EIBOR 3M 3.85% CBUAE Base 3.65% Best Islamic 3.90% Best Conventional 3.78% EIBOR 3M 3.85% CBUAE Base 3.65% Best Islamic 3.90% Best Conventional 3.78%

Managing & refinancing

For owners, not buyers: what actually happens when payments slip, the protections you have, and when refinancing or a buyout saves real money.

9 articles in this topic

If payments get difficult

Mortgage arrears UAE 2026: what are your options if you fall behind? Mortgage arrears UAE: what happens when you miss payments, what options banks must offer under CBUAE rules, and the steps to take before the situation escalates. Mortgage Payment Holiday UAE 2026: Can You Pause Payments? Can you get a mortgage payment holiday in the UAE? UAE banks do not offer formal payment holidays but do allow restructuring. What to do if you cannot pay, and your rights under CBUAE rules. Mortgage repossession UAE 2026: what happens if you can't pay your home loan Can UAE banks repossess your property? What is the legal process, how long does it take, and what are your rights and options as a borrower? UAE mortgage repossession explained. Mortgage Restructuring UAE 2026: What Your Bank Can Offer If You're Struggling If you are struggling with UAE mortgage payments, your bank can offer restructuring options including extended terms, payment deferrals, and rate reductions. How to ask, what to expect, and what happens to your visa. Security cheque UAE: what it is and your rights in 2026 What a security cheque is in the UAE, where you will meet one, how the 2022 bounced cheque law change affects you, and how to hand one over safely. What If You Miss a Mortgage Payment UAE? (2026) UAE missed mortgage payment consequences: late fees, AECB damage, repossession process, security cheque enforcement. What to do if you can't pay. May 2026.

Refinancing & equity

Mortgage buyout UAE: costs, savings and how to switch lender A UAE mortgage buyout lets you pay off your existing home loan with a cheaper one from a new bank. Here is exactly what it costs, how much you can save, and how the process works. Mortgage Refinancing UAE 2026 UAE mortgage refinancing guide: early settlement fees, DLD re-registration, valuation, break-even math. When refinancing makes sense and when it doesn't. June 2026. When to Refinance Your UAE Mortgage: The Numbers That Tell You It's Worth It Should you refinance your UAE mortgage? The CBUAE caps the exit fee at 1% of outstanding balance. A 0.50%+ rate saving typically breaks even within 2-3 years. Here is how to run the numbers.

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