• عربی
Mohammed Bin Rashid Housing Establishment Mohammed Bin Rashid Housing Establishment

Emirates Islamic brings you exclusive Home Finance solutions whether to construct your house or buy a new home under the Housing Programme of Mohammed Bin Rashid Housing Establishment.

We are proud to contribute to help UAE National beneficiaries to achieve their goal for owning a home and bringing families together.

Key Benefits

Product Suite

Product Suite

Housing Programme Grant through Emirates Islamic to construct a residential property or to buy a ready home.

Additional financing solutions

Additional financing solutions

Home finance as additional support for the construction or purchase of your home.

Monthly Repayments

Monthly Repayments

Convenient monthly repayments with longer repayment tenures of up to 25 years.

Expert Services

Expert Services

Engineering and project monitoring services at no additional cost for under construction properties.


Benefits

Emirates Islamic gives you an opportunity to own a home with unmatched benefits based on the Islamic Finance Principle of Forward Ijarah for construction of your property or purchase of a home under Islamic Principle of Ijarah.

  • Housing Program facility of up to AED 1,000,000 plus Home Finance from Emirates Islamic for your house.
  • Quick approval process and fast turnaround
  • Longer repayment tenures of up to 25 years
  • Convenient monthly repayments with direct debit option
  • Takaful coverage to protect your family in the event of an unforeseen event leading to injury or loss of life
  • Takaful coverage for damage or loss to your property
  • Minimal documentation
  • Engineering and project monitoring services at no additional cost for under construction properties

Customer Journey

Please click here to view your journey through the application process.

Documentation Required

Personal Documentation:

  • Copy of valid passport (original required for verification)
  • Copy of "Khulasat Al Qaid" and National ID (original required for verification)
  • Original Salary Certificate less than 45 days old providing details on length of employment, current designation and salary package OR
  • Salary Transfer Letter in case Salary is transferred to Emirates Islamic containing details on length of service, current designation and salary package.*

* Please Note: For Government/Semi-Government organizations, salary credited to the customer's Emirates Islamic Back Account will be considered as evidence of assignment.

Property Documentation:

  • Originals of property details including the
    • Sale and Purchase agreement.
    • Title Deed/Mulkia and Site Plan.
    • Mohammad Bin Rashid Housing Establishment (MBRHE) copy of valid facility approval.
    • Site Plan Copy
  • Evidence of down payment (if applicable)
  • Approved drawings with Schedule of work and Cash flow statement
  • Bill of quantity, signed by all parties on each page
  • Building permit with Demarcation certificate
  • Owner share completion (if applicable)
  • Trade License copies of contractor/consultant

Takaful Terms & Conditions

Contact Information

Contact number: 04-4142020
E-mail: MBRHE@emiratesislamic.ae
Address: MBRHE Center, DHCC Building 16. Location

Engineering Office Address: Nad Al Hammar Branch. Location

Frequently Asked Questions

After submitting your documents, the bank will assess your financial eligibility as per CBUAE guidelines & regulations.

Visit our Engineering department at our Nad Al Hammar branch, along with the requisite documents and representative consultant/contractor.

Once the property is ready and handed over, Emirates Islamic will initiate property Takaful coverage through one of its empaneled takaful providers for any loss or damage.

Coverage for life is provided for applicant(s) through one of the empaneled Tafakul providers of Emirates Islamic from the inception (first disbursal) of finance facility.

The contractor must submit valid documents of work completed along with an invoice by visiting the Engineering department at our Nad Al Hammar branch to receive the payment (please note payment authorization is subject to progress review and site visits).

You can check the outstanding balance of your home finance by logging on to online banking or you can call us at 600 599 995. Priority Banking customers can contact us at a 800 111 22.