Indicative position — specialist handling next
Ref ALT-2026-1003 · Khalid Hassan
This file needs specialist handling
This file needs specialist handling beyond the standard digital path. A one-time assisted assessment fee covers that work so the main book stays fast. Formal valuation, Shariah, and credit still sit with the bank.
Why — factual, not a decline
- · Self-employed — specialist income and statements review.
- After you continue, a specialist desk works the file — then the same bank gates.
- 4-hour choice window. You can save and come back.
AED 2,000Assisted assessment fee
One-time fee. Never auto-charged. Valuation, Shariah, and credit stay with the bank.
Window: 14h 6m left
Indicative position
A soft position from digital data and the policy pre-check. Specialist handling is required before a formal offer. No bureau pull.
Finance
AED 2,240,000
Monthly
AED 12,438
indicative
Profit rate
4.49%
Tenure
25 yrs
FTV 70%
Credit view: not pulled · Bureau not pulled — cost control. Assisted files stay indicative until the specialist desk and bank gates complete.
- · Specialist handling on the assisted desk
- · Assisted assessment fee, if due
- · Then the same bank gates: valuation, Shariah, credit
- · A confirmed offer letter only after those gates
Next: assisted desk (and the fee if due), then bank gates before any confirmed letter.
Assisted rail — indicative position from digital data and policy pre-check. No bureau pull. A confirmed letter only after the assisted desk and bank gates.
Your file is with a specialist desk
Your file needs extra handling (income, structure, or limits). If an assisted fee applies, it is a one-time charge for that work. Valuation, Shariah, and credit still sit with the bank — nothing is approved until officers act.
Bank stage: Pre-qualification
Ijarah Home Finance · AED 2,240,000 · Dubai
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.
Latest update
Assist: pre-qual draft ready
DBR draft for self-employed income. Officer must accept or override.
Officer confirmed intake pack
Self-employed pack verified: trade license, 12m statements, financials, title.