Your figures
Your loan-to-value
80%
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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Maximum LTV by profile
| Property value | National, first home | National, second / investment | Expat, first home | Expat, second / investment | Off plan |
|---|---|---|---|---|---|
| AED 1,000,000 | 85% | 65% | 80% | 60% | 50% |
| AED 3,000,000 | 85% | 65% | 80% | 60% | 50% |
| AED 5,000,000 | 85% | 65% | 70% | 60% | 50% |
| AED 8,000,000 | 75% | 65% | 70% | 60% | 50% |
For expatriates the regulation sets 80% below AED 5 million and 70% above; at exactly AED 5 million the calculator applies the lower limit.
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.
Appraised value, not price
The LTV is measured against the value set by an independent valuer appointed before the loan is approved. If the valuation comes in below the price, the maximum loan falls and the down payment rises.
Frequently asked questions
What is the maximum LTV for expatriates in the UAE?
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%.
Does the first-home limit apply more than once?
No: each borrower can claim only one property in the first home / owner occupier category.
Can I borrow the down payment?
No. The Central Bank requires the down payment to come from your own resources, not from a personal loan or a credit card.
Go further
Our partner brokerage Cevitas guides buyers from valuation to transfer.