Commercial Bank of Dubai Mortgage Review UAE 2026
Commercial Bank of Dubai (CBD) is a mid-tier UAE bank that consistently offers competitive mortgage rates, often undercutting the larger banks on pricing. With a minimum salary requirement of just AED 10,000, CBD is accessible to a wider range of borrowers than Emirates NBD or ADCB. CBD is particularly focused on Dubai properties and salaried employees at established companies. While CBD's product range is not as broad as the megabanks, its mortgage offering is solid for straightforward home purchases.
CBD Mortgage Rates (2026)
| Rate Type | Rate | Notes |
|---|---|---|
| Fixed Rate (1-year) | From 3.69% p.a. | |
| Fixed Rate (3-year) | From 3.99% p.a. | |
| Fixed Rate (5-year) | From 4.29% p.a. | Long-term rate security |
| Variable Rate (EIBOR-linked) | EIBOR + 1.79% (LTV>50%) | Follow-on rate |
| Fixed Rate (1-year STL) | From 4.89% p.a. | STL; effective Dec 2025 |
| Fixed Rate (3-year STL) | From 3.99% p.a. | STL; effective Dec 2025 |
| Fixed Rate (5-year STL) | From 4.19% p.a. | STL; effective Dec 2025 |
CBD 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 |
CBD Mortgage Eligibility
| Criteria | Requirement |
|---|---|
| Minimum monthly salary | AED 12,000 Expats, AED 40,000 UAE National (Fixed Salary) (Joint applicants: Main Borrower: AED 12k + Co-borrower: No minimum requirement) Conditions for UAE Nationals: 1. Dubai > AED 40k, Abu Dhabi > AED 50k & MOD > AED 60k). 2. LOS > 10 years 3. Government company Income Variance Policy: For income variations over 10%, the bank will require 6 months’ salary history to determine the final assessed income. This applies to the addback of any variable components as well. |
| Minimum age | 21 years |
| Maximum age at maturity | UAE National: 70 years Expats: 70 years - subject to max age at entry of 55 years and salary > AED50K For others: 65 years Conditions for 70 years: Employment / salary letter confirming retirement age at 70 years or mentions no retirement age Or Savings / Investments / Assets (Worldwide) up to 50% of the loan value. |
| Maximum LTV (expats) | 75% |
| Maximum LTV (UAE nationals) | 80% |
| Minimum employment tenure | 1. 3 months with confirmation + experience letter from previous employer required. 2. If LOS is more than 6 months & confirmed then just previous work experience details will be required in the application form. - Total of 2 years work experience info required. 3. New to UAE - 35k salary - 1 salary credit / Down payment / Previous experience & bank statement 4. If LOS in UAE is above 2 years, current job confirmation is not required |
| Maximum loan tenure | 25 (minimum Tenor 3 years) |
| Minimum loan amount | 250000 |
| Maximum loan amount | 25000000 |
| AECB credit score | 541 - However if the score is a bit low and proper justification to be provided then exceptional approval can be requested |
CBD Pros
- Lower minimum salary (AED 10,000) — more accessible to moderate earners
- Competitive rates as a mid-tier bank seeking to compete with larger lenders
- Self-employed applicants considered
- Strong Dubai property coverage
CBD Cons
- Primarily focused on Dubai properties — limited coverage in northern emirates
- Product range less comprehensive than ENBD or FAB
- Slower mortgage processing than Mashreq
Best For
Moderate-income earners (AED 10,000-15,000/month) buying Dubai property who want competitive rates
About Commercial Bank of Dubai
| Detail | Information |
|---|---|
| Established | 1969 |
| Headquartered | Dubai, UAE |
| Total Assets | AED 90 billion+ |
| Product Type | Conventional & Islamic |
Frequently Asked Questions
What is the minimum salary for a CBD mortgage?
CBD accepts a minimum monthly salary of AED 10,000 — lower than Emirates NBD and ADCB. This makes it suitable for a wider range of salaried applicants.
Are CBD mortgage rates competitive?
CBD's rates are competitive for a mid-tier bank, starting from 3.69% for 1-year fixed. While not quite as low as Emirates NBD, CBD offers a good balance of accessibility and competitive pricing.
Does CBD cover properties outside Dubai?
CBD primarily focuses on Dubai properties. Coverage of northern emirates or Abu Dhabi is more limited — Mortigo can check specific property eligibility.
Can I self-employed get a CBD mortgage?
Yes, CBD does consider self-employed applicants, though approval criteria may vary. Typically 2+ years of trading history with audited financials is required.
Compare live mortgage rates from CBD and all major UAE banks at our UAE Mortgage Rates page — updated daily.
Compare CBD with Other Lenders
Use Mortigo to compare Commercial Bank of Dubai against 15+ UAE banks. Apply once and get matched with your best mortgage offer. Apply now.
Also see: All UAE Banks | Bank Comparisons | Mortgage Calculator
Commercial Bank of Dubai (CBD) Mortgage Review
Commercial Bank of Dubai (CBD) is a mid-tier UAE bank that consistently offers competitive mortgage rates, often undercutting the larger banks on pricing. With a minimum salary requirement of just AED 10,000, CBD is accessible to a wider range of borrowers than Emirates NBD or ADCB. CBD is particularly focused on Dubai properties and salaried employees at established companies. While CBD's product range is not as broad as the megabanks, its mortgage offering is solid for straightforward home purchases.
CBD 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
CBD Mortgage FAQs
What is the minimum salary for a CBD mortgage?
CBD accepts a minimum monthly salary of AED 10,000 — lower than Emirates NBD and ADCB. This makes it suitable for a wider range of salaried applicants.
Are CBD mortgage rates competitive?
CBD's rates are competitive for a mid-tier bank, starting from 3.69% for 1-year fixed. While not quite as low as Emirates NBD, CBD offers a good balance of accessibility and competitive pricing.
Does CBD cover properties outside Dubai?
CBD primarily focuses on Dubai properties. Coverage of northern emirates or Abu Dhabi is more limited — Mortigo can check specific property eligibility.
Can I self-employed get a CBD mortgage?
Yes, CBD does consider self-employed applicants, though approval criteria may vary. Typically 2+ years of trading history with audited financials is required.
Eligibility Criteria
Best For
Moderate-income earners (AED 10,000-15,000/month) buying Dubai property who want competitive rates