Your figures
Minimum for this profile: 20% (AED 360,000).
Example value: enter the rate offered by your lender.
25 years maximum (CBUAE).
Monthly payment
AED 7,601
- Capital: AED 1,440,000 (63.15%)
- Interest: AED 840,255
Dubai Land Department fees
- Registration 4%AED 72,000
- Mortgage reg. 0.25%AED 3,600
- Trustee + VATAED 4,200
- Title deed, smart feesAED 270
Indicative simulation, not a loan offer, an approval or financial advice. Limits shown are the regulatory maximums; each lender applies its own credit policy. Interest rates are the ones you enter. Market figures are medians of Dubai Land Department registered data and describe the past, not future prices or returns.
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Worked example: AED 1.8 million home
| Amount | |
|---|---|
| Down payment (20%) | AED 360,000 |
| Loan | AED 1,440,000 |
| Monthly payment at 4% over 25 years (example) | AED 7,601 |
| Total interest over the term | AED 840,255 |
| Gross monthly income for 50% DBR | AED 17,143 |
| DLD fees if the buyer pays the full 4% | AED 80,070 |
The 4% rate is an example, not a market rate: enter your lender’s rate in the calculator.
Worked example: AED 1.8 million home
| Amount | |
|---|---|
| Down payment (40%) | AED 720,000 |
| Loan | AED 1,080,000 |
| Monthly payment at 4% over 25 years (example) | AED 5,701 |
| Total interest over the term | AED 630,191 |
| Gross monthly income for 50% DBR | AED 12,857 |
| DLD fees if the buyer pays the full 4% | AED 79,170 |
The 4% rate is an example, not a market rate: enter your lender’s rate in the calculator.
The Central Bank of the UAE rules
The mortgage regulation (C 31/2013, consolidated 2020) applies to every bank and finance company in the UAE. It sets maximums; lenders can be stricter.
- UAE nationals, first home: up to 85% of the value up to AED 5 million, 75% above.
- UAE nationals, second home or investment property: up to 65%.
- Expatriates, first home: up to 80% of the value below AED 5 million, 70% above.
- Expatriates, second home or investment property: up to 60%.
- Any buyer, property bought off plan: up to 50%.
- Debt burden ratio: all monthly debt repayments within 50% of gross salary and regular income.
- Stress test: lenders assess the loan at a rate 2 to 4 percentage points above the loan rate.
- Maximum financing: 7 years of annual income for expatriates, 8 years for UAE nationals.
- Maximum term: 25 years. The down payment must come from your own funds, not from a personal loan or a credit card.
Frequently asked questions
How much down payment does an expat need in Dubai?
20% for a first home below AED 5 million (30% above), 40% for a second or investment property, 50% for off plan, plus about 4% of DLD fees.
How much can an expat borrow on their salary?
At most 7 years of annual income, and all monthly debt repayments within 50% of gross income. The salary pages show the result for each income level.
Are the rules different for Islamic finance?
No: Shari’ah-compliant home finance follows the same Central Bank requirements, in addition to its own Shari’ah rules.
Go further
Our partner brokerage Cevitas works with expatriate buyers across Dubai.