What your property costs a month
Each bank’s published fixed rate, then its follow-on rate, with its own fees and the Central Bank’s limits for your profile. Take it away as a PDF.
First 3 years, fixed at 3.95%
AED 8,401 a month
Then about AED 9,383 a month at today’s follow-on rate of 5.15% 3M EIBOR + 1.00% (floor 1.00%)
- Loan
- AED 1,600,000
- Transfer and agency fees
- AED 82,000
- Bank fees at drawdown
- AED 2,500
- Cash you need
- AED 484,500
- Interest over 25 years
- AED 1,179,433
Dubai Islamic Bank, Current card. Indicative: your bank confirms the final rate.
Fixed rates by bank
With your salary paid into the bank, and without. After the fixed years every loan moves to the bank’s follow-on rate, a margin over EIBOR. Rates change often; the date on each line is the bank’s own.
| Bank | 1 yr fixed | 2 yr fixed | 3 yr fixed | 5 yr fixed | Then | Card |
|---|---|---|---|---|---|---|
| Dubai Islamic BankSalary transfer | – | – | 3.95% | 4.50% | 3M EIBOR + 1.00% (floor 1.00%) | Current card |
| No salary transfer | – | – | 4.10% | 4.70% | 3M EIBOR + 1.50% (floor 1.50%) | |
| Arab BankSalary transfer | – | 3.78% | 3.95% | – | 6M EIBOR + 1.89% (floor 3.24%) | Effective till 20-02-2026 |
| No salary transfer | – | 3.95% | 4.10% | – | 6M EIBOR + 1.99% (floor 3.75%) | |
| Emirates NBDSalary transfer | – | 3.89% | 3.99% | – | 1M EIBOR + 1.99% | Effective April 2026 |
| No salary transfer | – | 4.39% | 4.39% | – | 1M EIBOR + 1.99% | |
| FABSalary transfer | 3.99% | 3.99% | 3.99% | 4.19% | 3M EIBOR + 1.50% | Effective 01-03-2025 |
| No salary transfer | 4.24% | 4.24% | 4.24% | 4.44% | 3M EIBOR + 1.89% (floor 1.99%) | |
| ADIBSalary transfer | – | – | 3.99% | 4.34% | 1M EIBOR + 1.60% (floor 3.10%) | Ready properties |
| No salary transfer | – | – | 4.14% | 4.59% | 1M EIBOR + 1.75% (floor 3.25%) | |
| Emirates IslamicSalary transfer | – | – | 3.99% | 4.39% | 3M EIBOR + 1.79% (floor 1.99%) | Effective 03-02-2025 |
| No salary transfer | – | – | 4.19% | 4.59% | 3M EIBOR + 1.89% (floor 2.24%) | |
| CBDSalary transfer | 4.89% | – | 3.99% | 4.19% | 3M EIBOR + 1.79% | Standard mortgages |
| No salary transfer | 4.99% | – | 4.49% | 4.59% | 3M EIBOR + 1.99% | |
| Sharjah Islamic BankSalary transfer | 3.75% | – | 3.99% | 4.25% | 3M EIBOR + 1.75% (floor 3.99%) | Effective 28-08-2024 |
| No salary transfer | 3.99% | – | 4.25% | 4.49% | 3M EIBOR + 1.99% (floor 4.25%) | |
| RAKBANKSalary transfer | 3.89% | 3.89% | 4.19% | 4.49% | 3M EIBOR + 1.89% (floor 2.49%) | Effective 24-06-2026 |
| No salary transfer | 3.99% | 3.99% | 4.39% | 4.59% | 3M EIBOR + 1.89% (floor 2.99%) | |
| HSBCSalary transfer | 4.05% | 4.19% | 4.39% | 5.05% | 3M EIBOR + 1.69% | Effective 19-05-2026 |
| No salary transfer | 4.55% | 4.69% | 4.85% | 5.55% | 3M EIBOR + 1.69% | |
| Ajman BankSalary transfer | – | 4.40% | – | – | 3M EIBOR + 1.85% | Effective 15-05-2026 |
| No salary transfer | – | 4.75% | – | – | 3M EIBOR + 2.10% | |
| Al Hilal BankSalary transfer | – | – | 4.50% | 4.50% | 3M EIBOR + 2.25% | Effective 01-02-2024 |
| No salary transfer | – | – | 4.74% | 4.74% | 3M EIBOR + 1.99% | |
| Bank of BarodaSalary transfer | – | – | 4.60% | – | 3M EIBOR + 2.00% (floor 4.50%) | Effective 24-11-2025 |
| No salary transfer | – | – | 4.70% | – | 3M EIBOR + 2.00% (floor 4.50%) |
Indicative published rates, not an offer. The bank confirms your rate after assessing your income, the property and the loan size. Read our mortgage guide.