Easy Home

Easy Home


  • Interest rates from as low as 3.49% 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
  • Attractive finance options available for under-construction properties
  • Finance available for non-residents
  • Buy-to-let and finance against rental 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  
1.05% of the finance amount  
Pre-approval fee  
AED 525  
Life insurance  
0.42% of the outstanding loan amount at the beginning of each year  
Property insurance  
0.105% p.a. of the property value for each year of loan tenor.  
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 settled in a calendar year is up to 50% of the loan outstanding at the beginning of year – nil  
- If amount settled in a calendar year is 50% or more of the loan outstanding at the beginning of year – 1.05% of the partial amount settled during the year  
Early settlement fees  
- If settled due to sale of property – Nil  
- If settled due to buy-out by another bank or other sources – 1.05% of the outstanding balance.  
Late payment changes  
AED 735  
Issuance of liability letter  
AED 89.25  
Other certificate  
AED 78.75  
Non-Standard statement production / copy of original documents  
AED 105  
Property swaps administration fee  
AED 1,386  
Issuance of NOC  
AED 157.75  
Clearance letter  
AED 99.75  
Request of other letters  
AED 94.50  
Field Investigation / CPV fee  
AED 525  
Valuation Fee  
AED 3,150  
Fees & Charges are in line with UAE Central Bank policies and inclusive of VAT (Value Added Tax)  


Applicants must be:

  • A UAE National, resident expatriate, or non-residents
  • 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 of age for salaried expats, or up to 70 years of age for all other applicants

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
  • For more details please visit nearest UNB branch

Discover more offers