Indicative offer

Indicative position — specialist handling next

Ref ALT-2026-1005 · James Mitchell

Assisted rail · 20%

Your choice

Partner notified

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

· Finance above the standard cap (AED 2,500,000).
· Source of funds incomplete — specialist desk.

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 2,500Assisted assessment fee

One-time fee. Never auto-charged. Valuation, Shariah, and credit stay with the bank.

Window: 7h 7m left

Indicative offer

IL-2026-1005

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 4,250,000

Monthly

AED 32,490

indicative

Profit rate

4.49%

Tenure

15 yrs

FTV 50%

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.

Customer progress45%

Bank stage: Exception

Ijarah Home Finance · AED 4,250,000 · 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.

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

Escalated to human Shariah desk

Complex multi-jurisdiction funding path requires board review.

Credit cleared with conditions

DBR OK. SOF documentation incomplete.

Partner referral intake

High-value non-resident application.