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Welcome To Mashreq Bank



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Mashreq Bank Information Center

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HOME LOAN PRODUCT

Home Loans for Salaried Individual



Mashreq Home Loan offers you the freedom to select a property that can accommodate all your aspirations! You can select your dream home from the primary marker, i.e. directly from the developer or from secondary market or re- sale property. Masreq Home Loan is there to see your dream come true!


Mashreq has provided banking and financial services to millions of customers and businesses since 1967. One of UAE's leading financial institutions with a growing retail presence in the region including Egypt, Qatar, Kuwait and Bahrain. We focus on providing our customers access to a wide range of innovative products and services.

01
12000
Minimum Salary

02
3.49%
Interest Rate
03
1%
Procesing Fee
04
25%
Down Payment

Home Loans for Self Employed



Mashreq Home Loan offers you the freedom to select a property that can accommodate all your aspirations! You can select your dream home from the primary marker, i.e. directly from the developer or from secondary market or re- sale property. Masreq Home Loan is there to see your dream come true!


Mashreq has provided banking and financial services to millions of customers and businesses since 1967. One of UAE's leading financial institutions with a growing retail presence in the region including Egypt, Qatar, Kuwait and Bahrain. We focus on providing our customers access to a wide range of innovative products and services.

01
12000
Minimum Salary

02
3.75%
Interest Rate
03
1%
Procesing Fee
04
25%
Down Payment

Equity Release for UAE residents - Salaried



Mashreq Home Loan offers you the freedom to select a property that can accommodate all your aspirations! You can select your dream home from the primary marker, i.e. directly from the developer or from secondary market or re- sale property. Masreq Home Loan is there to see your dream come true!


Mashreq has provided banking and financial services to millions of customers and businesses since 1967. One of UAE's leading financial institutions with a growing retail presence in the region including Egypt, Qatar, Kuwait and Bahrain. We focus on providing our customers access to a wide range of innovative products and services.

01
25000
Minimum Salary

02
3.75%
Interest Rate
03
1%
Procesing Fee
04
25%
Down Payment

Home Loans for Non- UAE Residents - Self Employed



This unique service allows non- residents of UAE, both Nationals and Ex- Patriates living in Quatar, Baharin & Kuwait, UK, Saudi Arabia and India to purchase residential property in Dubai for investment or as a second home


Mashreq has provided banking and financial services to millions of customers and businesses since 1967. One of UAE's leading financial institutions with a growing retail presence in the region including Egypt, Qatar, Kuwait and Bahrain. We focus on providing our customers access to a wide range of innovative products and services.

01
25000
Minimum Salary

02
5.49%
Interest Rate
03
1%
Procesing Fee
04
25%
Down Payment

Equity Release for UAE residents - Self Employed



Mashreq Home Loan offers you the freedom to select a property that can accommodate all your aspirations! You can select your dream home from the primary marker, i.e. directly from the developer or from secondary market or re- sale property. Masreq Home Loan is there to see your dream come true! 


Mashreq has provided banking and financial services to millions of customers and businesses since 1967. One of UAE's leading financial institutions with a growing retail presence in the region including Egypt, Qatar, Kuwait and Bahrain. We focus on providing our customers access to a wide range of innovative products and services.

01
25000
Minimum Salary

02
4.5%
Interest Rate
03
1%
Procesing Fee
04
25%
Down Payment

Home Equity/ Top- Up Mortgage Loan for Salaried



You can avail the Top Up or refinance facility that allows you to cash out the difference between your home’s fair market value and the unpaid balance of your existing Home Loan.  For example, if the market value of your home is AED 1,500,000 and you owe AED 6000,000 on your mortgage, you have AED 9000,000 equity in your home


Mashreq has provided banking and financial services to millions of customers and businesses since 1967. One of UAE's leading financial institutions with a growing retail presence in the region including Egypt, Qatar, Kuwait and Bahrain. We focus on providing our customers access to a wide range of innovative products and services.

01
15000
Minimum Salary

02
3.75%
Interest Rate
03
1%
Procesing Fee
04
25%
Down Payment

Home Equity/ Top- Up Mortgage Loan for Self Employed



You can avail the Top Up or refinance facility that allows you to cash out the difference between your home’s fair market value and the unpaid balance of your existing Home Loan.  For example, if the market value of your home is AED 1,500,000 and you owe AED 6000,000 on your mortgage, you have AED 9000,000 equity in your home


                         

01
15000
Minimum Salary

02
3.99%
Interest Rate
03
1%
Procesing Fee
04
25%
Down Payment

Home Loans for Non- UAE Residents - Salaried



This unique service allows non- residents of UAE, both Nationals and Ex- Patriates living in Quatar, Baharin & Kuwait, UK, Saudi Arabia and India to purchase residential property in Dubai for investment or as a second home


                                             

01
25000
Minimum Salary

02
5.49%
Interest Rate
03
1%
Procesing Fee
04
25%
Down Payment

Home Loan/Expats/Buyout




                        

01
15000
Minimum Salary

02
7.18%
Interest Rate
03
1%
Procesing Fee
04
25%
Down Payment

Home Loan/UAE National/Buyout




           

01
15000
Minimum Salary

02
7.18%
Interest Rate
03
1%
Procesing Fee
04
25%
Down Payment

Mashreq - Information Center

About Home Loan

1. You have to be a UAE national or Resident Expatriate
2. You can be salaried or self- employed
3. Your minimum monthly income needs to be at least AED 12,000

Eligibility Criteria

1. You have to be a UAE national or Resident Expatriate
2. You can be salaried or self- employed
3. Your minimum monthly income needs to be at least AED 12,000

Interest Rates and Other Fees

1. 1% of approved loan amount as processing fee
2. 0.35% of the loan amount will be charged as Life Insurance Charges every year
3. 0.06% of the property value will be charged annually as Policy Insurance Charge
4. AED 500 will be charged for post approval amendments or revalidation
5. In case of pre- payment, 1% of the remaining balance or AED 10,000, whichever is lower will be charged
6. AED 2500 will be charged as property validation fee
7. All the fees are subject to the sole discretion of Mashreq and may change from time to time

Documentation

Application Form  Valid Passport & Visa copy  Source of Income proof- Salary certificate/Trading License Bank statements – 6 months  Liability letter (if any)  Property documents – Sale Agreement  Proof of down payments Letter indicating intent for use of property for rental or Investment purpose as per banks format

Application Process

Check eligibility criteria and accordingly proceed with the application process

Balance Transfer Feature

Available to salaried or self- employed UAE nationals or resident expatriates Up to AED 15 million loan amount Up to 25 years of loan tenor You can choose from a vast network of approved developers You can choose from Islamic & Conventional Home Finance/ Loans

Other Products

Personal Loan, Car Loan, Car Refinance, Credit cards, Debit Cards