Elite Home finance
Secure your next great investment with FAB Islamic’s exclusive Home Finance offers
Warning
- If you do not keep up your repayments/payments, you may lose your property
- You may have to pay penalties if you pay off a loan/financing early
- Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more in interest/profit
- If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future
Invest in Prestigious Property. Save up to AED 25,000 in Fees and Win Up to 1.5 KG of Gold!
Secure your next great investment with FAB Islamic exclusive home finance offers—crafted for affluent individuals who see property as more than a home.
Real estate remains one of the most powerful ways to preserve and grow wealth. With FAB Islamic, you gain access to tailored home finance solutions that not only support homeownership but elevate your portfolio with prime property assets.
Enjoy competitive fixed profit rate home finance options starting from 3.89% and save up to AED 25,000 in processing fees—ideal for first-time investors acquiring high-value residences or buyers completing developer handover payments.
Already own a property? Transfer your home finance to FAB ISLAMIC and receive:
- Up to 180-day grace period before your first instalment
- Refund on processing and valuation fees
- No early settlement charges
- Full waiver on home finance buyout fees
Plus, you’re automatically get a chance to win up to 1.5 KG of gold—a reward worthy of your investment.
Whether you're diversifying your portfolio, acquiring a holiday home, or planning for generational wealth, our dedicated home finance advisors will guide you at every step. You’ll also enjoy privileged access to premium Sharia compliant credit card options that match your lifestyle and aspirations.
Enjoy our exclusive Elite benefits:
| Grace period | Gold Draw * | Processing fees ** | Home Finance buyout | |
|---|---|---|---|---|
| UAE Nationals | 90 days for new home finance, 180 days for buyouts | 3 winners. 1.5 KG of Gold |
Processing fees waiver for salary transfer customers and 50% discount on fees for non-salaried customers | Processing fee Waiver, Refund of Early Settlement Fees and valuation fees |
| Residents | 60 days for new home finance, 120 days for buyouts | 3 winners. 1.5 KG of Gold |
Processing fees waiver for salary transfer customers and 50% discount on fees for non-salaried customers | Processing fee Waiver, Refund of Early Settlement Fees and valuation fees |
Up to 5 years of rate certainty with our fixed profit rates:
| Segment | Fixed Profit rate tenure | With a salary transfer + FAB Islamic Credit Card*** | Without a salary transfer**** |
|---|---|---|---|
| UAE Nationals***** | 1 year | 3.89% | 4.24% |
| 2 years | 3.89% | 4.24% | |
| 3 years | 3.89% | 4.24% | |
| 5 years | 4.19% | 4.44% | |
| Expatriates | 1 year | 3.99% | 4.24% |
| 2 years | 3.99% | 4.24% | |
| 3 years | 3.99% | 4.24% | |
| 5 years | 4.19% | 4.44% |
*Click here to learn more about FAB Islamic Gold campaign.
***The subsequent Home finance rate you’ll move to when your current deal ends is equivalent to 3 months EIBOR + 1.5% for customers with a salary transfer to a FAB Islamic savings account, and it will not fall below a specified rate of 1.99% over an agreed period of time.
***When you transfer your salary to a FAB Islamic savings account and choose a FAB Islamic credit card. For more information on the credit card please refer to the campaign terms and conditions.
*****The subsequent home finance rate you’ll move to when your current deal ends is equivalent to 3 months EIBOR + 1.89% for non-salary transfer customers, and it will not fall below a specified rate of 1.99% over an agreed period of time.
*****Limited time offer, valid till 30 June 2025.
Other great benefits include:
- Get low profit rates when you transfer your salary to a FAB Islamic savings account, choose a FAB Islamic credit card to complement your home finance with an annual membership waiver for the first year. Visit the campaign page for more information on the credit card requirements.
- Partial settlement up to 25% of outstanding finance annually without fees, during the variable rate period
- Up to 85% financing for first-time buyers
- Dedicated Home finance advisors
Processing fees are waived for salaried (who transfer their salaries to a FAB Islamic savings account) first-time property buyers and those making handover payments to developers. Non-salaried customers receive a 50% discount.
**Capped at AED 25,000. Offer valid till 31st May 2025.
Ready to apply?
Find out more about our Fees, Terms & Conditions
Islamic banking fees and charges
PDF
Sample Schedule
PDF
The Shariah rulings ('Fatwa') issued by FAB ISSC for Islamic Real Estate Finance (Ijarah – completed property)
PDF
The Shariah rulings ('Fatwa') issued by FAB ISSC for Islamic Real Estate Finance (Forward Ijarah – under construction property)
PDF
The Shariah rulings ('Fatwa') issued by FAB ISSC for Islamic Real Estate Ijara Finance – MBRHE Scheme (Ijarah – completed property)
PDF
The Shariah rulings ('Fatwa') issued by FAB ISSC for Islamic Real Estate Finance – MBRHE Scheme (Forward Ijarah – under construction property)
PDF
Key Fact Statement for Islamic Real Estate Finance (Ijarah – completed property)
PDF
Key Fact Statement for Islamic Real Estate Finance (Forward Ijarah – Under construction property)
PDF
Key Fact Statement for Islamic Real Estate Ijara Finance – MBRHE Scheme (Ijarah – completed property)
PDF
Home Finance Calculator
Use our Home Finance Calculator to find out how much you are eligible to get financed and the breakdown of your monthly payments. This tool will help you understand the difference an overpayment on your finance could make or how much more you could finance on your current options.
The property price is (AED)
AED
I will put down a payment of (AED)
AED
and would like a finance period (years) of
Annual profit rate
Finance amount
AED
0
Monthly repayment
AED
0
* Please note that this is just an estimate based on the given amounts and the downpayment is dependent on the transaction type along with the relevant conditions that apply
Representative example
Finance amount
AED
0
Monthly repayment
AED
0
* Please note that this is just an estimate based on the given amounts and the downpayment is dependent on the transaction type along with the relevant conditions that apply
Get in touch
Need more help?
Contact us anytime for further assistance or check out our FAQ page for more information.
| For customers within the UAE | For customers outside of the UAE | ||
|---|---|---|---|
 |
600 52 5500 | |
+971 2 681 1511 |