Move into the home your family deserves.
Home is where the heart is. Your real estate goals have never been closer to reality with our flexible Real Estate Finance solution and competitive profit rates.
Know your finance options
Plan ahead for a property purchase that you have had your eye on. Our Real Estate Finance solutions can help you make the following property types yours:
Warning: If you do not keep up your repayments/payments on time then: 1- You may lose your property and may be repossessed by the Bank 2- Your account will go into arrears which may affect your credit rating and may limit your ability to access/obtain financing in the future 3- Your security cheque may be presented for clearing; against the settlement of the unpaid installment amount 4- In case of default, the Bank will initiate actions including financing collection measures involving collateral securities and claim on guarantees and initiate legal proceedings against you in the competent courts of the UAE |
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Residential Finance
Own a place of your own….
Customized to bring you a host of flexible property finance solutions to suit your needs. Whether you want to own a ready apartment, villa, or townhouse, build your own home, buy a piece of land, or invest in a non-residential property; we at Sharjah Islamic Bank can assist you.
Features & Benefits
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Non-Residential Finance
Freedom to Finance Non-residential Property
Sharjah Islamic Bank's Non-Residential property finance offers you the flexibility of choosing completed properties such as shops, office spaces, and other business units.
Features & Benefits
Apply NowUnder Construction Property Finance
Sharjah Islamic Bank's home finance offers you the flexibility to finance under construction, off-plan & near ready properties. Financing of under construction properties is available for select projects in the emirate of Sharjah only.
Features & Benefits
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Our commitment to unparalleled service
Required Information
- Application form
- View Takaful Insurance Policy
- Passport & Emirates ID copy
- View the latest Central Bank of UAE EIBOR Rates www.centralbank.ae
- Valid residence visa for expats
- View Terms and Conditions
- Minimum Salary AED 10,000
- Salary transfer letter
- Valuation certificate
- Six months bank statement
- Property documents (site plan, map, title deed, etc.)
- For full profit rate details applicable for your Finance, kindly contact the Bank
What would you like to do?
Give us feedback
Write to us and we will get back to you soon.
Calculate installments
Missed the calculator? Get your monthly repayment details instantly.
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The online application takes only a few minutes to fill out.
Frequently asked questions
Can I get real estate finance with SIB for a home that's not yet been constructed?
Yes, SIB's Real Estate Finance solution allows you to make construction/off-plan purchases on SIB-approved projects. For a list of approved projects, please click here.
Can I cover my rent payments with real estate finance?
SIB's Real Estate Finance solutions are only offered to those who would like to purchase property. If you need help covering your rent payments for residential or commercial property, you can apply for our Ijarah Services solution under SIB's Personal Finance umbrella.
Will my Real Estate Finance application process be complicated?
The length and smoothness of the process for real estate finance application approvals vary according to individual circumstances. However, you can rest assured that our approvals are as fast, straightforward and hassle-free as possible.
How do I sign up for Online Banking?
All you need to do is visit the Online Banking page through www.sib.ae and register as a new user of a retail account. You should have your card or account number and verification code ready to create your user ID and complete the process.
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