Residential Mortgages
Turn your dream of homeownership into reality with our competitive residential mortgage solutions designed specifically for UAE residents.
Your Path to Homeownership Starts Here
Our residential mortgage products are designed to help UAE residents achieve their homeownership dreams with competitive rates, flexible terms, and exceptional service.
Whether you're a first-time buyer, upgrading to a larger home, or looking for an investment property, we have the right solution for you. Our expert team will guide you through every step of the process.
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Why Choose Our Residential Mortgages?
Competitive rates, flexible terms, and expert guidance to make your homeownership journey smooth and successful.
Competitive Rates
Starting from 3.85% with flexible payment options tailored to your financial situation.
Fast Approval
Get pre-approved in just 24 hours with our streamlined application process.
High LTV
Finance up to 85% of your property value with minimal down payment requirements.
Flexible Terms
Loan terms up to 25 years with flexible repayment options that suit your budget.
No Hidden Fees
Transparent pricing with no surprise charges. Clear terms and conditions throughout.
Expert Guidance
Dedicated mortgage advisors to help you navigate the entire home buying process.
Loan Specifications
Detailed terms and conditions for our residential mortgage products
| Feature | Details |
|---|---|
| Minimum Salary | AED 15,000 |
| Maximum Financing | Up to 85% |
| Loan Term | Up to 25 years |
| Interest Rate | From 3.85% |
| Age Limit | 21-65 years at maturity |
| Pre-approval Time | 24 hours |
| Processing Fees | From 0.5% |
| Property Types | Apartment, Villa, Townhouse |
Eligibility Criteria
Requirements to qualify for our residential mortgage
General Requirements
- UAE Resident with valid Emirates ID
- Minimum age 21 years, maximum 65 at loan maturity
- Minimum salary AED 15,000 per month
- Stable employment history (minimum 6 months)
- Good credit history and clean Al Etihad record
Required Documents
- Emirates ID and Passport copy
- Salary certificate and NOC from employer
- Last 6 months bank statements
- Property documents and valuation report
- Al Etihad Credit Bureau report
Calculate Your Monthly Payment
Get an instant estimate of your monthly mortgage payment
Ready to Get Started?
Take the first step towards owning your dream home with our expert mortgage advisors.