Miftah Housing - Your Path to Home Ownership

Frequently Asked Questions

At Miftah, we believe in transparency and making homeownership simple and accessible. Below are answers to the most common questions we get from people just like you.

Yes! Miftah is fully registered and licensed in the UAE. We're here for the long haul, and we operate with full transparency and compliance to ensure your peace of mind.

It stands for Miftah Common Housing Fund — our unique, interest-free housing finance model that helps individuals and families own homes through affordable monthly contributions.

Absolutely. All properties are handed over fully finished—no need to worry about extra construction or interior work.

At the moment, our homes are located in projects across Dubai, sourced from trusted real estate developers.

Since our homes are part of standardized developments, major customizations aren't possible. That said, once you move in, you're welcome to make small interior changes to make it feel like home.

We understand your needs may change, but once you start your monthly contributions, switching units isn't allowed due to tax and financial reporting requirements.

Yes, always. Whether you pay in person or online, you'll get an official receipt every time.

No, our rotation system gives equal opportunity to all members. It's independently managed to ensure fairness for everyone.

Life happens. If you miss a payment, you won't be eligible for that year's selection, but you can continue contributing and re-enter the rotation once you're up to date.

Yes, all contributions are completely interest-free and fully Sharia-compliant.

At this stage, all members contribute a fixed monthly amount based on the home type they've selected. The rotation system, managed by an independent body, ensures fairness—so increasing your contribution won't fast-track your turn, but staying consistent definitely helps!

Yes, you can cancel anytime. Just note that service and processing fees paid won't be refunded.

Yes, ownership or your chance to receive a property can be transferred to another person, with Miftah's approval.

If someone leaves a group, Miftah will work to quickly replace them with another suitable participant. Your group's progress may pause temporarily, but we aim to minimize delays and ensure fairness for remaining members.

UAE residents with valid ID can apply—and international investors looking to own property in Dubai are welcome too!

At Miftah, we use a Housing Rotation System to ensure fairness and transparency. Every year, selected members receive their homes through this system. The maximum waiting period to receive a house is 6 years, though many members get theirs even sooner!

It's a fair, independently administered process that selects members once a year. Everyone who keeps up with their payments has a chance to be selected.

Once a year. Selected registrants will receive their homes after that year's draw.

No down payment is required. However, there is a one-time service fee (AED 12,600) and an initial capital deposit (AED 20,000).

These help cover Miftah's daily operations—staff salaries, office space, logistics, marketing, and support services. A monthly service fee of AED 210 also applies.

This is your first savings toward home repayment and goes directly into your property contribution fund.

Yes, all contributions go into secure, RERA-approved escrow accounts managed by licensed banks. These funds are protected and released only upon verified project milestones.

It's a secure bank account regulated under UAE law (Law No. 8 of 2007) to protect homebuyers from fraud and ensure developers use funds responsibly.

Yes! During our launch period, we're offering a 50% discount on initial service and capital deposit fees. That's AED 6,300 instead of AED 12,600 for service, and AED 10,000 instead of AED 20,000 for the deposit.

That depends on the home size:

Studio: AED 1,450/month
1 Bedroom: AED 2,000/month
2 Bedrooms: AED 3,300/month
3 Bedrooms: AED 5,500/month

The repayment period is 20 years.

No hidden fees from Miftah. Any additional costs would only come from standard government or bank processing fees at the time of property transfer.

Yes, you can! Once you receive your home, you're free to live in it while you continue making monthly payments.

Yes, there's a one-time allocation fee based on your unit type:

Studio: AED 20,000
1 Bedroom: AED 30,000
2 Bedroom: AED 40,000
3 Bedroom: AED 50,000

Here's the general size range:

Studio: 350–400 sq ft
1 Bedroom: 500–700 sq ft
2 Bedroom: 800–1100 sq ft
3 Bedroom: 1200–1400 sq ft

Yes, monthly payments are set based on the minimum size of each category until you receive your home. If your home is larger than the base size when you receive your home, your payments may be adjusted slightly.

You'll contribute around 36% of the total home cost in the first six years. The remaining 64% will be paid over the next 14 years—still interest-free.

You can choose between two options:

Single Purchase — You pay individually.
Group Purchase — You join a group to share the cost.

Groups typically include 4, 8, or 12 people. Each member pays a share, making it more affordable—perfect for those with limited income.

Not at all! Just choose the group size that suits your budget, and Miftah will match you with other members.

We'll keep you in the loop through email, SMS, and your personal dashboard on the Miftah portal. Plus, our customer support team is always ready to assist you.

Your Dream Home in Dubai

Awaits

Why Choose Miftah Housing?

Guaranteed Home Delivery

Zero Interest Payments

Minimal monthly payments

Flexible Options

Early Bird Registration - 50% OFF!

Registration Fees

Launch Season Offer

Choose Your Perfect Home

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1 Bedroom

2 Bedroom

3 Bedroom

Frequently Asked Questions

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