New Mortgage Program Launched for Nakheel and Meraas Properties

Dubai Holding Real Estate has partnered with Commercial Bank of Dubai (CBD) to launch a new home financing programme for eligible UAE nationals and residents purchasing homes across Nakheel, Meraas, and Dubai Properties. The initiative is designed to simplify the home-buying journey by providing earlier financing visibility, faster approvals, and dedicated mortgage support throughout the purchasing process.

The programme covers both off-plan and completed villas and apartments within Dubai Holding Real Estate's portfolio. Buyers can choose between conventional and Islamic financing options, subject to eligibility criteria and bank approvals. The launch comes as Dubai's residential market continues to witness strong demand from both end-users and investors.

Key Highlight: Financing Available Before Project Completion

One of the most significant features of the programme is that eligible off-plan buyers can access mortgage financing much earlier than traditional financing structures.

Under the new arrangement, financing becomes available once a project reaches 30% construction progress, provided the customer has already completed 50% of the required payment. This gives buyers greater certainty regarding their financing position before handover and allows them to plan future payments more effectively.

The feature addresses one of the biggest concerns for off-plan buyers—uncertainty regarding mortgage eligibility at later stages of construction. By obtaining financing clarity earlier, buyers can make more informed decisions throughout the purchase process.

Benefits For Salaried And Self-Employed Buyers

The programme has been structured to support a wide range of customer profiles. Salaried buyers can benefit from faster digital pre-approval tools that help determine borrowing capacity quickly and reduce approval timelines.

Meanwhile, self-employed customers, entrepreneurs, and SME owners will have access to more flexible eligibility frameworks and simplified documentation requirements. This expands financing accessibility to a broader group of potential homeowners who may traditionally face additional hurdles during mortgage applications.

Additional Banking Benefits

The programme also includes several customer-focused features such as:

• Fixed and variable rate financing options
• Preferential interest and profit rates
• Competitive fee structures
• Faster digital onboarding and approvals
• Dedicated mortgage advisory support
• Access to selected premium banking privileges

Eligible customers may also gain access to CBD's premium banking services, including its Elite banking proposition. These benefits are intended to create a smoother and more transparent route to homeownership.

Supporting Dubai's Growing Property Market

According to Dubai Holding Real Estate CEO Khalid Al Malik, the partnership responds directly to buyer demand for earlier and more structured access to financing. The company believes the programme will strengthen buyer confidence and make homeownership more accessible across its residential portfolio.

The initiative arrives amid continued growth in Dubai's property market, where developers and financial institutions are increasingly collaborating to simplify financing and support both off-plan and ready-property purchases. The programme covers communities developed by Nakheel, Meraas, and Dubai Properties, some of Dubai's most recognized residential brands.

Key Highlights

• Dubai Holding Real Estate and CBD launched a new home financing programme.
• Available for Nakheel, Meraas, and Dubai Properties developments.
• Financing available from 30% construction completion after 50% payment threshold.
• Supports both off-plan and completed homes.
• Offers conventional and Islamic financing options.
• Includes faster digital pre-approvals and dedicated mortgage support.
• Designed for both salaried and self-employed buyers.

The new financing programme represents another step in Dubai's efforts to make homeownership more accessible. By providing earlier mortgage visibility, flexible financing structures, and enhanced customer support, the initiative aims to help buyers navigate the property purchase process with greater confidence while supporting continued growth in Dubai's residential market.

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