Indicative offer — extra work next
Ref ALT-2026-1002 · case-1002 · Priya Sharma
The position stays indicative until bank gates complete: valuation, Shariah sample, and credit confirm. Nothing funds without them.
Indicative position
A soft position from digital data and the policy pre-check. Specialist handling is required before a formal offer. No bureau pull.
Finance
AED 1,680,000
Monthly
AED 10,857
indicative
Profit rate
4.75%
Tenure
20 yrs
FTV 70%
Credit view: not pulled · Bureau not pulled — cost control. Assisted files stay indicative until the specialist desk and bank gates complete.
- · Specialist handling on the assisted desk
- · Assisted assessment fee, if due
- · Then the same bank gates: valuation, Shariah, credit
- · A confirmed offer letter only after those gates
Next: assisted desk (and the fee if due), then bank gates before any confirmed letter.
Assisted rail — indicative position from digital data and policy pre-check. No bureau pull. A confirmed letter only after the assisted desk and bank gates.
Bank stage: Shariah review
Forward Ijarah · AED 1,680,000 · Sharjah
Submitted
Your application and documents are with the bank.
Bank review
Officers check identity and income. The bank orders valuation. You do not upload a valuation report.
Credit & Shariah
Bank credit and Shariah desks work the file under board rules.
Bank decision
Only the bank issues a final offer or a decline. Not the app.
Funded
Facility funded after bank closing steps.
Latest update
Assist: Shariah structure memo ready
Forward Ijarah construction-phase ownership and rental structure. Officer must read memo and confirm or escalate.
4:10:00 PM
Officer locked bank valuation
Tier-A developer. Escrow verified. FTV 70%. Report verified only after lock.
9:15:00 AM
Pre-qualification accepted
DBR 41%. Officer accepted draft subject to valuation.
12:20:00 PM