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Mortgage by property price

Mortgage for a AED 1.25 million property

What a AED 1.25 million purchase costs upfront and every month in Dubai: the minimum down payment for each buyer profile under the Central Bank of the UAE rules, the Dubai Land Department fees, the income needed and the areas where homes sell around this price.

Min. down payment, expat first home
AED 250,000
DLD fees (buyer pays 4%)
AED 56,970
Monthly payment (example rate)
AED 5,278
4%, 25 years

Your figures

AED
Buyer
Property
%

Minimum for this profile: 20% (AED 250,000).

%

Example value: enter the rate offered by your lender.

yrs

25 years maximum (CBUAE).

Monthly payment

AED 5,278

AED 1,000,000 borrowed over 25 years
Within the Central Bank limit: up to 80% financing for this profile.
  • Capital: AED 1,000,000 (63.15%)
  • Interest: AED 583,511
Total repaidAED 1,583,511
Income needed (50% DBR)AED 11,905 / month
Cash at purchase (down payment + fees)AED 306,970

Dubai Land Department fees

  • Registration 4%AED 50,000
  • Mortgage reg. 0.25%AED 2,500
  • 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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Down payment and loan on AED 1.25 million

Maximum financing set by the Central Bank of the UAE for each buyer profile, with the monthly payment at an example rate of 4% over 25 years (replace it with your lender’s rate in the calculator).

ProfileMax. financingMinimum down paymentMaximum loanMonthly payment*Minimum income**
Expatriate, first home80%AED 250,000AED 1,000,000AED 5,278AED 11,905
Expatriate, second / investment60%AED 500,000AED 750,000AED 3,959AED 8,929
UAE national, first home85%AED 187,500AED 1,062,500AED 5,608AED 11,217
UAE national, second / investment65%AED 437,500AED 812,500AED 4,289AED 8,577
Any buyer, off plan50%AED 625,000AED 625,000AED 3,299AED 7,440

* Example at 4% over 25 years. ** Gross monthly income needed for the 50% debt burden ratio and the 7x / 8x annual income cap, with no other debts.

Dubai Land Department fees

FeeAmount
Registration fee, 4% of the price (2% buyer + 2% seller)AED 50,000
Mortgage registration, 0.25% of the loan (expat first home)AED 2,500
Registration trustee incl. VATAED 4,200
Title deed and smart feesAED 270
Total if the buyer pays the full 4%AED 56,970

The split of the 4% between buyer and seller is set in the sale contract. Agent commission and bank fees come on top.

Golden visa threshold

The UAE Government portal lists a minimum capital of AED 2 million for the real estate investor category of the Golden visa: a AED 1.25 million purchase is AED 750,000 below it. Several properties can add up; check the conditions with the ICP.

Dubai areas where homes sell around AED 1.25 million

Areas where the median DLD-registered price of a unit type was within 20% of this price over the last 12 months.

Frequently asked questions

How much down payment for a AED 1.25 million property in Dubai?

For an expatriate buying a first home, at least AED 250,000 (20%), plus about AED 56,970 of DLD fees if the buyer pays the full 4%. For a second home it is 40%, and 50% for a property bought off plan.

What salary do I need to buy a AED 1.25 million home?

With the minimum down payment and an example rate of 4% over 25 years, the monthly payment is about AED 5,278; it fits the 50% debt burden ratio from a gross monthly income of about AED 11,905, with no other debts.

What is the monthly payment?

On a loan of AED 1,000,000 over 25 years: about AED 5,278 a month at 4%. Each extra point of rate changes it; enter your lender’s rate in the calculator.

Does a AED 1.25 million property qualify for the Golden visa?

The minimum listed on u.ae for real estate investors is AED 2 million, so this price alone is AED 750,000 short.

Go further

Our partner brokerage Cevitas publishes registered prices for every Dubai area and selects off-plan projects in each budget.

Official sources

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