient Monthly Payments

Pay your instalments easily through direct debit for a smooth experience

Comprehensive Home Finance Benefits

High Home Finance Support

Funding for construction or home purchase

Fast Approvals

Quick processing and smooth turnaround

Long Payment Tenors

Flexible tenors of up to 25 years

Convenient Monthly Payments

Easy instalments with direct debit

Family Takaful Coverage

Protection against loss of life or injury

Property Takaful Coverage

Protection for loss or damage to property

Minimal Documentation

Simple requirements for easy processing

Engineering & Project Support

Free monitoring services for construction.

Product Suite

Housing support designed for your home journey

Financing Solutions

Flexible support for building or buying your home

Expert Services

Professional guidance throughout your project

Additional Home Finance Support

Customers applying for Additional Finance with Emirates Islamic will enjoy:

check_circle

Home Finance as added support for constructing or purchasing your home

check_circle

Tailored solutions designed to meet the unique needs of your dream home

Documentation Required

To complete your Home Finance application, please prepare the following personal and property documents for verification and approval.

Copy of valid passport (original required for verification)
Copy of “Khulasat Al Qaid” and National ID (original required for verification)
Original Salary Certificate (less than 45 days old) showing length of employment, designation, and salary package
OR Salary Transfer Letter* (if salary is transferred to Emirates Islamic), showing:
- Length of service
- Designation
- Salary package

* For Government/Semi-Government organizations, salary credited to the customer’s Emirates Islamic account is considered as evidence of assignment.

Required property documentation includes:

Originals of all property details:
- Sale and Purchase Agreement
- Title Deed / Mulkia and Site Plan
- Sharjah Department of Housing (SDH) valid facility approval
- Site Plan copy
Evidence of down payment (if applicable)
Approved drawings with schedule of work and cash flow statement
Bill of quantity, signed by all parties on each page
Building permit with demarcation certificate
Owner share completion (if applicable)
Trade license copies of contractor/consultant

Original Emirates ID (not electronic)
Original valid passport
Family Book copy
Valid original/electronic Salary Certificate addressed to Emirates Islamic + payslip
IBAN letter
Copy of Site Plan
Government Approval Letter (SHP)

For Conditional Approval:

Ready evaluation received from ESKAN with contractor documents for final approval (for customers applying only for the government portion of AED 800k)

If Applying for Additional Finance with Emirates Islamic:

Valid trade licenses (contractor and consultant)
Valid Emirates ID copy (contractor and consultant – authorized signatory)
Original Contractor Agreement on letterhead:
- Signed and stamped by all parties on all pages
- Includes total building amount and maximum project duration (18 months)
Original BOQ as per Emirates Islamic format:
- Signed and stamped by all parties on all pages
- Matches contractor agreement value
Undertakings (owner, contractor, consultant) on letterhead
Certified architectural drawings including cover sheet with built-up area (A4)
IBAN letter (contractor) – bank letter
Security cheque from customer

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

draft

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

Property Takaful

draft

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

Frequently Asked Questions

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

For the 800K Sharjah Housing Programme finance facility it is handled by the Programme
For the additional finance you submit the documents at Emirates Islamic Al Qasimia - Al Otaiba Building – King Abdul Aziz Street or at the Emirates Islamic Head Office Building 16 Dubai Healthcare City

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.

For the 800K Sharjah Housing Programme finance facility it is handled by the Programme
For the additional finance you submit the payments at the Sharjah - Al Qasimiya Branch or at the Emirates Islamic Head Office Building 16 Dubai Healthcare City

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"

Apply Now

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.

Update your Information

Update your financial records and documents quickly.

Fees And Charges

Fees and charges associated with Finance.

Get in Touch

Need help with your Home Finance? Reach out to us.

Contact Number: 600 599995
E-mail: shpservicehf@emiratesnbd.com
Address:
Home Finance Service Center, 01 Floor,
ENBD Building, King Faisal Street,
Sharjah Location