Signing a new lease in Dubai usually means paying a large amount upfront before you move into your new home. For many tenants, paying the full amount upfront is inconvenient and requires a lot of saving. We offer a new way to rent in Dubai that solves for this: Rent in 12.

With Rent in 12, you can pay your annual rent in 12 monthly card payments, while your landlord continues to receive rent payments according to the agreed payment schedule.

How does Rent in 12 work?

The entire process is completed in a few simple steps, exclusively through the Property Finder app:

1. Get approved

Connect your UAE bank account or upload your last 3 months of bank statements to get approved.

2. Find your home

Browse homes with the “Rent in 12” filter and find the one that’s right for you.

3. Sign your contract

Once approved, your agent prepares the tenancy contract, which is then signed by both you and the landlord.

4. Pay monthly

You’re all set to pay your rent monthly using debit or credit card. You can also sync your rent payments with your salary date and track all your payments directly in the app.

Why use Rent in 12?

Rent in Dubai

Here is what this service changes for tenants in Dubai:

Keep your cash available for other plans or priorities: Money you would have tied up in rent stays available for moving costs, furniture, lifestyle upgrades, or unexpected expenses.

Sync rent payments to your salary date: Payments are collected on a fixed date each month, so you can line them up with your payday and manage your monthly rent payment more easily.

Never miss a due date: Automatic monthly card payments help you stay on top of the due dates, and you can follow every payment on the Property Finder app.

Who is eligible for Rent in 12?

To apply for Rent in 12, you should meet the following basic requirements:

A monthly income of AED 8,500 or more

A steady income (you should be able to provide 3 months of your bank statements)

A valid Emirates ID

A UAE-issued credit or debit card

New arrivals to the UAE and self-employed or freelance applicants are reviewed on a case-by-case basis based on income consistency shown in bank statements. It also helps to have the other documents you need to rent a property in Dubai ready before you start viewing homes.

How are the monthly payments structured?

A service fee applies based on the number of payments the landlord receives as per the tenancy agreement:

Landlord payment terms Rent in 12 service fee

1 payment 11.8%

2 payments 8.00%

3 payments 6.75%

4 payments 5.75%

6 payments 4.75%

You can check the exact service fee through the monthly rent calculator in the app for any listing, making monthly rent calculation easier before you move forward.

Other charges to know about

Late payments: Reminders are sent 7 days and 3 days before your payment is due. If you miss the payment, your saved card is retried daily for 30 days. After that, you will be contacted and a civil case may be initiated.

Early cancellation: If you end your tenancy early, you pay the early-termination penalty agreed with your landlord, plus the applicable interest fees. If your landlord has received more than is ultimately due, the excess amount is returned to you.

Rent is only one part of moving. Ask your agent any questions you may have—they’re there to guide you through the process. It’s also worth reading up on the additional costs of renting in Dubai so there are no surprises.

Rent in Dubai

How is Rent in 12 different from a personal loan?

Rent in 12 is not a loan. You are not borrowing money, and there is no interest. Instead, it is a payment management service with a service fee that allows eligible tenants to split their annual rent into 12 monthly card payments.

Rent in 12 uses a UAE-issued credit or debit card for the scheduled monthly payments and does not operate as a personal loan. Using the service does not affect your AECB credit score.

This gives eligible tenants another way to manage their rent monthly instead of making larger rent payments upfront.

Key takeaways

Rent in 12 lets tenants in Dubai split their annual rent into 12 monthly card payments, while the landlord continues to receive rent according to the payment schedule agreed in the tenancy agreement.

A service fee applies, ranging 4.75% to 11.8%, based on the number of payments the landlord receives as per the tenancy agreement.

To be eligible, you need a minimum monthly salary of AED 8,500, have a steady income (you should be able to provide 3 months of your bank statements), hold a valid Emirates ID, and have a UAE bank account.

Everything happens in the Property Finder app, from checking your budget to tracking each monthly payment.