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  • Flat Loan Flat Loan
    • Description

      ​This service enables the client to obtain a non-profit loan amounting to (AED 750,000) in maximum to allocate a residential flat from the residential complexes projects which are under construction and being supervised by the Establishment for individuals, spouses and small families with less than 4 members

      Target Audience
      ​Emirate of Dubai' citizens of income between (AED 10,700 -  AED 100,000) have the right to apply to this service.
      Required Documents

      1. Filling the application form (Housing service application form)Download File
      2. Emirate ID copy (With original)
      3. Passport copy demonstrating the file number (with the original)
      4. Copy of the Family Book with the last page (With original)
      5. Passport copy of children demonstrating the file number (Only for widows, divorced women, and wives of non nationals)
      6. Declaration of the continuity of marital relationship recently issued and certified (Unless the wife is added to the family book/ or the application is in the name of the wife)
      7. Copy of the divorce certificate (Divorced women only)
      8. Proof  certificate of custody or supporting children (Issued recently, less than six months, for widows and divorced women only)
      9. Current proof of civil status for females 18 and above years old (Only for widows, divorced women, and wives of non nationals)
      10. Decree of Distribution Certificate (for widows and single women who has no supporter
      11. Recently issued salary certificate from the employer or any evidence of other incomes. Such as trade licenses provided that the client shall be an owner therein + commercial licenses account statement certified from entity of issuance (Issued recently, less than six months)
      12. certified employment contract from the General Pension and Social Security Authority and the Ministry of Human Resources & Emiratisation for the employees of the private sector (Issued recently, less than six months)
      13. Salary Certificate demonstrating the deceased person income (For widows only, Issued recently, less than six months)
      14. A recent certificate of financial obligations issued by the bank, to which the salary is transferred, in addition to any other creditor bank
      15. A bank statement for the last 6 months (For the private sector employees) and (3 months for the governmental sector employee)
      16. Copy of a valid rental contract or a proof of residence (If any)
      17. Certificate or copy of the previous grant sale demonstrating the value and date of sale (certified by Dubai Land Department / For Grant users)
      18. A letter demonstrating the reason of the disposition with the documents ( for grant users category) 
      19. Monthly income certificate for the husband of the national woman married to non-national.

      Submit a letter from the bank stating the IBAN No. to register in Mathkhor Program

      Terms And Conditions

      • She should be UAE national, holding passport and Family book issued from the Emirate of Dubai.
      • The salary of the borrower should not be less than (AED 10,700) and does not exceed AED 100,000.
      • The monthly deductions from his monthly income shouldn't exceed 70%
      • for the category of those who are married to a second wife:
      • He shall be married to the Second (National) wife for at least 3 years while he shall be married to the second (Non-National) wife for at least 5 years, provided that the age of the applicant does not exceed 60 years when applying for the service.
      •  The housing service obtained previously did not fulfill the requirements of his second wife family.
      • The second wife did not benefit from any housing services provided by any governmental, federal, or local authority.
      • The children of the second wife shall be registered in the family book.
      • She should be UAE national and holding passport and Family book issued from the Emirate of Dubai.
      •  The salary of the borrower should not be less than (AED 10,700) and does not exceed AED 100,000.
      • The monthly deductions from his monthly income shouldn't exceed 70%
      • Widow having 2 children or less, provided to prove her support for them under a judgment issued by the competent court.
      • Divorced woman having 2 children or less, provided to prove that they are under her custody under a judgment issued by the competent court.
      • The national wife who's married to non-national and does not have children.
      • She shall not be more than 60 years old when applying for the service.
      • She shall be married for no less than 5 years and her husband is not able to provide a proper house for her.
      • She shall has one child or more living with her and holding passports issued by the Emirate or holder of their father nationality and have a valid residency visa in UAE. 
      • To prove her permanent resident with her husband in UAE
      • There is no owned house for neither of the spouses in the country and the husband is not able to provide a proper house for her.
      • Applicant or spouse has not previously had a housing loan and a governmental house from any governmental authority whether federal or local.
      Service Fee لا يوجد
      Service Procedures
      Service Direct Contact
      Service Branches

      ​الكاونتر - التطبيقات الذكية

      Service Required Time
Last Modified 08/16/2018 11:17:20 AM


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