You’re privileged to be in a very unique position, should you choose to take advantage of it !

Take advantage of the UAE unique lending facilities whereby working for the Emirates Group or other reputable companies you are eligible for an unsecured personal loan from any UAE bank for high loan amounts (maximum of 250,000 DH), at very affordable interest rates.  The key reason you do not require any security (unsecured loan) is you work for Emirates or other reputable companies so as a consequence are categorized as a lower risk to the bank. 

Additionally personal loans obtainable in the UAE are unusually high amounts (maximum 250,000 DH) with very reasonable interest rates - as compared to other parts of the world. 

Property Concepts is in a position to present you with an exceptional investment opportunity that is usually the reserve of very wealthy individuals. 

That is: 

1. Capital Guaranteed Investment (the funds you invest are protected) Terms & conditions apply
2. 30% Return On Investment (profit)
3. 12 Month Term
4. 50,000 DH Minimum Investment Amount

Elsewhere in the world this opportunity would effectively not be possible due to:

1. high unsecured personal loan interest rates
2. small amounts of money you can borrow unsecured (with no security) as a personal loan
3. a booming property market and economy in Dubai and the UAE
4. a company such as Property Concepts offering a 30% return on investment - (a rate of return far higher than you are borrowing at)

Property Concepts is here to “guide and support” you through the process so you may benefit from this opportunity.

Property Concepts genuinely WANT YOU to walk away after leaving Emirates with some great times, wonderful memories but what's more, some SAVINGS.

1. Collectively, the management team of Nigel & Rory, both fellow colleagues & Captains on the B777, have 17 years of resident experience in the Dubai marketplace. With a grassroots understanding of the unique challenges of the Middle-East business culture, and sound relationships with some of Dubai’s most lauded business minds, Property Concepts was established to help investors navigate the terrain of UAE property investment opportunities.
2. Nigel & Rory co- invest alongside you in all our projects.
3. The amount you borrow (invest with Property Concepts) is Capital Guaranteed (the funds you invest are protected).
4. Property Concepts doesn’t want you to squander this opportunity by borrowing and spending your money on depreciating assets (ones that go down in value such as cars, electronics, credit card debt, unnecessary spending, etc).  Take advantage of your position and secure yourself a financially better future with minimal effort!
5. Go in with your fellow crew members as investors with Property Concepts
6. Don’t procrastinate - commit, borrow, invest and wait 1 year.
7. Property Concepts purpose is to inspire you to take action.  That’s it, pure and simple!

1. You borrow 100,000 DH from your local Dubai bank as a personal loan which you invest with Property Concepts for a period of 1 year.
2. Your costs are approximately 2133 DH per month (you must be able to afford these repayments for one year only).  This amount is “part interest and part principle”.
3. At the end of 1 year the loan has cost you 5600 DH interest - which you have paid already in your monthly installments.
4. At the end of 1 year you will have paid back 20,000 DH principle - as part of your monthly installments.
5. You still owe the bank 80,000 DH which they (the bank) will charge you 2400 DH - as an early settlement penalty as you are going to pay the loan back ahead of schedule.
6. Property Concepts will pay you 30,000 DH profits (30% on your 100,000 DH investment)
7. TOTAL COST: 8000 DH (5600 DH interest + 2400 DH early repayment penalty)
   TOTAL PROFIT: from Property Concepts paid to you after 1 year 30,000 DH
   NET PROFIT: (what you actually make) 30,000 DH (profit) - 8000 DH (costs) = 22,000 DH PROFIT on borrowed money after one year!
8. You have made 22,000 DH profit on money you never had!
   * (All figures based on a 8.5% reducing balance interest rate and standard bank fees and charges)

1. You borrow 250,000 DH from your local Dubai bank as a personal loan which you invest with Property Concepts for a period of 1 year.
2. Your costs are approximately 5332 DH per month (you must be able to afford these repayments for one year only).  This amount is “part interest and part principle”.
3. At the end of 1 year the loan has cost you 14000 DH interest - which you have paid already in your monthly installments.
4. At the end of 1 year you will have paid back 50,000 DH principle - as part of your monthly installments.
5. You still owe the bank 200,000 DH which they will charge you 5000 DH - as an early settlement penalty as you are going to pay the loan back ahead of schedule.
6. Property Concepts will pay you 75,000 DH profits (30% on your 100,000 DH investment)
7. TOTAL COST: 19,000 DH (14000 DH interest + 5000 DH early repayment penalty)
   PROFIT: from Property Concepts paid to you after 1 year 75,000 DH
   NET PROFIT: (what you actually make) 75,000 DH – 19,000 DH = 56,000 DH profit on borrowed money after one year!
8. You have made 56,000 DH profit on money you never had!
   * (All figures based on a 8.5% reducing balance interest rate and standard bank fees and charges)

• Example A & B is just two examples - you can borrow any amount you wish up to 250,000 DH.

1. Step 1     Make sure you understand and are comfortable with the investment concept from the Property Concepts brochure.
2. Step 2     Go to www.propertyconceptsdubai.com and review the “investment concept, facts & figures (Example A,B,C) and FAQ” (frequently asked questions) on UAE personal loan investments.
3. Step 3     Make sure you can afford the funds/money for the monthly repayments for 1 year.
4. Step 4     Contact either Nigel or Rory to book an appointment for further clarification.
5. Step 5     Contact your bank and organize the appropriate forms to complete application (see below).
6. Step 6     When borrowed funds are in your account then organize payment to Property Concepts.
7. Step 7     Wait 1 year and earn 22,000 DH to 56,000 DH profit on your personal loan!

1. Bank guarantee letter
2. Salary certificate letter
3. Last 3 months bank statements 
4. Passport copy and residence visa page

Note: If required, Property Concepts can provide phone numbers for the main UAE banks that will make your application easier.