Yes. Most UAE banks offer mortgages without a salary transfer, usually at a slightly higher rate.
- Oct 2026 fixed rates: from 3.99% with salary transfer, from 4.15% without
- Cost on AED 1.2M over 25 years: about AED 106 a month, or AED 1,280 a year
- Banks offer both options; only the pricing differs
- If you leave the UAE or change jobs later, a salary-transfer loan may move to a higher rate
Related: Current rates
