DIB extends Q3 2026 pricing — 3.95% fixed (3-year) held, Q3 EIBOR reference drops (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 EIBOR reference at 3.63%, a favourable reset for variable-stage customers. The circular also flags a policy change for Emirates airline staff.

Q3 2026 pricing (extended)

• After the fixed period, pricing is 3-month EIBOR + margin.
• DIB’s 3-month EIBOR reference for the coming quarter: 3.63158% — the rate DIB will apply at its quarterly reset (the daily CBUAE market fixing stands at ~3.86% as of 7 July; DIB’s quarterly reference works in customers’ favour this quarter).
• The circular also notes a policy change regarding Emirates airline staff — contact us for how it affects Emirates Group applicants.

What it means for borrowers

• Stability through Q3: DIB holding 3.95% keeps one of the sharpest 3-year fixed rates in the market on the table all quarter — useful if your purchase completes over the summer.
• The quarterly EIBOR reference matters: a 3.63% reset base plus DIB’s low floors (from 1.00% for salary transfer) makes DIB’s post-fixed pricing among the most competitive we track — a real consideration for buyout and equity release cases, both of which this pricing covers.
• Self-employed now priced explicitly: 4.10% fixed for 3 years with a 1.75% floor gives SE applicants a clear DIB benchmark to compare against.

We’ll confirm DIB’s terms for your exact case and compare across 15+ banks — free. See current UAE mortgage rates.