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I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Marino, San Marino, Vatican and Isle of man. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals. Find your nearest Citi branch: www.findmyciti.com/ae/. Call us at: +971 4 311 4000.
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Check Eligibility for CBD Home Loan
CBD Home Loan Calculator
Features of CBD Home Loan
- Low Interest rates starting from 2.99%
- 0% processing fees on Buyouts
- High Loan amounts up to AED 15 MM with tenure up to 25 years
- Flexibility to repay up to 15% of your Outstanding every year without any additional charges or fees
- Experienced & dedicated staff
Financing available for :
- Non-resident customers
Eligibility Criteria of CBD Home Loan
If you are a salaried individual (UAE Nationals and Expatriates):
- Aged between 21 and 65 years (at loan maturity)
- Minimum monthly income of AED 12,000
- Minimum length of service of 6 months
If you are self-employed (UAE Nationals and Expatriates):
- Aged between 21 and 70 years (at loan maturity)
- Minimum monthly income of AED 20,000
- Minimum length of 3 years in business
Documents Required of CBD Home Loan
If you are a salaried individual:
- Application form, consent letter & authorization letter for Bureau check.
- National ID or valid passport, residence visa and Emirates ID.
- Original 3 months bank statement for new customers.
- Salary Certificate
If you are self-employed:
- Application form
- Authorization letter for lending and consent letter for Bureau check
- Copy of Trade License
- Chamber of Commerce Registration
- Memorandum and Articles of Association.
- Original 12 months company and personal bank statements for new customers.
*Note: The bank may ask for more documents if it sees necessary.
CBD Home Loan Interest rates
3 CBD Bank Home Loans
Frequently Asked Questions
⭐ What is the processing fee charged on the buyout loans?
A. On availing home finance buyout loan at CBD, there is no processing fee charged.
⭐ Can I avail partial payment facility?
A. Yes. CBD mortgage loan buyers can get partial payment facility and clear up to 15% of the loan amount per annum without any charges.
⭐ Are non-residents of UAE eligible for the home finance?
A. Yes. Non-residents are also eligible to purchase a property in the UAE by getting finance from CBD mortgage loans.
⭐ Can I get finance to purchase a property that is under construction?
A. Yes. CBD mortgage loan can be availed to purchase an under-construction property as well.
⭐ Can I get finance to purchase lands or plot?
A. Yes. CBD mortgage loan can be availed to purchase lands or plots as well.
⭐ What should be the minimum length of business to be eligible for home finance?
A. For self-employed individuals to avail CBD mortgage loan, the business must be working for 3 years at least.
Commercial Bank of Dubai (CBD) offers a wide range of retail and commercial banking products and services, in both conventional and Shariah-compliant formats, with a network of 26 branches and over 210 ATMs throughout the UAE. The bank endeavors to build sustainable prosperity through extraordinary banking experiences. CBD commits to:
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