The Home Loan Application Letter is a crucial document in the UAE property financing process, serving as the formal initiation of a mortgage request. It is used when an individual or joint applicants seek financing to purchase residential property in the UAE, whether for personal residence or investment purposes. The document must comply with UAE Federal Law No. 14 of 2018 (UAE Central Bank Law) and related banking regulations, including specific requirements for loan-to-value ratios and debt burden limits. The letter typically includes comprehensive information about the applicant's financial status, employment details, the property details, and the requested financing terms. For UAE nationals and expatriates alike, this document forms the foundation of the mortgage application process and must be carefully prepared to meet both regulatory requirements and the specific criteria of the chosen financial institution.
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1. Applicant Information: Full legal name, Emirates ID, passport details, current address, and contact information
2. Employment Details: Current employer, position, length of service, and monthly income details
3. Property Details: Address and description of the property to be purchased, including property type and current market value
4. Loan Request Details: Amount of loan requested, preferred tenure, and proposed monthly installment
5. Financial Position: Current assets, liabilities, and other financial commitments
6. Banking Relationship: Existing relationship with banks, including current accounts and other banking facilities
7. Purpose Declaration: Clear statement of the purpose of the loan and intended use of the property
1. Co-Applicant Information: Details of co-applicant if the loan application is joint
2. Business Income Details: For self-employed applicants, details of business ownership and income
3. Rental Income Declaration: If applicant has additional income from rental properties
4. Islamic Finance Preference: If applicant specifically requests Sharia-compliant financing options
5. Property Developer Details: For off-plan properties, information about the developer and project
6. Existing Mortgage Details: If the application is for refinancing an existing mortgage
1. Required Documents Checklist: List of all required supporting documents including salary certificates, bank statements, and identification documents
2. Income Verification Documents: Last 6 months' bank statements, salary certificates, and any additional income proof
3. Property Documentation: Property evaluation report, sale agreement, and related documents
4. Credit Report Authorization: Authorization for the bank to obtain credit reports from Al Etihad Credit Bureau
5. Fee Schedule: Breakdown of all applicable fees including processing fees, valuation fees, and insurance requirements
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