A fixed rate keeps your payment the same for two to three years. A variable rate moves with EIBOR.
- Fixed (Oct 2026, salaried): 3.99%–4.69%; no payment changes during the fixed period
- Variable: EIBOR + 1.25%–1.79%; payment changes at each EIBOR reset
After any fixed period, every UAE mortgage moves to a variable rate. Choose fixed if a payment rise would stretch your budget.
Related: What is EIBOR?
