Exclusive Home Financing Solutions with IGA Capital

At IGA Capital, we are dedicated to helping new clients secure competitive financing to purchase or refinance their ideal property. Through our strategic bank partners, we are pleased to introduce an exclusive mortgage offer designed with exceptional flexibility, low introductory rates, and significant upfront cost savings.

Key Product Highlights

• Extended Tenures: Flexible repayment terms up to a maximum of 25 years.

• Affordable Coverage: Exceptionally low monthly life insurance premiums to safeguard your investment.

• Valuation Fee Waiver: Initial home valuation fee of AED 3,150 (inclusive of 5% VAT).

• Buyout Special Incentives: Up to AED 13,000 refunded across valuation and early settlement fees for mortgage buyout transfers, paired with NIL processing fees.

Competitive Profit & Interest Rate Structure

Whether you prefer a salary transfer arrangement or require self-employed/non-salary transfer options, our financing partners offer highly competitive fixed rates to ensure initial stability before transitioning into a transparent variable structure.

1. Fixed Rate Options (Introductory Period)

Customer Segment	Option A: 1 / 2 / 3 Years Fixed	Option B: 5 Years Fixed
Salary Transfer	3.99%	4.19%
Without Salary Transfer / Self-Employed	4.24%	4.44%

*Note: These rates apply exclusively to new mortgage applications or new-to-bank customers.

2. Post-Fixed Variable Rates

Following the expiration of your chosen fixed-rate period, your mortgage rate seamlessly transitions to a transparent 3-Month EIBOR benchmark:

• Salary Transfer Segment: 1.50% + 3M EIBOR (Floor rate of 1.99%)

• Without Salary Transfer / Self-Employed Segment: 1.89% + 3M EIBOR (Floor rate of 1.99%)

Standard Fee & Charge Breakdown

We prioritize complete transparency regarding fees so you can plan your purchase with total clarity:

• Pre-Approval Fee (AIP): NIL

• Bank Processing Fee: 0.00% (Waived for first-time home buyers opting for Salary Transfer) OR 0.50% (Without Salary Transfer)

• Valuation Fee: AED 3,150 (AED 3,000 + 5% VAT)

• Life Insurance / Takaful: 0.0112% per month of the outstanding loan balance

• Property Insurance / Takaful: 0.050% p.a. + VAT of property value (Minimum AED 525, renewable annually in February)

• Closing Fee: As low as 1.5%

Ready to Get Started?

Let IGA Capital handle the heavy lifting for your mortgage financing needs. Contact our loan advisory team today to discuss your eligibility or initiate your pre-approval process.