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Mortgage Loan Application Form

Mortgage Loan Application Form Template for United Arab Emirates

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Mortgage Loan Application Form

"I need a Mortgage Loan Application Form for use in Dubai, UAE, specifically designed for off-plan property purchases with both conventional and Islamic financing options, to be implemented by March 2025."

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Document background
The Mortgage Loan Application Form is a fundamental document used in the United Arab Emirates' property financing process. It serves as the initial formal request for mortgage financing and is designed to collect comprehensive information about the applicant's financial status, employment history, and the property being financed. The form is structured to comply with UAE Central Bank regulations, including maximum loan-to-value ratios, debt burden calculations, and specific requirements for both UAE nationals and expatriates. It accommodates both conventional and Islamic financing options, reflecting the UAE's dual banking system. This document is essential for banks and financial institutions to assess lending risk, verify applicant eligibility, and initiate the mortgage approval process in accordance with UAE federal and emirate-specific property laws.
Suggested Sections

1. Personal Information: Basic details of applicant(s) including full name, Emirates ID, passport details, date of birth, nationality, and contact information

2. Employment Details: Current employment status, employer information, length of service, position, and income details

3. Property Details: Information about the property to be mortgaged including location, type, size, and current market value

4. Loan Request Details: Desired loan amount, term, purpose (purchase/refinance), and preferred payment method

5. Financial Information: Current assets, liabilities, monthly income, and expenses

6. Banking Relationships: Existing banking relationships, current loans, and credit facilities

7. Security Details: Details of any additional security or guarantees being offered

8. Declarations: Applicant's declarations regarding accuracy of information, credit history, and consent for credit checks

9. Terms and Conditions: Standard terms and conditions of the mortgage application process

Optional Sections

1. Co-Applicant Details: Required when there is a joint applicant or guarantor for the mortgage

2. Islamic Banking Preferences: Required when applicant opts for Islamic mortgage product (Murabaha/Ijara)

3. Self-Employed Business Details: Required for self-employed applicants, including business information and financial statements

4. Foreign Income Declaration: Required for applicants with income sources outside the UAE

5. Property Developer Information: Required for off-plan properties or properties under construction

6. Refinancing Details: Required when application is for refinancing an existing mortgage

Suggested Schedules

1. Required Documents Checklist: List of all required supporting documents including ID proofs, salary certificates, bank statements

2. Fee Schedule: Detailed breakdown of all applicable fees, charges, and processing costs

3. Property Valuation Form: Standard form for property valuation details and requirements

4. Income Verification Schedule: Detailed format for income verification including salary, rentals, and other income sources

5. Life Insurance Requirements: Details of mandatory life insurance requirements and options

6. Property Insurance Requirements: Details of required property insurance coverage and terms

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant legal definitions
Applicant
Application
Approval in Principle
Bank
Business Day
Co-Applicant
Collateral
Debt Burden Ratio
Down Payment
Emirates ID
Encumbrance
Equity
Event of Default
Facility
Financial Year
Guarantor
Ijara
Interest Rate
Islamic Mortgage
Lending Institution
Liability
Life Insurance
Loan Amount
Loan Term
Loan-to-Value Ratio
Market Value
Monthly Installment
Mortgage
Mortgaged Property
Murabaha
Net Income
Off-Plan Property
Payment Due Date
Pre-approval
Processing Fee
Property
Property Insurance
Property Registration
Purchase Price
Real Estate Registration Department
Registration Fee
Security
Title Deed
UAE Central Bank
Valuation Report
Clauses
Personal Information
Employment Details
Income Declaration
Property Details
Loan Details
Financial Disclosure
Security and Collateral
Insurance Requirements
Data Protection
Consent and Authorization
Declaration of Assets
Declaration of Liabilities
Credit Check Authorization
Document Requirements
Property Valuation
Islamic Banking Requirements
Processing Fees
Terms and Conditions
Default Provisions
Anti-Money Laundering
Property Registration
Personal Guarantees
Debt Obligations
Change in Circumstances
Legal Compliance
Information Accuracy
Authority to Verify
Supporting Documentation
Electronic Communications
Governing Law
Relevant Industries

Banking

Real Estate

Financial Services

Insurance

Property Development

Islamic Banking

Mortgage Broking

Construction Finance

Property Investment

Relevant Teams

Retail Banking

Mortgage Operations

Credit Risk

Legal

Compliance

Islamic Banking

Property Valuation

Customer Service

Sales

Documentation

Underwriting

Processing

Quality Control

Relevant Roles

Mortgage Officer

Loan Officer

Credit Analyst

Banking Relationship Manager

Mortgage Underwriter

Compliance Officer

Islamic Banking Specialist

Property Valuation Officer

Risk Assessment Manager

Branch Manager

Customer Service Representative

Mortgage Processing Specialist

Legal Officer

Financial Advisor

Sales Manager - Mortgages

Industries
UAE Federal Law No. 14 of 2018: The UAE Central Bank Law which provides the regulatory framework for all banking activities, including mortgage lending
UAE Federal Law No. 8 of 2004: Financial leasing law that governs various aspects of financial transactions and mortgage arrangements
UAE Civil Code (Federal Law No. 5 of 1985): Contains provisions relating to property rights, contractual obligations, and security interests including mortgages
Dubai Law No. 14 of 2008: Mortgage Law specific to Dubai that regulates mortgage registration and enforcement procedures
UAE Federal Law No. 6 of 1985: Islamic Banking Law that governs Islamic mortgage products (important as many UAE banks offer Islamic mortgage options)
Central Bank Mortgage Regulations 2013: Regulations setting maximum loan-to-value ratios and other lending criteria for mortgage loans
UAE Federal Law No. 24 of 2006: Consumer Protection Law that ensures fair treatment of borrowers and transparency in lending practices
UAE Federal Law No. 4 of 2012: Anti-Money Laundering Law that requires certain checks and verifications in financial transactions including mortgages
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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