Dubai Holding Real Estate has formed a strategic partnership with the Commercial Bank of Dubai to introduce a new property financing programme.

The initiative targets eligible buyers who are purchasing villas and apartments across major developments, specifically Nakheel, Meraas and Dubai Properties.

The scheme is open to both UAE Nationals and international residents living in the country. It covers salaried individuals alongside self-employed buyers, entrepreneurs and small-business owners. Financing applies to both completed homes and qualified off-plan real estate within the developer’s extensive portfolio.

The system relies on faster digital onboarding and an automated eligibility assessment to grant quick pre-approvals. This enables buyers to understand their borrowing limits early. To accommodate different financial preferences, the bank is offering both conventional loans and Islamic financing structures.

A primary component of the project is that buyers can secure structural financing when construction hits the 30% mark, provided they have already hit the 50% payment threshold. The loan offers come with flexible fixed and variable interest rates, lower fee structures and fewer document requirements for independent entrepreneurs.

Those who qualify through the programme will also gain access to premium banking rewards, including the bank’s Elite service tier.

“Enabling access to home ownership at the right point in the purchase journey is a priority for Dubai Holding Real Estate,” said Khalid Al Malik, Chief Executive Officer, Dubai Holding Real Estate. “Our partnership with Commercial Bank of Dubai responds directly to that need by unlocking earlier and more structured access to home financing across Nakheel, Meraas and Dubai Properties for UAE Nationals and residents, including salaried and self-employed customers. By leveraging the scale and diversity of our residential portfolio, we are giving buyers greater confidence to plan and move forward, reinforcing Dubai Holding Real Estate’s role in shaping accessible, high-quality communities across Dubai’s leading destinations.”

The financial institution highlighted its focus on consumer clarity and modern utility during the property acquisition process.

“Customers today want more than financing,” said Dr. Bernd van Linder, Chief Executive Officer, Commercial Bank of Dubai. “They want clarity, efficiency and trusted guidance throughout the property ownership journey. Through our partnership with Dubai Holding Real Estate, we are simplifying access to home financing with faster digital pre-approvals, dedicated mortgage expertise and a more efficient onboarding process. This reflects CBD’s commitment to supporting customers while contributing to the sustainable growth of Dubai’s real estate market.”