Key Points in 15 Seconds
- Basic documents: Emirates ID, passport, visa, salary certificate, bank statements
- Bank statements required: 6 months showing salary deposits
- Self-employed need: Trade license + 2 years audited financials
- Property documents: MOU/SPA, title deed, developer NOC
Document Preparation Guide
Having all documents ready speeds up your mortgage application significantly. Most delays occur due to missing or incomplete documentation. Use this comprehensive checklist to prepare your application.
Tip: Scan all documents in clear PDF format before applying. This makes the digital submission process faster and reduces back-and-forth requests.
Personal Identity Documents
Emirates ID
Valid Emirates ID (both sides) - required for all UAE residents
Passport
Valid passport with minimum 6 months validity (all pages with stamps)
UAE Residence Visa
Valid residence visa page (for expat residents)
Passport-Size Photos
Recent passport-size photographs (some banks require)
Income Documents - Salaried Employees
Salary Certificate
Recent salary certificate from employer (dated within 30 days)
Bank Statements
6 months of bank statements showing salary credits
Employment Contract
Copy of employment contract or offer letter
Pay Slips
Last 3-6 months pay slips (if available)
Income Documents - Self-Employed
Trade License
Valid trade license showing business activity
Audited Financial Statements
2 years of audited financials (P&L, Balance Sheet)
Company Bank Statements
6-12 months of company bank statements
Memorandum of Association
Company MOA showing ownership structure
Property Documents
Ready Properties
- Signed MOU/Sale Agreement
- Title Deed (if available)
- Developer NOC
- Property floor plan
Off-Plan Properties
- Sale & Purchase Agreement
- Payment receipts
- Developer NOC
- Oqood registration (Dubai)
Have Your Documents Ready?
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Related Resources
Frequently Asked Questions
What documents do I need for a UAE mortgage application?
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Do I need original documents or copies?
What property documents are needed for mortgage?
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This content is not financial advice. Please consult a licensed financial advisor before making borrowing decisions.
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Reviewed by the LeoCompare Editorial Team – specialists in UAE home financing content.
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