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Home Finance
Suits your needs and is processed with ease and comfort
Emirates NBD presents you Home Financing solutions that suits your needs and is processed with ease and comfort.
Home Finance Calculator
Property Value SAR
SAR 300,000 SAR 5,000,000
Tenor Years
1 year 30 years
Down Payment %
10% 90%
Monthly Installment SAR
* Interest rates are subject to daily change without notice and may affect the amount for which you qualify. The Bank reserves the right to cancel this pre-qualification at any time without any liability on the Bank or any of its directors and employees. The final approval will be subject to the Bank's credit policy and the satisfaction of all the securities and requirements requested by the Bank.
Ijarah Home Financing
Owning your dream home is now easier
You can now enjoy the Ijarah Home Finance product with the promise of grant to get your dream home. This financing includes the following features:
- Shariah compliant product in the form of Ijarah
- Available in fixed or variable* pricing
- Available for Salary Transfer, Non-Salary Transfer and Self-employed customers
- Loan value starts from 85% up to 90%**
- Maximum financing amount up to 5,000,000 Saudi Riyals
- Financing period up to 30 years
* Fixed rate offered for first 2 years. Thereafter, 1 year SAIBOR + margin. E.g.
300bps
* * Depending on segment type : Maximum 70% LTV for second property.
Murabaha Home Financing
A house that your family can call home
Own your home on installments with Murabaha Home Financing product. Features of this financing include:
- An approved product by the Shariah committee in the form of Murabaha.
- Financing with a fixed competitive annual percentage rate.
- Available for Salary Transfer, Non-Salary Transfer and Self-employed customers.
- Loan to value starts from 85% up to 90%*, and upto 70% from the property value for the second home
- Maximum financing amount upto 5,000,000 Saudi Riyals
- Financing period up to 30 years.
* Depending on segment type : Maximum 70% LTV for second property.
Eligibility
- Ijarah Home Financing
- Applicant must be a Saudi National
- The applicant must be 21 years old when applying, and not more than 60 years old at financing maturity
- Property must be a fully completed Villa/Apartment within Riyadh, Jeddah and Eastern Province
- Applicant’s length of service should not be less than 6 months
- Minimum monthly salary of SAR 12,000 for salary transfer customers and SAR 15,000 for non- salary transfer customers
Example:For a home financing of SAR 1,000,000 over 20 years, the APR will be 7.22% and the monthly installment would be SAR 7,750. In case of early settlement, 3 following months profit will be charged. Management fee of 1% from financed amount or capped at SAR 5,000 whichever is lower (including evaluation fee).
Terms and conditions apply - Murabaha Home Financing
- Applicant must be a Saudi National
- The applicant must be 21 years old
- Property must be a within the boarders of the Kingdom of Saudi Arabia
- Applicant’s length of service should not be less than 3 months
- Minimum monthly salary of SAR 9,000 for salary transfer customers and SAR 12,000 for non- salary transfer customers
Example:For a home financing of SAR 1,000,000 over 20 years, the APR will be 7.22% and the monthly installment would be SAR 7,750. In case of early settlement, 3 following months profit will be charged. Management fee of 1% from financed amount or capped at SAR 5,000 whichever is lower (including evaluation fee).
Terms and conditions apply
Required Documents
- Ijarah Home Financing
For a better experience, please prepare the following documents:
- Copy of Title Deed.
- A copy of building permit, and the building completion certificate.
- A filled and signed seller’s proposal by the property owner.
- A copy of the seller’s valid ID
- Property location sketch.
- Filling the home financing application form.
- A detailed salary slip that includes the allowances “if any”.
- A copy of the valid ID.
- A statement of account for the last 3 months that shows receiving the salary.
- Murabaha Home Financing
For a better experience, please prepare the following documents:
- The proof pf ownership.
- A copy of building permit, and the building completion certificate.
- A filled and signed seller’s proposal by the property owner.
- A copy of the seller’s valid ID
- Property location sketch.
- Filling the home financing application form.
- A detailed salary slip that includes the allowances “if any”.
- A copy of the valid ID.
- A statement of account for the last 3 months that shows receiving the salary.
Home Finance for properties in the UAE
Unlock the doorway to your dream home in the UAE with Emirates NBD Home Loan
We are delighted to bring our customers from the Kingdom of Saudi Arabia an exclusive offer on Emirates NBD Home Loan for buying properties in the UAE.
You can now take advantage of our special offer and its benefits that’s created for our customers from overseas:
Affordable EMIs
Longer tenors
No fees
Higher loan amounts
Terms and Conditions apply.
Available for Emirates NBD UAE customers only
*Linked to 1-month EIBOR + 2.25% p.a reducing margin.
**Application, Valuation & Processing fees.
***Valuation refundable at disbursal.
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Take a moment to arrange a complimentary consultation with one of our advisors today.
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