Unlock up to 50% of your property value. Fast
Get an offer within 24 hours and receive cash in 1–5 business days.
No banks. No income proof. No unnecessary paperwork.
No banks. No income proof. No unnecessary paperwork.
Getting liquidity in the UAE should not be this complicated.
Most property owners need cash quickly, but the usual options involve weeks of waiting, long document lists and unclear decisions.
They ask for income proof, salary certificates, credit checks and long forms. And even after all that, the application can still be rejected.
Alma offers a faster way to access liquidity through your property.
Alma offers a faster way to access liquidity through your property.
- a simple process
- an offer in 24 hours and
- a legal transfer through a DLD trustee office
How It Works
Note: The whole process from application to receiving funds usually takes 1 to 5 business days.
Step 1. Apply online
Send your property details. It takes two minutes. No income or employment documents.
Step 2. Get an offer in 24 hours
We review the property and send you a personalised offer.
Step 3. Sign and complete the transfer
The sale is completed through a DLD trustee office. Alma manages the entire process.
Step 4. Receive your funds immediately
Once the transfer is completed, the funds are released to you on the spot.
Step 5. Buy-back option
If you choose to, you can repurchase the property within 1 to 3 years at a fixed price.
Why clients choose Alma
Clear advantages that make the process easier
-
Offer within 24 hours - Cash in 1 to 5 business days
- No income or employment proof
- Clear DLD process
- Option to stay through a lease
- Shariah-compliant structure available
A simple example of how the product works
Say you own an apartment, villa or office valued at AED 2,000,000 and you need cash.
Here is what this looks like with Alma.
Here is what this looks like with Alma.
- Equity ReleaseCash you receive now
AED 1,000,000 (50% of your property value)
Timeline
The full process usually takes 1 to 5 business days from the moment you apply
Ownership during the term
Title is transferred to Alma for the agreed period - Rent (if you stay in)Annual rent
7% of the market value
AED 140,000 per year for a AED 2M property
If you prefer to live elsewhere
You can move out and Alma will rent the property out directly and handle everything
Utilities and bills
Remain with the occupier (you or the tenant, depending on the setup) - Buy-Back OptionYour exclusive buy-back right
You have the exclusive right to repurchase the property. No one else can buy it during the agreed term
Fixed price
AED 1,200,000 (60% of the property value), fixed from day one
Timing
You can use your buy-back right any time within 2 years
Who can apply
-
UAE residents and foreign owners - Property value from AED 1M to AED 10M
- Completed property with a valid title deed
- Apartments, villas, townhouses and offices