Our Shariah-compliant Commercial Property Finance helps you acquire the right commercial space for your business, whether office, retail, industrial, or residential. Through Ijara, we finance completed properties and provide customised solutions that support better cash flow and business growth. Enjoy competitive profit rates, quick pre-approvals, and flexible payment options.

Benefits

High Finance Amounts

Access up to AED 25 million with financing of up to 70% for commercial properties.

Competitive Profit Rates

Benefit from competitive profit rates that deliver value-driven financing.

Long Payment Tenor

Repay over up to 15 years with instalments aligned to your cash flow.

Features That Support Your Business Plans

High Finance Amounts

Funding up to AED 25 million

Generous Finance Percentage

Up to 70% of property value

Long Payment Tenor

Flexible terms up to 15 years

Competitive Profit Rates

Attractive Shariah-compliant pricing

Quick Pre-Approvals

Fast and simple processing

Completed Property Options

Eligible units in Dubai & Abu Dhabi

Renting Potential

Generate income from your property

Long-Term Value

Own property for strategic growth

Better Cash-Flow Planning

Focus on business operations

Frequently Asked Questions

Emirates Islamic's Commercial Property Finance can be used to finance commercial property purchases, including but not limited to residential complexes, retail spaces, and office spaces.

Ijara is a Shariah-compliant structure or contract whereby the property is purchased by one party (the bank) and leased to another party (the customer).

Ijarah Muntahiya Bittamlik differs from a conventional lease in three key ways. First, the bank purchases and takes full ownership of the property before the lease begins, bearing all associated purchase costs, whereas a conventional lessor does not necessarily bear these costs. Second, your monthly rental amount incorporates the property's cost and the bank's profit margin, which may be linked to a variable index within agreed upper and lower limits, rather than a flat charge purely for use of the asset. Third, once you have fulfilled all obligations under the lease, ownership transfers to you through a Sale Agreement at a token price. This provision does not exist under a conventional lease.

Yes. Emirates Islamic's Commercial Property Finance solution can also be used to release cash or equity from your completed properties.

No, you do not need to be an existing Emirates Islamic customer. The bank offers Commercial Property Finance both to customers with an existing relationship and to new customers looking to establish one, with competitive features designed to attract their financing needs.

Yes, more than one commercial property can be financed through Emirates Islamic.

No, Emirates Islamic does not charge any additional profit on accrued profit on any credit product granted to customers.

Yes, profit rates on Commercial Property Finance can vary depending on the type of commercial property being financed (e.g. retail, office, industrial or residential complex), as well as factors such as the property's location, completion status, the finance-to-value ratio (up to 70%), and the applicant's credit profile.

A finance calculator helps you estimate monthly payments for Commercial Property Finance by letting you enter the finance amount (up to AED 25 million), your chosen payment tenor (up to 15 years), and an indicative profit rate, instantly showing an estimated monthly instalment so you can assess affordability before applying.

Yes. Emirates Islamic's Commercial Property Finance covers completed commercial properties, including retail, industrial, office and residential-complex units, located in both Dubai and Abu Dhabi, all structured on a Shariah-compliant Ijara basis.
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