Work out what you can afford, understand down payment rules and get matched with the right UAE bank through our trusted mortgage partners.
Adjust the price, down payment, interest rate and term to see an indicative monthly repayment and the upfront cash you will need.
Estimate monthly payments for this property listed at AED 2,000,000.
Estimated one-time costs (DLD, registration, etc.)
Indicative estimate only. Final rates and terms depend on bank approval.
Max loan for expat residents (first home up to AED 5M)
Max loan for UAE nationals (first home up to AED 5M)
Typical max loan for non-residents
Maximum mortgage term
Our advisors and mortgage partners compare offers from leading UAE banks and guide you through every step.
Share your income documents and get an in-principle approval, usually valid for 60 to 90 days.
Shop with a clear budget and sign the MOU once your offer is accepted.
The bank values the property and issues the final offer letter for you to sign.
The bank releases funds at the DLD transfer and the mortgage is registered on the title deed.
| Cost | Typical Amount |
|---|---|
| Down payment | From 20% of the price |
| DLD transfer fee | 4% of the price |
| Mortgage registration fee | 0.25% of loan + AED 290 |
| Bank arrangement fee | Up to 1% of loan + VAT |
| Property valuation | AED 2,500 to 3,500 + VAT |
Figures are indicative and vary by bank. Final rates and terms depend on bank approval.
Everything you need to know about buying, selling, and investing in Dubai real estate.
Yes. Several UAE banks lend to non-residents, usually up to 50% to 60% of the property value, subject to income checks and documents from your home country.
Terms run up to 25 years, and the loan must normally be repaid by age 65 for salaried applicants or 70 for self-employed applicants.
UAE Central Bank rules cap total monthly debt repayments, including credit cards and car loans, at 50% of your monthly income.
Some banks finance off-plan purchases from approved developers, typically up to 50% of the value. Many buyers use the developer payment plan during construction and a mortgage on handover.
Whether you are buying, selling, renting, or investing, our expert advisors are ready to help you find the right opportunity.
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