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Hello ! My name is Moftaah,
MBRHE`s virtual assistant. I am here to help answer your questions on Housing Services.
.
  • Grants
    • Apply for housing land
    • Apply for housing grant
    • Apply for Housing construction grant
    • Apply for housing Maintenance, Addition or Replacement (partial / whole) grant
    • Apply for apartment grant
    • Apply for a housing construction request on a relative’s land
  • Loans
    • Apply for Housing loan
    • Apply for housing construction loan
    • Apply for housing purchase
    • Apply for housing Maintenance, Addition or Replacement (partial / whole) loan
    • Apply for housing unit loan from local market
    • Apply for housing unit rent
  • Complementary Services
    • Change Service from Housing purchase Loan to Housing Construction Loan
    • Cancel Approved Grant / Loan Application (under consideration)
    • Cancel In Progress Application (Grant / Loan)
  • To Whom It May Concern
  • Request For One Year Maintenance
  • Facilitation Program
  • Payment of Arrears of Installments Due
  • Apply For Early settlement
  • Apply For Liability Letter
  • Apply For Reducing the loan value
  • Apply For Update Customer Data
  • Self Financing Reward "Awad"
  • Business Services
    • Apply For Opening File for New Project
    • Apply For First Payment
    • Apply For Running Payment
    • Apply For Retention Payment
    • Apply For Final Payment
    • Apply For Disbursement of construction loan payments / financial aid grant payments 750 thousand
    • Apply For Housing Maintenance, Addition and Replacement loan payments
    • Apply For To Whom It May Concern Letter for projects with percentage of achievement
    • Apply For Termination and suspension of current contractor
    • Apply For Letter Requesting Discount Price
  • Suppliers and Contractor
    • Suppliers Registration Services
    • Classification and the Nomination Guide for Suppliers
    • Supplier and Contractor Evaluation
  • Application Status
  • Housing Maintenance Status
  • Loan Calculator
  • Housing Cost Calculator
. . . .
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Apply for housing Maintenance, Addition or Replacement (partial / whole) loan



Description Client can obtain a no interest loan of 300,000AED maximum for house works or a total replacement of AED 750,000
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 Dubai citizens with income of (15,000 -100,000 AED) can apply.​
Service Fee There are no fees for this service.
Service Channels Customer Service Center + Mobile Application + Website
  • General Terms Icon Terms And Conditions
    1. A citizen holding a passport and a copy of a copy issued by the Emirate of Dubai.
    2. The applicant must be at least 21 years old.
    3. The age of the applicant shall not exceed 60 years.
    4. Monthly income higher than 15,000 dirhams and not exceeding 100,000 dirhams.
    5. The percentage of monthly deductions in addition to the Establishment's share shall not exceed 70%
    6. Have a house in the Emirate of Dubai.
    7. Housing is for personal residence for client or his family and shall not be wholly or partly rented.
    8. Housing is not less than 10 years of when it was built unless it has an actual need for maintenance according to the technical report.
    9. Housing is in need of the maintenance as per evaluation report by the Establishment.
    10. The addition area should not exceed 4000 square feet.
    11. The request should not be for secondary constructions or minor modifications not related to the structure.
    12. The application for execution shall be on an existing residential facility connected to the main structure.
    13. A correct and appropriate building contracting contract must be submitted to the local market prices in the emirate, and if this is proven otherwise, legal measures will be taken.
    14. The approval is considered null if the beneficiary fails to complete the documents and procedures required to disburse the loan within a maximum period of one year from the date of approval.
    15. The approval is considered null if the completion certificate was issued before signing the contract with the institution, or if more than six months have passed since the completion certificate after signing the contract.
    16. Any other conditions prescribed by the Board of Directors.
    17. Abide by the controls, decisions and instructions issued by the institution regarding this service.
Select Gender Requirement varies from gender and civil status

Male
Female
  • Single
  • Married
  • Married 2nd Wife Local
  • Married 2nd Wife Non-Local
  • Divorced
  • Widowed
  • Terms And Conditions
    • All of what is stated in the general conditions
  • Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • 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
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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
     
  • Terms And Conditions
    • All what is stated in the General Conditions
  • Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • 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
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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
     
  • Terms And Conditions
    • All what is stated in the General Conditions
  • Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • 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
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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
     
  • Terms And Conditions
    • All what is stated in the General Conditions
  • Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • 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
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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
     
  • Terms And Conditions
    • All what is stated in the General Conditions
  • Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • 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
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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
     
  • Terms And Conditions
    • All what is stated in the General Conditions
  • Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • 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
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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
  • Terms And Conditions
    • All what is stated in the General Conditions
  • Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • 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
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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
     
  • Terms And Conditions
    • All what is stated in the General Conditions
  • Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • 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
  • Customer Journey
    Step 01 - Select Housing Service
    GETTING A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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
     
  • Icon1 Terms And Conditions
    • All what is stated in the General Conditions
  • Icon2 Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • Icon3 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
  • Icon4 Customer Journey
    Step 01 - Select Housing Service
    GETTING A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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
    • All what is stated in the General Conditions
  • Icon6 Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • 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 A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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
    • All what is stated in the General Conditions
  • Icon10 Required Documents
    1. Fill out a housing service application form. 
    2. Color photo of the couple's ID card.
    3. A color photograph of the passport including the page with the file no.
    4. A color picture of the Civil status record including last page
    5. Passport copy of children, cover and page 26 (for widows, divorcees and ones married to non citizens).
    6. A copy of the land map.
    7. Statement of account from the bank for the last 3 months.
    8. A recent salary certificate that does not exceed 6 months from the date of its issuance or proof of monthly income, provided that it exceeds 15,000 dirhams.
    9. Legal certificate for widows and single women without parents
    10. Current proof of civil status for females 18 and above years old (6 month recent) for widows and divorced women and for those who do not receive support from the Ministry of Community Development.
    11. Proof of children financial support or custody (6 months recent) (widows & divorcees). .
    12. A recent certificate of financial obligations from the bank to which the salary is transferred, in addition to any other bank in which there is an indebtedness or a clearance certificate in the absence of debt.
    13. Proof of academic certificates or a work certificate for children of a citizen married to a Gulf Cooperation Council country
    14. Certificate of monthly income for the husband for the category of non-citizen married.
  • 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 A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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 A MAINTENANCE LOAN
    Hello! I'm Muftah and I'm here to help you apply for Maintenance Loan.
    1
     
    Step 02 - Learn about the Initial Requirements
    FILL OUT APPLICATION FORM
    Let's Start the process by filling out the Application Form. Early Settlement 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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