ipoteka v UAE

Many people resort to obtaining bank assistance or financing to purchase homes, apartments, and other types of residential and commercial real estate in the UAE. This is because the country is a dream for those wishing to improve their living conditions or invest in one of the various fields. Banks offer several facilities through various real estate financings. Real estate loans in Dubai may be used by individuals to purchase residential, commercial, or even industrial properties. This is why we provide information about the types of real estate financing so you can find them more easily.


home in UAE




In real estate financing or real estate loans, fixed interest always means that you can be certain of the amount of the fixed installment you have to pay the bank periodically because the interest rate applies to the financing amount for a set period of time, to be determined in advance, regardless of any change in interest rates during that period.

In general, banks offer this type of loan in order to offer the beneficiary a stable interest rate. This allows them to determine the payment plan easily. However, sometimes the interest rate drops later on in the loan repayment period, forcing the beneficiary to pay more when taking out loans from finance companies.


 The monthly installment values can vary when the monthly installment is paid, when the interest value changes according to the "EIBOR" index in the Emirates, which may increase or decrease on each maturity date based on the specific interest rate, with a definition of the "EIBOR" index as the average interest rate between Emirates banks.

It is worth noting that this option is a type of real estate financing that carries a certain amount of risk. In the event that interest rates increase during that time, the amount of the monthly payment will increase. This is because there is no way to predict the amount that will be paid. A lower amount in the event of a decrease in the interest rate


local mortgages in UAE


The Murabaha is one of the most prominent forms of Islamic real estate financing, and it is one of the types of Islamic real estate financing that fully adheres to Islamic Sharia regulations; the bank or Islamic financing company sells the property directly to the buyer, resulting in the transfer of ownership in the buyer's name. However, the real estate unit remains mortgaged until the agreed-upon loan amount is paid in full.

It is worth noting that in the event of default in paying the installments to the finance company or an Islamic bank in Dubai, for example, some measures are taken against the buyer, including selling the property at a public auction or recovering the ownership of the property, and the owner of the property has the right to attend the auction and purchase the property directive.


The Muntahia Bittamleek is one of the other systems that meet the requirements for shariah-compliant real estate financing, as the process of selling in installments is similar, but differs in that two independent contracts are created at the same time: The first is a lease contract at the beginning, and it is subject to the provisions of the lease for the duration of the lease deal, and the second is an ownership deal upon the completion of the payment period. The following example illustrates the principle of Ijarah Muntahia Bittamleek:

When you want to buy a house or real estate and the required amount is not available, the bank buys the house adding the profit value to the cost. As the property owner becomes a tenant of the bank, the amount is paid in installments over a specified period of time. This is until the full amount of the loan is paid.

The requirementschangeable from one bank to another”

For Employees:

  • Fill out the application form.
  • Proof of property reservation (if available).
  • Disclosure of the source of the first batch.
  • A copy of a valid passport, Emirates ID, and residence visa.
  • Account statements for the last 6 months.
  • Salary certificate addressed to the bank issued within 30 days or less from the date of submitting the loan application.
  • Salary Transfer Certificate (if the salary is to be transferred to the bank).
  • Details of current loans and obligations.

For Employers:

  • Fill out the application form.
  • Proof of property reservation (if available).
  • Disclosure of the source of the first batch.
  • A copy of a valid passport, Emirates ID, and residence visa.
  • Personal and company account statements for the last 6 months.
  • A copy of the auditor’s report for the last two years (for loans whose amounts exceed certain limits).
  • A valid copy of the trade license (if applicable, memorandum of association, articles of association or share ownership certificates).
  • Details of current loans/obligations Documents of the co-borrower (if any).
  • Valid passport of the borrower with visa page.
  • Income documents (as per requirements for employees or self-employed persons).

Dubai has always been a melting pot of culture, ideas and innovation. This allows the city to move forward in the forefront of recent developments and become the center of expat life and work. The opportunity to receive passive income from real estate in Dubai or the opportunity not to receive for rent, but to receive a loan for your personal receipt gives you the following advantages:  

  • Freedom from tax.
  • High level of medical care.
  • Full confidentiality of financial transactions.
  • Always a liquid asset.

Our team  Make Fortune Business Solutions knows all the legal details of mortgage lending, and will also wait for the right ways to resolve issues of obtaining residence based on real estate ownership in Dubai.  

In addition, we offer comprehensive solutions for company formation, opening a bank account, and also offer our clients full accounting support, which significantly reduces the operational burden on the enterprise.