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Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
ADIB : Buyout Campaign - STL / NSTL

2 Yrs Fixed: 3.99% p.a.

1.60% p.a. + 1M EIBOR 
*Min rate of 3.10%p.a.

 80 Islamic
Key Features:

A. Age at maturity up to 70 yrs available
B. Nil Property Insurance
C. Extended fixed rate periods available on request
D. Option to consider rental of property being purchased
E. Refund of Property Valuation Fees upto AED 2,500.00 
F. Refund of 

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount Each Year :
Upto 30% : NIL (0.00%)
Above 30% : 1.00% of remaining partial amount paid
(max fee of AED 10,000.00)
Processing Fee

Nil under current promotion

 Early Settlement Fee

1.00% of loan outstanding
*Max of AED 10,000.00
*Refund upto AED 10,000.00 
Valuation Fee

AED 2,625.00 inclusive of VAT
*Refund upto AED 2,500.00 

 Salary Transfer yes
Life Insurance / Takaful

0.025% monthly on outstanding balance

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
ADIB : Rental Backed (LRD)

1 Yr Fixed: 6.00% p.a.

2.00% p.a. + 3M EIBOR

 70 Islamic
Key Features:

A. Competitive pricing for Rental Backed product (LRD)
B. Lowest fees for Rental product offering
C. NIL partial settlement of loan without cap
D. Finance up to 70% for Abu Dhabi / Dubai and 65% for other emirates
E. Age at maturity up to 70 yrs for expats and 75 yrs for UAE Nationals
F. Tenor of up to 15 years
G. Quarterly repayment installments
H. Up to 2 Quarter repayment installments will be on hold to accommodate for rental delays

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Nil under the current promotion
Processing Fee

0.50% of approved finance amount + VAT

 Early Settlement Fee

1.00% of remaining finance outstanding
Valuation Fee

AED 3,150.00 for individual unit inclusive of VAT
*for multiple units and buildings, quotation
will be requested and provided by bank

 Salary Transfer no
Life Insurance / Takaful

Nil under the current promotion

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
ADIB : Self-Employed

3 Yrs Fixed: 4.99% p.a.

2.25% p.a. + 1M EIBOR
*Min rate of 3.10% p.a.

 80 Islamic
Key Features:

A. Age at maturity up to 70 Yrs available.
B. Nil Property Insurance
C. Extended fixed rate periods available on request
D. Option to consider rental of property being purchased

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount Each year :
Upto 30% : NIL (0.00%)
Above 30% : 1.00% of remaining partial amount paid
(max fee of AED 10,000.00)
Processing Fee

0.50% of finance value + VAT
*NIL for handover payment finance
and Buyout transactions

 Early Settlement Fee

1.00% of loan outstanding amount
*Max fee of AED 10,000.00
Valuation Fee

AED 2,625.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.025% monthly on outstanding balance

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
ADIB : With Salary Transfer

3 Yrs Fixed: 3.99% p.a.

1.60% p.a. + 1M EIBOR 
*Min rate of 3.10%p.a.

 80 Islamic
Key Features:

A. Age at maturity up to 70yrs available
B. Nil Property Insurance
C. Extended fixed rate periods available on request
D. Option to consider rental of property being purchased

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount Each Year :
Upto 30% : NIL (0.00%)
Above 30% : 1.00% of remaining partial amount paid
(max fee of AED 10,000.00)
Processing Fee

Nil under current promotion

 

 Early Settlement Fee

1.00% of loan outstanding
*Max of AED 10,000.00
Valuation Fee

AED 2,625.00 inclusive of VAT

 Salary Transfer yes
Life Insurance / Takaful

0.025% monthly on outstanding balance

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
ADIB : Without Salary Transfer

3 Yrs Fixed: 4.24% p.a.

1.60% p.a. + 1M EIBOR 
*Min rate of 3.10% p.a.

 80 Islamic
Key Features:
  • Age at maturity up to 70 yrs available.
  • Nil Property Insurance
  • Extended fixed rate periods available on request
  • Option to consider rental of property being purchased
 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount Each Year :
Upto 30% : NIL (0.00%)
Above 30% : 1.00% of remaining partial amount paid
(max fee of AED 10,000.00)
Processing Fee

0.5% of finance value plus VAT
* Nil for handover payment finance
and Buyout transactions

 Early Settlement Fee

1.00% of loan outstanding
*Max of AED 10,000.00
Valuation Fee

AED 2,625.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.025% monthly on outstanding balance

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Arab Bank : With Salary Transfer - 2 & 3yrs

2 Yrs Fixed: 3.98% p.a.
3 Yrs Fixed: 4.15% p.a.

1.89% p.a. + 3M EIBOR
*Min rate of 3.24% p.a.

 80 Conventional
Key Features:

A. Excellent turnaround time
B. Presence across GCC
C. Preferred bank for GCC nationals
D. Low initial costs with low processing fee
E. Partial settlement free for up to 25%

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount each Year
Up to 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining
partial amount paid
*Max fee of AED 10,000.00
Processing Fee

0.25% of finance value
*waived for buyout transactions

 Early Settlement Fee

1.00% of loan outstanding
*Max fee of AED 10,000.00
Valuation Fee

AED 3,150.00 inclusive of VAT

 Salary Transfer yes
Life Insurance / Takaful

0.40% p.a. on monthly reducing loan principal

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Arab Bank : Without Salary Transfer

Salaried / Self-Employed :
2 Yrs Fixed: 4.15% p.a.
3 Yrs Fixed: 4.30% p.a.
**Additional 0.25% towards
Equity for salaried clients

1.99% p.a. + 6M EIBOR
*Min of 3.75% p.a. 
**Additional 0.50% for Self Employed clients

 80 Conventional
Key Features:

A.. Quick turnaround time
B. . Branch network across GCC
C.  Preferred bank for GCC national
D. Free partial settlement for up to 25% of loan

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(max fee of AED 10,000.00)
Processing Fee

0.50% of finance value

 Early Settlement Fee

1.00% of loan outstanding
*Max of AED 10,000.00
Valuation Fee

AED 3,150.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.40% p.a. on monthly reducing loan balance

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
CBD : Without Salary Transfer

3 / 5 Yrs Fixed: 4.49% p.a.

1.79% p.a. + 3M EIBOR
* No Min Rate

 80 Conventional, Islamic
Key Features:

A. Among lowest fixed rates in market
B. No early settlement fee for up to 15% of loan outstanding
C. No minimum rate after fixed rate expires

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount each Year
Up to 15.00% : NIL (0.00%)
Above 15.00% : 1.00% of remaining 
partial amount paid
*Max fee of AED 10,000.00
Processing Fee

0.25% of finance amount
*Min of AED 3,000.00

 Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Valuation Fee

AED 3,150.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.0116% per month on loan outstanding on reducing balances

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
CBD : Commercial Properties

3 Yrs Fixed : 6.99% p.a.

3.00% p.a. + 3M EIBOR 
*Min rate of 5.49% p.a.

 70 Conventional
Key Features:

A. Up to 70% Loan to value available (LTV)
B. Low document product option with reduced LTV (up to 60%)
C. Property can be purchased in name of Individual / Company
D. Warehouses can also be financed
E. Borrowing would be in company's name only

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

1.00% of amount being pre-settled
Processing Fee

1.00% of loan amount

 Early Settlement Fee

1.00% of the loan outstanding
Valuation Fee

AED 3,150.00 inclusive of VAT for a single unit. 

 Salary Transfer no
Life Insurance / Takaful

0.14% p.a on the loan outstanding calculated on a yearly reducing balance. 

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
CBD : Non-Resident

3 Yrs Fixed: 5.49% p.a.

2.79% p.a. + 3M EIBOR

 65 Conventional, Islamic
Key Features:

A. Lowest fixed rate for Non-Residents in market
B. No early settlement fee for up to 15% of loan outstanding
C. No minimum rate after fixed rate expires

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 15.00% : NIL (0.00%)
Above 15.00% : 1.00% of remaining partial amount paid
(Max fee of AED 10,000.00)
Processing Fee

1.00% of finance amount 
*Min fee of AED 3,000.00

 Early Settlement Fee

1.00% of Amount Paid/Settled
*Max fee of AED. 10,000.00
Valuation Fee

AED. 3,150.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.0016% charged monthly on outstanding finance value

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
CBD : Off Plan Resale

3 Yrs Fixed: 4.74% p.a.

Salaried : 1.94%p.a. + 3M EIBOR
Self-Employed : 2.04%p.a. + 3M EIBOR

 50 Conventional
Key Features:

A. Only product available that finances off-plan resale purchases based on the market value of the property.
B. Until handover only simple interest is charged on a monthly basis

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 15.00% : NIL (0.00%)
Above 15.00% : 1.00% of remaining partial amount paid
(Max fee of AED 10,000.00)
Processing Fee

1.00% of finance value + VAT

 Early Settlement Fee

1.00% of outstanding principal
*Max fee of AED 10,000.00
Valuation Fee

AED 3,150.00 per valuation
(Two valuations needed for
finance of over AED 12 Million)

 Salary Transfer no
Life Insurance / Takaful

0.15% p.a. on finance value calculated on reducing balances

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
CBD : Self-Employed : Low Docs Equity - Resident

3 / 5 Yrs Fixed : 4.59% p.a.

1.99% p.a. + 3M EIBOR
*No Min Rate

 65 Conventional, Islamic
Key Features:

A. Among lowest fixed rates in market
B. No early settlement fee for up to 15% of loan outstanding
C. Equity to the extent of 20% of property value in personal account
D. Maximum Equity in personal account not exceeding AED 3 Million
E. Equity over 20% of property value will be a 3rd party payment
F. No minimum rate after fixed rate expires

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 15.00% : NIL (0.00%)
Above 15.00% : 1.00% of remaining
partial amount paid
*Max fee of AED 10,000.00
Processing Fee

1.00% of loan/finance value + VAT

 Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Valuation Fee

AED 3,150.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.0116% per month on loan
outstanding on reducing balances

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
CBD : With Salary Transfer - Resale and Handover

3 Yrs Fixed: 3.99% p.a.

1.79% p.a. + 3M EIBOR

 80 Conventional, Islamic
Key Features:

A. Nil fee for partial payments up to 15%
B. Good branch network and online access
C. Reasonable turnaround times
D. Low insurance insurance costs

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 15.00% : NIL (0.00%)
Above 15.00% : 1.00% of remaining partial amount paid
(max fee of AED 10,000.00)
Processing Fee

0.25% of loan/finance value + VAT

 Early Settlement Fee

1.00% of loan outstanding amount
*Max fee of AED 10,000.00
Valuation Fee

AED 3,150.00 + VAT

 Salary Transfer yes
Life Insurance / Takaful

0.12% p.a of loan outstanding calculated on monthly reducing balances

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
DIB : Buyout / With Salary Transfer

3 Yrs Fixed: 3.95% p.a. 

1.00% p.a. + 3M EIBOR

 80 Islamic
Key Features:

A. Lowest upfront cost with Nil processing fee for STL clients
B. Best STL fixed rate with lowest follow-on rate.
C. Excellent turnaround time
D. Extensive branch and post-transaction infrastructure
Note : Salary Transfer is not mandatory for Buyout Transactions

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

1.00% of settlement amount
*Max fee of AED 10,000.00
Processing Fee

NIL - under current promotion

 Early Settlement Fee

1.00% of principal outstanding
*Max fee of AED 10,000.00
Valuation Fee

AED 2500.00 inclusive of VAT

 Salary Transfer yes
Life Insurance / Takaful

0.018% monthly on finance outstanding

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
DIB : Non Res Full Docs

3 Yrs Fixed: 5.10% p.a.
5 Yrs Fixed: 5.70% p.a

Salaried : 1.50% p.a. + 3M EIBOR
Self-Employed : 1.75% p.a. + 3M EIBOR

 75 Islamic
Key Features:

A. Highest LTV for non residents offerred
B. Best fixed rate with lowest follow-on rate.
C. LTV of 75% only applicable for nationals of UK, KSA and India*
D. LTV applicable for all other nationalities is 60%
E. Extensive branch and post-transaction infrastructure

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

1.00% of settlement amount
*Max fee of AED 10,000.00
Processing Fee

1.25% of Finance Amount + VAT

 Early Settlement Fee

1.00% of settlement amount
*Max fee of AED 10,000.00
Valuation Fee

AED 2,500.00 inclusive of VAT For Dubai & Abu Dhabi
AED 3,000.00 inclusive of VAT for Other Emirates

 Salary Transfer no
Life Insurance / Takaful

0.018% monthly on Finance Outstanding

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
DIB : Without Salary Transfer

3 Yrs Fixed: 4.10% p.a.

Salaried : 1.50% p.a. + 3M EIBOR
Self Employed : 1.75% p.a. + 3M EIBOR

 80 Islamic
Key Features:

A. Lowest follow-on rate post-fixed rate period
B. Quick processing times.
C. Excellent branch network and post-drawdown infrastructure

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

1.00% of settlement amount
*Max fee of AED 10,000.00
Processing Fee

0.5% of finance amount plus VAT

 Early Settlement Fee

1.00% of outstanding principal outstanding
*Max fee of AED 10,000.00
Valuation Fee

AED 2,500.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.018% monthly on reducing finance outstanding

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Invest : Rental Backed (LRD)

2.25% p.a. + 3M EIBOR

2.25% p.a. + 3M EIBOR

 50 Conventional
Key Features:

A. Best pricing for lease rental based product
B. Quick processing times
C. Loan amounts up to AED 55 Million
D. Finance properties in all emirates

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Up to 20% of outstanding finance each year : 0% 
above 20% of outstanding finance : 1%
Processing Fee

1% of the approved Finance amount + VAT

 Early Settlement Fee

1.00% of amount being settled if from own sources or sale of asset
2.00% of amount being settled if the loan is being bought out by another bank
Valuation Fee

AED 3,150.00 for individual unit including VAT
If building or multiple units, then
quotations will be obtained and shared.

 Salary Transfer no
Life Insurance / Takaful

Not Applicable

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Mashreq : Non-Resident

2 Yrs Fixed: 5.99% p.a.

2.99% p.a. + 3M EIBOR

 65 Conventional, Islamic
Key Features:

A. Highest loan to value offered for Non-Residents
B. Simple documentation
C. No fee for prepaying your mortgage up to 25%
D. Quick turnaround time
E. Efficient branch network

 Fee and Charges: Other Parameters:
Pre-approval Fee 1050 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Processing Fee

1.00% of Loan / Finance value

 Early Settlement Fee

1.00% of loan / finance outstanding
*Max of AED 10,000.00
Valuation Fee

AED 2,625.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.165%p.a. on the outstanding principal on reducing balance

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Mashreq : Non-Resident - Premium

2 Yrs Fixed: 5.75% p.a.

2.99% p.a. + 3M EIBOR 
*Min rate of 2.99% p.a.

 65 Conventional, Islamic
Key Features:

A. Highest Loan to value available for non residents
B. No fee for prepaying your mortgage upto 25%
C. Quick turnaround time
D. Efficient branch network
Note : Minimum loan value of AED 3 Million for this offer

 Fee and Charges: Other Parameters:
Pre-approval Fee 1050 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Processing Fee

1.00% of loan / finance amount

 Early Settlement Fee

1.00% of principal outstanding
*Max fee of AED 10,000.00
Valuation Fee

AED 2,625.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.165% p.a. on monthly reducing loan/finance outstanding 

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Mashreq : Retail - Self-Employed - Standard

2 Yrs Fixed: 5.49% p.a.

2.25% p.a. + 3M EIBOR 
*Min rate of 5.49% p.a.

 80 Conventional, Islamic
Key Features:

A. Finance transaction costs as mortgage rate
B. Low upfront cost.
C. No fee for prepaying your mortgage up to 25%
D. Quick turnaround time
E. Efficient branch network

 Fee and Charges: Other Parameters:
Pre-approval Fee 1050 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Processing Fee

NIL under the current promotion

 Early Settlement Fee

1.00% of principal outstanding
*Max of AED 10,000.00
Valuation Fee

AED 2,625.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.15% annually on the monthly reducing balance of the loan

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Mashreq : Salaried

2 Yrs Fixed: 4.25% p.a. to 4.49% p.a.
based on segment

1.75% p.a. to 1.99% p.a. + 3M EIBOR 
*Min rate of 4.25% p.a. to 4.49% p.a.

 80 Conventional, Islamic
Key Features:

A. Finance transaction costs as mortgage rate
B. Low upfront cost with NIL processing fee
C. No fee for prepaying your mortgage up to 25%
D. Quick turnaround time
E. Efficient branch network

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Processing Fee

Nil for Purchase and Buyout transactions
1.00% for Equity release transactions

 Early Settlement Fee

1.00% of Loan/Finance outstanding
*Max fee of AED 10,000.00
Valuation Fee

AED 2,625.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.165% p.a charged in monthly reducing balance

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Mashreq : Salaried - Premium

2 Yrs Fixed: 3.99% p.a.

1.75% p.a. + 3M EIBOR 
*Min rate of 3.99% p.a.

 80 Conventional
Key Features:

A. Finance transaction costs as mortgage rate
B. Low upfront cost with NIL processing fee
C. No fee for prepaying your mortgage up to 25%
D. Quick turnaround time
E. Efficient branch network
Note : Min. Loan amount of AED 5 Million or Salary > AED 80,000/- transferred to Mashreq bank

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Processing Fee

Nil under current promotion

 Early Settlement Fee

1.00% of Loan/Finance outstanding
*Max fee of AED 10,000.00
Valuation Fee

AED 2,625.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.165% p.a charged in monthly reducing balance

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Mashreq : Self-Employed : Low Docs

2 Yrs Fixed: 5.49% p.a.

2.25% p.a. + 3M EIBOR
*Min rate of 5.49%p.a.

 65 Conventional, Islamic
Key Features:

A. Highest Loan to value for this product type
B. No fee for prepaying your mortgage up to 25%
C. Quick turnaround time
D. Efficient branch network

 Fee and Charges: Other Parameters:
Pre-approval Fee 1050 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Processing Fee

0.50% of finance amount

 Early Settlement Fee

1.00% of principal outstanding
*Max of AED 10,000.00
Valuation Fee

AED. 2,625.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.165% p.a. on monthly reducing loan/finance outstanding 

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Mashreq : Self-Employed / Low Docs - Premium

2 Yrs Fixed: 4.99% p.a.

2.25% p.a. + 3M EIBOR 
*Min rate of 3.99% p.a.

 80 Conventional
Key Features:

A. Simple Documentation
B. Low upfront costs
C. No fee for prepaying your mortgage up to 25%
D. Quick turnaround time
E. Efficient branch network
F. Minimum Loan amount of AED 3 Million
G. LTV restricted to 65% for low docs product option

 Fee and Charges: Other Parameters:
Pre-approval Fee 1050 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Processing Fee

0.50% of finance amount + VAT

 Early Settlement Fee

1.00% of the outstanding amount
*Max fee of AED 10,000.00
Valuation Fee

AED 2,625.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.165% p.a charged in monthly reducing balance

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
Mashreq- Salaried Equity

2 Yrs Fixed: 4.25% p.a. to 4.50% p.a. 
*based on segment

1.75% p.a. to 2.00% p.a. + 3M EIBOR
*Min rate of 4.25% p.a. to 4.5% p.a.

 80 Conventional, Islamic
Key Features:

A. Finance transaction costs as mortgage rate
B. No fee for prepaying your mortgage up to 25%
C. Quick turnaround time
D. Efficient branch network

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid
(Max fee of AED 10,000.00)
Processing Fee

1% of Equity component

 Early Settlement Fee

1.00% of Loan/Finance outstanding
*Max fee of AED 10,000.00
Valuation Fee

AED 2,625.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.165% p.a charged in monthly reducing balance

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
UAB - Low Docs

2 Yrs Fixed: 5.35% p.a

1.79% + 3M EIBOR
*Min rate of 3.49%

 80 Conventional, Islamic
Key Features:
  • Quick processing times
  • No early settlement fee for up to 25% of loan outstanding
  • Finance freehold properties across all Emirates
  • Minimum documents requirement for loans up to AED 15 million
 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding amount each year :
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining
partial amount paid
*Max fee of AED 10,000.00
Processing Fee

0.5% of finance amount + VAT

 Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Valuation Fee

AED 3,150.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.02% per month on loan
outstanding on reducing balances

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
UAB : Self-Employed

2 Yrs Fixed: 4.59% p.a.

1.79% p.a. + 3M EIBOR 
*Min rate of 3.99% p.a.

 80 Conventional, Islamic
Key Features:

A. Quick processing times
B. No early settlement fee for up to 25% of loan outstanding
C. Finance freehold properties across all Emirates

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding amount each year :
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining
partial amount paid
(Max fee of AED 10,000.00)
Processing Fee

0.5% of finance value + VAT

 Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Valuation Fee

AED 3,150.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.02% per month on loan outstanding
on reducing balances

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
UAB : With Salary Transfer

2 Yrs Fixed: 3.79% p.a. to 3.89% p.a.

1.79% p.a. + 3M EIBOR 
*Min rate of 2.49% p.a.

 80 Conventional
Key Features:

A. Quick processing times
B. No early settlement fee for up to 25% of loan outstanding
C. 3.79%p.a for 2yrs for salary transfer above AED. 50,000.00
D. Finance freehold properties across all Emirates

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding amount each year :
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid
(*Max fee of AED 10,000.00)
Processing Fee

0.50% of finance value + VAT

 Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Valuation Fee

AED 3,150.00 inclusive of VAT

 Salary Transfer yes
Life Insurance / Takaful

0.02% per month on loan outstanding on reducing balances

 Transaction Cost Financed
Call Now (800-3462623)
Product Title Interest / Profit Rate Follow On Rate Loan to Value Mortgage Type
UAB : Without Salary Transfer

2 Yrs Fixed: 3.99 p.a.

1.79% p.a. + 3M EIBOR
*Min rate of 2.99% p.a.

 80 Conventional, Islamic
Key Features:

A. Quick processing times
B. No early settlement fee for up to 25% of loan outstanding
C. Finance freehold properties across all Emirates

 Fee and Charges: Other Parameters:
Pre-approval Fee 0 Partial Settlement Fee

Based on Outstanding amount each year :
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining
partial amount paid
*Max fee of AED 10,000.00
Processing Fee

0.50% of finance value + VAT

 Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Valuation Fee

AED 3,150.00 inclusive of VAT

 Salary Transfer no
Life Insurance / Takaful

0.02% per month on loan
outstanding on reducing balances

 Transaction Cost Financed
Call Now (800-3462623)
Product Title ADIB : Buyout Campaign - STL / NSTL
Interest / Profit Rate

2 Yrs Fixed: 3.99% p.a.
Follow On Rate

1.60% p.a. + 1M EIBOR 
*Min rate of 3.10%p.a.
Key Features:

A. Age at maturity up to 70 yrs available
B. Nil Property Insurance
C. Extended fixed rate periods available on request
D. Option to consider rental of property being purchased
E. Refund of Property Valuation Fees upto AED 2,500.00 
F. Refund of 

Fee and Charges:
Pre-approval Fee 0
Processing Fee

Nil under current promotion
Valuation Fee

AED 2,625.00 inclusive of VAT
*Refund upto AED 2,500.00 
Life Insurance / Takaful

0.025% monthly on outstanding balance
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount Each Year :
Upto 30% : NIL (0.00%)
Above 30% : 1.00% of remaining partial amount paid
(max fee of AED 10,000.00)
Early Settlement Fee

1.00% of loan outstanding
*Max of AED 10,000.00
*Refund upto AED 10,000.00 
Salary Transfer yes
Transaction Cost Financed
Product Title ADIB : Rental Backed (LRD)
Interest / Profit Rate

1 Yr Fixed: 6.00% p.a.
Follow On Rate

2.00% p.a. + 3M EIBOR
Key Features:

A. Competitive pricing for Rental Backed product (LRD)
B. Lowest fees for Rental product offering
C. NIL partial settlement of loan without cap
D. Finance up to 70% for Abu Dhabi / Dubai and 65% for other emirates
E. Age at maturity up to 70 yrs for expats and 75 yrs for UAE Nationals
F. Tenor of up to 15 years
G. Quarterly repayment installments
H. Up to 2 Quarter repayment installments will be on hold to accommodate for rental delays

Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.50% of approved finance amount + VAT
Valuation Fee

AED 3,150.00 for individual unit inclusive of VAT
*for multiple units and buildings, quotation
will be requested and provided by bank
Life Insurance / Takaful

Nil under the current promotion
Other Parameters:
Partial Settlement Fee

Nil under the current promotion
Early Settlement Fee

1.00% of remaining finance outstanding
Salary Transfer no
Transaction Cost Financed
Product Title ADIB : Self-Employed
Interest / Profit Rate

3 Yrs Fixed: 4.99% p.a.
Follow On Rate

2.25% p.a. + 1M EIBOR
*Min rate of 3.10% p.a.
Key Features:

A. Age at maturity up to 70 Yrs available.
B. Nil Property Insurance
C. Extended fixed rate periods available on request
D. Option to consider rental of property being purchased

Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.50% of finance value + VAT
*NIL for handover payment finance
and Buyout transactions
Valuation Fee

AED 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.025% monthly on outstanding balance
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount Each year :
Upto 30% : NIL (0.00%)
Above 30% : 1.00% of remaining partial amount paid
(max fee of AED 10,000.00)
Early Settlement Fee

1.00% of loan outstanding amount
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title ADIB : With Salary Transfer
Interest / Profit Rate

3 Yrs Fixed: 3.99% p.a.
Follow On Rate

1.60% p.a. + 1M EIBOR 
*Min rate of 3.10%p.a.
Key Features:

A. Age at maturity up to 70yrs available
B. Nil Property Insurance
C. Extended fixed rate periods available on request
D. Option to consider rental of property being purchased

Fee and Charges:
Pre-approval Fee 0
Processing Fee

Nil under current promotion

 
Valuation Fee

AED 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.025% monthly on outstanding balance
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount Each Year :
Upto 30% : NIL (0.00%)
Above 30% : 1.00% of remaining partial amount paid
(max fee of AED 10,000.00)
Early Settlement Fee

1.00% of loan outstanding
*Max of AED 10,000.00
Salary Transfer yes
Transaction Cost Financed
Product Title ADIB : Without Salary Transfer
Interest / Profit Rate

3 Yrs Fixed: 4.24% p.a.
Follow On Rate

1.60% p.a. + 1M EIBOR 
*Min rate of 3.10% p.a.
Key Features:
  • Age at maturity up to 70 yrs available.
  • Nil Property Insurance
  • Extended fixed rate periods available on request
  • Option to consider rental of property being purchased
Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.5% of finance value plus VAT
* Nil for handover payment finance
and Buyout transactions
Valuation Fee

AED 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.025% monthly on outstanding balance
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount Each Year :
Upto 30% : NIL (0.00%)
Above 30% : 1.00% of remaining partial amount paid
(max fee of AED 10,000.00)
Early Settlement Fee

1.00% of loan outstanding
*Max of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title Arab Bank : With Salary Transfer - 2 & 3yrs
Interest / Profit Rate

2 Yrs Fixed: 3.98% p.a.
3 Yrs Fixed: 4.15% p.a.
Follow On Rate

1.89% p.a. + 3M EIBOR
*Min rate of 3.24% p.a.
Key Features:

A. Excellent turnaround time
B. Presence across GCC
C. Preferred bank for GCC nationals
D. Low initial costs with low processing fee
E. Partial settlement free for up to 25%

Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.25% of finance value
*waived for buyout transactions
Valuation Fee

AED 3,150.00 inclusive of VAT
Life Insurance / Takaful

0.40% p.a. on monthly reducing loan principal
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Up to 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining
partial amount paid
*Max fee of AED 10,000.00
Early Settlement Fee

1.00% of loan outstanding
*Max fee of AED 10,000.00
Salary Transfer yes
Transaction Cost Financed
Product Title Arab Bank : Without Salary Transfer
Interest / Profit Rate

Salaried / Self-Employed :
2 Yrs Fixed: 4.15% p.a.
3 Yrs Fixed: 4.30% p.a.
**Additional 0.25% towards
Equity for salaried clients
Follow On Rate

1.99% p.a. + 6M EIBOR
*Min of 3.75% p.a. 
**Additional 0.50% for Self Employed clients
Key Features:

A.. Quick turnaround time
B. . Branch network across GCC
C.  Preferred bank for GCC national
D. Free partial settlement for up to 25% of loan

Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.50% of finance value
Valuation Fee

AED 3,150.00 inclusive of VAT
Life Insurance / Takaful

0.40% p.a. on monthly reducing loan balance
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(max fee of AED 10,000.00)
Early Settlement Fee

1.00% of loan outstanding
*Max of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title CBD : Without Salary Transfer
Interest / Profit Rate

3 / 5 Yrs Fixed: 4.49% p.a.
Follow On Rate

1.79% p.a. + 3M EIBOR
* No Min Rate
Key Features:

A. Among lowest fixed rates in market
B. No early settlement fee for up to 15% of loan outstanding
C. No minimum rate after fixed rate expires

Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.25% of finance amount
*Min of AED 3,000.00
Valuation Fee

AED 3,150.00 inclusive of VAT
Life Insurance / Takaful

0.0116% per month on loan outstanding on reducing balances
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Up to 15.00% : NIL (0.00%)
Above 15.00% : 1.00% of remaining 
partial amount paid
*Max fee of AED 10,000.00
Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title CBD : Commercial Properties
Interest / Profit Rate

3 Yrs Fixed : 6.99% p.a.
Follow On Rate

3.00% p.a. + 3M EIBOR 
*Min rate of 5.49% p.a.
Key Features:

A. Up to 70% Loan to value available (LTV)
B. Low document product option with reduced LTV (up to 60%)
C. Property can be purchased in name of Individual / Company
D. Warehouses can also be financed
E. Borrowing would be in company's name only

Fee and Charges:
Pre-approval Fee 0
Processing Fee

1.00% of loan amount
Valuation Fee

AED 3,150.00 inclusive of VAT for a single unit. 
Life Insurance / Takaful

0.14% p.a on the loan outstanding calculated on a yearly reducing balance. 
Other Parameters:
Partial Settlement Fee

1.00% of amount being pre-settled
Early Settlement Fee

1.00% of the loan outstanding
Salary Transfer no
Transaction Cost Financed
Product Title CBD : Non-Resident
Interest / Profit Rate

3 Yrs Fixed: 5.49% p.a.
Follow On Rate

2.79% p.a. + 3M EIBOR
Key Features:

A. Lowest fixed rate for Non-Residents in market
B. No early settlement fee for up to 15% of loan outstanding
C. No minimum rate after fixed rate expires

Fee and Charges:
Pre-approval Fee 0
Processing Fee

1.00% of finance amount 
*Min fee of AED 3,000.00
Valuation Fee

AED. 3,150.00 inclusive of VAT
Life Insurance / Takaful

0.0016% charged monthly on outstanding finance value
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 15.00% : NIL (0.00%)
Above 15.00% : 1.00% of remaining partial amount paid
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of Amount Paid/Settled
*Max fee of AED. 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title CBD : Off Plan Resale
Interest / Profit Rate

3 Yrs Fixed: 4.74% p.a.
Follow On Rate

Salaried : 1.94%p.a. + 3M EIBOR
Self-Employed : 2.04%p.a. + 3M EIBOR
Key Features:

A. Only product available that finances off-plan resale purchases based on the market value of the property.
B. Until handover only simple interest is charged on a monthly basis

Fee and Charges:
Pre-approval Fee 0
Processing Fee

1.00% of finance value + VAT
Valuation Fee

AED 3,150.00 per valuation
(Two valuations needed for
finance of over AED 12 Million)
Life Insurance / Takaful

0.15% p.a. on finance value calculated on reducing balances
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 15.00% : NIL (0.00%)
Above 15.00% : 1.00% of remaining partial amount paid
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of outstanding principal
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title CBD : Self-Employed : Low Docs Equity - Resident
Interest / Profit Rate

3 / 5 Yrs Fixed : 4.59% p.a.
Follow On Rate

1.99% p.a. + 3M EIBOR
*No Min Rate
Key Features:

A. Among lowest fixed rates in market
B. No early settlement fee for up to 15% of loan outstanding
C. Equity to the extent of 20% of property value in personal account
D. Maximum Equity in personal account not exceeding AED 3 Million
E. Equity over 20% of property value will be a 3rd party payment
F. No minimum rate after fixed rate expires

Fee and Charges:
Pre-approval Fee 0
Processing Fee

1.00% of loan/finance value + VAT
Valuation Fee

AED 3,150.00 inclusive of VAT
Life Insurance / Takaful

0.0116% per month on loan
outstanding on reducing balances
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 15.00% : NIL (0.00%)
Above 15.00% : 1.00% of remaining
partial amount paid
*Max fee of AED 10,000.00
Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title CBD : With Salary Transfer - Resale and Handover
Interest / Profit Rate

3 Yrs Fixed: 3.99% p.a.
Follow On Rate

1.79% p.a. + 3M EIBOR
Key Features:

A. Nil fee for partial payments up to 15%
B. Good branch network and online access
C. Reasonable turnaround times
D. Low insurance insurance costs

Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.25% of loan/finance value + VAT
Valuation Fee

AED 3,150.00 + VAT
Life Insurance / Takaful

0.12% p.a of loan outstanding calculated on monthly reducing balances
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 15.00% : NIL (0.00%)
Above 15.00% : 1.00% of remaining partial amount paid
(max fee of AED 10,000.00)
Early Settlement Fee

1.00% of loan outstanding amount
*Max fee of AED 10,000.00
Salary Transfer yes
Transaction Cost Financed
Product Title DIB : Buyout / With Salary Transfer
Interest / Profit Rate

3 Yrs Fixed: 3.95% p.a. 
Follow On Rate

1.00% p.a. + 3M EIBOR
Key Features:

A. Lowest upfront cost with Nil processing fee for STL clients
B. Best STL fixed rate with lowest follow-on rate.
C. Excellent turnaround time
D. Extensive branch and post-transaction infrastructure
Note : Salary Transfer is not mandatory for Buyout Transactions

Fee and Charges:
Pre-approval Fee 0
Processing Fee

NIL - under current promotion
Valuation Fee

AED 2500.00 inclusive of VAT
Life Insurance / Takaful

0.018% monthly on finance outstanding
Other Parameters:
Partial Settlement Fee

1.00% of settlement amount
*Max fee of AED 10,000.00
Early Settlement Fee

1.00% of principal outstanding
*Max fee of AED 10,000.00
Salary Transfer yes
Transaction Cost Financed
Product Title DIB : Non Res Full Docs
Interest / Profit Rate

3 Yrs Fixed: 5.10% p.a.
5 Yrs Fixed: 5.70% p.a
Follow On Rate

Salaried : 1.50% p.a. + 3M EIBOR
Self-Employed : 1.75% p.a. + 3M EIBOR
Key Features:

A. Highest LTV for non residents offerred
B. Best fixed rate with lowest follow-on rate.
C. LTV of 75% only applicable for nationals of UK, KSA and India*
D. LTV applicable for all other nationalities is 60%
E. Extensive branch and post-transaction infrastructure

Fee and Charges:
Pre-approval Fee 0
Processing Fee

1.25% of Finance Amount + VAT
Valuation Fee

AED 2,500.00 inclusive of VAT For Dubai & Abu Dhabi
AED 3,000.00 inclusive of VAT for Other Emirates
Life Insurance / Takaful

0.018% monthly on Finance Outstanding
Other Parameters:
Partial Settlement Fee

1.00% of settlement amount
*Max fee of AED 10,000.00
Early Settlement Fee

1.00% of settlement amount
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title DIB : Without Salary Transfer
Interest / Profit Rate

3 Yrs Fixed: 4.10% p.a.
Follow On Rate

Salaried : 1.50% p.a. + 3M EIBOR
Self Employed : 1.75% p.a. + 3M EIBOR
Key Features:

A. Lowest follow-on rate post-fixed rate period
B. Quick processing times.
C. Excellent branch network and post-drawdown infrastructure

Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.5% of finance amount plus VAT
Valuation Fee

AED 2,500.00 inclusive of VAT
Life Insurance / Takaful

0.018% monthly on reducing finance outstanding
Other Parameters:
Partial Settlement Fee

1.00% of settlement amount
*Max fee of AED 10,000.00
Early Settlement Fee

1.00% of outstanding principal outstanding
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title Invest : Rental Backed (LRD)
Interest / Profit Rate

2.25% p.a. + 3M EIBOR
Follow On Rate

2.25% p.a. + 3M EIBOR
Key Features:

A. Best pricing for lease rental based product
B. Quick processing times
C. Loan amounts up to AED 55 Million
D. Finance properties in all emirates

Fee and Charges:
Pre-approval Fee 0
Processing Fee

1% of the approved Finance amount + VAT
Valuation Fee

AED 3,150.00 for individual unit including VAT
If building or multiple units, then
quotations will be obtained and shared.
Life Insurance / Takaful

Not Applicable
Other Parameters:
Partial Settlement Fee

Up to 20% of outstanding finance each year : 0% 
above 20% of outstanding finance : 1%
Early Settlement Fee

1.00% of amount being settled if from own sources or sale of asset
2.00% of amount being settled if the loan is being bought out by another bank
Salary Transfer no
Transaction Cost Financed
Product Title Mashreq : Non-Resident
Interest / Profit Rate

2 Yrs Fixed: 5.99% p.a.
Follow On Rate

2.99% p.a. + 3M EIBOR
Key Features:

A. Highest loan to value offered for Non-Residents
B. Simple documentation
C. No fee for prepaying your mortgage up to 25%
D. Quick turnaround time
E. Efficient branch network

Fee and Charges:
Pre-approval Fee 1050
Processing Fee

1.00% of Loan / Finance value
Valuation Fee

AED 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.165%p.a. on the outstanding principal on reducing balance
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of loan / finance outstanding
*Max of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title Mashreq : Non-Resident - Premium
Interest / Profit Rate

2 Yrs Fixed: 5.75% p.a.
Follow On Rate

2.99% p.a. + 3M EIBOR 
*Min rate of 2.99% p.a.
Key Features:

A. Highest Loan to value available for non residents
B. No fee for prepaying your mortgage upto 25%
C. Quick turnaround time
D. Efficient branch network
Note : Minimum loan value of AED 3 Million for this offer

Fee and Charges:
Pre-approval Fee 1050
Processing Fee

1.00% of loan / finance amount
Valuation Fee

AED 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.165% p.a. on monthly reducing loan/finance outstanding 
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of principal outstanding
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title Mashreq : Retail - Self-Employed - Standard
Interest / Profit Rate

2 Yrs Fixed: 5.49% p.a.
Follow On Rate

2.25% p.a. + 3M EIBOR 
*Min rate of 5.49% p.a.
Key Features:

A. Finance transaction costs as mortgage rate
B. Low upfront cost.
C. No fee for prepaying your mortgage up to 25%
D. Quick turnaround time
E. Efficient branch network

Fee and Charges:
Pre-approval Fee 1050
Processing Fee

NIL under the current promotion
Valuation Fee

AED 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.15% annually on the monthly reducing balance of the loan
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of principal outstanding
*Max of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title Mashreq : Salaried
Interest / Profit Rate

2 Yrs Fixed: 4.25% p.a. to 4.49% p.a.
based on segment
Follow On Rate

1.75% p.a. to 1.99% p.a. + 3M EIBOR 
*Min rate of 4.25% p.a. to 4.49% p.a.
Key Features:

A. Finance transaction costs as mortgage rate
B. Low upfront cost with NIL processing fee
C. No fee for prepaying your mortgage up to 25%
D. Quick turnaround time
E. Efficient branch network

Fee and Charges:
Pre-approval Fee 0
Processing Fee

Nil for Purchase and Buyout transactions
1.00% for Equity release transactions
Valuation Fee

AED 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.165% p.a charged in monthly reducing balance
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of Loan/Finance outstanding
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title Mashreq : Salaried - Premium
Interest / Profit Rate

2 Yrs Fixed: 3.99% p.a.
Follow On Rate

1.75% p.a. + 3M EIBOR 
*Min rate of 3.99% p.a.
Key Features:

A. Finance transaction costs as mortgage rate
B. Low upfront cost with NIL processing fee
C. No fee for prepaying your mortgage up to 25%
D. Quick turnaround time
E. Efficient branch network
Note : Min. Loan amount of AED 5 Million or Salary > AED 80,000/- transferred to Mashreq bank

Fee and Charges:
Pre-approval Fee 0
Processing Fee

Nil under current promotion
Valuation Fee

AED 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.165% p.a charged in monthly reducing balance
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of Loan/Finance outstanding
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title Mashreq : Self-Employed : Low Docs
Interest / Profit Rate

2 Yrs Fixed: 5.49% p.a.
Follow On Rate

2.25% p.a. + 3M EIBOR
*Min rate of 5.49%p.a.
Key Features:

A. Highest Loan to value for this product type
B. No fee for prepaying your mortgage up to 25%
C. Quick turnaround time
D. Efficient branch network

Fee and Charges:
Pre-approval Fee 1050
Processing Fee

0.50% of finance amount
Valuation Fee

AED. 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.165% p.a. on monthly reducing loan/finance outstanding 
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of principal outstanding
*Max of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title Mashreq : Self-Employed / Low Docs - Premium
Interest / Profit Rate

2 Yrs Fixed: 4.99% p.a.
Follow On Rate

2.25% p.a. + 3M EIBOR 
*Min rate of 3.99% p.a.
Key Features:

A. Simple Documentation
B. Low upfront costs
C. No fee for prepaying your mortgage up to 25%
D. Quick turnaround time
E. Efficient branch network
F. Minimum Loan amount of AED 3 Million
G. LTV restricted to 65% for low docs product option

Fee and Charges:
Pre-approval Fee 1050
Processing Fee

0.50% of finance amount + VAT
Valuation Fee

AED 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.165% p.a charged in monthly reducing balance
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid 
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of the outstanding amount
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title Mashreq- Salaried Equity
Interest / Profit Rate

2 Yrs Fixed: 4.25% p.a. to 4.50% p.a. 
*based on segment
Follow On Rate

1.75% p.a. to 2.00% p.a. + 3M EIBOR
*Min rate of 4.25% p.a. to 4.5% p.a.
Key Features:

A. Finance transaction costs as mortgage rate
B. No fee for prepaying your mortgage up to 25%
C. Quick turnaround time
D. Efficient branch network

Fee and Charges:
Pre-approval Fee 0
Processing Fee

1% of Equity component
Valuation Fee

AED 2,625.00 inclusive of VAT
Life Insurance / Takaful

0.165% p.a charged in monthly reducing balance
Other Parameters:
Partial Settlement Fee

Based on Outstanding Amount each Year
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of Loan/Finance outstanding
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title UAB - Low Docs
Interest / Profit Rate

2 Yrs Fixed: 5.35% p.a
Follow On Rate

1.79% + 3M EIBOR
*Min rate of 3.49%
Key Features:
  • Quick processing times
  • No early settlement fee for up to 25% of loan outstanding
  • Finance freehold properties across all Emirates
  • Minimum documents requirement for loans up to AED 15 million
Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.5% of finance amount + VAT
Valuation Fee

AED 3,150.00 inclusive of VAT
Life Insurance / Takaful

0.02% per month on loan
outstanding on reducing balances
Other Parameters:
Partial Settlement Fee

Based on Outstanding amount each year :
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining
partial amount paid
*Max fee of AED 10,000.00
Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title UAB : Self-Employed
Interest / Profit Rate

2 Yrs Fixed: 4.59% p.a.
Follow On Rate

1.79% p.a. + 3M EIBOR 
*Min rate of 3.99% p.a.
Key Features:

A. Quick processing times
B. No early settlement fee for up to 25% of loan outstanding
C. Finance freehold properties across all Emirates

Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.5% of finance value + VAT
Valuation Fee

AED 3,150.00 inclusive of VAT
Life Insurance / Takaful

0.02% per month on loan outstanding
on reducing balances
Other Parameters:
Partial Settlement Fee

Based on Outstanding amount each year :
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining
partial amount paid
(Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed
Product Title UAB : With Salary Transfer
Interest / Profit Rate

2 Yrs Fixed: 3.79% p.a. to 3.89% p.a.
Follow On Rate

1.79% p.a. + 3M EIBOR 
*Min rate of 2.49% p.a.
Key Features:

A. Quick processing times
B. No early settlement fee for up to 25% of loan outstanding
C. 3.79%p.a for 2yrs for salary transfer above AED. 50,000.00
D. Finance freehold properties across all Emirates

Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.50% of finance value + VAT
Valuation Fee

AED 3,150.00 inclusive of VAT
Life Insurance / Takaful

0.02% per month on loan outstanding on reducing balances
Other Parameters:
Partial Settlement Fee

Based on Outstanding amount each year :
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining partial amount paid
(*Max fee of AED 10,000.00)
Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Salary Transfer yes
Transaction Cost Financed
Product Title UAB : Without Salary Transfer
Interest / Profit Rate

2 Yrs Fixed: 3.99 p.a.
Follow On Rate

1.79% p.a. + 3M EIBOR
*Min rate of 2.99% p.a.
Key Features:

A. Quick processing times
B. No early settlement fee for up to 25% of loan outstanding
C. Finance freehold properties across all Emirates

Fee and Charges:
Pre-approval Fee 0
Processing Fee

0.50% of finance value + VAT
Valuation Fee

AED 3,150.00 inclusive of VAT
Life Insurance / Takaful

0.02% per month on loan
outstanding on reducing balances
Other Parameters:
Partial Settlement Fee

Based on Outstanding amount each year :
Upto 25.00% : NIL (0.00%)
Above 25.00% : 1.00% of remaining
partial amount paid
*Max fee of AED 10,000.00
Early Settlement Fee

1.00% of the outstanding loan amount
*Max fee of AED 10,000.00
Salary Transfer no
Transaction Cost Financed

EIBOR as on 31 Mar 2026:    1 MONTH: 3.65%   |   3 MONTH: 3.66%   |   6 MONTH: 3.71%   |   1 YEAR: 3.91%