CBD raises fixed mortgage rates by 0.25%, keeping its three-year salary-transfer rate at 3.99%
CBD (Commercial Bank of Dubai) has revised its mortgage pricing for applications submitted from 15 November 2026 to 31 December 2026. All fixed rates rise by 0.25% except the three-year rate with a salary transfer, which stays at 3.99%.
The new fixed rates: completed properties
| Customer | 1-year fixed | 3-year fixed | 5-year fixed |
|---|---|---|---|
| Salary transfer | 5.39% | 3.99% | 4.69% |
| No salary transfer | 5.49% | 4.74% | 5.09% |
| Self-employed | 5.29% | 5.24% | 5.24% |
| Non-resident | 5.74% | 5.74% | 5.74% |
Refinance cases across all fixed terms and customer types are priced 0.10% higher, except BAF loans. To get the salary-transfer rate, the customer must provide a salary assignment letter from the employer and complete the salary transfer to CBD within 60 days of disbursement; otherwise the rate without a salary transfer applies.
Introductory rates for completed properties, all channels, for applications submitted from 15 November 2026 to 31 December 2026. Other pricing, fees and product features are unchanged. CBD’s eligibility assessment and offer letter control.
Simpler paperwork
- Low-document self-employed: only the trade licence showing ownership and line of business is required; two to three years of trade licence history is needed for the higher 65% loan-to-value.
- Audited financials are now required only for loans above AED 15 million.
- Full-documentation self-employed: 12 months of personal bank statements are no longer required; 12 months of company statements still are.
- Company and HR verification calls are waived for residents and non-residents; customer verification continues.
What this means if you are comparing banks
CBD’s three-year salary-transfer rate is unchanged at 3.99%, while its one- and five-year rates, the rates without a salary transfer and the self-employed rates are now higher. Against our September pricing, its three-year rate without a salary transfer moves from 4.24% to 4.74% and its three-year self-employed rate from 4.64% to 5.24%. Mortgease compares CBD with the rest of our panel of 18+ UAE banks and works out the cost for your case before anything is submitted.
See the CBD mortgage guide, use the CBD calculator, or review the latest UAE mortgage rates.