Arab Bank Mortgage Review UAE 2026
Arab Bank offers conventional mortgages in the UAE with a current 2-year fixed rate from 4.25% and 3-year from 4.40% (Ramadan campaign extended to 30 April 2026). Variable rate is 6-month EIBOR + 2.50% with a floor rate of 3.99%. Arab Bank is a Jordan-headquartered international bank with strong presence across MENA.
Arab Bank Mortgage Rates (2026)
| Rate Type | Rate | Notes |
|---|---|---|
| Fixed Rate (2-year STL) | From 3.78% p.a. | STL; Ramadan campaign extended to 30 April 2026 |
| Fixed Rate (3-year STL) | From 3.95% p.a. | STL; extended Ramadan campaign |
| Variable Rate (EIBOR-linked) | EIBOR + 1.89% STL (floor 3.24%) | Follow-on rate |
Arab 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 | Yes |
| Islamic / Sharia Finance Available | No |
Arab Bank Mortgage Eligibility
| Criteria | Requirement |
|---|---|
| Minimum monthly salary | 20,000 (STL Expat & Employer needs to be listed) 25,000 (NSTL Expat) 15,000 (NSTL Arab Nationals) Joint Applicants: Main applicant should meet the salary criteria / Co-applicant - No Salary criteria however, Employer has to be listed if the salary criteria is not met |
| Minimum employment tenure | Arabs: 6 months in current employment or confirmed with 1 year UAE experience Non Arabs: 1 year with Current Employer OR confirmed with 3 years UAE experience |
| Maximum age at maturity | 65 years |
| Maximum loan tenure | 25 years |
| Minimum loan amount | 200000 |
| Maximum loan amount | 7,300,000 (by exception can go up to AED 30Mn) |
| AECB credit score | Minimum score 600 |
Best For
Borrowers seeking MENA-connected banking relationships
About Arab Bank
| Detail | Information |
|---|---|
| Established | 1930 |
| Headquartered | Amman, Jordan (UAE branch) |
| Total Assets | USD 65 billion+ (Group) |
| Product Type | Conventional |
Frequently Asked Questions
What are the current Arab Bank mortgage rates?
Arab Bank's current mortgage rates include 2-year fixed from 4.25% and 3-year from 4.40% (Ramadan campaign extended to 30 Apr 2026). Variable rate is 6-month EIBOR + 2.50%, with a floor rate of 3.99%.
Is Arab Bank suitable for UAE property purchase?
Yes — Arab Bank operates as a conventional lender in the UAE and is suitable for property purchases in Dubai and other emirates. Their MENA banking network makes them a good choice for Arab-origin expats.
What are the current Arab Bank mortgage rates?
Arab Bank's current mortgage rates include 2-year fixed from 4.25% and 3-year from 4.40% (Ramadan campaign extended to 30 Apr 2026). Variable rate is 6-month EIBOR + 2.50%, with a floor rate of 3.99%.
Is Arab Bank suitable for UAE property purchase?
Yes — Arab Bank operates as a conventional lender in the UAE and is suitable for property purchases in Dubai and other emirates. Their MENA banking network makes them a good choice for Arab-origin expats.
Compare live mortgage rates from Arab Bank and all major UAE banks at our UAE Mortgage Rates page — updated daily.
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Arab Bank Mortgage Review
Arab Bank offers conventional mortgages in the UAE with a current 2-year fixed rate from 4.25% and 3-year from 4.40% (Ramadan campaign extended to 30 April 2026). Variable rate is 6-month EIBOR + 2.50% with a floor rate of 3.99%. Arab Bank is a Jordan-headquartered international bank with strong presence across MENA.
Arab 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
Arab Bank Mortgage FAQs
What are the current Arab Bank mortgage rates?
Arab Bank's current mortgage rates include 2-year fixed from 4.25% and 3-year from 4.40% (Ramadan campaign extended to 30 Apr 2026). Variable rate is 6-month EIBOR + 2.50%, with a floor rate of 3.99%.
Is Arab Bank suitable for UAE property purchase?
Yes — Arab Bank operates as a conventional lender in the UAE and is suitable for property purchases in Dubai and other emirates. Their MENA banking network makes them a good choice for Arab-origin expats.
What are the current Arab Bank mortgage rates?
Arab Bank's current mortgage rates include 2-year fixed from 4.25% and 3-year from 4.40% (Ramadan campaign extended to 30 Apr 2026). Variable rate is 6-month EIBOR + 2.50%, with a floor rate of 3.99%.
Is Arab Bank suitable for UAE property purchase?
Yes — Arab Bank operates as a conventional lender in the UAE and is suitable for property purchases in Dubai and other emirates. Their MENA banking network makes them a good choice for Arab-origin expats.
Eligibility Criteria
Best For
Borrowers seeking MENA-connected banking relationships