Ajman Bank Mortgage Review UAE 2026
Ajman Bank provides mortgage solutions in the UAE with competitive rates and flexible terms.
Ajman Bank Mortgage Rates (2026)
| Rate Type | Rate | Notes |
|---|---|---|
| Fixed Rate (3-year STL) | From 3.99% p.a. | Loan > AED 3.5M; valid to 31 July 2025 |
| Variable Rate (EIBOR-linked) | EIBOR + 1.59% STL (floor 3.99%) | Follow-on rate |
Ajman Bank Fees & Terms
| Fee / Term | Details |
|---|---|
| Processing Fee | 1.0% of loan amount (min AED 5,000) |
| Early Settlement Fee | 1.0% of outstanding balance (max AED 10,000) |
| Maximum Loan Tenure | 25 years |
| Conventional Mortgage Available | No |
| Islamic / Sharia Finance Available | Yes |
Ajman Bank Mortgage Eligibility
| Criteria | Requirement |
|---|---|
| Minimum monthly salary | AED 20,000/- (Fixed salary) **AED 15k to AED 20k on exception (No deviaiton if salary < AED 15k) Joint applicants: 1st applicant: AED 15,000/- 2nd applicant: AED 5,000/- |
| Minimum employment tenure | Local - 3 months + confirmation Expat - 6 months (In total the client should have minimum 1 year LOS in UAE combined & minimum 6 months in the current job) Previous Employment if LOS is less and profile |
| Maximum age at maturity | 65 years |
| Maximum loan tenure | 25 years |
| Minimum loan amount | AED 350,000/- |
| Maximum loan amount | AED 10,000,000/- (Above AED 10Mn - deviation) |
Best For
Borrowers seeking Ajman Bank mortgage products in UAE
About Ajman Bank
| Detail | Information |
|---|---|
| Established | 2008 |
| Headquartered | Ajman, UAE |
| Total Assets | AED 12 billion+ |
| Product Type | Islamic (Sharia-compliant) |
Frequently Asked Questions
What are the current Ajman Bank profit rates?
Ajman Bank's current rate: 4.05% for 3-year fixed (self-employed; valid till Oct 2025). Variable rate post-period: EIBOR + 1.69% — among the lowest EIBOR margins in the UAE.
Does Ajman Bank cover properties outside Ajman?
Yes — Ajman Bank can finance properties in other emirates, though its primary strength is in the northern emirates. Contact Mortigo to confirm coverage for your specific property.
Compare live mortgage rates from Ajman Bank and all major UAE banks at our UAE Mortgage Rates page — updated daily.
Compare Ajman Bank with Other Lenders
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Also see: All UAE Banks | Bank Comparisons | Mortgage Calculator
Ajman Bank Mortgage Rates (2026)
Rates are indicative as of 2026 and subject to individual bank credit assessment. Contact Mortigo for personalised rate quotes.
Pros & Cons
Pros
Cons
Ajman Bank Mortgage FAQs
What are the current Ajman Bank profit rates?
Ajman Bank's current rate: 4.05% for 3-year fixed (self-employed; valid till Oct 2025). Variable rate post-period: EIBOR + 1.69% — among the lowest EIBOR margins in the UAE.
Does Ajman Bank cover properties outside Ajman?
Yes — Ajman Bank can finance properties in other emirates, though its primary strength is in the northern emirates. Contact Mortigo to confirm coverage for your specific property.
Eligibility Criteria
Best For
Borrowers seeking Ajman Bank mortgage products in UAE