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Home In One Facility in UAE

A Mortgage Facility that pays you interest!

It combines your Current Account, Interest Savings and Mortgage Facility to provide a single, easy-to-manage solution with a range of benefits.

  • Variable Rate from Day 1 starting 3M EIBOR + 1.69% to 3M EIBOR + 1.99% reducing p.a.
  • Attractive option of 1, 3, 5,7 and 10  Years Fixed Rate for Salaried and Self-employed customers starting from 2.75% p.a. to 5.10% reducing rate p.a. Follow on rates after expiring the fixed rate period starting from 3 Months EIBOR + 1.79% to 3 Months EIBOR +2.19%
  • No In Principle Approvals (IPA) fees
  • 0% Processing Fee for Buyout loans
  • 0.15% Loan Processing Fee for Salaried Customers and 0.35% for Self Employed Customers for Variable Rate from Day 1.
  • 0.25% Loan Processing Fee for Salaried Customers and 0.50% for Self Employed Customers for Fixed Rate.
  • Special discounted evaluation fees of AED 1,850 
  • Attractive discounts on Life Insurance at 0.0242% p.m. + VAT as applicable
  • Bundled Emirates Skywards World Elite Credit Card offered with the loan**
  • Offer is valid till 31st May 2022
Pay off your Facility much sooner
Every deposit you make lowers your interest payments reducing your Facility tenor
Easy access to your funds 
You can withdraw your available balance at any time, just like any current account
Low Cost Mortgage
Interest is calculated on your daily balances, reducing the effective rate of interest 
  • Home in One links your current account balances to your mortgage facility in order to reduce the mortgage balance you’re charged interest on. This will help reduce your mortgage payments each month.
  • Your low yielding deposits once placed in Home in One will yield the same rate as that on the Facility. Additionally you will have instant access to your funds.
  • Home in One is ideal for anyone buying a home whether  for self-use or as an investment
  • The Account offers all facilities of a Current Account i.e. Debit Card, Cheque book, Internet and Mobile banking.

Use our calculator now to know how Home in One can save you interest.

Still have questions? Click here to view the Frequently Asked Questions.

  • If you do not keep up your repayments/payments, you may lose your property. 
  • You may have to pay penalties if you pay off a loan/financing early. 
  • If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.
  • Home in One available for below customer segments: 
    • Resident Expatriates 
    • GCC Nationals
    • UAE Nationals

  • Available for Salaried and Self Employed Individual Customers for approved residential and commercial properties
  • Minimum Income required for  Salaried Individuals AED 15,000 \ Month (Single and Joint Expats where one borrower’s salary has to be a minimum of AED 10,000) 
  • Maximum Loan Amount up to up to AED 13 Mio for Salaried Individuals and AED 20 Mio for Self Employed customers
*Note: Verification Image text is case sensitive

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