Loans (Baitna)

Come home to your dreams through UBL Baitna - Makey our dreams a reality

Life in the fast lane in Downtown to leisure and comfort in the suburbs .... UBL Baitna has it all covered for you.

The Baitna Advantage

Finance facility offered for all free hold ready properties with Title Deed in Dubai.

  • Loan value up to AED 10 Million
  • Loan to Value (LTV) up to 75% for UAE Nationals and 65% for expatriates (Salaried & Self Employed)
  • Competitive and transparent interest rates linked to 3 month EIBOR
  • Low Processing fees
  • Repayment period of up to 25 years
  • Comprehensive product suite, i.e. Standard, Buyout, Non-Resident, Refinance of existing property and Equity Release
  • Inclusion of other sources of income for loan entitlement calculation (subject to approval)
  • Salary transfer is not mandatory


  • Residents and Non-residents Individuals
  • Salaried: Minimum salary of AED 20,000 p.m.
  • Self-Employed: Minimum income of AED 500,000 p.a.
  • Baitna – Mortgage Loans are approved at the sole discretion of the Bank.
  • For fees and charges, please refer to the Schedule of Charges.

*Terms and conditions apply
For further information, please call UBL Phone Banking on 600 533335 (within UAE) or +971 600 533335 (outside UAE) or visit any UBL branch.