Emirates NBD Mortgage
Above AED 100 Million Properties
Landmark Acquisition financing tailored for landmark estates and bespoke commissions. Emirates NBD offers both conventional and Sharia-compliant structures for this investment tier.
Landmark Acquisition— Financing Overview
The Above AED 100 Million segment encompasses landmark estates and bespoke commissionsacross Dubai’s most sought-after addresses. Emirates NBD structures financing for this tier with 50% maximum loan-to-value, indicative rates from 3.8% and tenure options of up to 10 years. UAE's largest bank by assets with comprehensive mortgage solutions for residents and non-residents.
Emirates NBD Strengths
Indicative Financing Summary
Based on a representative Above AED 100 Million property at 50% LTV
Tenure Comparison — Monthly Repayment
All figures are indicative only, based on a 3.8%–5.4% rate range. Actual repayments depend on final rate offered, credit profile and property valuation. This is not a financial quote.
Alternative Lenders — Above AED 100M
How Emirates NBD compares with other prominent UAE lenders for landmark estates and bespoke commissions
| Lender | Indicative Rate | Max LTV | Key Strength |
|---|---|---|---|
| Emirates NBD | 3.8%–5.4% | 50% | Largest market share and fastest processing |
| Mashreq Bank | 4%–5.55% | 50% | Lowest processing fees in market |
| ADCB (Abu Dhabi Commercial Bank) | 3.9%–5.5% | 50% | Competitive fixed rates for 3–5 year terms |
| DIB (Dubai Islamic Bank) | 3.9%–5.3% | 50% | Best-in-class Islamic mortgage products (Ijara, Murabaha) |
| FAB (First Abu Dhabi Bank) | 3.95%–5.45% | 50% | Merger synergies resulting in competitive rates |
All rates and LTV figures are indicative. Actual terms vary by borrower profile. This comparison is for informational purposes only.
Eligibility & Documentation
Key Requirements
- •Valid passport with minimum 6 months validity
- •UAE residence visa and Emirates ID (for residents)
- •Minimum age 21 at application; maximum age 65 at loan maturity
- •Minimum monthly salary of AED 100,000 or equivalent self-employed income
- •Clean credit history verified through Al Etihad Credit Bureau
- •Debt-to-income ratio not exceeding 50%
- •Property must be situated in a freehold-designated zone
- •Private banking relationship may be required for ultra-prime financing
- •Golden Visa eligibility: property valued at AED 2M+ qualifies for 10-year residency
Required Documentation
- •Valid passport and UAE residence visa
- •Last 3 months’ salary slips or audited accounts
- •Last 6 months’ bank statements
- •Employment letter on company letterhead
- •Signed Sales and Purchase Agreement
- •Proof of equity contribution (bank statement)
Frequently Asked Questions
What indicative mortgage rates does Emirates NBD offer for Above AED 100 Million properties?
Emirates NBD offers indicative rates from 3.8% to 5.4% per annum for landmark estates and bespoke commissions in this investment bracket. Rates reflect current EIBOR conditions and may vary based on individual credit profile, income verification and property valuation. Private banking clients financing prestige assets may negotiate preferential terms.
What is the maximum loan-to-value ratio for Above AED 100 Million financing with Emirates NBD?
For properties in the AED 100M+ range, Emirates NBD typically extends up to 50% loan-to-value, requiring a minimum equity contribution of 50%. Ultra-prime acquisitions are often structured through private banking channels with bespoke underwriting.
Does Emirates NBD offer Islamic financing for landmark acquisition properties?
Yes. Emirates NBD provides Sharia-compliant home financing structured as Ijarah (lease-to-own) or Diminishing Musharakah. Profit rates and terms for landmark estates and bespoke commissions are competitive with conventional mortgage products and fully compliant with AAOIFI standards.
What is the typical monthly repayment for a AED 100M+ property with Emirates NBD?
Monthly repayments depend on property value, LTV ratio and selected tenure. For a representative Above AED 100 Million property at 50% LTV over 10 years, indicative monthly payments range significantly based on the exact acquisition price. Use our mortgage calculator for a personalised estimate, or contact MRK's advisory team for a detailed analysis.
How long does Emirates NBD pre-approval take for Above AED 100 Million properties?
Emirates NBD typically issues pre-approval within 5 business days for salaried professionals with complete documentation. Ultra-prime and trophy acquisitions may benefit from dedicated private banking channels with expedited processing.
What is the processing fee for a Emirates NBD mortgage?
Emirates NBD charges a processing fee of AED 2,500 for mortgage origination. Additional costs include property valuation (0.25–0.5% of property value), mortgage registration (0.25%), life insurance and property insurance. For landmark acquisition properties, request a comprehensive fee schedule from Emirates NBD or through MRK's advisory desk.
Can I refinance an existing mortgage with Emirates NBD for a AED 100M+ property?
Yes. Emirates NBD offers refinancing solutions for existing mortgages, potentially securing more favourable rates or restructured terms. Refinancing is particularly advantageous when rates have moved favourably since the original mortgage was originated. Early settlement penalties from the existing lender and Emirates NBD's processing fees should be factored into the refinancing decision.
What is the minimum salary requirement?
Emirates NBD typically requires a minimum monthly salary of AED 5,000 for mortgage eligibility. For prestige and ultra-prime acquisitions, higher income thresholds and private banking relationships may be required.
Important Disclaimer
All mortgage rates, LTV ratios, monthly repayments and loan amounts presented on this page are indicative estimates for informational purposes only. They do not constitute a financial offer, guarantee, or commitment from any lender. Actual terms are subject to individual creditworthiness assessment, property valuation, lender policies and prevailing market conditions. MRK Real Estate is not a licensed financial institution and does not provide mortgage advisory services. Always consult a qualified mortgage advisor and your chosen lender before making financing decisions.
Ready to Explore Emirates NBD Financing?
MRK’s mortgage advisory team will compare lenders, negotiate terms and manage your full application for landmark estates and bespoke commissions— from pre-approval through completion.