Offer letter ready

Offer letter ready — bank gates still apply

Ref ALT-2026-1001 · Omar Al-Mansoori

Standard rail · 80%

Offer letter ready

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

Confirmed offer

OL-2026-1001

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.

Customer progress75%

Bank stage: Underwriting

Ijarah Home Finance · AED 1,480,000 · Ajman

Submitted

Your application and documents are with the bank.

Bank review

Officers verify identity and income. Bank orders valuation — you do not upload a valuation report.

Credit & Shariah

Bank credit and Shariah desks work the file under board rules.

Bank decision

Only the bank issues a final offer or decline — not the app alone.

Funded

Facility funded after bank closing steps.

Bank manager demo

Open the same file in the bank Command Center. Run bank steps yourself: intake → pre-qual → bank valuation → Shariah → underwriting → closing → funded. Customers stay on this waiting view until you move the file.

Latest update

Confirmed offer letter issued

Standard rail · bureau view pulled · subject to remaining officer credit confirm. Not a funding decision.

Credit recommendation ready for officer

Assist draft under delegated authority — waiting for Confirm credit.

Officer confirmed Shariah sample

Structure memo read and confirmed. Ijarah path under product manual §4.2.