Taking a mortgaged car from UAE to Oman sounds like a simple road trip plan, but it’s not always that easy. Many people living in the UAE, especially expats, often want to drive their cars across the border to Oman for holidays or business trips. But what happens when the car is still under a bank loan or mortgage?
In this article, we’ll explain everything you need to know—rules, procedures, required documents, and what banks say—about taking a mortgaged car across the UAE-Oman border.
What Is a Mortgaged Car in the UAE?
A mortgaged car means the vehicle is under a loan, and the bank or finance company legally owns it until you repay the full amount. Until the loan is cleared, you cannot sell the car or make major changes without the bank’s permission.
This ownership rule also limits where you can take the car. If you plan to drive to Oman or any other GCC country, you will need to check the restrictions placed by the bank.
Why Oman Is a Popular Road Trip Destination
Oman is one of the most scenic and peaceful countries near the UAE. With its stunning mountains, beaches, and relaxed vibe, it attracts tourists from Dubai, Abu Dhabi, and Sharjah almost every weekend. Many people drive from UAE to cities like Muscat, Salalah, and Nizwa.
Driving is cheaper and more flexible than flying, especially for families. However, if your car is mortgaged, you cannot simply start the engine and go. The process requires official steps and approvals.
Can You Legally Take a Mortgaged Car from UAE to Oman?
Yes, but only if your bank approves it.
The most important step is getting written permission from the bank or finance company that owns your car’s mortgage. Without this, you won’t be able to clear border checks on the UAE or Omani side.
Border officers check the vehicle registration and ownership. If the car is under a mortgage, and you don’t have a No Objection Certificate (NOC) from the bank, you’ll be turned back.
Documents Required for Crossing the Border with a Mortgaged Car
Here’s a checklist of what you need if you want to take your mortgaged car from UAE to Oman:
- Valid UAE driving license
- Emirates ID
- Car registration card (Mulkiya)
- Oman car insurance (mandatory)
- Passport and visa copy
- No Objection Certificate (NOC) from the bank or finance provider
- Possibly a permission letter from your employer (if the car is leased)
Omani authorities may also require you to have a valid exit permit for the car issued by the UAE RTA (Roads and Transport Authority), depending on the situation.
How to Get a Bank’s NOC for Driving to Oman
- Contact your bank or auto finance provider.
Let them know you wish to travel to Oman with the car. - Submit a formal request.
Some banks offer online forms; others require you to visit a branch. - Provide documents.
These may include your Emirates ID, passport copy, car registration, and travel purpose. - Wait for approval.
The process may take 2–5 working days. Some banks may charge a fee. - Receive the NOC.
It must be in writing and stamped by the bank. Carry both hard and soft copies.
Important Tip: Always check the expiration of the NOC. Some are valid for only 7–14 days.
Which UAE Banks Allow Driving to Oman?
Not all banks allow borrowers to take mortgaged vehicles across the border. However, several major banks in the UAE such as:
- Emirates NBD
- ADCB (Abu Dhabi Commercial Bank)
- FAB (First Abu Dhabi Bank)
- Dubai Islamic Bank
These banks may offer NOCs for Oman trips, but they look at:
- Your loan repayment history
- Vehicle age and insurance coverage
- Trip duration and purpose
If your car is leased instead of mortgaged, policies may differ. Always confirm directly with your provider.
Insurance Is a Must for Oman Travel
Your regular UAE car insurance will not cover you in Oman. You must buy Oman-specific car insurance, even if just for a few days.
Many insurance companies in the UAE offer Oman coverage as an add-on for short durations. This is called a green card insurance or Orange Card.
You can purchase it:
- Online from your insurer
- At petrol stations near the border
- Through insurance brokers
Make sure the insurance is active during your entire trip.
What Happens If You Try Without a NOC?
Trying to cross the UAE-Oman border in a mortgaged car without NOC can lead to several problems:
- Immediate denial at the border
- Fines or vehicle confiscation (in rare cases)
- Trouble with your bank for violating the loan terms
- Legal trouble if caught within Oman without proper documents
It’s not worth the risk. Always follow the proper steps.
Alternative Travel Options
If your bank doesn’t allow cross-border travel with your mortgaged car, here are some alternatives:
- Rent a car: Rental companies offer Oman-allowed vehicles with proper insurance.
- Use public transport or flights: Buses and flights to Muscat are frequent.
- Borrow a car that’s not under mortgage: Just ensure it’s insured for Oman.
Tips for a Smooth Oman Road Trip
- Start the NOC process at least a week in advance
- Double-check all documents before leaving
- Fuel up before the border; petrol is cheaper in UAE
- Respect speed limits and road rules in Oman
- Avoid off-roading unless your vehicle is equipped for it
Conclusion: It’s Possible, But Plan Carefully
To summarize: Yes, you can take a mortgaged car from UAE to Oman, but you must get a No Objection Certificate from your bank and arrange valid Oman insurance. Follow the legal procedures and ensure all documents are in place.
With a bit of planning, your Oman road trip can be safe, smooth, and enjoyable—even with a car under mortgage.
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