Required documents

• Exemption request form from the beneficiary's heirs.
  • A copy of beneficiary's death certificate

  • A copy of Heritage Confinement.

  • A copy of the beneficiary's family book.

  • A copy of the power of attorney for the heirs, to proceed procedure on their behalf in government entities.

  • Real State and properties statement, valid commercial licenses in the real estate field of the applicant.

  • Income and Salary Certificate for the deceased beneficiary’s.

  • A document from the deed of ownership of the house.

  • Any other documents deemed by the committee.

• Documents required in case decreasing borrower income :
  • Complete Exemption request form.

  • A copy of the passport

  • A copy of the family book.

  • A copy of the ID.

  • Detailed salary certificate or valid monthly subsidy, and in case of non-work, proof of non-work issued by the court or the notary public is required.

  • A certificate of real estate owned from authorized entity in the applicant’s emirate.

  • A statement from Al Etihad Credit Bureau regarding the applicant’s data and accounts.

  • In the case of medical disability: - Submit an approved medical report stating the applicant's partial or total disability.

  • Providing a valid certificate of indebtedness to the applicant.

  • Any other necessary documents requested by the committee