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I've driven mortgaged cars into Oman loads of times and have never been bothered for an NOC from the bank. There are no checks by the UAE authorities when you leave with a car. The only time you show the registration card is at immigration in Oman. I can't see they would be bothered that the car is mortgaged to a UAE bank.

Never driven to KSA but I expect it's just the same.
 

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...or just read the terms of your loan agreement and see what it says. Mine says I can take the car anywhere in the GCC without permission. I need approval to take it any further.

5 minutes reading the agreement could save you hours of unnecessary hassle and waiting at the bank.
 
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