Emirates NBD
Largest UAE bank by assets and a market leader in Dubai mortgages. Strong product range covering UAE nationals, residents and non-residents, with both fixed and variable products on conventional and Islamic platforms.
Emirates NBD is the dominant retail mortgage lender in Dubai. Pre-approval turnaround is typically 3–5 business days for residents, longer for non-residents. The bank's variable products price off 1M EIBOR, fixed periods range 1–5 years, and the bank handles both conventional and Islamic (under Emirates Islamic) mortgages. Salary-transfer customers get the most favourable pricing. For non-residents, ENBD offers select products with LTVs up to 60% on values under AED 5M.
Emirates NBD mortgage rates
| Bank | Product | Type | Rate | Max LTV | Min salary | Effective |
|---|---|---|---|---|---|---|
| Emirates NBD | Home Loan — 3-year fixed | Fixed 3y | 4.25% | 80% | AED 15K | — |
| Emirates NBD | Home Loan — 5-year fixed | Fixed 5y | 4.49% | 80% | AED 15K | — |
| Emirates NBD | Home Loan — Variable | Variable · EIBOR + 1.25% | 5.10% | 80% | AED 15K | — |
| Emirates NBD | Non-resident Home Loan — 5-year fixed | Fixed 5y | 4.99% | 60% | AED 25K | — |
Source: Emirates NBD published rates page. Refreshed daily by our ingest worker. Always verify with the bank before relying on a rate. View original page →
FAQs — Emirates NBD mortgages
What is the minimum salary for an Emirates NBD mortgage?
AED 15,000 monthly for resident expat home loans, AED 25,000 for non-resident products. UAE nationals have lower thresholds (typically AED 12,000).
Does Emirates NBD lend on off-plan property?
Yes, but with the UAE Central Bank 50% LTV cap on off-plan purchases. Disbursements are staged against construction milestones.
Get pre-approved with Emirates NBD.
We refer you directly to Emirates NBD's mortgage team — no middleman fees, no commission games.