When looking to finance your dream property in Dubai, it’s essential to compare home loans in Dubai to ensure you get the most competitive deal. With rates constantly shifting, doing your homework—or better yet, consulting an expert—can result in substantial savings.
Current Rates from Top Banks (mid-2025)
- Average residential mortgages: between 3.89% and 4.99%.
- Best fixed-rate deals (with salary transfer): as low as 3.89% (2-year fixed).
Notable bank offerings:
- FAB (First Abu Dhabi Bank): Fixed-rate options from 3.99% (with salary transfer) to 4.44% (without salary transfer) for tenures up to 5 years.
- ADCB (Abu Dhabi Commercial Bank): Starting at 3.99%, with hybrid and variable structures, financing up to 80–85% for residents and expats.
- RAKBANK: Offers a competitive 3.89% reducing-rate fixed for 2 years, plus flexible terms up to 25 years.
- Emirates NBD (for expats): Offers rates around EIBOR + 1.99% (reducing balance), with a tentative rate approximately 6.65%.
- Dubai Islamic Bank (DIB): Provides Islamic home finance based on EIBOR plus margin, tenors up to 25 years, and flexible financing up to 85%.
Why You Should Compare
To compare home loans in Dubai effectively means evaluating:
- Fixed vs. variable rate structures—fixed is easier to budget; variable can drop with EIBOR declines but may increase with EIBOR hikes .
- Salary transfer benefits—many banks offer lower rates if your salary is routed through them (e.g., FAB and FAB’s salary-based discounts)
- Fees and repayment flexibility—look out for early-settlement conditions and partial prepayment allowances
How Capital Zone Can Help
At Capital Zone, we make it easy to compare home loans in Dubai by:
- Accessing exclusive rates and offers that aren’t publicly listed.
- Analyzing your unique profile (resident or expat, salary transfer ability, property type) to match you with the best option.
- Handling paperwork and negotiations, saving you time and potential penalties.
- Clarifying fixed vs variable options—allowing you to weigh stability against potential savings.
Clients who work with us can confidently compare home loans in Dubai, knowing they’re backed by expert advice and competitive terms.
Final Thoughts
A difference of just 0.5% in your interest rate can save you tens of thousands of dirhams over the life of your mortgage. Before committing, make sure to compare home loans in Dubai across fixed and variable options, and let Capital Zone help you secure favorable terms and a smooth application process.
If you’d like, I can also draft a breakdown of monthly repayments based on these rates or highlight top banking offers in table form. Just let me know!
Disclaimer: Mortgage rates and terms are subject to change based on lender policies and market conditions. Always consult a financial advisor for personalized advice.
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