Your Path to a New Home

We take pride in supporting UAE National beneficiaries as they work toward owning a home and bringing their families together. Emirates Islamic offers exclusive Home Finance solutions to help you construct your house or purchase a new home under the Mohammed Bin Rashid Housing Establishment (MBRHE) Housing Programme.

Benefits

Extended Payment Tenor

Benefit from payment periods of up to 25 years, keeping instalments manageable.

Housing Program Facility

Benefit from up to AED 1,000,000 through the Housing Program, complemented by Emirates Islamic Home Finance.

50% Processing Discount

Enjoy a 50% discount on processing fees instead of the standard 1% of finance amount.

Program Benefits

A seamless way to own your home through Shariah-Complaint Forward ljarah

Housing Program Facility

Up to AED 1,000,000 + Emirates Islamic Home Finance

Quick Approvals

Fast and efficient processing

Long Payment Tenor

Up to 25 years

Life Takaful Coverage

Protection against unforeseen events

Convenient Monthly Payments

Easy instalments with direct debit

Property Takaful Coverage

Protection for your property

Engineering & Monitoring Services

Support for under-construction homes

Minimal Documentation

Quick and straightforward document requirements

Product Suite

Support for building or buying your home

Additional Financing Solutions

Flexible financing for construction or purchase

Expert Services

Guidance for under-construction homes

MBRHE Salary Transfer Package

We are proud to bring a special offering designed exclusively for our MBRHE customers. This package is crafted to elevate your everyday banking experience, from tailored service support to thoughtful pricing benefits and lifestyle privileges that add real value to your journey. It’s a personalised way to bank, created with your needs in mind.

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Personal Finance Application Requirements

Additional Finance

Flexible, competitively priced financing to support building or enhancing your home.

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Enhanced Pricing for Additional Finance Applicants

  • Attractive and highly competitive profit rates linked with EIBOR.
  • No additional margin on cash release.
  • 50% discount on processing fees (instead of 1% of the finance amount).
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Additional Financing Solutions:

  • Home Finance as added support for construction or purchase.
  • Tailored solutions to meet your home-building needs.
  • Additional finance options to enhance your home.

Documentation Required

Please provide the required documents to help us process your request smoothly.

Customer Documents:
  • Original passport (non-digital)
  • Original National ID
  • Family book copy
  • Mohammed bin Rashid Housing approval letter
  • Valid detailed salary certificate addressed to Emirates Islamic Bank
  • IBAN message
  • Copy of the latest affection plan for the plot (2023–2024)
Contractor’s Required Documents:
  • Building permit containing the contractor’s name (2024)
  • Valid trade license (contractor, consultant if any)
  • Copy of valid National ID for the authorised signatory (contractor, consultant if any)
  • Original contractor agreement on official letterhead:
    • Signed and sealed by all parties on every page
    • Includes total construction amount with a duration not exceeding 18 months
  • Original Bill of Quantities (as per bank format):
    • Signed and sealed by all parties on every page
    • Must match the total amount in the contractor’s agreement
  • Undertaking letters from owner, contractor and consultant (if any) on official letterhead as per bank format
  • Approved architectural drawings with total built-up area calculation sheet (A4)
  • IBAN letter issued to the contractor by their bank

Customer Documents:
  • Original passport (non-digital)
  • Original National ID
  • Family book copy
  • Mohammed bin Rashid Housing approval letter
  • Valid detailed salary certificate addressed to Emirates Islamic Bank
  • IBAN message
  • Copy of the updated affection plan for the plot (2023–2024)
Contractor’s Documents:
  • Building permit containing the contractor’s name (2024)
  • Valid trade license (contractor, consultant)
  • Copy of valid National ID for the authorised signatory (contractor, consultant)
  • Original contractor agreement on official letterhead:
    • Signed and sealed by all parties on every page
    • Includes total construction amount not exceeding 18 months
  • Original Bill of Quantities (as per bank format):
    • Signed and sealed by all parties on every page
    • Must match the total amount in the contractor’s agreement
  • Undertaking letters from owner, contractor and consultant on official letterhead as per bank format
  • Approved architectural drawings with total built-up area calculation sheet (A4)

Customer Documents:
  • Original passport copy (non-digital)
  • Original National ID
  • Family book copy
  • Mohammed bin Rashid Housing approval letter
  • Valid detailed salary certificate addressed to Emirates Islamic Bank
  • IBAN message
  • Copy of the affection plan for the plot (2023–2024)
Contractor’s Required Documents:
  • Valid trade license (contractor)
  • Copy of valid National ID for the authorised signatory (contractor)
  • Original contractor agreement on official letterhead:
    • Signed and sealed by all parties on every page
    • Includes total construction amount and time period
  • Original Bill of Quantities (as per bank format):
    • Signed and sealed on all pages by all parties
    • Must match the total amount in the contractor’s agreement
  • Undertaking letters from owner, contractor and consultant on official letterhead as per bank format
  • IBAN letter issued to the contractor by their bank

Contractor & Project Documents:
  • Building permit with contractor name (2024)
  • Valid trade licenses (contractor, consultant)
  • Valid copy of Emirates ID for the authorised signatory (contractor, consultant)
  • Original contractor agreement on official letterhead:
    • Signed and stamped by all parties on every page
    • Includes total construction amount and project duration up to 18 months
  • Original Bill of Quantities (BOQ):
    • Signed and stamped by all parties on every page
    • Matches the value in the contractor’s agreement
  • Undertaking letters from owner, contractor and consultant on official letterhead
  • Certified architectural drawings including cover sheet with built-up area (A4)
  • IBAN letter issued to the contractor by their bank

Customer Documents:
  • Original passport (non-digital)
  • Original Emirates ID
  • Family book copy
  • MBRHE approval letter
  • Valid detailed salary certificate addressed to Emirates Islamic
  • IBAN number
  • Updated site plan copy (2023–2024)

Takaful Terms & Conditions

Protect your loved ones and your home with Takaful coverage designed to safeguard against unforeseen circumstances, damage, and unexpected events press the icon to view the full policy document.

Life Takaful
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Protection plans offering Shariah-compliant life coverage for Home Finance customers.

Property Takaful
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Shariah-compliant protection for your home, covering physical loss or damage as stated in the policy.

CONTACT INFORMATION

Get in touch with our Home Finance team for enquiries, support, and location information.

Frequently Asked Questions

Having MBRHE grant facility approval does not automatically mean your case is approved for finance at Emirates Islamic. After you submit your documents, the bank will assess your financial eligibility as per CBUAE guidelines and regulations.

Contractor and consultant documents should be submitted to the Engineering department at the Nad Al Hammar branch, together with the requisite documents and a representative of the contractor/consultant.

Yes. Once the property is ready and handed over, Emirates Islamic will initiate property Takaful coverage through one of its empanelled Takaful providers, covering actual loss or damage to the property.

Yes. Life Takaful coverage is provided for the applicant(s) through one of Emirates Islamic's empanelled Takaful providers, starting from the inception (first disbursal) of the finance facility.

Payments are released once the contractor submits valid documents confirming work completed, along with an invoice, by visiting the Engineering department at the Nad Al Hammar branch. Payment authorisation is subject to a progress review and site visits before funds are released.

You can check your outstanding home finance balance by logging on to Online or Mobile Banking, or by calling 600 599 995. Priority Banking customers can contact us at a 800 111 22.

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

Under the MBRHE Housing Programme, UAE Nationals can access a Housing Program facility of up to AED 1,000,000, complemented by additional Emirates Islamic Home Finance to fully fund construction or purchase of their home.

MBRHE Home Finance applicants benefit from a 50% discount on processing fees, instead of paying the standard processing fee of 1% of the finance amount that applies to regular Home Finance.

Profit rates for MBRHE construction and additional home finance are competitive and EIBOR-linked, in line with Emirates Islamic's standard Home Finance pricing approach, with the exact rate depending on the finance amount, tenure and the applicant's eligibility, subject to bank policy.
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