# Emirates NBD Home/Mortgage Loan Eligibility Criteria in UAE **Published:** 2023-10-10T07:53:39.801Z **Updated:** 2026-07-30T16:30:22.946Z **Author:** Paisabazaar UAE **Original Url:** https://www.paisabazaar.ae/mortgage-loan/articles/emirates-nbd-home-loan-eligibility-in-uae/ Best Home Loans to buy your dream home Emirates NBD is the leading banking institution in the MENAT (Middle East, North Africa, and Turkey) region that offers various banking products and services to UAE nationals and expatriates. The bank has established its name in retail banking, institutional banking, corporate banking, investment banking, asset management, brokerage options, and more. The bank is also leading its operations in providing [home loan in UAE](https://www.paisabazaar.ae/mortgage-loan/). Emirates NBD home loan products offer the flexibility to customers to either renovate their existing home or buy a new one. One of its best features is its availability to both UAE nationals and expatriate at competitive interest rates. Table of Content * [Emirates NBD Home Loan Eligibility Criteria in UAE](#emirates-nbd-home-loan-eligibility-criteria-in-uae) * [Documents Required for Emirates NBD Home Loan](#documents-required-for-emirates-nbd-home-loan) * [Wrapping Up](#wrapping-up) * [Frequently Asked Questions](#frequently-asked-questions) ## Emirates NBD Home Loan Eligibility Criteria in UAE Emirates NBD provides multiple types of home loans as listed below - 1. [ENBD Home Loans for UAE Nationals](https://www.paisabazaar.ae/mortgage-loan/emirates-nbd-home-loans-for-uae-nationals/) 2. [ENBD Home Loans for Expatriates](https://www.paisabazaar.ae/mortgage-loan/emirates-nbd-home-loans-for-expats/) 3. Loan Against Property for UAE Nationals 4. Loan Against Property for Expatriates 5. Commercial Properties Financing 6. Mulhaq Loans **Tabled below is a detailed Emirates NBD home loan eligibility criteria for each of its products:** | Parameters | Home Loan for UAE Nationals | Home Loan for Expatriates | Loan Against Property for UAE Nationals | Loan Against Property for Expatriates | Commercial Properties Financing | Mulhaq Loans | | --- | --- | --- | --- | --- | --- | --- | | Minimum Salary | AED 10,000 | AED 15,000 | AED 10,000 | AED 10,000 | \- | AED 10,000 | | Residency Status | UAE Nationals | Expatriates | UAE Nationals | Expatriates | Only UAE registered business and completed properties in Abu Dhabi and Dubai | UAE Nationals | | Applicant Type | Both salaried and self-employed  | Both salaried and self-employed | Both salaried and self-employed | Both salaried and self-emloyed | Available only for completed, handed over and shell and core offices and retail outlets | Both salaried and self-employed | | Other Criteria (If Any) | \- | \- | \- | \- | \- | Minimum age - 21 years | ## Documents Required for Emirates NBD Home Loan For an Emirates NBD loan, you must provide specific documents based on your application. Below is a simple list of required documents: ### Salaried Individuals * Recent six months bank statements * Proof of previous employment if you are employed in currency job for less than 3 years * Latest salary certificate. It should be addressed to Emirates NBD. * If there is a salary variance of more than 10%, recent pay slips are also required. ### Self-Employed Individuals * Recent six months bank statements * Audited financials for the last two years * Copy of trade license * Memorandum of Association, encompassing all amendments ### Co-Borrowers Co-borrowers are individuals or entities that jointly apply for a loan, sharing the responsibility of repayment. When [applying for a home loan with Emirates NBD](https://www.paisabazaar.ae/mortgage-loan/emirates-nbd-home-loan/), co-borrowers are required to provide specific documentation - * Income documents. If required * Co-borrower’s passport and visa page. * MOA, passport, and trade license if co-borrower is a company In addition to the above documents, both salaried and self-employed applicants are also required to submit the identification documents, including original and copy of Emirates ID, and a passport copy with resident visa page. In case, the visa is stamped on old passport, old passport copy is needed. **Note:** These are the standard document requirements for a home loan. Emirates NBD may require some additional documents depending on your profile. ## Wrapping Up Obatining a home loan from Emirates NBD, a preeminent banking institution in the MENAT region, requires adherence to specific documentation and [eligibility criteria for home loan](https://www.paisabazaar.ae/mortgage-loan/articles/home-loan-eligibility-in-uae/). With its comprehensive offerings catering to both UAE nationals and expatriates, the bank ensures flexibility and competitive rates to its customers. The home loan options span from purchasing a new residence to renovating an existing one, or even financing commercial properties. While the article has provided a detailed breakdown of the eligibility parameters and necessary paperwork, it's essential to note that these are standard prerequisites. Potential borrowers must be diligent, ensuring they meet all criteria and furnish all necessary documents. Moreover, they should stay prepared for additional requirements, depending on their individual profile, ensuring a seamless loan application process with Emirates NBD. ## Frequently Asked Questions Q1. How long will it take for my home loan application to process in Emirates NBD? **Ans:** Your Emirates NBD home loan application will undergo processing for three to five business days. Upon approval, the bank will disburse the loan amount to your account. Q2. How can I apply for Emirates NBD home loan? **Ans:** You can easily apply for Emirates NBD home loan via Paisabazaar UAE official website. All you need to do is to visit the official website of Paisabazaar UAE, locate the home loan icon, fill out the lead form, and hit the ‘Apply’ button. One of our concerned representatives will contact and help you with thefurther process. Q3. Can I take a Emirates NBD joint home loan with my spouse? **Ans:** Yes, you can take a joint home loan with your partner or spouse. **You May Also Know**: [Home Loan Interest Rate In Dubai For Expats](https://www.paisabazaar.ae/mortgage-loan/home-loan-for-expats/) | [DIB Mortgage Rates](https://www.paisabazaar.ae/mortgage-loan/dubai-islamic-bank-home-loan/) | [ADIB Home Loan](https://www.paisabazaar.ae/mortgage-loan/adib-home-finance/) |  [House Loan Pre Approval In UAE](https://www.paisabazaar.ae/mortgage-loan/articles/home-loan-pre-approval-in-uae/)|  [Mortgage In Dubai For Non Residents](https://www.paisabazaar.ae/mortgage-loan/home-loans-for-non-resident/) |  [DIB Top Up Loan Requirements](https://www.paisabazaar.ae/mortgage-loan/dib-al-islami-home-finance-top-up-cash-against-existing-finance/) | [Under Construction Finance Dubai](https://www.paisabazaar.ae/mortgage-loan/articles/under-construction-home-loans-with-variable-interest-rate/) | [DIB Home Loan Calculator](https://www.paisabazaar.ae/mortgage-loan/articles/dubai-islamic-bank-home-mortgage-loan-calculator/) | [Home Loan Eligibility Calculator UAE](https://www.paisabazaar.ae/mortgage-loan/articles/home-loan-eligibility-calculator/) | [HSBC Home Finance Buyout](https://www.paisabazaar.ae/mortgage-loan/hsbc-home-finance-buyout/) |  [Home Loan For Off Plan Property Dubai](https://www.paisabazaar.ae/mortgage-loan/dib-al-islami-home-finance-off-plan-financing-for-freehold-properties/) | [Home Loan Balance Transfer](https://www.paisabazaar.ae/mortgage-loan/articles/home-loan-balance-transfer-in-uae/) | [Minimum Salary For Home Loan In Dubai](https://www.paisabazaar.ae/mortgage-loan/articles/home-loans-for-salaried-employees/) | [Mortgage Process In UAE](https://www.paisabazaar.ae/mortgage-loan/articles/complete-guide-to-home-loan-procedure/) | [Dubai Property Registration Fees](https://www.paisabazaar.ae/mortgage-loan/articles/land-registration-charges-in-uae/) ## 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