Dubai Islamic Bank Mortgage in the UAE
Dubai Islamic Bank home loan rates, eligibility & calculator — with 14-bank guide coverage and no client brokerage fee.
Dubai Islamic Bank (DIB) is the world's first full-service Islamic bank and a leader in Sharia-compliant home finance (Ijara). If you want Islamic financing, DIB is a natural shortlist candidate — but profit rates and terms vary, so it's worth comparing DIB against other Islamic and conventional options.
Dubai Islamic Bank home finance at a glance
Verified pricing plus current public product criteria, before the bank assesses your file.
| Indicative starting profit rate | From ~3.95% p.a. from Mortgease’s latest verified broker pricing; final offer controls. |
|---|---|
| Minimum income & residency | DIB does not publish one universal minimum income for MyHome. UAE-resident products are available across all seven emirates; a separate non-resident programme is advertised. |
| Salary transfer | Not mandatory for MyHome. Salary-transfer customers may receive different pricing or margins. |
| Fixed period & reversion | Fixed-profit options include 3 or 5 years. After an introductory fixed period, the finance reverts to a variable profit rate: the agreed margin plus the chosen 3-, 6- or 12-month EIBOR review option. |
| Key fees | Residential Ijara processing/due-diligence/documentation fee: 1.05% (minimum AED 5,250; maximum AED 105,000). Published valuation: AED 2,500 outside the Northern Emirates or AED 3,000 in the Northern Emirates. Product/campaign exceptions may apply. |
| Self-employed & non-resident | A low-document self-employed programme and selected non-resident home-finance options are advertised; eligibility, LTV and documentation are assessed case by case. |
Public-product facts checked against DIB’s MyHome page, home-finance overview and schedule of charges. Public criteria can change; Mortgease verifies the final bank offer before you proceed.
Is DIB actually the best fit for your case?Compare the rate, reversion margin, fees and approval appetite within our 14-bank coverage.
Review this bank for my profile →Indicative rate — we confirm Dubai Islamic Bank's current indicative rate for your profile, free.
Why get your Dubai Islamic Bank mortgage through Mortgease?
- We compare Dubai Islamic Bank against relevant routes within our 14-bank coverage — so you only take it if it's a suitable fit for your profile.
- with no client brokerage fee to you — a lender may pay Mortg Ease a commission on completion; bank and third-party charges can still apply.
- One senior advisor handles your file end to end; bank pre-approval often takes 2–5 working days once documents are complete.
Dubai Islamic Bank mortgage policy updates
What actually changed at Dubai Islamic Bank, and when. These are written up from the broker circulars we receive, not from the bank’s public pages — so they cover the criteria changes that never get announced.
- DIB extends Q3 2026 pricing — 3.95% fixed (3-year) held, Q3 EIBOR reference drops (6 July 2026)
6 July 2026 — Dubai Islamic Bank has extended its Home Finance profit rates into Q3 2026 — holding the 3-year fixed at 3.95% for salary-transfer, Nest and buyout customers — and set its quarterly 3-month… - Dubai Islamic Bank announces 3.95% fixed for 3 years — no salary transfer required (2 July 2026)
2 July 2026 — Dubai Islamic Bank has announced a 3.95% fixed rate for 3 years with no salary transfer required — plus equity release of up to AED 500,000 paid directly into the customer’s account. - DIB tightens industry-category policy: hospitality and travel paused; airline FTV capped at 70% (Emirates Airlines exempted)
9 May 2026 — Dubai Islamic Bank (DIB) has revised its industry-segmentation policy for mortgage applications — pausing approvals for Hotel, Travel and Tourism sector employees; capping FTV at 70% for…
All UAE mortgage policy updates →
Dubai Islamic Bank mortgage FAQs
Is Dubai Islamic Bank home finance Sharia-compliant?
What are DIB's home finance rates?
Can expats and non-residents get DIB home finance?
How do I apply for DIB home finance?
Dubai Islamic Bank guides: Mortgage calculator → · Mortgage buyout → · Self-employed mortgage →
Full mortgage calculator → · Check your eligibility → · All bank guides →
Compare with other UAE banks
Not sure which bank fits your profile? See current UAE mortgage rates, check your eligibility, work out your DBR or estimate your monthly payment — then we review relevant lender routes with no client brokerage fee.