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Real Estate Finance

Purchase your ideal property today.

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:
Residential land and ready/finished properties

Non-residential properties (for commercial purposes)

Under-construction properties (construction/off-plan purchases on SIB-approved projects)

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

  • Competitive profit rates
  • High finance amount
  • Conveniently tenure periods of up to 25 years + construction period
  • Cater all customer segments (Salaried and Self-Employed)
  • Salary transfer is not required
  • Pre-Approval concept
Apply Now

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

  • Finance of up to AED 6 million to complement your business growth
  • Convenient tenure periods of up to 15 years
  • Caters to all customer segments (Salaried and Self-Employed)
  • Competitive profit rates to commercial customers
  • Wide geographical coverage
  • Salary transfer is not required
  • Pre-Approval concept

Apply Now

Under 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

  • Finance of up to AED 3 million
  • Finance of up to 50% of the property value
  • Conveniently tenure periods of up to 20 years + construction period
  • Cater all customer segments (Salaried and Self-Employed)
  • Salary transfer is not required
  • Pre-Approval concept
Apply Now

Calculate your monthly Real Estate Finance installments

Real Estate Finance Own your dream home.
  • Property type

  • Please select your nationality

Property Value (Use progress bar or edit amount manually)


Down payment


Tenure (Use progress bar or edit tenure manually)::

1 Years25 Years

These calculations are for illustration purpose only and based on an average rate. Actual calculation might differ. . ..

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Monthly Payments real-estate-financing

Our commitment to unparalleled service

Convenient monthly installments
and flexible repayment

A smooth, hassle-free approval process for ready/finished or under-construction properties

Benefit from fixed,
stable rent and
guaranteed protection
against rate fluctuation

To Apply


  • Applicants should be at least 21 years
  • Minimum Salary AED 10,000
  • UAE national or expat with valid residency

Required documents

  • Passport & Emirates ID copy
  • Valid residence visa for expats
  • Salary transfer letter
  • Valuation certificate
  • Six months bank statement
  • Property documents (site plan, map, title deed, etc.)

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.

Apply Now

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.

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.

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.

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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