Commercial Bank of Dubai Mortgage in the UAE
Commercial Bank of Dubai home loan rates, eligibility and a full calculator — compared against 20+ UAE banks, free.
Commercial Bank of Dubai (CBD) is a well-established local bank that is consistently competitive on salary-transfer pricing and runs frequent mortgage campaigns worth catching. It offers both conventional and Islamic (CBD Al Islami) home finance, a clean digital process, and a strong Dubai footprint. CBD rarely shouts the lowest headline rate, but when its campaigns are live it can be one of the sharpest options for salary-transfer buyers.
Commercial Bank of Dubai mortgage calculator
The full Ambizent calculator — pre-set to Commercial Bank of Dubai's indicative rate and built on real UAE Central Bank rules (LTV caps, the 50% debt-burden ratio, the 25-year term). Adjust any field to model your own numbers, then get Commercial Bank of Dubai's exact rate from us — compared free against 20+ banks.
Upfront costs (paid in cash)
down payment + fees—
Estimates only, based on UAE Central Bank LTV/DBR regulations and typical Dubai fee schedules. Non-resident LTVs reflect common bank policy rather than a published cap. Final terms are set by the lender. This is not financial advice.
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Best for
Salary-transfer salaried buyers, Dubai-based customers, and anyone who can time a purchase to a CBD campaign.
Look elsewhere if
You can't transfer your salary or want a Sharia rate lower than CBD Al Islami offers — NBF or ADIB may edge it.
Commercial Bank of Dubai mortgage rates & products
CBD's mortgage pricing indicatively starts around 3.99%–4.25% p.a. for salary-transfer customers in 2026, with variable options at EIBOR + margin, and it runs frequent promotional campaigns (fee waivers, rate discounts) that can materially improve the deal. Both conventional and Islamic (CBD Al Islami) products are available. Salary transfer typically unlocks the best pricing, and CBD's digital process keeps things straightforward.
Commercial Bank of Dubai eligibility
CBD lends to UAE nationals and resident expats under standard Central Bank caps (80% expat / 85% national first home under AED 5M, 50% DBR, up to 25 years). Best pricing is tied to salary transfer. Processing is generally clean and reasonably quick for salary-transfer customers.
Commercial Bank of Dubai mortgage: pros & cons
Strengths
- Consistently competitive salary-transfer pricing
- Frequent promotional campaigns and fee waivers
- Both conventional and Islamic (CBD Al Islami) options
- Clean digital process and strong Dubai footprint
- Good all-round local-bank choice
Watch-outs
- Best pricing tied to salary transfer
- Headline rate rarely the market's lowest
- Campaign pricing is time-limited
Commercial Bank of Dubai vs comparing the whole market
Commercial Bank of Dubai may well be your best option — but the only way to know is to compare it against every other UAE lender for your exact profile. On a AED 1.5 million, 25-year mortgage, the gap between the sharpest and a mid-market rate can be around AED 150,000 over the term. That's why we place your profile in front of 20+ UAE banks, conventional and Islamic, and bring you the best — free, because the bank pays us on completion, never you. You take Commercial Bank of Dubai only if it genuinely wins.
Commercial Bank of Dubai mortgage — frequently asked questions
What are CBD's mortgage rates in 2026?
Commercial Bank of Dubai's rates indicatively start around 3.99%–4.25% p.a. for salary-transfer customers in 2026, with variable options at EIBOR + margin. CBD runs frequent campaigns that can improve the deal. We confirm CBD's current best rate and any live promotion for your profile, and compare it free against 20+ banks.
Does CBD offer Islamic home finance?
Yes — CBD offers Sharia-compliant home finance through CBD Al Islami alongside its conventional mortgages, so you can compare both structures within the same bank. We help you weigh the all-in cost of each.
Is CBD good for salary-transfer customers?
Yes. CBD is consistently competitive on salary-transfer pricing and often runs campaigns with fee waivers or rate discounts. If you're willing to move your salary, CBD is frequently a strong-value local option, especially for Dubai-based buyers.
Can expats get a CBD mortgage?
Yes. CBD lends to both UAE nationals and resident expats under the standard Central Bank caps — up to 80% LTV for expat first homes under AED 5M, subject to the 50% debt-burden ratio and up to 25-year terms.
How do I get CBD's best mortgage rate?
Share your details and we'll confirm CBD's current best rate and whether a campaign is live for your profile, then compare it free against 20+ other UAE banks. You only choose CBD if it's genuinely your best deal — and it costs you nothing.
Get Commercial Bank of Dubai's best rate — free
Share your details and an advisor will confirm exactly what Commercial Bank of Dubai will offer you — and compare it against 20+ UAE banks so you get the sharpest deal. No cost, no obligation.
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