EIBOR (Emirates Interbank Offered Rate) is the average rate at which major UAE banks lend to each other, published daily by the UAE Central Bank. Most variable-rate UAE mortgages are priced as 'EIBOR + a fixed bank spread,' so a buyer's monthly payment moves whenever EIBOR resets.
Why It Matters
- —Off-plan buyers rarely need a mortgage during construction — the developer payment plan replaces mortgage drawdown — but EIBOR becomes relevant at handover if a completion mortgage is taken.
- —Non-resident buyers are typically capped at lower loan-to-value ratios than residents, and may face a wider EIBOR spread.
- —EIBOR tracks the US Federal Reserve rate closely because of the AED/USD peg — useful context when comparing financing costs against other currency markets.
Dubai & Abu Dhabi projects currently listed
Live · PropSentral listings
Sold Out
Abu Dhabi
One Development
One Residence
Al Reem Island, Abu Dhabi
Sold directly from developer
1 – 4 Bed·Q2 2028
Pre-Launch · EOI
Abu Dhabi
One Development
JOUD Residence
Al Reem Island, Abu Dhabi
FromAED 1.6M
1 – 4 Bed·10% booking, staged to 50% on handover (Jun 2029) payment plan·Jun 2029
Sold Out
Dubai
Beyond
31 Above
Dubai Maritime City, Dubai
Sold directly from developer
2,189 – 4,515 sq ft offices·To be confirmed
Off-Plan
Dubai
TownX
Ashley Hills
Arjan, Al Barsha South 3, Dubai
FromAED 839K
Studio – 3 Bed·30/70, 50/50, 70/30 or 100% (multiple options) payment plan·Q1 2027
Off-Plan
Dubai
TownX
11 Hills Park
Dubai Science Park, Dubai
FromAED 939K
Studio – 1 Bed·40/60 payment plan·Q2 2027
Ready to Move In
Dubai
TownX
Luma Park Views
Cluster 14, Jumeirah Village Circle (JVC), Dubai
FromAED 1.4M
1 – 3 Bed·On request payment plan·Completed 2025
Off-Plan
Dubai
Beyond
Arancia Yards - Phase 1
The Yards, City of Arabia, Dubai
Price upon request
1 – 3 Bed·On request payment plan·To be confirmed
Off-Plan
Dubai
Beyond
Arancia Yards - Phase 2
The Yards, City of Arabia, Dubai
FromAED 1.5M
1 – 3 Bed·40/60 payment plan·Q2 2029
Off-Plan
Dubai
Beyond
Aria
Dubai Maritime City, Dubai
FromAED 4.3M
Studio – 4 Bed·70/30 (2 Bed) or 40/60 special offer (3 Bed Signature Units) payment plan·Q1 2027
Off-Plan
Dubai
Beyond
Hado
Dubai Islands, Dubai
FromAED 2.8M
1 – 4 Bed·50/50 payment plan·Q3 2029
Off-Plan
Dubai
Beyond
Kanyon
Dubai Maritime City, Dubai
FromAED 3.8M
1 – 3 Bed·50/50 payment plan·Q2 2029
Off-Plan
Dubai
Beyond
Orise
Dubai Maritime City, Dubai
FromAED 20.8M
4 Bed·50/50 (staged pre-completion) payment plan·Q1 2028