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This service allows applying for mortgage amendment of all types (mortgage amendment application/ usufruct mortgage amendment application/ provisional mortgage amendment application/ provisional mortgage registration amendment application/ portfolio mortgage amendment application) for a property in favor of the financing entity in order to guarantee the rights entailed on the property.

Mortgage amendment form

Individuals
Via Trustee offices:

1- A letter from the bank amending the mortgage
2- Three mortgage contracts certified by the mortgagee bank and signed by both parties
3- The UAE ID of the owner (for identification proof) / a copy of a passport for non-resident foreigners
54 legal power of attorney in case a representative

Via the bank (electronic):
1- UAE ID of the owner (for identification proof only, no copy shall be submitted) / copy of passport for non-resident foreigners

Individual (One person) establishment
1- A copy of the trade license
2- UAE ID (for identification proof only, no copy shall be submitted) or a copy of a valid passport for non-resident foreigners
3- A legal power of attorney in case of a representative

Limited liability company
1- trade license + parties and lineage page (original and copy)
2- A certificate of job title deed
3- Memorandum of Association (annexes, if any) (original and copy attested by the Ministry of Foreign Affairs to be translated into Arabic language)
4- A legal power of attorney in case of a representative, or a duly notarized board board of directors resolution

None

If the amendment for the amount, a fee of 0.25% of the increase mortgage amount will be charged
If the amendment for the term, a fee of AED 1,000 will be charged
AED 10 knowledge fee for each drawing
AED 10 innovation fee for each drawing

Service partners fees:
An amount of AED 2,000 in case of an increase of the mortgage amount + the VAT charged to the service partners’ fees
An amount of AED 300 in case of amendment of the mortgage term + the VAT charged to the service partners’ fees

via the on-line system
Step I: A customer prepares the mortgage requirements with the bank
Step II: A bank employee enters all the required documents via the on-line mortgage system, as the transaction will be audited by the bank auditor (all required documents are uploaded via the digital safe)
Step III: The transaction is sent to the department for auditing and the department's fees shall be deducted from the bank account
Step IV: The outputs are delivered to the customer via e-mail

Via the service center
Step I: A customer will move to a service center - Real Estate Registration Registrars Offices
Step II: A customer submits the required documents to an employee to ensure that no documents are missing. (all required documents are uploaded via the digital safe/ treasury)
Step III: The transaction details will be entered into the system by an employee and shall be audited
Step IV: A customer will pay the fees and receive a payment receipt
Step V: The outputs are delivered to the customer via e-mail