Chanchal Singh is a content strategist at Paisabazaar.ae, focused on banking and finance-related content for the UAE market. With over 2 years in insurance & finance content, she specialises in making personal finance simpler for individuals and businesses. She breaks down complex financial concepts into clear, actionable insights, enabling you to evaluate options and make informed decisions through research-driven, user-centric content.
Reviewed ByRavindra DhakarProduct Manager
Ravindra Dhakar
Product Manager
With 4+ years of experience in banking and financial services, Ravindra Dhakar serves as a Product Manager at Paisabazaar.ae, specialising in banking and finance products. He is adept at developing customer-centric financial solutions, optimising product strategies, and driving innovation across lending, payments, and consumer banking to enhance financial accessibility and user experience.
The First Abu Dhabi Bank, also referred to as FAB, is one of the distinguished banks in the UAE. The bank is recognised by customers for providing the most relevant and customisable financial product. Notably, unlike several other banks, FAB has several options within the category of personal loan in UAE itself!
One such example of the mentioned wide range of personal plans by the bank is the FAB landlord loan. A type of FAB personal loan, the high point of this plan is that it gives you the advantage of utilising your property to access funds for any personal requirement.
Want to know more about the FAB landlord loan and how this type of FAB personal loan in UAE will be beneficial for you? Continue reading below to find all the relevant answers.
FAB landlord loan is suitable for an individual who wishes to use their rental property and borrow a loan against their income from the rent. Other than that, there is a list of benefits that you can take advantage of with this FAB personal loan, with the most relevant ones listed below for your consideration:
Flexible Repayment Tenures - The landlord's personal loan by the FAB bank comes with a flexible tenure option, meaning that you can select any tenure period up to 48 months to repay your loan. Consequently, this type of personal loan in UAE gives you the freedom to avoid imbalanced monthly budgets resulting from large repayment installments.
Financing of Up to AED 2 Million - FAB bank offers excellent financing with its landlord's personal loan, with the option of getting up to AED 2 million against the property that you have rented.
Attractive Interest Rates - The FAB landlord loan has a minimal and reasonable base rate and a variable rate of 2% p.a. With such low rates, you can easily utilise the loan amount first and repay it in manageable installments.
Life Insurance - Each applicant for the FAB personal loan is automatically eligible for life insurance. This insurance is helpful in the event of death or disability of the borrower, as the family members and dependents of the borrower could benefit from this financial relief.
Interest Rates for FAB Landlord Loans
Check out the applicable interest rates for FAB personal loans:
Interest Rates for FAB landlord loan
Base rate** + 2% variable rate (per year)
**Base rate for FAB personal loans is 8.75% from July 2022 onwards.
Income Requirement for FAB Landlord Loans
Here is what the FAB bank looks for as a minimum salary requirement.
Monthly Salary Requirement
At least AED 7,000
Eligibility Criteria for FAB Landlord Loans
To apply for the FAB landlord personal loan, you must fulfil the requirements mentioned below first:
Minimum Age
21 years
Maximum Age*
65 years for nationals (on maturity)
60 years for expatriates (on maturity)
*Maximum age varies as per several other factors
Documents Required for FAB Landlord Loans
When applying for a personal loan in UAE via the FAB bank, you must have some key documents to present to the bank during your personal loan application. Here is a list of requested documents:
FAB personal loan application
Salary transfer letter
Salary certificate
Bank account statement for the past three months
Emirates ID (for nationals)
Passport and Visa copy (for ex-pats)
How to Apply for FAB Landlord Loans?
You can apply for a FAB personal loan offline or online, as per your convenience. If the former is your preference, you can simply visit a FAB branch nearby and fill out an application form for the same there. After submitting it along with the specified documents, you can expect the bank to contact you in a short while to discuss the remaining steps of the application.
However, offline applications for a personal loan in UAE can often prove cumbersome and time-consuming. In such cases, directly applying online from the website of the bank is an excellent way to cut the hassle and save time.
Here is how you can apply for FAB landlord loans using the official FAB website:
Visit the official FAB website.
Tap or click on the ‘Loans’ section on the website.
You will find a list of all the available FAB personal loan plans and other types of loan plans there. This is where the FAB landlord loan will be visible.
Select the plan of your choice and tap on it to view all its relevant terms and conditions.
Click on the ‘Apply Now’ button for your preferred plan.
The bank may ask you for a few more details to proceed with your application.
The remaining part is the same as before, as you will be required to wait for a while for the bank to connect with you.
FAQs
Is salary transfer mandatory for getting FAB personal loans?
Yes, a salary transfer is mandatory for most FAB personal loans. However, the FAB bank also offers non-salary transfer personal loans although they are separate plans and must be checked by the applicant.
What is the prepayment policy at the FAB bank?
You can pre-pay your repayments partially or fully whenever you wish. However, you will have to pay a prepayment fee of 1.05% of the loan amount to the FAB bank.
What if I change my job while having a salary transfer loan at FAB?
If you change your employer, you should inform the bank as soon as possible as the approval of a salary transfer loan is solely based on the salary transfer from an approved employer.
Where can I contact FAB bank for help?
You can get in touch with their contact centres by dialling 600525500. If you wish, you can also drop an email to the bank stating your problem or visit a nearby branch and connect with an executive.
What if I don’t pay the EMIs of the loan?
If you cannot pay the instalments of your personal loan for a reason, you should discuss it with the bank to find a solution instead of avoiding the issue. The bank can levy late fees or even initiate legal action against you for not repaying the loan.
Moreover, while most personal loans are unsecured (without collateral), the bank can seize the collateral if there was any one mentioned in the plan at the time of purchase.
82 genuine reviews and ratings across our services.
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FAB Landlord Loans - Compare & Apply for FAB Landlord Loans in UAE. Check Interest rate, Eligibility, Document Requirement, Income,& more.
Much better than bank sitesCompared to individual bank websites, this one is much more user-friendly. I liked how I could browse and explore all the UAE personal loans and their rates and even approx instalments — everything out there on my screen!
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Support that actually helpsAs a newbie in finance, I had many doubts. The support team was truly helpful and responded in detail with patience. It was a big difference for me as for the first time I could apply for personal loans with zero doubts.
Saved me a lot of timeWith Paisabazaar.ae, I found everything in one place without getting confused between so many sites.
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