Main Documents (for all applicants)
- Valid passport copy
- Valid residency visa & Emirates ID (for expats)
- Proof of current address (Ejari/tenancy contract, utility bill, or title deed)
- Completed mortgage application form
Income Proof – Salaried Applicants
- Salary certificate (addressed to the bank)
- Last 6 months’ bank statements (showing salary credits)
- Last 3 months’ payslips
Income Proof – Self-Employed Applicants
- Valid trade license copy
- Memorandum of Association (with all amendments)
- Last 2 years’ audited financial statements
- Last 4 quarters VAT returns
- VAT registration certificate
- Company bank statements (last 6–12 months)
Property Related Documents
- Sale and Purchase Agreement (SPA)
- Title deed / Oqood (if applicable)
- Developer’s payment schedule
- No Objection Certificate (NOC) from developer (before final disbursement)
