To whom should I submit the contractor or consultant documents?

For the AED 800,000 Sharjah Housing Programme finance facility, documentation is handled by the programme. For additional finance, you can submit documents at any Emirates Islamic branch.

How will payments be released after construction progress?

Payments are released based on construction progress through the programme or Emirates Islamic branches after verification.

How can I check my outstanding balance?

You can check your outstanding balance through online or mobile banking, or by calling our customer service team.

Does Emirates Islamic charge any additional profit on accrued profit?

No, Emirates Islamic does not charge any additional profit on accrued profit on any credit product.

Sharjah – Department of Housing

Q: If I have the Sharjah Department of Housing approval, does that mean my case is approved at Emirates Islamic?

Not necessarily. After submitting your documents, the bank will assess your financial eligibility as per CBUAE guidelines and regulations.

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

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  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

Frequently Asked Questions

Having Sharjah Department of Housing approval does not automatically mean your case is approved at Emirates Islamic. After you submit your documents, the bank will assess your financial eligibility as per CBUAE guidelines and regulations.

For the AED 800,000 Sharjah Housing Programme finance facility, documents are handled directly by the Programme. For any additional finance with Emirates Islamic, you submit contractor/consultant documents at the Emirates Islamic Al Qasimia branch (Al Otaiba Building, King Abdul Aziz Street) or at the Emirates Islamic Head Office, Building 16, Dubai Healthcare City.

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

For the AED 800,000 Sharjah Housing Programme finance facility, payment releases at each construction stage are handled by the Programme itself. For any additional finance taken with Emirates Islamic, payments are submitted at the Sharjah Al Qasimiya branch or the Emirates Islamic Head Office, Building 16, Dubai Healthcare City.

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Key Product Information

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Fees And Charges

Fees and charges associated with Finance.

Sharjah Department of Housing

Home Finance for UAE Nationals from the Emirate of Sharjah

Key Benefits

Up to  800,000 Home Finance

Long Payment Tenors

Convenient Monthly Payments

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

Documentation Required

Personal Documentation

Property Documentation

For Pre-Approval

For Conditional Approval

Takaful Terms & Conditions

Life Takaful

Property Takaful

Frequently Asked Questions

If I have the Sharjah – Department of Housing Approval does that mean my case is approved at Emirates Islamic? Empty heading

To whom should I submit the contractor/consultant documents? Empty heading

Will the property be covered for Takaful protection? Empty heading

How will the payments be released after reaching certain construction progress? Empty heading

How can I know my outstanding balance? Empty heading

Does Emirates Islamic charge any additional profit on accrued profit? Empty heading

Can Sharjah Department of Housing beneficiaries apply for home finance exceeding the standard department limit? Empty heading

How are monthly payments managed for Emirates Islamic Sharjah Home Finance? Empty heading

How are profit rates determined for Sharjah construction finance? Empty heading

Is the Sharjah Department of Housing finance program available to non-UAE Nationals? Empty heading

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