<p>• 该合作伙伴关系强调了对支持迪拜房地产生态系统的共同承诺</p>
<p><strong>迪拜，阿联酋：</strong> 阿联酋国家银行（Emirates NBD），中东、北非和土耳其（MENAT）地区领先的银行集团，宣布与全球领先的奢侈房地产品牌 Sobha Realty 建立战略合作伙伴关系，为该高端开发商在迪拜的预售住宅项目的买家提供综合住房融资解决方案。</p>
<p>通过此次合作，阿联酋国家银行将为购买 Sobha 开发项目单位的合格客户提供量身定制的抵押贷款解决方案，使早期融资更加清晰，利率具有竞争力，并简化审批流程。</p>
<p>阿联酋国家银行零售银行和财富管理集团负责人 Marwan Hadi 表示：“阿联酋国家银行很高兴能成为迪拜房地产行业增长的催化剂，通过营造一个动态和支持性的生态系统来帮助购房者。作为一家本土银行机构，我们始终致力于建立能够赋能客户的合作伙伴关系，并在实现迪拜 2040 城市总体规划目标和维持阿联酋经济韧性方面发挥重要作用。与 Sobha Realty 的合作证明了我们持续支持可持续城市发展的承诺，并提供超越银行业务的价值。”</p>
<p>Sobha Realty 因其向后整合模式而受到认可，该模式将设计、工程、施工和质量控制都在内部管理。该集团在开发领域拥有五十年的专业经验，目前在迪拜有数千套住宅正在建设中，公司继续专注于交付以工艺、交付确定性和长期价值为特征的奢华住宅社区，满足业主和投资者的需求。</p>
<p>Sobha Realty 的董事总经理 Francis Alfred 在评论此次合作时表示：“迪拜房地产行业继续吸引多元化的全球买家群体，使得实现无缝和透明的购房旅程比以往任何时候都更加重要。通过与阿联酋国家银行的合作，我们在 Sobha 的购房旅程中嵌入了结构化的抵押贷款解决方案，使客户在购买预售房屋时能够享受早期的财务清晰度和更大的信心。这一合作反映了我们共同支持迪拜不断发展的房地产市场并提升整体客户体验的承诺。”</p>
<p>该合作伙伴关系将结构化抵押贷款解决方案直接整合到开发商的销售旅程中，支持购房者从预订到交房的整个过程，并超越传统的贷款方式。</p>
<p>对于客户而言，这意味着在预售购买阶段能够获得早期的财务可见性、更快的处理速度和简化的文档流程。通过在建设阶段提供更大的财务确定性，该合作使买家能够更有信心地做出明智的购房和投资决策。</p>
<p>该倡议进一步加强了金融机构与领先开发商之间的合作，支持迪拜房地产行业的结构化、透明和可持续增长，同时为实现迪拜 2040 城市总体规划的目标做出贡献。</p>
<p>新闻稿和图片链接：https://we.tl/t-mDmf1Hm1my8uApry</p>
<p><strong>关于阿联酋国家银行：</strong></p>
<p>阿联酋国家银行（DFM：Emirates NBD）是 MENAT（中东、北非和土耳其）地区领先的银行集团，在 13 个国家开展业务，服务超过 980 万活跃客户。截至 2025 年 12 月 31 日，总资产为 1.164 万亿阿联酋迪拉姆（约合 3170 亿美元）。该集团在阿联酋、埃及、印度、土耳其、沙特阿拉伯、新加坡、英国、奥地利、德国、俄罗斯和巴林开展业务，并在中国和印度尼西亚设有代表处，拥有 787 个分支机构和 4526 台自动取款机/自助服务终端。阿联酋国家银行是阿联酋领先的金融服务品牌，品牌价值为 45.4 亿美元。</p>
<p>阿联酋国家银行集团为客户（个人、企业、政府和机构）提供服务，帮助他们通过一系列银行产品和服务实现财务目标，包括零售银行、企业和机构银行、伊斯兰银行、投资银行、私人银行、资产管理、全球市场和财务管理以及经纪业务。该集团是全球数字银行行业的关键参与者，97% 的金融交易和请求在其分支机构之外进行。该集团还运营着 Liv，这是阿联酋国家银行推出的生活方式数字银行，用户接近 50 万，继续成为该地区增长最快的银行。</p>
<p>阿联酋国家银行通过成为全球首家发布与 IFRS S1 和 S2 对齐的报告并提供融资排放保证的银行，展示了其在可持续性方面的领导地位，并通过阿联酋伊斯兰银行发行全球首个与可持续发展挂钩的融资伊斯兰债券（500 百万美元），完全符合国际资本市场协会（ICMA）指南。阿联酋国家银行继续通过其开创性的志愿者交流项目与社区互动和支持，该项目在 2025 年完成 10 年，贡献了超过 16 万小时的社会事业服务，惠及超过 110 万受益者。</p>
<p>有关阿联酋国家银行的更多信息，请联系：</p>
<p>Ibrahim Sowaidan</p>
<p>高级副总裁</p>
<p>集团企业事务负责人</p>
<p>阿联酋国家银行</p>
<p>电话：+971 4 609 4113 / +971 50 6538937</p>
<p>电子邮件：ibrahims@emiratesnbd.com</p>
<p>Burson</p>
<p>迪拜，阿联酋</p>
<p>电话：971-4-4507600；</p>
<p>电子邮件：emiratesnbd@bursonglobal.com</p>
<p><strong>关于 Sobha Realty：</strong></p>
<p>Sobha Realty 是一家国际奢侈房地产开发商，致力于通过可持续社区重新定义生活艺术。该公司于 1976 年由富有远见的企业家 PNC Menon 在阿曼成立，最初是一家室内装饰公司，现已在阿联酋、阿曼和印度扩展了其业务。五十年来，Sobha Realty 通过利用其内在的设计、开发和施工能力，通过 “向后整合” 重新定义房地产价值链。如今，该公司已发展成为阿联酋最知名和高端的房地产开发商之一，旨在成为全球房地产开发商，其核心理念 “细节的艺术” 深深植根于组织的 DNA 中。凭借提前交付项目的良好记录，该公司在阿联酋拥有 15 个总体规划，并不断在城市中扩展其业务，推出众多其他重要项目。Sobha Hartland 是 Sobha Realty 的旗舰社区，现有超过 11,000 名居民，而 Sobha Siniya Island 是开发商的第一个岛屿项目，提供奢华别墅、豪宅和度假村，坐落于宁静的岛屿环境中。</p>
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美国房地产 ETF - SPDR

阿联酋指数 MSCI ETF - iShares

<p>阿联酋国家银行与 Sobha Realty 合作，为迪拜的期房住宅项目提供综合住房融资解决方案。此次合作旨在通过提供量身定制的抵押贷款解决方案，提升购房体验，确保早期的财务透明度、具有竞争力的利率以及简化的审批流程。该合作支持迪拜的房地产生态系统，并与迪拜 2040 城市总体规划相一致，促进可持续的城市发展和在建设阶段为买家提供财务确定性</p>

<p>• Partnership underscores shared commitment to supporting Dubai’s real estate ecosystem</p>
<div class="lb-trans"><p>• 该合作伙伴关系强调了对支持迪拜房地产生态系统的共同承诺</p>
</div><p><strong>Dubai, UAE:</strong> Emirates NBD, a leading banking group in the Middle East, North Africa and Türkiye (MENAT) region, has announced a strategic partnership with Sobha Realty, a leading luxury real-estate brand globally; to provide integrated home financing solutions for buyers of the premium luxury developer’s off-plan residential developments across Dubai.</p>
<div class="lb-trans"><p><strong>迪拜，阿联酋：</strong> 阿联酋国家银行（Emirates NBD），中东、北非和土耳其（MENAT）地区领先的银行集团，宣布与全球领先的奢侈房地产品牌 Sobha Realty 建立战略合作伙伴关系，为该高端开发商在迪拜的预售住宅项目的买家提供综合住房融资解决方案。</p>
</div><p>Through this collaboration, Emirates NBD will offer tailored mortgage solutions to eligible customers purchasing units in Sobha’s developments, enabling early-stage financing clarity, competitive rates and a streamlined approval process.</p>
<div class="lb-trans"><p>通过此次合作，阿联酋国家银行将为购买 Sobha 开发项目单位的合格客户提供量身定制的抵押贷款解决方案，使早期融资更加清晰，利率具有竞争力，并简化审批流程。</p>
</div><p>Marwan Hadi, Group Head of Retail Banking and Wealth Management at Emirates NBD, said: “Emirates NBD is delighted to be a catalyst of Dubai’s real estate sector growth by fostering a dynamic and supportive ecosystem for homebuyers. As a homegrown banking institution, we remain committed to forging partnerships that empower our customers and play a vital role in achieving the goals of Dubai 2040 Urban Master Plan and sustaining the resilience of the UAE economy. This collaboration with Sobha Realty is a testament to our ongoing dedication to supporting sustainable urban development and providing value beyond banking.”</p>
<div class="lb-trans"><p>阿联酋国家银行零售银行和财富管理集团负责人 Marwan Hadi 表示：“阿联酋国家银行很高兴能成为迪拜房地产行业增长的催化剂，通过营造一个动态和支持性的生态系统来帮助购房者。作为一家本土银行机构，我们始终致力于建立能够赋能客户的合作伙伴关系，并在实现迪拜 2040 城市总体规划目标和维持阿联酋经济韧性方面发挥重要作用。与 Sobha Realty 的合作证明了我们持续支持可持续城市发展的承诺，并提供超越银行业务的价值。”</p>
</div><p>Sobha Realty is recognised for its Backward Integration model, where design, engineering, construction and quality control are managed in-house. With five decades of development expertise within the Group and thousands of homes currently under construction across Dubai, the company continues to focus on delivering luxury residential communities defined by craftsmanship, delivery certainty, and long-term value for homeowners and investors.</p>
<div class="lb-trans"><p>Sobha Realty 因其向后整合模式而受到认可，该模式将设计、工程、施工和质量控制都在内部管理。该集团在开发领域拥有五十年的专业经验，目前在迪拜有数千套住宅正在建设中，公司继续专注于交付以工艺、交付确定性和长期价值为特征的奢华住宅社区，满足业主和投资者的需求。</p>
</div><p>Commenting on the collaboration, Francis Alfred, Managing Director, of Sobha Realty, said: “Dubai real estate sector continues to attract a diverse global buyer base, and enabling a seamless and transparent homeownership journey is more important than ever. Through our partnership with Emirates NBD, we are embedding structured mortgage solutions within Sobha’s home-buying journey, allowing customers to benefit from early financial clarity and greater confidence when purchasing off-plan homes. This collaboration reflects our shared commitment to supporting Dubai’s evolving property landscape and enhancing the overall customer experience.”</p>
<div class="lb-trans"><p>Sobha Realty 的董事总经理 Francis Alfred 在评论此次合作时表示：“迪拜房地产行业继续吸引多元化的全球买家群体，使得实现无缝和透明的购房旅程比以往任何时候都更加重要。通过与阿联酋国家银行的合作，我们在 Sobha 的购房旅程中嵌入了结构化的抵押贷款解决方案，使客户在购买预售房屋时能够享受早期的财务清晰度和更大的信心。这一合作反映了我们共同支持迪拜不断发展的房地产市场并提升整体客户体验的承诺。”</p>
</div><p>The partnership integrates structured mortgage solutions directly within the developer sales journey, supporting homebuyers from booking through to handover and extending beyond traditional lending.</p>
<div class="lb-trans"><p>该合作伙伴关系将结构化抵押贷款解决方案直接整合到开发商的销售旅程中，支持购房者从预订到交房的整个过程，并超越传统的贷款方式。</p>
</div><p>For customers, this translates into early financial visibility, faster processing and simplified documentation during the off-plan purchase stage. By providing greater financial certainty during the construction phase, the collaboration empowers buyers to make informed homeownership and investment decisions with greater confidence.</p>
<div class="lb-trans"><p>对于客户而言，这意味着在预售购买阶段能够获得早期的财务可见性、更快的处理速度和简化的文档流程。通过在建设阶段提供更大的财务确定性，该合作使买家能够更有信心地做出明智的购房和投资决策。</p>
</div><p>The initiative further strengthens collaboration between financial institutions and leading developers, supporting structured, transparent and sustainable growth within Dubai’s property sector while contributing to the objectives of the Dubai 2040 Urban Master Plan.</p>
<div class="lb-trans"><p>该倡议进一步加强了金融机构与领先开发商之间的合作，支持迪拜房地产行业的结构化、透明和可持续增长，同时为实现迪拜 2040 城市总体规划的目标做出贡献。</p>
</div><p>Press release and image link: https://we.tl/t-mDmf1Hm1my8uApry</p>
<div class="lb-trans"><p>新闻稿和图片链接：https://we.tl/t-mDmf1Hm1my8uApry</p>
</div><p><strong>About Emirates NBD:</strong></p>
<div class="lb-trans"><p><strong>关于阿联酋国家银行：</strong></p>
</div><p>Emirates NBD (DFM: Emirates NBD) is a leading banking group in the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving over 9.8 million active customers. As of 31st December 2025, total assets were AED 1.164 trillion, (equivalent to approx. USD 317 billion). The Group has operations in the UAE, Egypt, India, Türkiye, the Kingdom of Saudi Arabia, Singapore, the United Kingdom, Austria, Germany, Russia and Bahrain and representative offices in China and Indonesia with a total of 787 branches and 4,526 ATMs / SDMs. Emirates NBD is the leading financial services brand in the UAE with a Brand value of USD 4.54 billion.</p>
<div class="lb-trans"><p>阿联酋国家银行（DFM：Emirates NBD）是 MENAT（中东、北非和土耳其）地区领先的银行集团，在 13 个国家开展业务，服务超过 980 万活跃客户。截至 2025 年 12 月 31 日，总资产为 1.164 万亿阿联酋迪拉姆（约合 3170 亿美元）。该集团在阿联酋、埃及、印度、土耳其、沙特阿拉伯、新加坡、英国、奥地利、德国、俄罗斯和巴林开展业务，并在中国和印度尼西亚设有代表处，拥有 787 个分支机构和 4526 台自动取款机/自助服务终端。阿联酋国家银行是阿联酋领先的金融服务品牌，品牌价值为 45.4 亿美元。</p>
</div><p>Emirates NBD Group serves its customers (individuals, businesses, governments, and institutions) and helps them realise their financial objectives through a range of banking products and services including retail banking, corporate and institutional banking, Islamic banking, investment banking, private banking, asset management, global markets and treasury, and brokerage operations. The Group is a key participant in the global digital banking industry with 97% of all financial transactions and requests conducted outside of its branches. The Group also operates Liv, the lifestyle digital bank by Emirates NBD, with close to half a million users, it continues to be the fastest-growing bank in the region.</p>
<div class="lb-trans"><p>阿联酋国家银行集团为客户（个人、企业、政府和机构）提供服务，帮助他们通过一系列银行产品和服务实现财务目标，包括零售银行、企业和机构银行、伊斯兰银行、投资银行、私人银行、资产管理、全球市场和财务管理以及经纪业务。该集团是全球数字银行行业的关键参与者，97% 的金融交易和请求在其分支机构之外进行。该集团还运营着 Liv，这是阿联酋国家银行推出的生活方式数字银行，用户接近 50 万，继续成为该地区增长最快的银行。</p>
</div><p>Emirates NBD demonstrates leadership in sustainability by becoming the first bank globally to publish an IFRS S1 and S2-aligned report along with assurance of financed emissions and through the landmark issuance of the world’s first Sustainability-Linked Financing Sukuk by Emirates Islamic of USD 500 million fully aligned with ICMA guidelines. Emirates NBD continues to engage and support communities through its pioneering exchanger volunteer programme which completed 10 years in 2025 with over 160,000 hours contributed to social causes for over 1.1 million beneficiaries.</p>
<div class="lb-trans"><p>阿联酋国家银行通过成为全球首家发布与 IFRS S1 和 S2 对齐的报告并提供融资排放保证的银行，展示了其在可持续性方面的领导地位，并通过阿联酋伊斯兰银行发行全球首个与可持续发展挂钩的融资伊斯兰债券（500 百万美元），完全符合国际资本市场协会（ICMA）指南。阿联酋国家银行继续通过其开创性的志愿者交流项目与社区互动和支持，该项目在 2025 年完成 10 年，贡献了超过 16 万小时的社会事业服务，惠及超过 110 万受益者。</p>
</div><p>For further information on Emirates NBD, please contact:</p>
<div class="lb-trans"><p>有关阿联酋国家银行的更多信息，请联系：</p>
</div><p>Ibrahim Sowaidan</p>
<div class="lb-trans"><p>Ibrahim Sowaidan</p>
</div><p>Senior Vice President</p>
<div class="lb-trans"><p>高级副总裁</p>
</div><p>Head - Group Corporate Affairs</p>
<div class="lb-trans"><p>集团企业事务负责人</p>
</div><p>Emirates NBD</p>
<div class="lb-trans"><p>阿联酋国家银行</p>
</div><p>Telephone: +971 4 609 4113 / +971 50 6538937</p>
<div class="lb-trans"><p>电话：+971 4 609 4113 / +971 50 6538937</p>
</div><p>e-mail: ibrahims@emiratesnbd.com</p>
<div class="lb-trans"><p>电子邮件：ibrahims@emiratesnbd.com</p>
</div><p>Burson</p>
<div class="lb-trans"><p>Burson</p>
</div><p>Dubai, UAE</p>
<div class="lb-trans"><p>迪拜，阿联酋</p>
</div><p>Tel: 971-4-4507600;</p>
<div class="lb-trans"><p>电话：971-4-4507600；</p>
</div><p>Email: emiratesnbd@bursonglobal.com</p>
<div class="lb-trans"><p>电子邮件：emiratesnbd@bursonglobal.com</p>
</div><p><strong>About Sobha Realty:</strong></p>
<div class="lb-trans"><p><strong>关于 Sobha Realty：</strong></p>
</div><p>Sobha Realty is an international luxury developer committed to redefining the art of living through sustainable communities. Established in 1976 as an interior decoration firm in Oman by the visionary entrepreneur PNC Menon, the company has grown its presence with developments and investments in the UAE, Oman, and India. For five decades, Sobha Realty has been redefining the real estate value chain through ‘Backward Integration’ by leveraging its inherent in-house capabilities of design, development and construction. Today, the firm has developed into one of the most prominent and premium real estate developers in the UAE and aims to become a global real estate developer with its essence, ‘The Art of Detail,’ remaining deeply embedded in the organisation’s DNA. With a proven track record of delivering projects ahead of schedule, the company has 15 masterplans across the UAE and is continually expanding its presence in the city with numerous other prominent projects. The flagship community of Sobha Hartland is a thriving community that is home to 11,000-plus residents, while Sobha Siniya Island, the developer’s first island project, features luxury villas, mansions, and resorts in a serene island setting.</p>
<div class="lb-trans"><p>Sobha Realty 是一家国际奢侈房地产开发商，致力于通过可持续社区重新定义生活艺术。该公司于 1976 年由富有远见的企业家 PNC Menon 在阿曼成立，最初是一家室内装饰公司，现已在阿联酋、阿曼和印度扩展了其业务。五十年来，Sobha Realty 通过利用其内在的设计、开发和施工能力，通过 “向后整合” 重新定义房地产价值链。如今，该公司已发展成为阿联酋最知名和高端的房地产开发商之一，旨在成为全球房地产开发商，其核心理念 “细节的艺术” 深深植根于组织的 DNA 中。凭借提前交付项目的良好记录，该公司在阿联酋拥有 15 个总体规划，并不断在城市中扩展其业务，推出众多其他重要项目。Sobha Hartland 是 Sobha Realty 的旗舰社区，现有超过 11,000 名居民，而 Sobha Siniya Island 是开发商的第一个岛屿项目，提供奢华别墅、豪宅和度假村，坐落于宁静的岛屿环境中。</p>
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ZAWYA: Emirates NBD and Sobha Realty partner to offer integrated home financing solutions for off-plan projects in Dubai

Zawya

State Street Corp.

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道琼斯房地产投资信托 ETF - SPDR

房地产ETF

WisdomTree New Economy Real Estate Fund

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南方中证全指房地产ETF

美国房地产投资信托 ETF - Charles Schwab

美国房地产 ETF - Vanguard

全球房地产投资信托 ETF - iShares

华夏中证全指房地产ETF

全球房地产股指数 ETF - SPDR

ZAWYA：Emirates NBD 与 Sobha Realty 合作，为迪拜的期房项目提供一体化住房融资解决方案