Dubai Holding And CBD Introduce New Mortgage Programme For Nakheel, Meraas And Dubai Properties Buyers

Jun 17, 2026
News
22

Dubai Holding Real Estate has entered into partnership with Commercial Bank of Dubai (CBD), which will provide a new home financing option to help streamline the home buying process for buyers accessing Nakheel, Meraas, and Dubai Properties developed properties. This programme offers a wide range of financing options for selected off-plan and completed villas and apartments, available only to eligible UAE citizens and residents.

The launch of this programme also comes at a time when there is still strong demand for Dubai properties from both end users and investors. Additionally, it encapsulates the continued development, or maturity, of the Dubai real estate, in which developers and lenders are working collaboratively to provide affordable means of acquiring new property.

DubaiHoldingAndCBDIntroduceNewMortgageProgramme

Greater Buyer Confidence from Accessing Mortgages Early

A key aspect of the new mortgage lending framework is the ability for eligible buyers to secure their financing much earlier on in the construction process. In the past, if you purchased an off-plan property, you usually had to wait until it was almost finished before being able to get your final mortgage approved. Under the new lending rules:

You can access financing once the property is 30% through its construction.
To receive loan financing before completion you must have completed 50% of your payment schedule.
Get pre-approved lenders' letters so you have more time and flexibility when planning your budget.
You will know what you can afford before your project is finished.

This structure will appeal to investors searching for property investment in Dubai opportunities. Purchasers of premium off plan projects in Dubai will also benefit from greater access to mortgage funds, which can help with long-term planning.

Apartments And Villas Include All Major Community Financing Options

This financing option is available for qualifying Nakheel, Meraas and Dubai Properties developments, who are three of the top master developers in Dubai.

The program includes:

Off-plan residential properties
Residential properties that are completed
Apartment units
Villa units.

These properties are predominantly located in the established communities of Palm Jumeirah, Dubai Hills Estate, Jumeirah Village Circle, City Walk and Dubai Creek Harbour, which have continued to draw potential buyers looking for both long-term value as well as increased lifestyle benefits. For example, buyers looking to purchase 2 bedroom apartments for sale in Dubai may gain some advantage with this new initiative with respect to accessing additional finance flexibility.

Available Conventional and Islamic Financing Methods

The partnership provides the flexibility to accommodate varying preferences for buyers.

Purchasers can choose between:

Conventional mortgages (Standard)
Islamic home financing (Sharia Compliant)
Fixed rate mortgages
Variable rate mortgages
Preferential Mortgage Rates for Customers
Various fee discounts

Due to this flexibility, we expect that financing will help generate activity across all segments of Dubai real estate market, where financing has become more important in influencing purchase decisions. In addition, an applicant looking to buy off plan apartments in Dubai will have increased visibility into his/her ability to borrow before any application is submitted.

Assistance For Self-Employed And Employees

One of the primary elements of this program is their efforts towards assisting people with differing properties.

Salaried Buyers:

Pre-Approval - faster digital processes.
Borrowing Limits - increased transparency.
Turnaround Times - faster.
Mortgage Support - dedicated.

Self-Employed Buyers:

Document Requirements - simplified.
Eligibility - flexible.
Entrepreneur Support - Entrepreneurial support and SME owners.
Financing - assessments streamlined.

These initiatives support the growing diversity of individuals who are looking for real estate investment Dubai. Whether you're considering investing or buy ready properties in Dubai, their support will help provide a more organized financing process.

Premium Banking Benefits Offer Further Value

Customers may also gain access to the Bank with its Elite proposition for accessing CBD’s premium banking service.

The benefits include:

Improved Banking Assistance
Priority Relationship Management
Access to Service at a Preferred Level
More Financial Planning Assistance

The partnership between Dubai Holding Real Estate CEO Khalid Al Malik and the Bank was created to support both UAE nationals and residents through the availability of financing options to meet buyer demand for earlier and structured financing options. This initiative provides more access to buy properties for sale in Dubai and gives prospective buyers greater confidence in terms of long-term ownership of properties in large-scale master-planned communities.

Why The Timing is Important for Dubai’s Property Market

The launch comes at a time when there is still a strong demand for properties from both local and international buyers.

Several factors are contributing to this continued demand:

The population is still continuing to grow.
There is growth in the amount of business activity.
Long-term residency initiatives are being introduced.
New projects are being launched throughout several communities.
Demand for end-user housing is increasing.

As financing becomes simpler, buyers comparing ownership vs. property for rent in Dubai may find purchasing to be more appealing. This partnership is demonstration of how one of the leading real estate company in Dubai can work with the banking sector to help eliminate barriers to property ownership and build confidence among customers.

New Mortgage Options For Off-Plan And Completed Home Buyers

The launch of the new mortgage program is in line with the changing landscape of the residential property market in Dubai, where increasing access and transparency is becoming more prevalent. A buyer considering to buy off plan villas in Dubai will have access to more financing options earlier during construction. The demand for luxury apartments for sale continues to remain strong, especially with current projects that are being completed by Nakheel, Meraas, and Dubai Properties.

With earlier access to mortgages, electronic pre-approvals of loans, support for employees and self-employed individuals looking to purchase both completed and under-construction properties, this new initiative shows significant progress towards making home-buying easier in one of the fastest growing residential markets in the region.

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