EIBOR 3M 3.69% CBUAE Base 3.65% Best Islamic 3.25% Best Conventional 3.70% Products Tracked 55 Updated 24 Mar 2026 EIBOR 3M 3.69% CBUAE Base 3.65% Best Islamic 3.25% Best Conventional 3.70% Products Tracked 55 Updated 24 Mar 2026
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UAE Mortgage Rates
from 3.25%

Compare 55+ products from 12+ banks. Islamic and conventional. Updated daily from real lender data, not estimates.

Compare All Rates → Check Eligibility
قارن أسعار التمويل العقاري في الإمارات
UAE skyline with mortgage rate comparison
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Shariah-Compliant
From 3.25%

34 Islamic mortgage products from UAE's leading banks. Ijara, Murabaha, and Diminishing Musharaka structures. All CBUAE regulated.

View Islamic Rates → Check Eligibility
تمويل عقاري متوافق مع الشريعة الإسلامية
Islamic geometric pattern
بسم الله الرحمن الرحيم

Know Your
Borrowing Power

CBUAE affordability rules determine your maximum. Our calculator applies the same three-limitation test that banks use. 90 seconds, not 90 minutes.

Check Eligibility → Mortgage Calculator
اعرف قدرتك على الاقتراض في ٩٠ ثانية
Mortgage eligibility calculator
☪ 34 Islamic Products
✦ 21 Conventional Options
✓ CBUAE Regulated Banks
↻ Updated 24 March 2026
أفضل أسعار التمويل العقاري اليوم

Today's Best Rates

Live reducing rates from UAE banks. Sorted by cost, updated daily from lender pricing data.

Best Islamic
Islamic (Ijara)
National Bank of Fujairah
NBF Islamic Home Finance
3.25%
Min Salary: AED 15,000/mo
Down Payment: 20%
Monthly: AED 4,878/mo (AED 1M loan)
Features: Free property valuation, Life insurance included
Best Conventional
Conventional
HSBC
HSBC Home Loan
3.70%
Min Salary: AED 15,000/mo
Down Payment: 20%
Monthly: AED 5,106/mo (AED 1M loan)
Features: Free property valuation, Free pre-approval
Low Entry
Islamic
Standard Chartered
Saadiq Home Finance
3.50%
Min Salary: AED 15,000/mo
Down Payment: 20%
Monthly: AED 5,006/mo (AED 1M loan)
Features: Free property valuation, Salary transfer not required
Islamic (Murabaha)
Dubai Islamic Bank
Al Islami Home Finance
3.65%
Min Salary: AED 10,000/mo
Down Payment: 20%
Monthly: AED 5,086/mo (AED 1M loan)
Features: Free property valuation, Life Takaful included
Islamic
United Arab Bank
UAB Home Finance
3.65%
Min Salary: AED 15,000/mo
Down Payment: 20%
Monthly: AED 5,086/mo (AED 1M loan)
Conventional
Aafaq Finance
ADF Home Loan
3.75%
Min Salary: AED 8,000/mo
Down Payment: 0%
Monthly: AED 5,136/mo (AED 1M loan)
Features: 0% down payment, Free property valuation
View All 55 Products →
التمويل العقاري الإسلامي

Islamic Home Finance

34 Shariah-compliant products from 10+ banks. Ijara, Murabaha, and Diminishing Musharaka. All regulated by CBUAE and certified by Shariah boards.

View Islamic Rates →

Know Your Borrowing Power

CBUAE rules determine your maximum. Our calculator applies the same debt burden ratio, loan-to-value, and income multiple tests that banks use. 90 seconds.

اكتشف قدرتك على التمويل العقاري
Check Eligibility →
كيف يعمل الموقع

How It Works

Real rates from real banks. No middlemen, no hidden fees.

Compare Rates

55+ products from 12+ UAE banks. Islamic and conventional. Sorted by cost, not commission.

قارن الأسعار

Check Eligibility

CBUAE affordability rules built in. See your maximum borrowing power in 90 seconds.

تحقق من الأهلية

Islamic Finance

Ijara, Murabaha, Diminishing Musharaka. Shariah-certified profit rates clearly labelled.

التمويل الإسلامي

Apply Direct

Contact banks directly via WhatsApp or in-app enquiry. No broker fees, no runaround.

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أحدث أخبار التمويل العقاري

UAE Mortgage News

Market updates, rate changes, and regulatory news that affects your mortgage.

📰
CBUAE

CBUAE Holds Base Rate at 3.65% Following Fed Decision

The Central Bank of the UAE maintained its base rate, tracking the US Federal Reserve. Mortgage rates remain stable for now.

March 2026
📊
Market

Dubai Property Transactions Rise 12% in Q1 2026

Dubai Land Department reports increased transaction volumes as mortgage rates stabilise and buyer confidence improves.

March 2026
🏦
Rates

NBF Drops Islamic Home Finance Rate to 1.55% Flat

National Bank of Fujairah now offers the lowest Islamic mortgage rate in the UAE at 1.55% flat, undercutting major banks.

March 2026
سعر الفائدة بين البنوك الإماراتية

EIBOR at 3.69%

The Emirates Interbank Offered Rate directly affects your variable mortgage rate. When EIBOR moves, your monthly payment moves with it. Track changes here.

Full EIBOR Tracker →
3.69%
EIBOR 3-Month
3.65%
CBUAE Base Rate
3.25%
Best Islamic
3.70%
Best Conventional
💬