Dubai Holding Real Estate and Emirates NBD have signed a Memorandum of Understanding (MoU) to introduce integrated mortgage financing solutions for off-plan residential developments across Dubai.
The initiative will be implemented across key master developers, including Meraas, Nakheel, and Dubai Properties, enabling prospective buyers to access tailored mortgage solutions at the earliest stages of their off-plan purchase journey.
By embedding structured financing directly into the sales process, the partnership aims to provide buyers with early clarity on affordability, competitive lending rates, and a streamlined pathway from initial booking through to project completion and handover.
The offering will be available to both UAE residents and non-residents, subject to standard approval criteria.
Enhancing transparency and buyer confidence
The collaboration represents a notable evolution beyond traditional developer-led payment plans. By integrating mortgage pre-approval into the off-plan purchase process, buyers will gain greater financial certainty and improved liquidity planning throughout the construction lifecycle.
Officials emphasized that the initiative is designed to reduce uncertainty, enhance transparency, and support informed decision-making, ultimately strengthening buyer confidence in Dubai’s real estate market.
Khalid Al Malik Chief Executive Officer Dubai Holding Real Estate
“Dubai’s real estate market continues to evolve as a global benchmark for growth and investment. In partnership with Emirates NBD, we are enhancing the way off-plan homes are purchased by embedding structured mortgage solutions directly into the customer journey. This creates a more structured and predictable pathway for buyers throughout the development lifecycle.”
Marwan Hadi, Group Head of Retail Banking and Wealth Management at Emirates NBD, noted that, “We are pleased to partner with Dubai Holding Real Estate to advance how off-plan homes are financed in Dubai. By introducing structured mortgage solutions earlier in the homebuying journey, we are giving customers greater financial clarity and confidence at the point of decision. This initiative reflects our commitment to enabling sustainable homeownership while strengthening transparency and responsible lending across the UAE’s real estate market.”
The partnership aligns with the objectives of the Dubai 2040 Urban Master Plan, which aims to enhance housing accessibility and foster a resilient, well-regulated property market.
According to Dubai Land Department data, Dubai recorded more than 270,000 real estate transactions valued at $250 billion (AED 917 billion) in 2025, with off-plan properties accounting for over 70 percent of residential activity.
The integration of mortgage solutions at the early stages of purchase is expected to further boost demand, improve market stability, and sustain long-term sector growth.
