UAE Off-Plan Home Finance: DIB Offers Up to 50% Funding

Arabian Business reported on 22 August 2026 that Dubai Islamic Bank (DIB) had launched home finance in the UAE for off-plan properties that are still under construction. The offer provides up to 50% funding for eligible UAE nationals, residents and non-residents. The supplied report does not state the rate, tenure, eligible project list or how the 50% is calculated.

For buyers, this creates a potential additional route to finance a home that is still under construction, including for people without UAE residency. However, “up to 50%” is a maximum under the offer, not a guaranteed amount for every applicant. Before reserving a unit, buyers should obtain a personal decision and written calculation from DIB showing the amount available, when it would be disbursed and which payments remain their responsibility. The finance terms should be matched against the developer’s payment schedule, while the project and sale agreement still require their own due diligence.

The news matters in Dubai’s market because buying off-plan means committing before construction is complete, making it especially important to align payment dates with available capital. A finance option is relevant to buyers who do not want to fund the entire purchase from their own resources, while the inclusion of non-residents broadens the potential applicant pool. Arabian Business confirms the product launch and stated funding ceiling, but it does not confirm approval for any particular buyer or project. The practical value therefore depends on DIB’s individual eligibility assessment and the terms of the selected property.