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Postponing or reducing housing assistance instalment

This service allows postponing or reducing the housing assistance instalment for those who are unable to pay the housing assistance instalment or who have a decrease in monthly income.

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How to apply

Terms and conditions

  1. Postponement Terms:
  2. The total monthly income does not exceed thirty thousand dirhams.
  3. Prove that the beneficiary is unable to pay the premium.
  4. Commitment to periodic payment of monthly instalments
  5. Signing the direct debit form from the Emirates Development Bank
  6. Apply once a year, with the exception of humanitarian cases (such as job loss)
  7. 6If any additional clarifications, information or documents are requested within a period not exceeding thirty days from the date of their request, and they are not provided, the request will be cancelled.
  8. Reduction terms:
  9. A decrease in the beneficiary's monthly income by 20% or more
  10. A decrease in the beneficiary’s monthly income by less than 20%, provided that the total monthly income after the reduction does not exceed (30,000) thirty thousand dirhams, and the average income of the individual in the dependent family does not exceed (5,000) five thousand dirhams per month

At a glance

Processing time
7 Working Days
Where to get this service
  1. Ministry of Energy & Infrastructure Website
  2. Ministry of Energy & Infra(MOEI)
  3. Customer Happiness Center - Fujairah
  4. Customer Happiness Center - RAS Al Khaima
  5. Service delivery window - Ajman
  6. Customer Happiness Center - Dubai
Who can apply

Individuals

  1. Individuals (UAE National, Senior UAE National, Special Needs)
  2. Women (widow, divorced, parentless, interpretation of married to an expatriate, Parentage unknown)
Partners
  •  Emirates Development Bank.
  • Al Etihad Credit Bureau.
User guide

Please check the user guide (PDF) for using the system in order to apply for the service.

Service type
Procedural
Sector
Housing

Frequently asked questions

Required documents

  1. Postponing documents 1. Detailed salary certificate
  2. Reduction Documents: 1. Updated Salary Certificate

Need help with this service?

info@moei.gov.ae800 6634

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Last updated: 7 September 2026