Home Loans for Women

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Whether you are a working woman or a homemaker, you will be able to find various home loans for women in UAE. Nevertheless, choosing the perfect home loan in UAE for women can be tricky considering the number of options available. 

However, by checking out all the available mortgage loan products and analysing them based on a few parameters, you can easily get the most suitable mortgage loan in UAE for yourself. In this article, we have focused on the top home loans for women in the UAE that offer plenty of benefits as well as the factors that make them viable options.

Features and Benefits of Home Loans for Women

If you plan to take a home loan for women in UAE, refer to the following points to find out the standard benefits and features of the leading plans

  • Home loans for women in UAE are available with fixed and variable interest rates
  • Most banks offer a re-mortgage option to their customers
  • A loan repayment tenure of up to 25 years is offered by most loan providers
  • Home loans for women in UAE can be availed at low interest rates
  • Several institutions offering home loan in UAE also allow the borrowers to opt for offset mortgages

Top Home Loans for Women in UAE

We will now go through the key features and benefits of different home loans in the UAE provided by various financial institutions in the emirates – 

1. Abu Dhabi Commercial Bank

Abu Dhabi Commercial Bank (ADCB) offers numerous banking services to the residents and non-residents of the UAE, including home loans. For women, the bank offers two types of home loan products & Standard Mortgage Loan and Mortgage Home Saver (both requiring a down payment of at least 20% of the total property value).

ADCB Standard Mortgage Loan

  • The minimum monthly salary required to apply for the ADCB Standard Mortgage Loan is AED 15,000
  • Borrowers can get a finance amount of up to AED 20 million
  • This home loan product comes with a reducing rate of 3.99%
  • A 1% processing and settlement fee would be applicable
  • Women applying for this home loan in UAE can also choose to settle their mortgage loan partiall
  • Borrowers can either select Conventional or Islamic home finance
  • Women can finance up to 80% of their property value
  • Refinancing options are available for women
  • A loan repayment tenure of up to 25 years can be availed
  • For every AED 1,000 loan amount, borrowers receive 200 TouchPoints
  • Flexibility in switching to a different mortgage variant during the loan period
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ADCB Mortgage Home Saver

  • This home loan for women can be applied for if you have a monthly salary of at least AED 15,000
  • One can get an amount of up to AED 20 million with the ADCB Mortgage Home Saver 
  • The reducing rate is 4.25%
  • The settlement and processing fee charged on the home loan is 1%
  • Women availing of this home loan product can finance up to 80% of their property value
  • The bank allows a repayment tenure of up to 25 years
  • Borrowers can switch to a different variant of the mortgage during the tenure of the loan
  • With the Mortgage Home Saver home loan product, individuals can also reduce their loan tenure by up to 15 years
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2. First Abu Dhabi Bank Home Loan

First Abu Dhabi Bank (FAB), considered one of the most prominent banks in the UAE, also offers home loans for women along with numerous other services and products. Three types of mortgage loan options are available to UAE nationals and ex-pats.

Expats availing of the Home Loan for Residences and Investment in UAE and Islamic Home Finance must pay 20% of their property value as the down payment. On the contrary, for nationals, the down payment for these loan products is 15%.

For Home Loan for Non-UAE Residents, the down payment is 50% of the property value.

FAB Home Loan for Residences and Investment in UAE

  • Salaried women with a monthly salary of at least AED 15,000 can apply for this loan
  • Self-employed women with a minimum monthly income of AED 25,000 can avail of this mortgage loan in UAE
  • The maximum finance amount offered by the FAB with this home loan in UAE is AED 20 million
  • Individuals can repay the loan amount within 25 years
  • The reducing rate starts from 0.49% + 3 months EIBOR variable in the initial year
  • Sharia-compliant financing available
  • The early settlement fee is 1% + VAT on the outstanding mortgage amount (up to AED 10,000 + VAT)
  • From the second year onwards, the home loan interest rate for women starts from 1.49% + 3 months EIBOR variable
  • The first year fixed rates start from 2.49%. From the second year onwards, the home loan interest rates for women start from 1.99% + 3 months EIBOR.
  • No approval-in-principle fee
  • Up to 85% of the amount required for the property is provided to first-time buyers
  • The processing fee is 0.5% of the loan amount (excluding VAT) 
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FAB Home Loan for Non-UAE Residents

  • The applicant must have a monthly salary of at least AED 50,000 
  • The bank offers a home loan amount of up to AED 10 million
  • Zero approval-in-principle amount
  • No processing fee charged on buyout loans
  • The reducing rate starts at 3.49% for the first year (fixed)
  • A 1% early settlement fee is charged on the outstanding loan amount (up to AED 10,000, excluding VAT)
  • Borrowers can repay the home loan amount within a period of 20 years
  • Shariah-compliant financing available
  • Competitive interest rates offered along with an option to link to MBR or EIBOR
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FAB Islamic Home Finance

  • A salaried employee with an income of AED 15,000 and a self-employed woman with a minimum income of AED 25,000 per month can apply for the Islamic Home Finance loan
  • The reducing rate starts from 0.49% + 3 months EIBOR variable in the first year
  • Borrowers can get a loan repayment tenure of up to 25 years
  • Women can avail of up to AED 20 million with this home financing plan
  • First-time UAE national buyers can finance up to 85% of their property value
  • First-time UAE ex-pat buyers can finance up to 80% of their property value
  • Shariah-compliant home finance provided
  • The early settlement fee is 1.05% of the outstanding financing amount (maximum of AED 10,000)
  • A 1% processing fee of the loan amount is charged (excluding VAT)
  • The fixed home loan interest rates for women are as follows
    • 2-year fixed profit rate – starts from 4.79%
    • 3-year fixed rate – starts from 4.89%
    • 5-year fixed rate – starts from 4.99%
    • 10-year fixed rate – starts from 5.25%
  • No approval-in-principle fee charged
  • Options for both fresh finance and buyouts available
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3. Emirates Islamic Bank Mortgage Loan

Emirates Islamic is one of the four Islamic financial institutions in Dubai. It provides several home loan products to its customers which includes home loans for women as well. Primarily, there are two home loan options – Home Finance Manzili (requiring 25% of the property value as down payment) and Home Finance Bina’s for UAE Nationals (requiring 20% of the property value as down payment).

EIB Home Finance Manzili

  • Women with a minimum monthly salary of AED 15,000 can apply for the loan
  • The maximum finance amount offered by the bank is AED 15 million
  • The processing and early settlement fee is 1%
  • The flat rates start from 1.92%, while the reducing rates start at 3.49%
  • Borrowers can repay this home loan in UAE in tenure of up to 25 years
  • Zero processing fee for buyouts
  • Life Takaful offered at low rates 
  • Option to enrol into Priority Banking as per the eligibility
  • Finance solutions provided for registration/ transfer and brokerage fees
  • Shariah-compliant financing available
  • Quick approvals and easy documentation
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 Home Finance Binas for UAE Nationals

  • Applicants must have a minimum salary of AED 15,000 to avail of this home loan in UAE.
  • Individuals can finance up to 85% of the current market value of their properties.
  • The bank provides highly competitive rates for this product linked with EIBOR. The flat rate offered is 1.75%, and the reducing rate is 3.49%.
  • The settlement fee and processing fee are 1%.
  • The application process requires minimal documentation.
  • Availing of the Home Finance Bina’s for UAE Nationals mortgage loan in UAE involves a quick approval process.
  • A total of 25 years is provided to the customers for repaying their loan amount.
  • Individuals can avail of Takaful coverage to protect their families against any incident like accidents or loss of life.
  • For under-construction properties, engineering and project monitoring services are available without any additional cost.
  • Shariah-Complaint is available with this mortgage loan in UAE.
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4. Abu Dhabi Islamic Bank Home Loan

When it comes to home loans for women in UAE, ADIB is one of the top banks to choose from. Individuals can either opt for Home Loan for UAE Nationals or Home Loan for Expats. The minimum down payment requirement for UAE nationals is 20%, whereas the same requirement for UAE ex-pats is 25% of the cost of the house.

ADIB Home Loan for UAE Nationals

  • A salary of at least AED 10,000 per month is required to apply for this home loan in UAE 
  • Borrowers can avail of a loan amount of up to AED 20 million
  • The reducing rates start from 3.75%, while the fixed rates begin at 2.06%
  • Special rates are offered to UAE women nationals for financing handover payments to developers
  • The early settlement fee and processing fee are calculated at 1%
  • ADIB pays for the borrower’s property Takaful
  • Individuals can finance up to 80% of their property value
  • No early settlement fee required when selling the property
  • Option to avail of ADIB-paid property insurance for the full tenure with this mortgage loan product
  • Shariah-compliant financing available
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ADIB Home Loan for Expats

  • The minimum monthly salary requirement for this mortgage loan in UAE is AED 15,000
  • A maximum amount of AED 15 million can be offered with this home loan
  • Get up to 25 years to repay the home loan
  • The flat rates for this home loan in UAE start from 2.06%, while the reducing ones begin at 3.75%
  • 1% processing and early settlement fee 
  • The property Takaful is paid by ADIB
  • Women can finance up to 80% of their property value
  • The bank offers a special rate for financing handover payments to developers
  • No early settlement fees charged when selling the property
  • ADIB-paid property insurance for full tenure
  • Optional grace period of up to 6 months 
  • Availability of Shariah-compliant financing
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5. Dubai Islamic Bank Home Loan

Known to be one of the largest Islamic financial institutions in the UAE, the Dubai Islamic bank primarily offers four types of home loans to women in UAE. The down payment for its plans First Time Buyers, Existing Home Owners, and Government Housing Scheme loan products is at least 20% of the value of the property. Women availing of Home Financing for Badr Properties, on the other hand, are required to pay at least 25% of their property value in the form of a down payment.

First Time Buyers

  • The applicant must have a monthly salary of AED 12,000 or more to be considered eligible to apply for this mortgage loan in UAE
  • Women availing of this home loan can repay the loan within a tenure of 25 years
  • The maximum finance amount offered by the bank is AED 50 million
  • The flat rates for this home loan start at 1.79%, whereas the reducing rates start at 3.25%
  • A 1% processing fee and settlement fee are levied
  • UAE nationals can finance up to 80% of their property value
  • UAE ex-pats can finance up to 75% of their property value
  • Salary transfer not required
  • Shariah-compliant financing available
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Home Financing for Badr Properties

  • Self-employed women must have a monthly income of AED 12,000 or more
  • The bank offers a finance amount of AED 50 million for this home loan for women in UAE
  • Individuals can opt to repay their home loan amount in a period of 25 years
  • The flat rates start from 1.92%, while the reducing rates are 3.49% onwards
  • No processing fees are charged by the bank
  • DIB charges an early settlement fee of 1% for this home loan in the UAE.
  • UAE nationals can finance up to 80% of their property value with the Home Financing for Badr Properties loan
  • UAE ex-pats can finance up to 75% of their property value
  • The bank does not charge any evaluation fees
  • Salary transfer is optional
  • Shariah-compliant financing available
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Existing Home Owners

  • A monthly income/salary of at least AED 12,000 is required to avail of this mortgage loan in UAE
  • UAE nationals can finance up to 80% of their property value – UAE ex-pats can finance up to 75% of their property value
  • Salary transfer not required
  • The flat rates start at 1.92%, while the reducing rates start at 3.49
  • The bank charges 1% early settlement fee
  • No processing fees or evaluation fees
  • Individuals can repay their home loans within a period of 25 years
  • Availability of Shariah-compliant home finance
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Government Housing Schemes

  • Applicants are required to have a monthly salary or income of at least AED 12,000
  • Borrowers can get a loan repayment tenure of up to 25 years
  • Up to 80% of the property value can be financed by the bank
  • Salary transfer not mandatory
  • The entire home loan process is convenient and quick
  • Flat rates for this mortgage loan in UAE start from 2.1% and the reducing rates start at 3.75%
  • The early settlement fee is 1%
  • 1% processing fee is applicable 
  • Shariah-compliant financing available
  • This home loan for women in UAE is available for ready properties and self-construction
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