CBD repricing lands 24 August — salary-transfer 3-year fixed at 3.99%, self-employed cut to 4.64% (21 August 2026)
Commercial Bank of Dubai has issued a revised mortgage pricing grid that applies to applications submitted from 24 August 2026 and runs to 30 September 2026. The headline salary-transfer 3-year fixed holds at 3.99%, while the two segments that usually pay most — non-salary-transfer and self-employed — both come down.
The new grid, completed properties
| Segment | 1-year fixed | 3-year fixed | 5-year fixed |
|---|---|---|---|
| Salary transfer | 4.89% | 3.99% | 4.19% |
| Non-salary transfer | 4.99% | 4.24% | 4.59% |
| Self-employed / low docs | 5.04% | 4.64% | 4.59% |
| Non-resident | 5.49% | 5.49% | 5.49% |
| BAF loans for individuals | 5.80% | 5.25% | — |
Advertised rates for completed properties, from the broker circular dated 19 August 2026. Effective 24 August 2026, expiring 30 September 2026.
What actually changed
- Non-salary transfer 3-year fixed drops to 4.24%. That is the segment for anyone who cannot or will not move their salary, and it is where CBD had been least competitive.
- Self-employed and low-docs 3-year fixed moves to 4.64%. Worth knowing if you have been quoted in the high fours elsewhere on a business-owner file.
- Everything else — fees, charges, product features — is unchanged.
Two conditions that cost real money
Refinance is priced 10 bps higher across every fixed term and every segment, excluding BAF loans. So a salary-transfer buyout on the 3-year fixed is 4.09%, not 3.99%. If you are comparing a switch against your current rate, use the loaded number.
The salary-transfer rate is conditional. CBD requires a valid salary assignment letter from your employer and the salary transfer completed within 60 days of disbursement. Miss that window and the non-salary-transfer grid applies — on the 3-year fixed that is 25 bps more, for the rest of the term. It is the kind of condition that gets skimmed at offer stage and noticed a year later.
Where this sits in the market
At 3.99% on a 3-year fixed, CBD is competitive rather than market-leading — several banks sit at or below that today. The more interesting number is 4.64% for self-employed, which is sharp for that segment. See the self-employed comparison for where that lands against the rest, and the CBD page for eligibility and fees.
If you are switching rather than buying, the buyout guide covers the break-even, and remember the 10 bps refinance loading above.