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New UAE loan rules: How ending the Dh5,000 salary condition will help blue-collar workers and low-income residents

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Big news for blue-collar workers in the UAE, and it’s the kind that actually makes a real difference.

The Central Bank of the UAE has officially removed the long-standing minimum salary requirement for getting a personal loan. For years, most banks insisted on a Dh5,000 minimum salary to even consider an application. Now, that barrier is gone.

So what does that mean for workers, young earners, and low-income residents?
In simple words: more access, more opportunity, and more financial freedom.

Under the new rule, each bank can set its own salary criteria based on internal policies. This opens the door for thousands of workers who previously couldn’t qualify for “cash-on-demand” personal loans,  even if they needed urgent funds for family emergencies, education, medical expenses, or settling debts.

The update also means more residents can open bank accounts linked to the Central Bank’s Wage Protection System (WPS). Once salaries are transferred, monthly loan instalments are auto-deducted, making repayments smoother and reducing the risk of default, a win-win for workers and banks.

The change supports the UAE’s push for wider financial inclusion, ensuring everyone, including labourers, can access regulated banking services without relying on informal or unsafe borrowing options.

Before the new ruling, borrowers could take up to 20 times their monthly income, and the monthly instalments could not exceed 50% of their salary, while the repayment periods are capped at 48 months.

Overall, the new directive is a game-changer for the UAE’s low-income workforce. It doesn’t just offer credit access; it offers dignity, stability, and a pathway to better financial management.

With over 35 years of experience in journalism, copywriting, and PR, Michael Gomes is a seasoned media professional deeply rooted in the UAE’s print and digital landscape.

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UAE launches new digital platform to manage federal government real estate

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The UAE Ministry of Finance has launched a new digital system to centralise and manage data on all federally owned real estate, marking another step in the country’s push to modernise public asset management and strengthen governance.

The platform, known as the Federal Government Real Estate Assets Platform, will act as a unified electronic registry for federal government properties. It is designed to document, update and classify real estate data, while linking assets directly to financial and operational systems across the federal government.

The ministry said the launch fulfils the requirements of Article 18 of Federal Decree-Law No. 35 of 2023 on Union-Owned Properties, which mandates the creation of a federal electronic registry for government real estate.

Supporting digital transformation

Younis Haji AlKhoori, Undersecretary at the Ministry of Finance, said the platform is designed to strengthen regulation, governance and oversight of federal real estate assets, while supporting the UAE government’s wider digital transformation agenda.

By automating real estate-related processes, the system aims to improve data accuracy and provide better insights for policymaking, planning and long-term asset management.

Federal entities can use the platform to register and update property data under standardised classifications, manage leasable spaces, and submit real estate-related requests through automated workflows. These include inspections, transfers, sales, demolitions and structural changes to properties.

The platform also integrates with other federal systems to ensure records remain up to date, while generating reports and performance indicators to support evidence-based decision-making.

Linking real estate and financial data

Mariam Mohamed Al Amiri said the platform was developed to unify real estate data across federal bodies and connect it directly to financial and operational procedures, helping improve planning, expenditure control and transparency.

The system records both financial and non-financial data, including property values, depreciation, operating costs, location, condition and technical specifications. It also stores digital documents such as architectural drawings, site maps and contracts.

A new four-tier classification structure, covering sites, buildings, floors and individual units, standardises how government real estate is recorded and enables faster access to information.

From paper to digital

According to the ministry, the platform replaces paper-based procedures with a fully digital framework that supports real-time tracking, automated approvals and structured lease management, including contract creation, amendments and terminations.

Officials said the move will improve the efficiency of federal real estate use, enhance governance and support long-term planning of government-owned properties as part of the UAE’s broader digital government strategy.

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Middle East set to attract over $100bn a year in energy, healthcare and digital investment by 2026

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The Middle East is on track to attract more than $100 billion (Dh370 billion) a year in major investments by 2026, spanning energy, renewables, healthcare, digital infrastructure and manufacturing, according to a new industry outlook by Grand View Research (GVR).

Despite the global shift towards cleaner energy, the region, led by the UAE and Saudi Arabia, is expected to remain a global powerhouse in oil and gas, while rapidly scaling renewable energy, digital transformation and healthcare innovation.

Oil and gas remain central, with a tech-driven twist

The UAE and its Gulf neighbours currently account for around 30 per cent of global oil production and 17–18 per cent of gas output, cementing the region’s role as a key energy supplier.

While global oil demand growth is expected to remain modest through 2026, gas demand is forecast to rise by around 3.5 per cent, driven by power generation, industrial expansion and LNG exports.

“The Middle East’s oil and gas sector remains a market anchor, but technology adoption and LNG expansion will define competitiveness over the next few years,” said Swayam Dash, Managing Director at Grand View Research.

Across the UAE, producers are increasingly deploying AI, IoT, drones and robotics to cut costs and improve operational efficiency, alongside investments in carbon capture, storage and early-stage hydrogen projects under the UAE Energy Strategy 2050.

Renewables and battery storage gain pace

Renewable energy is expanding rapidly across the Gulf, with falling solar auction prices making clean energy increasingly competitive. Both the UAE and Saudi Arabia are mandating battery storage alongside new solar and wind projects, helping stabilise power grids as renewable capacity grows.

Dubai has announced plans for multi-gigawatt renewable additions by 2030, while Saudi Arabia continues to roll out large-scale solar and hydrogen projects under Vision 2030.

Healthcare becomes an economic growth engine

Healthcare is also emerging as a strategic investment sector. In 2023, Dubai welcomed more than 690,000 medical tourists, generating over Dh1 billion in healthcare revenue and boosting related sectors such as hospitality and travel.

The UAE’s National Digital Health Strategy, which integrates platforms like Riayati, Malaffi and Nabidh, has consolidated more than 1.9 billion medical records across 3,000 facilities, positioning the country as a regional leader in digital healthcare.

Data centres, cloud and advanced manufacturing

Digital infrastructure is another major growth driver. The GCC data centre market is expected to grow at around 13 per cent annually through 2030, with the UAE and Saudi Arabia accounting for up to 70 per cent of new capacity.

Cloud adoption is accelerating too, with nearly 75 per cent of organisations expected to rely mainly on cloud platforms by 2026, boosting demand for cybersecurity, AI and enterprise digital tools.

By 2026, GVR expects the region’s economy to reflect balanced diversification, combining energy leadership with rapid growth in renewables, healthcare, digital systems and advanced manufacturing.

“The scale of investment shows how the Middle East is shifting from resource reliance to technology-enabled growth,” Dash said.


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Abu Dhabi unveils $2bn Global Water Platform targeting 10 million beneficiaries

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Abu Dhabi has launched a $2 billion Global Water Platform aimed at strengthening water and food security in developing countries and expanding access to clean and safe water worldwide.

Developed by the Abu Dhabi Fund for Development (ADFD), the initiative will support high-impact water projects while championing innovative technologies and sustainable solutions for water resource management.

Goal to reach 10 million beneficiaries

The platform plans to mobilise $2 billion (Dh7.34 billion) in funding from local and international financing institutions. Its first phase will allocate $1 billion (Dh3.67 billion) over five years, from 2026 to 2030, to reach around 10 million beneficiaries globally.

The initiative aligns with the UN Sustainable Development Goal 6, which focuses on ensuring universal access to clean water and sanitation while promoting inclusive and resilient development.

Mohamed Saif Al Suwaidi, Director-General of ADFD, called on local and international partners to collaborate through joint financing, strategic partnerships and knowledge exchange to accelerate solutions that enhance water security and empower developing nations.

Fatima Ateeq Al Mazrouei, Support Services Department Director at ADFD, said the initiative will also finance innovative programmes, support scientific research and youth-led initiatives, and organise awareness campaigns focused on water-related challenges.

Why it matters to investors

  • Defensive, long-term asset class: Water infrastructure and security projects offer stable, long-duration returns backed by essential demand and government support.
  • $2bn capital mobilisation opportunity: Abu Dhabi’s platform signals a sizeable pipeline of bankable projects, co-financing opportunities and public-private partnerships across developing markets.
  • Climate-resilient growth sector: Rising water scarcity, population growth and climate pressure are driving sustained global investment into water, sanitation and food security solutions.
  • Policy-aligned investment: The platform aligns with UN SDG 6, increasing eligibility for development finance, blended capital structures and ESG-focused funds.
  • Innovation upside: Focus on pioneering technologies and scalable solutions opens opportunities for investors in water tech, infrastructure, data, desalination and resource management.
  • Strong sovereign backing: Led by the Abu Dhabi Fund for Development, the initiative benefits from institutional credibility, risk mitigation and long-term policy commitment.

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