Your bank has funded the facility
Ref ALT-2026-1004 · Fatima Al-Nuaimi
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 38,000 meets the floor
- · Finance AED 1,680,000 within the cap
- · FTV 80.0% within 80%
- · DBR 28.7% 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 1,680,000
Monthly
AED 10,619
indicative
Profit rate
4.49%
Tenure
20 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.
Bank stage: Funded
Ijarah Home Finance · AED 1,680,000 · 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.
Latest update
Lifecycle complete
Funded after human gates. Retention watch armed.