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    • Apply for housing land
    • Apply for housing grant
    • Apply for Housing construction grant
    • Apply for housing Maintenance, Addition or Replacement (partial / whole) grant
    • Apply for apartment grant
    • Apply for a housing construction request on a relative’s land
  • Loans
    • Apply for Housing loan
    • Apply for housing construction loan
    • Apply for housing purchase
    • Apply for housing Maintenance, Addition or Replacement (partial / whole) loan
    • Apply for housing unit loan from local market
    • Apply for housing unit rent
  • Complementary Services
    • Change Service from Housing purchase Loan to Housing Construction Loan
    • Cancel Approved Grant / Loan Application (under consideration)
    • Cancel In Progress Application (Grant / Loan)
  • To Whom It May Concern
  • Request For One Year Maintenance
  • Facilitation Program
  • Payment of Arrears of Installments Due
  • Apply For Early settlement
  • Apply For Liability Letter
  • Apply For Reducing the loan value
  • Apply For Update Customer Data
  • Self Financing Reward "Awad"
  • Business Services
    • Apply For Opening File for New Project
    • Apply For First Payment
    • Apply For Running Payment
    • Apply For Retention Payment
    • Apply For Final Payment
    • Apply For Disbursement of construction loan payments / financial aid grant payments 750 thousand
    • Apply For Housing Maintenance, Addition and Replacement loan payments
    • Apply For To Whom It May Concern Letter for projects with percentage of achievement
    • Apply For Termination and suspension of current contractor
    • Apply For Letter Requesting Discount Price
  • Suppliers and Contractor
    • Suppliers Registration Services
    • Classification and the Nomination Guide for Suppliers
    • Supplier and Contractor Evaluation
  • Application Status
  • Housing Maintenance Status
  • Loan Calculator
  • Housing Cost Calculator
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Apply for Housing loan



Description This service allows the customer to obtain a non-profit loan of a maximum value of (750,000) dirhams for the purpose of allocating ready housing within the housing complex projects that are supervised by the establishment.
Client
Fill out form
Organization
Checking the request while reviewing thedata and making sure the terms match
Committee
Recommendation of the Competent Committee
Reject request
Approve the request
further study
Board of Directors
Adopting the decision and informing theclient
Client
Implementation of the Housing ServiceDecision
Icon
Target Audience Dubai citizens with income of (15,000 -100,000 AED) can apply.​​
Service Fee There are no fees for this service.
Service Channels Customer Happiness Center (Senior Emiratis & People of Determination), Website and Smart app
  • General Terms Icon Terms And Conditions
    1. Citizen of the country and holds a passport & civil record issued by Dubai emirate
    2. Applicant or spouse has not previously had any housing loan or gov. housing from any gov entity federal or local.
    3. Not less than 21 years of age.
    4. Not more than 60 years of age
    5. Applicant’s monthly income is more than 15,000 dirhams and does not exceed 100,000 dirhams.
    6. The percentage of monthly deductions shall not exceed 70%
    7. The approval is considered null if the borrower fails to complete the documents and procedures required to disburse the loan within a maximum period of 730 days (two years) from the date of approval, and an application to reserve a residence is excluded from this period and has not been allocated a residence by the MBRHE.
    8. Any other conditions determined by the Board of Directors.

     

Select Gender Requirement varies from gender and civil status

male_char Male
female_chat Female
  • Single
  • Married
  • Married 2nd Wife Local
  • Married 2nd Wife Non-Local
  • Divorced
  • Widowed
  • entry-icon 8 Terms And Conditions
    1. Existence of a housing problem
    2. All of what is stated in the general conditions
  • entry-icon 9 Required Documents (Electronic)

    1.   A financial ability certificate of not less than 500,000 dirhams.

  • entry-icon 10 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • entry-icon11 Customer Journey
    Step 01 - Select Housing Service
    GETTING A READY HOUSE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Ready House Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • entry-icon12 Terms And Conditions
    • All of what is stated in the general conditions
  • entry-icon13 Required Documents (Electronic)

    1.     A recent certificate of continuity of marriage not exceeding 6 months from the date of its issuance (if the wife was not added to the family book / or if the application was in the wife's name)

    2.   A financial ability certificate of not less than 500,000 dirhams.

  • entry-icon14 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • entry-icon16 Customer Journey
    Step 01 - Select Housing Service
    GETTING A READY HOUSE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Ready House Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • entry-icon17 Terms And Conditions
    1. All of what is stated in the general Conditions
    2. Married for 3 years or more
    3. Has a son and more
    4. Failed to meet the first housing service to the need of his second family.
    5. The wife does not benefit from any federal or local housing service.
    6. Register all children of the second wife in the Family Book.
    7.  Availability of the husband's financial ability
    8. No housing unit owned by any of the spouses in the state.
    9. Issuance of a technical report on the possibility of building on the land or not (by the MBRHE)
  • entry-icon18 Required Documents (Electronic)

    1.     A recent certificate of continuity of marriage not exceeding 6 months from the date of its issuance (if the wife was not added to the family book / or if the application was in the wife's name)

    2.   A financial ability certificate of not less than 500,000 dirhams.

  • entry-icon19 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • entry-icon20 Customer Journey
    Step 01 - Select Housing Service
    GETTING A READY HOUSE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Ready House Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • entry-icon21 Terms And Conditions
    1.  All of what is stated in the general conditions 
    2. Married to a non-citizen for 5 years or more,
    3. has two children or more
    4. Registration all sons of the second wife in the Family book
    5. Failed to meet the first housing service to the need of his second family, Issuing a technical report on the possibility of building on the ground (by the Est.)
    6. No housing unit owned by any of the spouses in the country.
    7.  Availability of the husband's financial ability
    8. The issuance of a technical report on the possibility of building on the land (by the institution)

     

  • entry-icon22 Required Documents (Electronic)

    1.     A recent certificate of continuity of marriage not exceeding 6 months from the date of its issuance (if the wife was not added to the family book / or if the application was in the wife's name)

    5.   A financial ability certificate of not less than 500,000 dirhams.

  • entry-icon23 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • entry-icon24 Customer Journey
    Step 01 - Select Housing Service
    GETTING A READY HOUSE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Ready House Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • entry-icon25 Terms And Conditions

    1.     All of what is stated in the general conditions

  • entry-icon26 Required Documents (Electronic)

    1.   A financial ability certificate of not less than 500,000 dirhams.

  • entry-icon27 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • entry-icon28 Customer Journey
    Step 01 - Select Housing Service
    GETTING A READY HOUSE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Ready House Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • entry-icon29 Terms And Conditions

    1. All of what is stated in the general conditions

  • entry-icon30 Required Documents (Electronic)

    1.   A financial ability certificate of not less than 500,000 dirhams.

    2. succession certificate.

  • entry-icon31 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • entry-icon32 Customer Journey
    Step 01 - Select Housing Service
    GETTING A READY HOUSE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Ready House Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Single
  • Married from GGC
  • Married Non-Local
  • Divorced
  • Widowed
  • entry-icon37 Terms And Conditions
    1.  All of what is stated in the general conditions
    2. Married for at least 5 years.
    3. Has a son and more residing with her
    4. Proof of permanent residency with children inside the country
    5. Children obtain a passport issued by the emirate or the nationality of their father
    6. The husband's inability to provide suitable housing.
    7. Proof of permanent residence with the husband in the country.
    8. The issuance of a technical report on the possibility of building on the land (by the MBRHE)
     

     

  • entry-icon38 Required Documents (Electronic)

    1.   A recent certificate of continuity of marriage not exceeding 6 months from the date of its issuance.

    2.   A financial ability certificate of not less than 500,000 dirhams.

  • entry-icon39 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • entry-icon40 Customer Journey
    Step 01 - Select Housing Service
    GETTING A READY HOUSE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Ready House Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Icon5 Terms And Conditions

     

    1. She has 3 children or more in her nursery and they live with her

    2. All what is mentioned in the general conditions.

  • Icon6 Required Documents (Electronic)

    1.    Current proof of civil status does not exceed 6 months and only for those who do not receive a subsidy from the Ministry of Community Development.

    2.     Proof certificate of custody or supporting children

    3.   A financial ability certificate of not less than 500,000 dirhams.

  • Icon7 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • icon8 Customer Journey
    Step 01 - Select Housing Service
    GETTING A READY HOUSE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Ready House Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Icon9 Terms And Conditions

    1. Has 3 children or more in her nursery and they live with her

    2. All what is mentioned in the general conditions.

  • Icon10 Required Documents (Electronic)

    1.    Current proof of civil status does not exceed 6 months and only for those who do not receive a subsidy from the Ministry of Community Development.

    2     Succession certificate.

    3.    Proof certificate of custody or supporting children.

    4.    A financial ability certificate of not less than 500,000 dirhams.

  • Icon11 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Icon12 Customer Journey
    Step 01 - Select Housing Service
    GETTING A READY HOUSE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Ready House Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Icon13 Terms And Conditions
  • Icon16 Customer Journey
    Step 01 - Select Housing Service
    GETTING A READY HOUSE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Ready House Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
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