Lifestyle
UAE Adds Pension, Nafis Income to Credit Reports
The inclusion of GPSSA pension and Nafis support payments in official credit histories is set to improve access to finance for thousands of UAE residents.
By 19Network Editorial Team · Jul 15, 2026 · 3 min read
In a major update to the UAE's financial infrastructure, pension income and Nafis program support are now included in credit reports issued by the Al Etihad Credit Bureau (AECB). This change provides lenders with a more complete view of an individual's financial standing, potentially making it easier for retirees and Emirati professionals to secure loans, mortgages, and other credit facilities.
The Al Etihad Credit Bureau (AECB) has integrated its systems with the General Pension and Social Security Authority (GPSSA). This means that monthly pension payments to retired UAE citizens and salary support payments made under the Nafis program are now formally recorded as part of an individual’s income history in their official credit report. Previously, while applicants could declare these sources of income, lenders had to rely on bank statements and other documents for verification. The direct data feed from GPSSA to AECB provides a higher level of official, automated verification, giving banks and financial institutions greater confidence in an applicant's repayment capacity. ## Who is affected? This policy change directly benefits specific groups of UAE residents and also impacts financial institutions. UAE National Pensioners: Retired Emiratis receiving a regular pension from the GPSSA will see this stable, government-backed income reflected in their credit history. This can significantly strengthen their financial profile when applying for credit in retirement. Emirati Nafis Beneficiaries: UAE citizens whose salaries are supplemented by the federal Nafis program will…