Offer letter ready

Offer letter ready — bank gates still apply

Ref ALT-2026-1007 · Noura Al-Mazrouei

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 36,000 meets the floor
· Finance AED 1,237,500 within the cap
· FTV 75% within 80%
· No hard policy fail

Confirmed offer

OL-2026-1007

Offer letter ready

Confirmed on the standard rail. Still subject to valuation, Shariah, and officer credit — not a funding decision.

Finance

AED 1,237,500

Monthly

AED 6,871

indicative

Profit rate

4.49%

Tenure

25 yrs

FTV 75%

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.

Journey paused for bank approvals

You have finished the customer steps. The bank now orders valuation, runs credit and Shariah, and decides. Nothing is approved or funded until officers act.

Customer progressSubmitted

Bank stage: Pre-qualification

Ijarah Home Finance · AED 1,237,500 · 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 valuation, Shariah, and officer credit. Not a funding decision.

Pre-qual draft ready

DBR 22%. Officer Review & Confirm advances pack + pre-qual in one click.

Classified standard (fast-track)

Clean salaried pack. Light-touch Review & Confirm — valuation, Shariah, credit stay bank gates.