DIB Al Islamic Home Finance Commercial Property Finance

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  • Flexible repayment periods up to 25 years
  • Processing fees as low as 1%
  • Profit rates starting at 2.75% per year

Get Home & Mortgage loan at Lowest Interest Rate


Get Home & Mortgage loan at Lowest Interest Rate

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
Parameters Details
Finance Amount Up to AED 50 million
Minimum Salary Required Per Month UAE Nationals: AED 10,000 , Expats: AED 12,000
Salary Transfer Not Required
Loan Term Up to 25 years
Profit Rate 6.25% (Reducing
Minimum Down Payment UAE Nationals: 20%, Expats: 25%
Click here to Apply for this Home Loan

Established in 1975, Dubai Islamic Bank offers Islamic solutions to its customers and endeavours to make banking services simple yet efficient for all. Notably, with the bank aligning to global practices yet adhering to Islamic beliefs, DIB has become a renowned name across the world in terms of Sharia-compliant products like a home loan in UAE and more.

If you are looking for affordable finance options for buying commercial property in the UAE, Dubai Islamic Bank may be among the best solutions due to its wide range of options for commercial loans as well as home loans. Read on to find out all about Dubai Islamic Bank Al Islami Home Finance Commercial Property Finance and DIB home loan in general.

Features & Benefits of Dubai Islamic Bank Commercial Property Finance 

DIB Commercial Property Finance provides various benefits and features to loan seekers, with the major ones discussed below:

  1.  A good Loan-to-Value (L-T-V) ratio: Al Islamic home loan in UAE from DIB offers a high L-T-V ratio of up to 80 per cent. Simply put, you would only have to pay 20 per cent of the monetary value of the house at the time of the purchase. The remaining 80 per cent of the amount will be handled by the bank in this case.
  2. Ease of Repayment: One of the remarkable features of Dubai Islamic Bank is the flexibility concerning tenures with its home loan in UAE. Moreover, with the maximum permissible tenure for loan repayment going up to 25 years, you can enjoy low monthly instalments (albeit at high interest/profit amounts). 
  3. Shariah-Compliant: Dubai Islamic Bank is distinguished for offering mortgage loans and commercial property finance, all in accordance with the Islamic Shariah principles. Consequently, you can now get home loans in UAE without compromising your Islamic beliefs. 
  4. Instant Quote: You can get to know your eligibility for commercial loans and home loans with DIB instantly. All you have to do is visit their website or contact their customer service. 

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Note: You can obtain the quotes for top home loan plans in the country with Policybazaar UAE.

Documents Required for Dubai Islamic Bank Al Islami Home Finance Commercial Property Finance 

The documents generally asked for when you apply for a DIB home loan are as follows:

  • Filled out and signed application form
  • Copy of trade licence
  • Bank statement for the previous 6 to 12 months
  • Additional income verification
  • Copy of passport
  • Property documents

It should be kept in mind that some documents other than the ones mentioned here may be required when you apply for a DIB home loan in UAE.

Eligibility Criteria for Dubai Islamic Bank Al Islami Home Finance Commercial Property Finance 

The major eligibility criteria that you will be required to fulfil if you wish to avail of a home loan in UAE from the Dubai Islamic Bank are:


Minimum: 20/21 years

Maximum: 65 years

Minimum Monthly Salary Requirement

AED 10,000 (UAE Nationals)

AED 12,000 (Expats)

How to Apply for Dubai Islamic Bank Home Finance Commercial Property Finance? 

Applying for Dubai Islamic Bank AI Islamic Home Finance Commercial Property Finance is fairly simple, as you can complete the process by visiting the official website of Dubai Islamic Bank and checking for a commercial property finance loan. Another option for you is to visit the nearest Dubai Islamic Bank branch and submit the application form for the same. 

Irrespective of your selected application mode, you can initiate the process to apply for a DIB home loan in UAE by obtaining a form from the website or an executive at a branch of the bank. Fill it out, attach (or upload) the required documents, and submit them for processing. Whether you went online or offline, the next step will be a bank executive contacting you for further procedures.

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Reasons to Choose Dubai Islamic Bank Al Islami Home Finance Commercial Property Finance 

Dubai Islamic Bank can be an exquisite choice when it comes to Islamic home loans in UAE. With features like affordable profit rates, easy application process, large home finance amounts, minimum salary and document requirements, and more, the bank is able to provide high-quality financial services without draining the finances of the user. And that’s not all, as the bank’s support staff is readily available for help at all the steps of your home loan venture.


Whom should I contact if I have any queries or want information about Al Islamic Home Finance?

You can get in touch with us, visit your nearest DIB bank branch, or call their 24/7 customer service for details about your queries/ concerns.

Can I get my money back if I change my mind after approval?

No, there is no refund for the pre-approval and processing fees if you cancel the plan after approval.

Can I change my current home loan to DIB home finance?

Yes, you may get to transfer your home loan in UAE from any bank to Dubai Islamic Bank’s home loan. To get an idea about the fees and the required conditions for transfers, you can verify with the bank.

What is Loan to Value or L-T-V?

LTV, short for loan to value, is often referred to as Lost to cost (LTC). It is the amount a bank or a lender is willing to give you in the form of a loan as per the monetary value of the property in question. LTV is

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