Upfront landlord settlement
The landlord receives the agreed amount upfront, while the tenant follows the approved instalment schedule.
Rent Now Pay Later
Rent Now Pay Later
Exclusively with your
Emirates NBD Credit Card
Emirates NBD Credit Card
Annual rent. Monthly comfort.
Pay your rent in 6 or 12 monthly instalments while your landlord receives the agreed amount covered by the service upfront.
Estimate Your Payment Costs
Enter the rent amount to be covered by the service to see an estimated cost breakdown.
5,000100,000
Enter the amount agreed with your landlord, whether the full annual rent or a portion of it. Security deposits cannot be included.
Payment PlanFee Breakdown
Rent Amount Covered
100,000.00
Emirates NBD Processing Fee1%
1,000.00
Noqodi Fee1.5%
1,500.00
Ejari Registration Feevia Dubai REST — collected separately
177.50
Total Estimated Cost102,677.50
Monthly Instalment Amount
Shown before payment confirmation
The monthly instalment, applicable fees and total amount due are displayed before you confirm payment.
Total Estimated Cost102,677.50
Estimated costs are for guidance only. Ejari registration fees are collected separately. Final eligibility, instalment terms and payment schedules are subject to Emirates NBD approval and the applicable terms and conditions.
What Does the Service Offer?
A simpler way to manage annual rent
RNPL combines monthly payment flexibility, upfront landlord settlement and an integrated digital Ejari journey in one service experience.
Monthly payment flexibility
Pay the eligible rent amount covered by the service in 6 or 12 monthly instalments, subject to approval.
Integrated Ejari journey
Access the service while registering or renewing an Ejari contract through the Dubai REST app.
Eligibility
Check whether RNPL may be available to you
Answer four quick questions to understand whether Rent Now, Pay Later may apply to your situation. The service is optional and must first be activated by the landlord for an eligible contract. This is an indicative check only; final eligibility and approval are subject to Emirates NBD’s eligibility and credit assessment criteria.
Quick eligibility check
Select Yes or No for each question. Your result will appear once all four questions are answered.
Progress0 of 4 answered
Indicative check only
This checker helps you understand whether the service may apply to your situation. It does not guarantee approval, a specific instalment plan or a credit decision.
Before you start
Keep your tenancy and Ejari information ready. The service is available to individual tenants of residential properties in Dubai and does not cover companies or commercial properties.
How Does the Service Work?
Clear steps for landlords and tenants
The experience is integrated into the rental registration or renewal flow, with different actions for each party.
Review your contract
Once your landlord enables RNPL, Dubai REST will notify you to review and approve the contract details.
Proceed to payment
Complete the payment process linked to your Ejari contract through Noqodi using an eligible Emirates NBD credit card.
Select a plan
Choose full payment or an available 6- or 12-month instalment plan. Review the monthly instalment, fees and total amount due before confirming. If you select instalments, acknowledge that you have reviewed the Key Facts Statement (KFS) and applicable terms and conditions.
Complete payment
Once payment is successful, view the transaction details and download your receipt. Ejari issues the registration certificate, and Emirates NBD manages the instalment plan and subsequent payments.
Start Ejari
Register or renew an Ejari contract through Dubai REST. If the contract is eligible, the Rent Now, Pay Later option appears.
Enable RNPL
Select RNPL and specify the amount to be covered, whether the full annual rent or a portion agreed with the tenant.
Enter your bank details
Enter a valid International Bank Account Number (IBAN) and the account holder’s name.
Sign and send
Sign the contract and send it to the tenant for review and approval. Track its status under My Requests. Once the transaction is successfully completed, you receive the agreed covered amount upfront.
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Step 1Landlord enables RNPL
- Creates or renews eligible residential Ejari contract
- Selects RNPL and specifies the amount agreed with the tenant
- Enters a valid IBAN and account holder’s name, then signs and sends the contract to the tenant
-
Step 2Tenant reviews & pays
- Receives RNPL offer notification
- Reviews and approves contract details
- Pays through Noqodi using an eligible Emirates NBD credit card and selects full payment or an available 6- or 12-month instalment plan
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Step 3Ejari certificate is issued
- Payment is confirmed successfully
- Transaction details and a downloadable receipt are available, and the Ejari registration certificate is issued
- Landlord receives the agreed amount covered by the service upfront
Fees
Understand the applicable fees
Emirates NBD and Noqodi fees are calculated on the transaction value and paid by the tenant. Ejari registration fees are collected separately. All applicable fees are displayed before payment confirmation.
| Fee | How it is calculated | Amount/rate |
|---|---|---|
| Emirates NBD Processing Fee | Applied to transaction value | 1% |
| Noqodi Fee | Applied to transaction value | 1.5% |
| Ejari via Dubai REST | Registration fee collected separately | 177.50 |
Important Information for Landlords
Your tenant pays in instalments while you receive the covered amount upfront
RNPL gives eligible tenants payment flexibility while the landlord receives the agreed amount covered by the transaction upfront. This may be the full annual rent or a portion agreed with the tenant. Emirates NBD manages the tenant’s subsequent instalment payments separately from the landlord–tenant relationship. The instalment plan cannot include security deposits.
1. EnableSelect RNPL for an eligible Ejari contract and specify the amount agreed with the tenant.
2. Confirm:Enter a valid IBAN and the account holder’s name, sign the contract and send it to the tenant for review and approval.
3. Receive payment:Once the transaction is successfully completed, receive the agreed covered amount upfront. You may decline RNPL and use another payment method agreed with the tenant.
FAQs
Frequently asked questions
RNPL is a rental payment option available within the eligible Ejari registration or renewal journey through Dubai REST. It lets approved tenants spread payment over 6 or 12 monthly instalments, while the landlord receives the agreed amount upfront.
No. Eligibility, available instalment plans and final approval are subject to Emirates NBD assessment and the applicable service terms and conditions.
Emirates NBD charges 1% of the transaction value, and Noqodi charges 1.5%; the tenant pays both fees. Ejari registration fees are collected separately: 177.50 through Dubai REST. All applicable fees are displayed before payment confirmation.
Yes. Eligible tenants can choose a 6- or 12-month instalment plan, subject to Emirates NBD’s eligibility and credit assessment criteria. Full payment is also available.
The landlord must first enable the service through Dubai REST during an eligible Ejari registration or renewal. The tenant then receives a notification to review and approve the contract and proceed to payment.
No. The calculator provides an estimated cost breakdown for guidance. The monthly instalment, fees and total amount due are displayed in the payment journey before confirmation.
Support and Contact
Need help with your RNPL journey?
Choose the support route that matches your question. DLD supports the Ejari and Dubai REST journey, while Emirates NBD handles eligibility, approval and instalment-related guidance.
Ejari & Dubai REST
Dubai Land Department
For questions about Ejari registration or renewal, the Dubai REST journey, and DLD service steps.
Best forService navigation, Ejari process, Dubai REST assistance
Emirates NBD
For eligibility, approval, available instalment plans, banking-related requirements and final payment terms.
Best forApproval status, instalment terms, eligibility guidance
Payment processing: Noqodi information is presented within the payment step where applicable.
