DIB Home Loan Eligibility in UAE

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Dubai Islamic Bank offers affordable home loan plans with a wide range of features to comply with the variating individual needs of different customers. The bank offers flexible plans for both first-time property buyers as well as existing homeowners in the UAE.

A set of eligibility requirements is pre-decided with all DIB home loans which are required to be met by all applicants. Hence, it is important to understand the DIB Home Loan eligibility requirements before you apply for a DIB home loan in the UAE. This article will guide you through the eligibility criteria set by Dubai Islamic Bank for their home loan products.

DIB Home Loan Eligibility 

Home loan plans of Dubai Islamic Bank (DIB) are tailor-made to meet the unique requirements of different customers. Banks decide the details of a customer’s home loan plan once they have cleared the eligibility requirements and the background verification. DIB homes loans are available for customers who meet the following eligibility criteria:

Eligibility Requirements


Minimum Age Requirement

  • 20 years for UAE national applicants.
  • 21 years for ex-pat applicants.

Maximum Age Limit

  • 70 years for UAE national applicants.
  • 65 years for ex-pat applicants.

Salary Requirement

  • AED 7000 per month for UAE national applicants.
  • AED 15000 per month for ex-pat applicants.

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Residency Requirements for DIB Mortgage Loan

Home Loan Plan

Eligibility Requirements


UAE Nationals and Ex-pats

Standard Ijarah

UAE Nationals and Ex-pats

Buyout Ijarah

UAE Nationals and Ex-pats

Equity Release

UAE Nationals and Ex-pats

Commercial Ijarah

UAE Nationals and Ex-pats

Why is it important to fulfil loan eligibility requirements for DIB Mortgage Loan?

Background verification is a generic part of the loan processing system for every bank out there. This includes verifying an applicant's income, residency and credit Score as well as other aspects to ensure they are able to repay the loan. Eligibility criteria set for credit tools like home loans aim to make this basic screening easier for the banks. The minimum eligibility criteria are set to ensure that all applicants who get through will be able to repay the loan amount they take in due time. The creditworthiness of an applicant can be determined using the eligibility criteria for home loans. 

Frequently Asked Questions

Can ex-pat clients submit an application for a DIB Mortgage Loan?

Yes, both UAE residents and ex-pat clients can obtain home loan products from Dubai Islamic Bank.

Are applicants for DIB Home Loans allowed to be self-employed?

Yes, the CBD Home Loan is available for self-employed people.


How old do I have to be to qualify for a DIB mortgage loan in UAE?

In order to be eligible for DIB Mortgage Loans, you must be at least 21 years old. The minimum age criteria for UAE nationals is 20 years.

How does DIB bank verify my loan eligibility?

In order to confirm a borrower's eligibility at the loan application processing stage, the bank requires documented confirmation of earnings, residency, as well as identity.

Can I acquire a home loan from the Dubai Islamic Bank for a property that is still being built?

Yes, both completed and unfinished properties are financed by the DIB Home Loan.

Can you get a loan approved from DIB without fulfilling the eligibility requirements?

No, if an applicant does not match the minimum eligibility criteria, the bank will not approve their application.

How to apply for a DIB home loan in UAE?

You can go to any nearby bank office or the bank's website to submit an application form for a DIB home loan. Alternatively, you may also go to Policybazaar.ae to compare all of the home loan options you are eligible for and submit an application form for the one you pick.

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