Question 1

What is Fidora?

Accepted Answer

Fidora helps you explore a stronger rental offer and spread rent repayments monthly. We support you through the application, documents and coordination needed to put an approved arrangement in place. Fidora is operated by Prop Flow Technologies Limited, with financing delivered through a regulated financial institution.

Question 2

How can Fidora help me negotiate better rent?

Accepted Answer

A landlord may prefer a single-cheque payment to several payments across the year. That can give you a useful starting point for negotiating the annual rent or lease terms. Fidora helps you explore that payment option while keeping your own repayments monthly. Any discount remains subject to agreement with your landlord.

Question 3

Will I definitely save money?

Accepted Answer

No. Your overall saving depends on the rent you negotiate and the full cost of the monthly payment arrangement. Compare your agreed annual rent plus all financing charges and fees with the alternative rental offer. A lower rent can be partly or fully offset by financing costs.

Question 4

What are the steps?

Accepted Answer

Shortlist your preferred properties and discuss the rent for a single-cheque offer. Check eligibility through Fidora, review the available terms, and finalise the arrangement with your landlord. Complete the required documents and checks, then follow the approved rent-payment and monthly-repayment schedule.

Question 5

Who can apply?

Accepted Answer

Eligibility depends on factors such as residency, income, existing financial commitments, the amount requested and the tenancy. Share your details through Fidora so we can explain the requirements relevant to your application. Submitting an enquiry does not guarantee approval.

Question 6

Can I apply if I have recently moved to the UAE or I am self-employed?

Accepted Answer

You can contact us to check the options available for your circumstances. New residents and self-employed applicants may need different evidence of income, residency or financial history. Having an Emirates ID alone does not confirm eligibility.

Question 7

What documents will I need?

Accepted Answer

You may need your Emirates ID, passport and residency details, income evidence, bank statements and rental documents. The exact list depends on your circumstances and the application stage. We will guide you through what is required and let you know if further information is needed.

Question 8

Do I need a property before I contact Fidora?

Accepted Answer

You can contact us while shortlisting. To progress towards a final arrangement, we will need details such as the property, agreed rent, lease dates and landlord’s payment requirements. Confirm approval and payment conditions before making commitments that depend on financing.

Question 9

Will there be a credit check?

Accepted Answer

A financing application may involve an AECB credit report and other affordability or verification checks. Any required authorisation will be requested through the application process. Ask us which checks apply before proceeding; a general enquiry should not be confused with a completed credit assessment.

Question 10

How quickly can my application be completed?

Accepted Answer

Timing depends on complete documents, verification, approval and coordination with the landlord. We will explain the expected next steps for your case. Do not rely on a fixed funding date until the necessary conditions and release arrangements have been confirmed.

Question 11

Can I use Fidora for a renewal or during an existing lease?

Accepted Answer

Contact us to check availability for your renewal or remaining rental period. The options depend on the live offering, outstanding payments, remaining lease term and landlord arrangements. Do not cancel existing cheques or mandates until a replacement arrangement is confirmed in writing.

Question 12

Does my landlord have to agree to monthly payments?

Accepted Answer

Not necessarily. The intended arrangement may allow the landlord to receive a single cheque or another agreed payment schedule while you repay monthly. Your landlord must still accept the proposed rent-payment arrangement, and the documents must accurately reflect it.

Question 13

Does Fidora cover deposits, agency fees or moving costs?

Accepted Answer

Do not assume these expenses are included. The approved documents will identify exactly what is covered. Budget separately for deposits, agency fees, registration, utilities and moving costs unless you receive written confirmation that an expense is included.

Question 14

Can I use Fidora for a property I found through an agent or private landlord?

Accepted Answer

You can bring us the details of your chosen property, whether sourced through an agent, property manager or landlord. We will check whether the tenancy and payment arrangement can be supported. Using Fidora does not require you to assume that every property or landlord arrangement qualifies.

Question 15

How much does Fidora cost?

Accepted Answer

The total cost depends on the arrangement offered to you. Before you commit, review the financed amount, financing charges, any Fidora fee, applicable taxes and other mandatory charges. Your monthly repayment and total amount payable should be clear in the offer and supporting documents.

Question 16

How are monthly charges calculated and collected?

Accepted Answer

The calculation depends on the financing arrangement. Your documents should explain whether charges are based on the original amount or a reducing balance, whether a charge is paid upfront or included monthly, and the approved collection method. Ask for a breakdown showing the amount repaid and charges for each instalment.

Question 17

Do I need a credit card, and when does my first repayment start?

Accepted Answer

This depends on the option offered. If the arrangement uses a card, we will explain whether a new card is required and the relevant limits, billing and instalment conditions before you proceed. Your repayment schedule confirms the first due date and any upfront payment. Do not assume that repayments begin one month after rent is released.

Question 18

What happens if I miss a payment or my circumstances change?

Accepted Answer

Contact us and the financing support team as early as possible. We can help you understand the available process, but any change must be formally agreed. Missed payments may lead to charges, credit-record consequences or recovery action under the applicable agreement and law. Do not assume that a payment pause has been granted without confirmation.

Question 19

Can I settle early or cancel if I move out?

Accepted Answer

Early settlement or cancellation may be possible under your agreement, with any applicable costs and rights explained there. Moving out or ending your tenancy does not automatically cancel financing. Ask for a settlement figure and coordinate any landlord refund before treating the arrangement as closed.

Question 20

Who do I contact for help, and how is my information handled?

Accepted Answer

Fidora is your starting point for questions about the platform, application and next steps. Contact us through the website’s Contact us page. We will help route financing-specific issues to the appropriate team where needed.

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