Compare CBD home loans
Commercial Bank of Dubai is on our panel. CBD Al Islami is the Islamic name buyers use for the same group. A CBD offer is CBD's document. This page explains how we compare it. It does not quote CBD's rate.
A&A Mortgage Services is the name we use for Mortgage Broker LLC.
A&A Mortgage Services is an independent mortgage broker, provided by Mortgage Broker LLC. We are not Commercial Bank of Dubai and we are not affiliated with Commercial Bank of Dubai. We are not a bank. If a loan is approved, the lender provides it. Nothing on this page is that bank's rate, and nothing here is an offer.
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How a CBD comparison works
We take the same facts to more than one lender: the price or budget, the deposit, whether you live in the UAE, how you are paid, and whether the home is ready or off-plan.
What comes back is a set of offers, or a set of refusals. A headline rate is only one line of that. Salary transfer, the arrangement fee, the fixed period and the early settlement cost all change what you pay.
The advice from A&A Mortgage Services is free of charge to you. We work with every major UAE lender, on your behalf. The bank still decides.
What actually changes the cost
Compare the fixed period, the margin that applies afterwards, any salary-transfer condition, the arrangement fee and the cost of leaving early. The lowest starting rate is not automatically the cheapest loan.
The Central Bank of the UAE caps the loan-to-value. For a first home you live in, the ceiling is 85% for a UAE national and 80% for an expatriate when the property is AED 5 million or under, and 75% or 70% when it is above that. A second home or an investment property is capped at 65% for a UAE national and 60% for an expatriate. Off-plan purchases are capped at 50% for every buyer. These are ceilings. A bank can ask for a larger deposit.
Questions
No. A&A Mortgage Services is an independent mortgage broker, provided by Mortgage Broker LLC. We are not Commercial Bank of Dubai and we are not affiliated with Commercial Bank of Dubai. We are not a bank. If a loan is approved, the lender provides it. Nothing on this page is that bank's rate, and nothing here is an offer.
We do not state CBD's rate. Rates move, and a number on this page would be presented as fact when it is not an offer from Commercial Bank of Dubai. Ask an adviser for the figure CBD will put in writing.
Yes. CBD is one of the major UAE lenders we work with. We put the same facts to CBD and to the other lenders on the panel, then explain the differences in dirhams.
The Central Bank of the UAE caps the loan-to-value. For a first home you live in, the ceiling is 85% for a UAE national and 80% for an expatriate when the property is AED 5 million or under, and 75% or 70% when it is above that. A second home or an investment property is capped at 65% for a UAE national and 60% for an expatriate. Off-plan purchases are capped at 50% for every buyer. These are ceilings. A bank can ask for a larger deposit.