Easy Home

Easy Home

Overview

  • Interest rates from as low as 3.99% per annum
  • Repayment period up to 25 years
  • UAE Nationals can borrow up to 80% of the property value or 8 times your annual income
  • Expats can borrow up to 75% of the property value or 7 times your annual income

Your home should be a haven, an expression of your personal taste; your family’s place of comfort. It’s where you look forward to returning to at the end of a long day. 

If you’re a UAE National or an expat who calls the UAE home, why not get an address you can finally call your own. 

We offer mortgages that fit your circumstances and help you buy the home you really want and within your means. Let’s make it happen, together.

Fees and Tariffs

Processing fees  
1% of the finance amount  
Pre-approval fee  
AED 500  
Life insurance  
0.36% of the outstanding loan amount at the beginning of each year  
Property insurance  
0.042% p.a. of the property value for each year of loan tenor and recover it upfront from customer  
Partial settlement fees  
Partial settlement is allowed only once in a year. This is a lump sum payment in addition to the monthly instalments  
 
If amount part settled in a calendar year is up to 25% of the loan outstanding at the beginning of year – nil  
 
If amount settled in a calendar year is 25% or more of the loan outstanding at the beginning of year – 1% of the partial amount settled during the year  
Early settlement fees  
If settled due to buy-out by another bank – 1% subject to maximum AED 10,000/-  
 
If settled from other sources – 1%  

Eligibility

Applicants must be:

  • A UAE National or resident expatriate
  • Employed (earning at least AED 15,000 per month and at current employer for at least 6 months) or self-employed (earning at least AED 20,000 per month and able to show audited finances for the past 2 years)
  • Between 25 and 65 years old for expats, or up to 70 years old for UAE Nationals

Terms & Conditions

Terms & conditions apply

  • The bank reserves the right to change the interest rates, fees & tariffs, charges and terms & conditions at its own discretion, without any prior notice
  • Approval of loans is at the discretion of the bank
  • All fees and charges are in line with the UAE Central Bank policies
  • For more details please visit nearest UNB branch