Dubai offers a strong social welfare system that extends to the housing sector. Citizens facing financial difficulties can access government-backed housing support programmes. These are designed to help them maintain their property commitments during tough times. One such initiative allows eligible applicants to postpone housing aid instalments or request a reduction in instalments through the Ministry of Energy and Infrastructure (MOEI). This service is for those already receiving housing assistance but experiencing financial constraints. Understanding the application steps can help ensure timely support for those in need.
Step-by-Step Process of Postponing Or Reducing Housing Assistance Instalment Requests in Dubai
The government has set a clear and structured process to help UAE nationals postpone housing aid instalments. It covers everything from eligibility checks to final approval, ensuring applicants meet all the required conditions. The following are the key steps for the overall process.
Application Process
The application process involves the following steps:
- Log in using your UAE Pass account via the MOEI website.
- Access the service title ‘Zayed Housing Program’, then ‘Housing Services’ and then ‘Postponing or Reducing Housing Assistance Instalment Request’.
- Provide the necessary information in the online form.
- Upload the required stamped documents (digital stamps are accepted).
- Submit the application.
- Complete the satisfaction survey upon submission on the MOEI website.
Required Documents
The following documents must be submitted.
For postponement: An updated and detailed salary certificate is required.
For reduction: An updated and detailed salary certificate is required.
Expected Timeframe
The application will be processed within 10 Working Days
- Service Channels
- Website: www.moei.gov.ae – 24/7
- Happiness Service Centres: According to the service centre working hours (Dubai, Ras Al Khaimah, Fujairah)
Who Can Apply
The following categories of UAE Nationals are eligible to apply for this service:
- Senior UAE National
- Women of Determination
- Widow
- Divorced
- Parentless
- Married to a non-citizen
- Parentage unknown
Partner Government Authorities
The application process for postponing or reducing housing assistance instalments is supported by several government entities across the UAE, including:
- Emirates Development Bank
- Al Etihad Credit Bureau
Terms and conditions
Before applying, applicants must understand the following terms and conditions:
Postponement Conditions:
- Monthly income must be AED 30,000 or less.
- The applicant must prove they are unable to pay the instalments.
- The applicant must be committed to paying instalments regularly.
- A direct debit form must be signed with the Emirates Development Bank.
- If the applicant is asked to provide any documents or clarifications, they must submit them within 30 days. If not, the request will be cancelled.
- Applicants can only apply for postponement once per calendar year.
Reduction Conditions:
- The applicant’s income must have decreased by 20% or more.
- If the income drops by less than 20%, the total monthly income must be AED 30,000 or less. Also, each dependent family member should have an average monthly income not exceeding AED 5,000.
FAQs
Are there any penalties for deferring housing support payments?
Penalties may apply for deferring housing support payments in Dubai, depending on the case and the reason for the delay.
How long can instalments be postponed?
Instalments can be postponed until the final stage of the loan, as long as the delay was not caused by the beneficiary. The beneficiary may choose to reschedule the payments, but the total loan period must not go beyond the original loan term.
How many times can I apply for this service?
UAE nationals can apply for this service once per year.
This was all about the postpone housing aid instalments. Eligible UAE nationals facing income-related difficulties can use this service to manage their housing commitments without breaching loan terms.
For more serious financial challenges, applicants may also explore the Housing Assistance Loan Exemption Request in Dubai, based on their situation and the conditions outlined by the MOEI.
For more updates on housing support services in Dubai, stay tuned to dubizzle property blog.
