As per Second quarter 2014 in UAE

CURRENT MORTGAGE OFFERS

FROM THE BANKS

25 25% 10,000 18,000,000 AED2% 0% 1% No No3.49%

1 year fixed

Mortgage

Home Finance for Expats 25 25% 15,000 10,000,000 AED2.66% 1% 3% Yes No

Years ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

4.49%

Variable

Home Finance for UAE Nationals

25 20% 10,000 20,000,000 AED2.66% 1% 3% Yes No4.49%

Variable

15 25% 20,000 10,000,000 AED3.90% 1.50% 2% No No6.67%

Variable

25 25% 10,000 18,000,000 AED2% 0% 1% No No3.49%

1 year fixed

25 25% 10,000 0 AED2.45% 0.50% 1% Yes No4.17%

25 20% 10,000 0 AED2.45% 0.50% 1% Yes No4.17%

Variable

Anchor for Businesses

(UAE Nationals and Expats)

Essence Variable Rate for UAE Residents

Essence Variable Rate for UAE Nationals

Balance Transfer Offer for Expatriates

Balance Transfer Offer for UAE Nationals

1

MortgageYears ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

25 20% 20,000 15,000,000 AED2.24% 1% 1% No No3.85%

5 year fixed

25 25% 25,000 15,000,000 AED2.24% 1% 1% No No3.85%

5 year fixed

25 20% 8,000 10,000,000 AED2.33% 1% Unavailable No No3.99%

1 year fixed

25 25% 15,000 10,000,000 AED2.33% 1% Unavailable No No3.99%

1 year fixed

20 20% 20,000 15,000,000 AED2.33% 1% 2% Yes No3.99%

Variable

20 20% 20,000 15,000,000 AED2.33% 1% 2% Yes No3.99%

Variable

25 20% 20,000 15,000,000 AED2.33% 1% 2% Yes No3.99%

25 25% 20,000 15,000,000 AED2.33% 1% 2% Yes No3.99%

Escan Loan for UAE Nationals

Escan Loan for Expats

ADCB Mortgage for Expatriates

ADCB Mortgage for UAE Nationals

Easy Buy Financing for UAE Nationals

Switch Over Home Financing

for UAE Nationals

Home Refinance for UAE Nationals

Easy Buy Financing for Expats

2

25 20% 15,000 8,000,000 AED2.33% 1% Unavailable Yes No3.99%

2 year fixed

Mortgage

25 25% 20,000 15,000,000 AED2.33% 1% 2% Yes No

Years ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

3.99%

25 25% 20,000 15,000,000 AED2.33% 1% 2% Yes No3.99%

25 25% 15,000 8,000,000 AED2.33% 1% 1% Yes No3.99%

25 20% 15,000 8,000,000 AED2.33% 1% 1% Yes No3.99%

Variable

2 year fixed

2 year fixed

25 20% 20,000 15,000,000 AED2.33% 1% 1% No No3.99%

2 year fixed

25 25% 15,000 10,000,000 AED2.33% 1% 1% Yes No3.99%

Home Refinance for Expats

Switch Over Home Financing for Expats

Home Finance for Expatriates

Home Finance for UAE Nationals

2yrs Fixed Mortgage Loans for UAE Nationals

Ijarah Home Lease for UAE Nationals

Al Islami Home Finance for Expatriates

3

25 20% 20,000 5,000,000 AED2.33% 1% 1% Yes No3.99%

Variable

30 20% 7,000 10,000,000 AED2.39% Yes No1% %1Variable

MortgageYears ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

Al Islami Home Finance for UAE Nationals

25 25% 20,000 5,000,000 AED2.33% 1% 1% Yes No3.99%Manzili Variable Home

Finance for Expats

Manzili Variable Finance for UAE Nationals

Home Loans for Expatriates 25 25% 15,000 15,000,000 AED2.50% 1% 1% No No

4.25%

2 year fixed

Ijara Home Financefor UAE Nationals

and Expats 25 20% 15,000 15,000,000 AED2.33% 1% 1% Yes No

3.99%

Variable

Home Loans for UAE Nationals 25 20% 15,000 15,000,000 AED2.50% 1% 1% No No

4.25%

2 year fixed

Home Suite Bundle Account for Expatriates 25 25% 10,000 18,000,000 AED2.33% No No3.99% 0.50% %1

4

MortgageYears ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

25 20% 10,000 18,000,000 AED2.33% 0.50% %1 Yes No3.99%

1 year fixed

Home Suite Bundle Account for Expatriates 25 25% 10,000 18,000,000 AED2.33% No No3.99% 0.50% %1

Saadiq Home Finance for Expatriates 25 25% 10,000 18,000,000 AED2.33% Yes No

3.99%0.50% %1

1 year fixed

Saadiq Home Finance for UAE Nationals

Home Finance for Expatriates 25 25 15,000 8,000,0002.33 No No

3.991% 1%

2 year fixed

year fixed

Home Finance for UAE Nationals 25 20%

%

15,000 18,000,000 AED

AED

2.33% Yes No3.99%

0.50% 1%

2

1yr Fixed Rate Home

Loan for Expats 25 25% 20,000 5,000,000 AED2.49% No No

4.24%1% 1%

2 year fixed

1yr Fixed Rate Home Loan for UAE Nationals 25 20% 10,000 5,000,000 AED2.49% No No

4.24%1% 1%

2 year fixed

5

MortgageYears ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

Mortgage Home Loansfor Expatriates

25 25% 15,000 2.50% 1% 1% No No8,000,000 AED4.25%

Variable

Mortgage Home Loansfor UAE Nationals

25 20% 15,000 2.50% 1% 1% No No8,000,000 AED4.25%

Variable

Amal Home Finance for Expatriates

25 25% 15,000 2.50% 1% 1% Yes No8,000,000 AED4.25%

Variable

3yrs Fixed MortgageLoans for Expats 20 25% 25,000 2.59% 1% 1% No No9,000,000 AED

4.49%

3yrs Fixed MortgageLoans for UAE Nationals

20 20% 20,000 2.59% 1% 1% No No15,000,000 AED4.49%

2yrs Fixed Rate Home Loan for Expats

25 25% 15,000 2.66% 1% 1% No No5,000,000 AED4.49%

2yrs Fixed Rate Home Loan for UAE Nationals

25 20% 10,000 2.66% 1% 1% No No5,000,000 AED4.49%

6

MortgageYears ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

Homes Mortgages for Expats

25 25% 15,000 2.66% 1% 1% No No10,000,000 AED4.49%

Homes Mortgages forUAE Nationals

25 20% 15,000 2.66% 1% 1% No No10,000,000 AED4.49%

HSBC Home Loans for Expats

25 25% 15,000 2.66% 1% 1% No No20,000,000 AED4.49%

Variable

HSBC Home Loan forUAE Nationals

25 20% 15,000 2.66% 1% 1% No No20,000,000 AED4.49%

Variable

Mortgage Finance for Expatriates

25 25% 25,000 2.70% 1% 1% Yes No12,000,000 AED4.54%

Variable

Mortgage Finance forUAE Nationals

25 20% 25,000 2.70% None Unavailable Yes No12,000,000 AED4.54%

Variable

3yrs Fixed Rate Home Loan for Expats

25 25% 10,000 2.83% 1% 1% No No5,000,000 AED4.74%

7

MortgageYears ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

3yrs Fixed Rate Home Loan for UAE Nationals

25 20% 10,000 2.83% 1% 1% No No5,000,000 AED4.74%

5yrs Fixed MortgageLoans for Expats

20 25% 25,000 2.91% 1% 1% No No9,000,000 AED4.99%

5yrs Fixed MortgageLoans for UAE Nationals

20 20% 20,000 2.91% 1% 1% No No15,000,000 AED4.99%

Release for Expatriates25 25% 15,000 3.01% 1% 1% No No8,000,000 AED4.99%

Variable

Release for UAE Nationals25 20% 15,000 3.01% 1% 1% No No8,000,000 AED

4.99%

Variable

5yrs Fixed Rate Home Loan for Expats

25 25% 10,000 3.18% 1% 1% No No5,000,000 AED5.24%

5yrs Fixed Rate Home Loan for UAE Nationals

25 20% 10,000 3.18% 1% 1% No No5,000,000 AED5.24%

8

MortgageYears ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

Manzili Fixed Rate Home Finance for Expats

25 25% 20,000 3.72% 1% Unavailable Yes No5,000,000 AED5.99%

Manzili Fixed Rate Finance for UAE Nationals

25 20% 20,000 3.72% 1% Unavailable Yes No5,000,000 AED5.99%

Land and Construction Financing

25 20% 20,000 3.73% 1% 2% Yes No10,000,000 AED6.00%

Variable

Construction Financing for UAE Nationals 25 20% 20,000 3.73% 1% 2% Yes No10,000,000 AED

6.00%

Variable

Government Housing Scheme for UAE Nationals

25 20% 20,000 3.73% 1% 2% Yes No10,000,000 AED6.00%

Variable

Noor Home Finance for Expats

25 25% 10,000 3.75% 1% 2% Yes No15,000,000 AED6.03%

Variable

Noor Home Finance for Nationals 25 20% 10,000 3.75% 1% 2% Yes No15,000,000 AED

6.03%

Variable

9

MortgageYears ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

Compass Non-Resident Mortgage

25 25% 20,000 3.92% 1.25% 1% No No0 AED5.42%

Variable

Home Finance for Expats 25 20% 25,000 3.92% 1% 1% Yes No5,000,000 AED6.25%

Variable

Home Finance forNationals

25 25% 25,000 3.92% 1% 1% Yes No5,000,000 AED6.25%

Variable

1yr Fixed Rate Home Finance for Expatriates

25 25% 20,000 3.99% 1% 1% No No10,000,000 AED6.35%

1yr Fixed Rate Home Fi-nance for UAE Nationals

25 20% 15,000 3.99% 1% 1% No No10,000,000 AED6.35%

Bina’a Home Finance for UAE Nationals

25 20% 8,000 4.09% 1% 1% Yes No5,000,000 AED6.49%

Mortgage Home Loans for Non-Residents

25 20% 15,000 4.10% 1.25% 1% No No8,000,000 AED6.50%

Variable

10

MortgageYears ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee Islamic

Salarytransfer

Mortgage Home Loans for Non-Residents 25 20% 15,000 4.10% 1.25% 1% No No8,000,000 AED

6.50%

Variable

2yr Fixed Rate Home Finance for Expatriates

25 25% 20,000 4.49% 1% 1% No No10,000,000 AED7.01%

2yr Fixed Rate Home Fi-nance for UAE Nationals 25 20% 15,000 4.49% 1% 1% No No10,000,000 AED

7.01%

3yr Fixed Rate Home Finance for Expatriates

25 25% 20,000 4.99% 1% 1% No No10,000,000 AED7.66%

3yr Fixed Rate Home Fi-nance for UAE Nationals

25 20% 15,000 4.99% 1% 1% No No10,000,000 AED7.66%

HSBC Granted Land Loan for UAE Nationals

25 25% 20,000 5.26% 1% Unavailable No No4,000,000 AED8.00%

Variable

11

Years ToRepay Down Payment Min. Salary

Redusing Rate

Flat Rate Max. Loan Amount

ArrangementFees

Earlysettlement fee

Mortgage Home Loans for Non-Residents 25 20% 15,000 4.10% 1.25% 1%8,000,000 AED

6.50%

Variable

2yr Fixed Rate Home Finance for Expatriates

25 25% 20,000 4.49% 1% 1%10,000,000 AED7.01%

2yr Fixed Rate Home Fi-nance for UAE Nationals 25 20% 15,000 4.49% 1% 1%10,000,000 AED

7.01%

3yr Fixed Rate Home Finance for Expatriates

25 25% 20,000 4.99% 1% 1%10,000,000 AED7.66%

3yr Fixed Rate Home Fi-

nance for UAE Nationals25 20% 15,000 4.99%

1% 1%10,000,000 AED7.66%

HSBC Granted Land Loan for UAE Nationals

25 25% 20,000

5.26% 1% Unavailable4,000,000 AED

8.00%

Variable

Banks Requirement to Approved the Project:

Request Letter for the financing Customer’s profile including his Personal Net worth (PNW), with any supporting docs, such as their banking relations, state ments of bank’s accounts with other bank, borrowing ...etc Copies of the title documents including title deed, search certificate and site plans of the property (whatever you have Copies of tenancy contracts of the property Evaluation report of subject property (shall be arranged after consultation with us as we are having some nominated valuators for conducting the valuation)

Documentations Required to Available Mortgage as End User:

Personal Documents Required

Salaried Residents (Nationals and Expatriates) Self-employed Residents(Nationals and Expatriates) Original Bank statements for past six months (stamped )Note: six times salaries to appear on the statement. Stamped Bank statements for past six months for both personal and company accounts by the company authorized. Original Valid Salary certificate addressed to the bank ,stamped and signed Proof of existence of business (Partnership Deed, Memorandum of Association, Articles of Association) Salary transfer letter (if transferring salary to the financed bank ) Business Profile (details of the nature of the business, number of years in business, products, services, suppliers, clients, infrastructure, number of employees, target markets, assets and liabilities, business strategy) Details of existing loans/liabilities Proof of business income (certified audited financial statements for the last two years) Details of 'other Income' (proof of investments and regular income sources) Details of 'other Income' (proof of investments and regular income sources) Details of existing loans/liabilities

Financial Documents Required

12

Passport Copy (Valid for 2months) Emirates ID Visa Copy khulasat al qaid (for locals)