Pay Monthly Frequently Asked Questions

Rent in 12 is a rent now pay later payment option available on selected Property Finder listings, powered by Keyper. It lets you split your annual rent into 12 monthly payments on your debit or credit card, instead of paying upfront in cheques. It was previously called Pay Monthly.

You verify your income, choose a home, and sign your tenancy contract. Your landlord receives their payment as agreed, and you pay rent monthly in 12 instalments instead of writing cheques.

You can verify your income before you start looking, so you know your budget while you browse.

With Rent in 12 you pay rent using credit card or debit card across 12 instalments, rather than handing over post-dated cheques. Your landlord still gets paid as agreed, and the pay rent with card convenience keeps more cash on hand each month.

Yes. Rent in 12 is powered by Keyper, which is regulated by the ADGM Financial Services Authority. Your tenancy runs under UAE rental law in the normal way, and your card payments are processed securely.

You need a minimum monthly income of AED 8,500, an annual rent between AED 30,000 and AED 400,000, and a UAE-issued credit card for paying rent or a local debit card. The service is available to residential tenants in Dubai. American Express is not accepted.

Some senior or ownership-level employment roles aren’t supported at the moment.

Yes. Applications from freelancers, business owners, and new UAE residents are reviewed case by case, based on the income and documents you provide.

Homes that offer it carry a tag showing the estimated monthly amount, so you can see the monthly figure while you browse. You can also filter your search to show only those homes.

Open the home you want and choose the monthly payment option to start. You apply in the Property Finder app, so if you’re on the website, scan the QR code on the listing to get the app and pick up where you left off.

Rent in 12 is available on residential listings in Dubai with annual rent between AED 30,000 and AED 400,000. Commercial properties and short-term rentals aren’t eligible.

Rent in 12 isn’t available below the AED 8,500 minimum. Property Finder still has thousands of homes you can rent through the standard process.

If you connect your bank securely, it takes about 4 minutes. If you upload bank statements instead, it can take up to 1 business day.

Try the other method. If you uploaded statements, connecting your bank usually gives a clearer read of your salary, and if the bank connection didn’t work, upload statements instead.

Statements need to clearly show your name, your account details, and your income for the last 3 months. If it still doesn’t go through, email paymonthly.support@propertyfinder.ae with your application reference.

Yes. The connection is encrypted and read-only, so no payments can be initiated from it. It’s used only to verify your income.

Once your income is verified, we work out the highest annual rent you can comfortably cover, based on your verified income and your existing financial commitments. That’s your budget.

You’ll see the figure on your dashboard, with the date it expires, and you can filter your search to homes within it.

Your approved budget has an expiry date, shown on your dashboard. It’s usually around 90 days from approval, but read the date on your dashboard rather than counting days.

Once it expires, verify your income again to get a new budget. You can use the same approval on as many homes as you like until then.

Your Emirates ID, your passport, and your bank statements if you chose to upload statements rather than connect your bank.

The tenancy documents are the tenancy contract, the unit’s title deed, the landlord’s verification documents, and the landlord’s bank details. Your dashboard tells you if anything is needed from you, and your agent handles the landlord’s side.

Usually up to 4 business hours once everything has been submitted. Your dashboard tells you that your Rent in 12 plan is being set up while Keyper reviews the documents, and your contract becomes ready to sign as soon as they’re approved.

If more than 4 business hours have passed, email paymonthly.support@propertyfinder.ae with your application reference.

You’ll see the reason in the app. Check that your documents are clear and valid, and that the details match your application, then submit them again.

The TPMA, or Tenant Payment Management Agreement, is your tenancy contract under Rent in 12. It sets out your rent amount, your monthly payment plan, and the terms of your tenancy. You can review the full contract in the app before signing.

Rent in 12 payments are made with a UAE-issued credit or debit card. Setting up a secure credit card payment for rent means your monthly payments are collected automatically, so you can pay rent through credit card channels or a local debit card. American Express is not accepted, and you need a local UAE bank account.

Your first monthly rent payment is due before your landlord’s first transfer is initiated. Check your card is active and has sufficient funds before that date.

Your first payment covers three things: your first month’s rent, the Digital Management Fee, which is Keyper’s service fee, and your security deposit. You’ll see the full breakdown and the total on your dashboard before you confirm.

Agency commission and utility deposits aren’t included. You pay those as you normally would.

Usually within 1 to 2 working days of your first payment. During that time, Keyper countersigns the agreement and authorises the first payment to your landlord.

After signing, you can view and download your signed contract from your dashboard at any time.

We retry the charge up to three times the same day. If it still doesn’t go through, an AED 1,000 late payment fee applies, then an additional AED 100 per day while it stays unresolved, capped at AED 3,000 in total. You can retry the payment yourself at any time from your dashboard.

Check that your card is UAE-issued, that the details are correct, and that you have sufficient funds available. You can try the payment again from the app, or add a different card.

If it still fails, email paymonthly.support@propertyfinder.ae with your application reference.

Yes. You can update your payment card at any time from your application dashboard or your Property Finder account settings.

Open your application dashboard on Property Finder. You’ll see your full payment schedule, including upcoming amounts and dates.

Yes. You can end your tenancy early, but fees apply as set out in your contract. Email paymonthly.support@propertyfinder.ae to start the process and get the exact breakdown. See Termination and disputes for the full picture.

No. While you have an active Rent in 12 tenancy, your account can’t be deleted, because your payment schedule and signed agreement are attached to it. The app tells you why when you try.

Once your tenancy ends and any outstanding payments are settled, you can delete your account in the normal way.

Email paymonthly.support@propertyfinder.ae with your application reference, the date and amount in question, and a short description of the issue. We’ll investigate and keep you updated.

Disputes between you and your landlord, for example about maintenance or the property condition, are handled separately under your tenancy contract. If the issue affects your rent, contact us and we’ll help where we can.

Yes. You can stop the application at any time before signing. Your approved budget stays valid until the expiry date shown on your dashboard, so you can use it to apply for another property until then without verifying your income again.

Contact support as soon as you can. We’ll review your situation and let you know what options are available under your contract terms.

Your security deposit is held under the terms of your tenancy contract with the landlord, and returned at the end of the tenancy in line with those terms. Contact us if you need help with the return process.

No. Applying for Rent in 12, or being rejected, does not affect your credit score.

Yes. Once your tenancy is active, your monthly payment behaviour is reported to the Al Etihad Credit Bureau (AECB). Missed or late payments will negatively affect your AECB credit score, while paying on time supports your credit profile.

Email paymonthly.support@propertyfinder.ae with your application reference. Most queries are answered within 1 to 4 business hours, Monday to Saturday, 9am to 6pm GST. Cases that need Keyper to review something can take longer.

There’s one exception. If you see a message saying your email or phone number is already linked to an existing Keyper account, email support-rnpm@realkeyper.com with the subject Property Finder - Account Linking Issue. Only Keyper can unlink an account.