Eligibility comes down to a few clear factors. Knowing them in advance lets you fix any gaps before you apply.
What lenders assess
- Age (typically 21–65 at loan maturity)
- Stable, verifiable income
- Length of employment or business trading history
- Credit history (AECB score)
- Existing financial commitments
Typical income requirements
Most UAE banks look for a minimum monthly salary in the region of AED 10,000–15,000 for salaried applicants, though this varies by lender and product.
Self-employed applicants
Business owners are assessed on bank statements, trade licence and often audited financials. We specialise in matching complex income profiles to the right lender.
This article is for general guidance only and isn't financial advice. For a recommendation tailored to your situation, speak to an Xperts advisor.
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