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  1. Islamic Banking | Islamic Bank Account, Credit Cards, Financing
  2. Saadiq Home Finance

Saadiq Home Finance

Step into your dream home with Standard Chartered Home Finance solutions.

Benefits

  • Zero

    processing fees*

  • Valuation

    fee refund on balance transfer*

  • Optional

    life insurance/takaful

  • Available

    in conventional and Islamic home finance

* Terms and condition apply

Features

Competitive Profit Rate

We offer competitive variable profit rates linked to the EIBOR.

Fast Processing

Once all of the documents have been provided, it takes  2 to 7 working days to obtain approval for the finance.

Convenient Tenures

Enjoy flexible payment tenures on your Home Finance for up to 25 years.

Banking online or on the go

Check your Home Finance details on the go with our award-winning Online and Mobile Banking platform.

EIBOR/SCBLR/SCBMR RATES

Rate updated on: 21st July 2025

TENOR
EIBOR
SCBLR/SCBMR
3 Months 4.098% –
6 Months 4.195% –
12 Months 4.245% 4.33%
24 Months 4.067%
36 Months – 4.151%
60 Months – 4.230%

Application Eligibility

  • Minimum Age >= 21 years old
  • Maximum Age:
    • Salaried: 65 yrs old at the time of finance maturity
    • Self Employed: 70 yrs old at the time of finance maturity
  • Minimum Monthly Income AED 15,000

Documents Required

  • Copy of Passport, Visa and Emirates ID
  • Salary Certificate or Payslip
  • Bureau Consent and UAE Fund Transfer System Consent Form
  • For Self Employed: Trade License, Share Certificates, last 2 yrs Audited Financials
  • For Buy-out cases: Title Deed / Oqood + Developer Request, Sales Purchase Agreement / Memorandum of Understanding and Liability Letter

Application Eligibility

  • Minimum Age >= 21 years old
  • Maximum Age: 70 yrs old at the time of finance maturity
  • Minimum Monthly Income AED 15,000

Documents Required

  • Copy of Passport and Emirates ID
  • Salary Certificate or Payslip
  • Bureau Consent and UAE Fund Transfer System Consent Form
  • For Self Employed: Trade License, Share Certificates, last 2 yrs Audited Financials
  • For Buy-out cases: Title Deed / Oqood + Developer Request, Sales Purchase Agreement / Memorandum of Understanding and Liability Letter

Processing Fee:

Up to 0.525% of Finance Amount

Valuation Fee:

AED 3,000 to AED 3,625

Early Settlement Fee:

Up to 1.05% of Settlement Amount

For detailed service and charges, please click here.

  • UAE resident
  • New or existing clients of the bank
  • Salaried or self employed
  • Minimum income of AED 15,000

Once you meet all our criteria, you are eligible for up to AED 18 Million on any residential and completed property as per our list of approved developments.

We finance completed residential properties in Freehold and Leasehold areas in Dubai and Abu Dhabi.

Yes. Saadiq Home Finance and SaadiqOne Account are based on the Ijarah concept (‘rent to own’) and has been approved by an independent Internal Shariah Supervision Committee.

With the MortgageOne Account, your current account and your home loan are linked together, with interest calculated on the difference between your loan balance and the money in your account. This helps you take years off your mortgage and pay less interest as compared to a traditional home loan.

Yes, SaadiqOne Account is the Islamic variant of MortgageOne Account.

To find out the kind of property that fits within your budget, you can access our easy-to-use online calculator by clicking here. You can also contact our Mortgage Specialists to guide you, by making an appointment here.

Home Finance Terms and Conditions

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