Do you have Question?

At Khat Alhayat, we believe in transparent, accessible financing. Below are answers to our most common questions:

General Questions

What is the customer service phone number?

Our toll-free customer service number is +971-526711691.

What types of properties can I finance with Khat Alhayat?

We finance:
✔ Primary residences
✔ Vacation homes
✔ Rental properties
✔ Commercial real estate
✔ Land purchases (for construction)

What’s the minimum/maximum loan amount?

  • Minimum: $50,000

  • Maximum: Up to $5M+ (based on collateral and eligibility)

What interest rates do you offer?

Rates start at 3.5% APR* for qualified borrowers, depending on:

  • Loan term

  • Property type

  • Credit profile

  • Market conditions

How long does approval take?

  • Pre-approval: 48 hours (with complete documents)

  • Full approval: 5–7 business days

  • Funding: 7–10 days after approval

F.A.Q.

What’s the maximum Loan-to-Value (LTV) ratio?

Up to 90% LTV for owner-occupied homes (lower for investment properties).

Can expats or foreigners apply?

✅ Yes! We specialize in expat mortgages in Dubai and the UAE. Requirements vary by nationality.

Do you offer Sharia-compliant mortgages?

✅ Yes. Our Islamic home financing follows Murabaha principles (no interest).

What documents are required?

  • For salaried applicants:

    • 6 months’ bank statements

    • Employment contract

    • ID/Passport

  • For self-employed:

    • 2 years’ financial statements

    • Business license

Is there a prepayment penalty?

❌ No. You can pay off your mortgage early without fees.

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