A sample CredReport

This is the document, not a description of it.

Every page below is generated by the same engines and drawn by the same four-page template that produce a real customer's CredReport, from CredMe's current approved lender catalogue. The customer is fictional; the lender products, rates and fees are the genuine approved ones. Rates and eligibility may change.

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Sample CredReport · fictional customer · real approved lender productsRates and eligibility may change. A sample is not an offer, an approval or a guarantee.

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SAMPLE · fictional customer
Catalogue of 21 October 2026

Refinance + equity · Your mortgage opportunity

You could release AED 300,000, for about AED 7,947 a month in total.

You would still own 40.4% of your home outright. Tell us what the money is for: it changes which lender and structure suit you best. This borrowing is secured on your home.

Your income supports this facility
Cash released (gross)
AED 300,000
before any fees the lender deducts
New monthly payment
AED 7,947
was AED 9,566
Equity you keep
AED 1,010,000
40.4% of your home
15
banks assessed for you
0
banks confirmed eligible on your profile
0
confirmed eligible mortgage products
13
banks awaiting information or lender confirmation

Indicative best match, subject to verification

Dubai Islamic Bank

Dubai Islamic Bank, Buyout Equity (Islamic)

4.10%Rate needs a salary transfer · not yet confirmed · eligibility to be confirmed
  • Lowest modelled cost over 5 years among the lenders CredMe can compare: AED 324,158 in interest and fees. Indicative until your eligibility is confirmed. The rate applies only with a salary transfer.
  • This choice is provisional until you tell us how long you want the payment fixed and how long you expect to keep the mortgage.

Indicative options at a glance, subject to verification

Dubai Islamic BankBest overall value (indicative, needs salary transfer) · Lowest cost (indicative, needs salary transfer)Salary-transfer rate4.10%
Sharjah Islamic BankWorth consideringSalary-transfer rate3.75%
Commercial Bank of DubaiWorth consideringSalary-transfer rate3.99%
SAMPLE REPORT · fictional customer · genuine approved lender products as of 21 October 2026 · rates and eligibility may change
SAMPLE · fictional customer
Catalogue of 21 October 2026

Your bank options

Your three strongest bank options.

Compared on one basis: interest and fees over 5 years, using each bank’s verified terms. Any years after a fixed period are priced at the bank’s follow-on rate on today’s published EIBOR, which will have moved by then.

Best overall value (indicative, needs salary transfer) · Lowest cost (indicative, needs salary transfer)

Dubai Islamic Bank

Dubai Islamic Bank, Buyout Equity (Islamic)

4.10%fixed 3 yearsRate needs a salary transfer · not yet confirmed
Monthly payment
AED 7,947
Interest and fees, 5 years
AED 324,158
Bank fees
AED 6,430

Lowest modelled cost over 5 years among the lenders CredMe can compare: AED 324,158 in interest and fees. Indicative until your eligibility is confirmed. The rate applies only with a salary transfer.

Eligibility to be confirmed: it depends on a detail you have not given.

Worth considering

Sharjah Islamic Bank

Sharjah Islamic Bank, Buyout Equity (Islamic)

3.75%fixed 1 yearRate needs a salary transfer · not yet confirmed
Monthly payment
AED 7,661
Interest and fees, 5 years
AED 393,036
Bank fees
AED 4,185

Lowest starting rate on offer (3.75%, 1-year fixed). Indicative until your eligibility is confirmed. The rate applies only with a salary transfer.

Eligibility to be confirmed: it depends on a detail you have not given.

Worth considering

Commercial Bank of Dubai

Commercial Bank of Dubai, Buyout Equity (Islamic)

3.99%fixed 3 yearsRate needs a salary transfer · not yet confirmed
Monthly payment
AED 7,857
Interest and fees, 5 years
AED 337,928
Bank fees
AED 6,300

Next-best modelled cost: about AED 13,770 more than the first choice over 5 years. Indicative until your eligibility is confirmed. The rate applies only with a salary transfer.

Eligibility to be confirmed: it depends on a detail you have not given.

Rates marked “needs salary transfer” apply only if your salary is paid in, which is not yet agreed.

Where your property’s value sits
Where your property’s value sitsTodaymortgage + equityAED 2.50MAfterAED 300K releasedAED 2.50M
Where your property’s value sitsTodaymortgage + equityAED 2.50MAfterAED 300K releasedAED 2.50M
Mortgage todayNew mortgageEquity

The same property before and after. Gold is the part that stays yours.

SAMPLE REPORT · fictional customer · genuine approved lender products as of 21 October 2026 · rates and eligibility may change
SAMPLE · fictional customer
Catalogue of 21 October 2026

Your costs

What it costs, and when you pay.

A · What you need to arrange

Paid by you directly, with the timing for each

Mortgage registrationGovernmentAt completion, when the mortgage is registeredAED 3,725
Trustee office feeGovernmentAt completion, paid at the trustee officeAED 4,200
Title deed issuanceGovernmentAt completionAED 250
Property valuationBankBefore your offer is finalised, when the bank orders the valuationAED 2,500
Knowledge and innovation feesGovernmentAt completionAED 20
Liability letter (outgoing bank)Current-bank settlementWhen you request the letter from your current bank, before completionEstimate until the lender confirmsAED 53 – 89
Bank processing feeBankBefore the bank releases the loan, after the offer letterAED 3,930
Total you arrangeAED 14,678 – 14,714

B · Handled through your mortgage buyout

Settled with your current lender as part of the buyout, so not paid from your pocket, but still part of the cost

Early settlement (outgoing bank)Current-bank settlementHandled through your mortgage buyoutAED 10,000
Total handled through the buyoutAED 10,000

How your new mortgage adds up

Gross figures first, then what reaches you

New facility (gross)AED 1,490,000
Settles your current mortgage− AED 1,190,000
Cash released to you (gross)AED 300,000
Cash that reaches you after feesNo verified rule says whether fees come out of the release, so we do not guessLender to confirm
Equity you keep in your homeAED 1,010,000 (40.4%)
New monthly paymentAED 7,947

C · Total transaction costs

AED 24,678 – 24,714

Fees only. Your new mortgage balance is the loan itself, not a fee. This total includes the early settlement charge, which is handled through your buyout and is not part of the cash you arrange.

Cash you arrangeAED 14,678 – 14,714
Early settlement, through your buyoutAED 10,000
SAMPLE REPORT · fictional customer · genuine approved lender products as of 21 October 2026 · rates and eligibility may change
SAMPLE · fictional customer
Catalogue of 21 October 2026

Your insights and next steps

What stands out for you.

What the cash really costs

The AED 300,000 you release adds about AED 1,600 a month, while the better rate on your existing balance takes about AED 3,219 a month off. Together your payment rises by about AED 1,619 a month.

Your current rate is about to change

When your fixed period ends in August 2027, your current mortgage could reset to about 6.48%, taking its payment from AED 9,566 to about AED 10,313 a month. This uses CredMe’s published EIBOR (manually maintained, not a Central Bank fixing), which will have moved by then. Your advisor can weigh moving now, for the cash, against waiting for the reset.

What is the money for?

A purchase deposit, a renovation and other spending suit different lenders and structures. We do not call a release worthwhile until we know what it is for and that the payment stays comfortable.

A better rate on what you owe

Moving your existing balance to a lower rate saves about AED 3,219 a month on its own, which absorbs part of the cost of the extra cash.

Less cash than it looks

AED 10,000 of the cost is handled through your mortgage buyout, so you do not pay it out of pocket. It is still part of the total cost.

Before you decide

This borrowing is secured on your home. If payments are missed, the home is at risk. Borrow only what you need.

What to do next

  1. 1
    Choose how much to release

    This report prices AED 300,000. Your advisor can test other amounts so you borrow only what you need.

  2. 2
    Let your CredMe advisor confirm Dubai Islamic Bank

    They check the rate and how the lender treats its fees before anything is submitted.

  3. 3
    Plan for the arranging costs

    About AED 14,678 to AED 14,714 is paid by you around completion.

Speak to your CredMe advisor to turn this report into an application.

Good to know.
  • Each lender makes the final decision after seeing your documents, and its decision may differ from this estimate.

We assessed 15 banks against your profile using CredMe’s approved lender policies: residency and nationality, income and employment, affordability, rates, fees and the structure of each mortgage. Only banks that match the information you gave can be recommended. A bank that sets a minimum on something you have not yet confirmed is marked as such, and is counted separately until you confirm it. Rates and terms come from CredMe’s approved lender catalogue published on 21 October 2026. Lender fees are as stated in each lender’s product data, not confirmed with the lender. This report is an estimate built from the information you gave CredMe. It is not an offer, an approval or a guarantee.

SAMPLE REPORT · fictional customer · genuine approved lender products as of 21 October 2026 · rates and eligibility may change
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