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  • Complementary Services
    • Change Service from Housing purchase Loan to Housing Construction Loan
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  • Self Financing Reward "Awad"
  • Business Services
    • Apply For Opening File for New Project
    • Apply For First Payment
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    • Apply For Disbursement of construction loan payments / financial aid grant payments 750 thousand
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Apply for housing unit loan from local market



Description ​This service enables the client to obtain a non-profit loan amounting to (AED 750,000) in maximum to allocate a ready house from the residential complexes projects which are under construction and being supervised by the Establishment with no charge
Client
Fill out form
Organization
Checking the request while reviewing thedata and making sure the terms match
Committee
Recommendation of the Competent Committee
Reject request
Approve the request
further study
Board of Directors
Adopting the decision and informing theclient
Client
Implementation of the Housing ServiceDecision
Icon
Target Audience Emirate of Dubai' citizens of income between (AED 15,000 - AED 100,000) have the right to apply to this service.​
Service Fee There are no fees for this service.
Service Channels Customer Happiness Center (Senior Emiratis & People of Determination), Website and Smart app
  • General Terms Icon Terms And Conditions
    1. Citizen of the country and holds a passport & civil record issued by Dubai emirate.
    2. Applicant or spouse has not previously had any housing loan or gov. housing from any government entity federal or local.
    3. The applicant must be at least 21 years of age
    4. The age of the applicant shall not be more than 60 years
    5. Monthly income is higher than 15,000 dirhams and does not exceed 100,000 dirhams.
    6. To be dependent
    7. The percentage of monthly deductions in addition to the institution's share shall not exceed 70%
    8. Any other conditions determined by the Board of Directors.

     

Select Gender Requirement varies from gender and civil status

male_char Male
female_chat Female
  • Single
  • Married
  • Married 2nd Wife Local
  • Married 2nd Wife Non-Local
  • Divorced
  • Widowed
  • entry-icon 8 Terms And Conditions
    1- All what is mentioned in the general conditions
    2- A celibate and a foreign mother / brothers and sisters who have lost both parents
    3- 3 individuals and cannot be increased, or the residence is the subject of a dispute by the heirs, or residence in areas that have been converted into commercial areas or where foreigners reside
  • entry-icon 9 Required Documents (Electronic)
    1. A certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank with indebtedness not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations
    2. A recent salary certificate that does not exceed 6 months or proof of monthly income provided that it exceeds 15,000 dirhams.
    3. Copy of the valid lease or proof of residence if available.
    4. Statement of account from the bank for the last 3 months.
  • entry-icon 10 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • entry-icon11 Customer Journey
    Step 01 - Select Housing Service
    GETTING Housing unit loan from local market
    Hello! I'm Muftah and I'm here to help you apply for Loan for Purchasing Ready House.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • entry-icon12 Terms And Conditions

    1. All what is mentioned in the general conditions

    2. An elderly couple with a son

    3. 3 individuals and cannot be increased, or the residence is the subject of a dispute by the heirs, or residence in areas that have been converted into commercial areas or where foreigners reside.

  • entry-icon13 Required Documents (Electronic)
    1. Declaration of the continuity of marital relationship recently issued and certified (Unless the wife is added to the family book/ or the application is in the name of the wife).
    2. A certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank with indebtedness not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations
    3. A recent salary certificate that does not exceed 6 months or proof of monthly income provided that it exceeds 15,000 dirhams in addition to proving the monthly income of the husband to a class married to an expatriate.
    4. Copy of the valid lease or proof of residence if any
    5. Statement of account from the bank for the last 3 months
  • entry-icon14 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • entry-icon16 Customer Journey
    Step 01 - Select Housing Service
    GETTING Housing unit loan from local market
    Hello! I'm Muftah and I'm here to help you apply for Loan for Purchasing Ready House.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Single
  • Married from GGC
  • Married Non-Local
  • Divorced
  • Widowed
  • entry-icon33 Terms And Conditions
      1. Single with a foreign mother
      2. Two single sisters who lost their parents
      3. Single that do not wish to live with her parents
      4. Single with house to live
      5. Single and missing parents
      6. Single with unknown parents and her caring parents dead
      7. All of what is stated in the general conditions
  • entry-icon34 Required Documents (Electronic)

    1. A recent marital status certificate that does not exceed 6 months for single women (18 years and above)
    2. A recent salary certificate that does not exceed 6 months, or proof of monthly income, provided that it exceeds 15,000 dirhams.
    3. Forensic media certificate for single women without parents.
    4. A certificate of financial obligations from the bank to which the salary is transferred in addition to any other bank in which there is indebtedness not exceeding 6 months from the date of issuance, or a certificate of clearance in the event that it has no financial obligations
    5. Bank statement for the last 3 months
    6. A copy of a valid lease contract or proof of residence, if any.

  • entry-icon35 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • entry-icon36 Customer Journey
    Step 01 - Select Housing Service
    GETTING Housing unit loan from local market
    Hello! I'm Muftah and I'm here to help you apply for Loan for Purchasing Ready House.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Icon5 Terms And Conditions
      1. Divorced and has no children or no parents
      2. Divorced does not want to live with her children
      3. Divorced and does not have a home to live in
      4. The unavailability of housing suitable for housing from a demographic point of view.
      5. Divorced from a foreign mother
      6. Divorced and has a son or two
      7. Divorced and support 2 members of her family of first degree
      8. All of what is stated in the general conditions
  • Icon6 Required Documents (Electronic)
    1. A recent certificate of custody or support for children.
    2. A recent salary certificate for the husband for the category who is married to an expatriate.
    3. A certificate of financial obligations from the bank to which the salary is transferred in addition to any other bank that has financial fees.
    4. Bank statement for the last 3 months
    5. A copy of a valid rental contract or verification of a proof of residence.
  • Icon7 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • icon8 Customer Journey
    Step 01 - Select Housing Service
    GETTING Housing unit loan from local market
    Hello! I'm Muftah and I'm here to help you apply for Loan for Purchasing Ready House.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Icon9 Terms And Conditions

    1.     A widow who has no children or no parents

    2.     A widow who does not want to live with her children

    3.     A widow who does not have a home to live in

    4.     A widow from a foreign mother

    5.     A widow with a son or two

    6.     A widow who supports 2 members of her family first degree

    7.     All of what is stated in the general conditions

  • Icon10 Required Documents (Electronic)
    1. Proof certificate of custody or supporting children (Issued recently, less than six months)
    2. Succession Certificate.
    3. A certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank with indebtedness not exceeding 6 months from the date of issue or a certificate of acquittal in the event that it has no financial obligations
    4. A recent salary certificate that does not exceed 6 months or proof of monthly income provided that it exceeds 15,000 dirhams.
    5. Copy of the valid lease or proof of residence if any
    6. Statement of account from the bank for the last 3 months
  • Icon11 Service Procedures
    Client
    Fill out form
    Organization
    Checking the request while reviewing thedata and making sure the terms match
    Committee
    Recommendation of the Competent Committee
    Reject request
    Approve the request
    further study
    Board of Directors
    Adopting the decision and informing theclient
    Client
    Implementation of the Housing ServiceDecision
    Icon
  • Icon12 Customer Journey
    Step 01 - Select Housing Service
    GETTING Housing unit loan from local market
    Hello! I'm Muftah and I'm here to help you apply for Loan for Purchasing Ready House.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
  • Icon13 Terms And Conditions
  • Icon16 Customer Journey
    Step 01 - Select Housing Service
    GETTING Housing unit loan from local market
    Hello! I'm Muftah and I'm here to help you apply for Loan for Purchasing Ready House.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form.
    2
     
    Step 03 - Submit Initial Requirements for Verification
    SUBMIT PROCESS FORM FOR VERIFICATION
    Proceed by submitting the filled out form for verification.
    3
    Step 04 - Approved! Select which type of Loan/Grant
    COMMITTEE ENDORSES APPROVAL
    Congratulations! You have passed the initial verification.
    4
     
    Step 05 - House Construction Loan
    BOARD OF DIRECTORS ADVISE
    Your request will be also be confirmed with the board of directors and will advise you for the next step.
    5
     
    Step 06 - Loan External Process
    IMPLEMENTATION
    Congratulations! Your papers has been released. Thank you for applying our service.
    6
     
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