This financial product allows the mortgage holder to pay fixed EMI on their mortgage, car, or other loans. Protects the mortgage holders from interest rate/profit share variations. Currently, UAE Central banks have increased the interest rates by 0.75%. Thus, the new mortgage holders in 2019-20 are significantly impacted by the recent interest rate hike causing them to make much higher EMI payments on their mortgages. This product can help mortgage holders from being exposed to interest rate hikes and make huge payments. Loan holders can enjoy fixed EMI throughout the mortgage period till its maturity.