Omar Al-Mansoori
ALT-2026-1001 · +971 50 412 8801
Clean file on the fast rail. A confirmed offer letter follows the policy check — credit, Shariah, and valuation stay with the bank.
- · Salaried employment
- · Ready property (not off-plan)
- · Income AED 42,000 meets the floor
- · Finance AED 1,480,000 within the cap
- · FTV 80.0% within 80%
- · DBR 22.9% within 45%
- · No hard policy fail
- · Document quality meets the rail
Offer letter ready
Confirmed on the standard rail. Still subject to valuation, Shariah, and officer credit — not a funding decision.
Finance
AED 1,480,000
Monthly
AED 8,218
indicative
Profit rate
4.49%
Tenure
25 yrs
FTV 80%
Credit view: clean · Clean bureau view. Supports a confirmed offer letter, still subject to valuation, Shariah, and officer credit.
- · Bank valuation must be ordered and locked
- · Shariah sample must be confirmed by an officer
- · Credit recommendation must be confirmed under delegated authority
- · Closing (takaful + disbursement) before any funding
Next: bank gates (valuation, Shariah, credit). Nothing funds without them.
Standard rail — policy envelope met, bureau view pulled, confirmed offer letter issued. Still subject to valuation lock, Shariah sample, and officer credit. Not a funding decision.
Client file
Honest snapshot first. Pick a journey below — WhatsApp is one desk, not the whole file.
Product
Ijarah Home Finance
Stage
Underwriting
Finance
AED 1,480,000
Property
Apartment · Ajman
Income
AED 42,000
Employment
salaried
Nationality
UAE
Mobile
+971 50 412 8801
Apply step
Submitted
Came in via
At credit decision. Valuation locked · Shariah memo verified. Confirm recommendation to open closing checklist (takaful + disbursement).
Choose a journey
Credit · valuation-backed funding
Agent uses locked appraisal — not the SPA sticker alone — to size the facility.
Locked market value
AED 1,850,000
Requested
AED 1,480,000
Max eligible
AED 1,480,000
FTV 80% vs policy 80%. Stance: needs review. Confirm credit only if you accept this funding path.