Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Dubai Islamic Bank - Ijarah for UAE Nationals Dubai Islamic Bank - Ijarah for UAE Nationals Minimum Salary: AED 7,000 Salary Transfer: No Early Settlement Fees: No Maximum Term: 25 Years Flat Rate: 1.78% Reducing Rate: 3.2%
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In order to build or improve your own property, you can avail of Supply and Installation Murabaha. You can conduct multiple Murabaha transactions under a limit assigned to you by the bank. You can pay the bank through fixed monthly instalments.

Alternatively, you can avail the Buy and Sell Murabaha. In this transaction, DIB will purchase a property and sell it to you at a pre-agreed profit . You can pay the bank through fixed monthly instalments.

Standard Ijarah (Standard Lease) - For Ready Property

UAE nationals looking to acquire a ready property can avail of Ijarah finance, a lease contract wherein the Bank leases the property to you in return for a rental payment for a specified financing period. The Bank promises to transfer the title of the property to you at the end of the financing period, if all payments have been made.

You have the option of choosing from a variety of down payments, tenors and profit rate options. It is an ideal solution for customers looking for an easy installment scheme.

Features & Benefits:
  • Profit rate from 3.99% p.a.
  • Finance available up to 80% of property value
  • High finance amount
  • Flexible tenure up to 25 years
  • Salary transfer not required
  • Islamic Insurance available
  • Profit Rates linked with EIBOR
 Buyout Ijara - For Ready Property
DIB offers you the freedom of transferring your existing Home finance from your current mortgage provider; which means if you are looking to lower your monthly payments / avail advantage of attractive DIB Buyout offer, you have the option to transfer your existing finance to DIB.

Features & Benefits:
  • Finance available up to 80% of property value
  • Profit Rate: Starting from 3.99% p.a.
  • Flexible tenor upto 25 years
  • Arrangement Fees: ZERO
  • Salary transfer not required
Equity Release

Our Equity Release solution allows you to use the equity in your home as collateral. This means that if you have a property which is fully paid up & is not mortgaged, you can take advantage of our Home Equity program which would enable you to cash out the equity from your home. The released cash can be useful to finance your major expenses or an investment .

Features & Benefits:
  • Finance available upto 70% of property value
  • Competitive profit rates
  • Flexible tenor up to 25 years
  • Salary transfer not required
  • Profit Rates linked with EIBOR
Documents Required
  • 6-months bank statement
  • Salary letter (In case of non-salary transfer customer)
  • Valid passport/Khulasat al Khaid Copy/Valid visa
  • Relevant property papers
  • Evaluation from approved evaluators
  • Copy of Trade License (Self-employed)
  • Audited financial statements (Self-employed)
  • Notarised POA (where applicable for self-employed)
  • Memorandum and Articles of Association (Self-employed)
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The calculated Annual Percentage Rate(APR) is determined using the annual interest rate on the product plus fees and other costs. The APR is useful when comparing two or more products with different interest rates and fee structures.
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