Your figures
Minimum for this profile: 20% (AED 200,000).
Example value: enter the rate offered by your lender.
25 years maximum (CBUAE).
Monthly payment
AED 4,223
- Capital: AED 800,000 (63.15%)
- Interest: AED 466,808
Dubai Land Department fees
- Registration 4%AED 40,000
- Mortgage reg. 0.25%AED 2,000
- 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 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).
| Profile | Max. financing | Minimum down payment | Maximum loan | Monthly payment* | Minimum income** |
|---|---|---|---|---|---|
| Expatriate, first home | 80% | AED 200,000 | AED 800,000 | AED 4,223 | AED 9,524 |
| Expatriate, second / investment | 60% | AED 400,000 | AED 600,000 | AED 3,167 | AED 7,143 |
| UAE national, first home | 85% | AED 150,000 | AED 850,000 | AED 4,487 | AED 8,973 |
| UAE national, second / investment | 65% | AED 350,000 | AED 650,000 | AED 3,431 | AED 6,862 |
| Any buyer, off plan | 50% | AED 500,000 | AED 500,000 | AED 2,639 | AED 5,952 |
* 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
| Fee | Amount |
|---|---|
| Registration fee, 4% of the price (2% buyer + 2% seller) | AED 40,000 |
| Mortgage registration, 0.25% of the loan (expat first home) | AED 2,000 |
| Registration trustee incl. VAT | AED 4,200 |
| Title deed and smart fees | AED 270 |
| Total if the buyer pays the full 4% | AED 46,470 |
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 million purchase is AED 1,000,000 below it. Several properties can add up; check the conditions with the ICP.
Dubai areas where homes sell around AED 1 million
Areas where the median DLD-registered price of a unit type was within 20% of this price over the last 12 months.
- Dubai World Central1-bed apartment · AED 1,159,290
- Jumeirah Village Circle1-bed apartment · AED 1,103,999
- Dubai Land Residence Complex1-bed apartment · AED 1,040,000
- Majan1-bed apartment · AED 1,100,000
- Business BayStudio · AED 1,148,228
- Motor City1-bed apartment · AED 1,139,927
- Arjan1-bed apartment · AED 1,185,752
- Dubai South Residential District1-bed apartment · AED 1,026,054
- International Media Production Zone1-bed apartment · AED 1,068,300
- Dubai Sports City1-bed apartment · AED 1,006,800
- City of Arabia1-bed apartment · AED 1,107,000
- Downtown Jebel Ali1-bed apartment · AED 1,128,470
Frequently asked questions
How much down payment for a AED 1 million property in Dubai?
For an expatriate buying a first home, at least AED 200,000 (20%), plus about AED 46,470 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 million home?
With the minimum down payment and an example rate of 4% over 25 years, the monthly payment is about AED 4,223; it fits the 50% debt burden ratio from a gross monthly income of about AED 9,524, with no other debts.
What is the monthly payment?
On a loan of AED 800,000 over 25 years: about AED 4,223 a month at 4%. Each extra point of rate changes it; enter your lender’s rate in the calculator.
Does a AED 1 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 1,000,000 short.
Go further
Our partner brokerage Cevitas publishes registered prices for every Dubai area and selects off-plan projects in each budget.
Official sources
- Central Bank of the UAE, Regulations Regarding Mortgage Loans (C 31/2013, consolidated 08/04/2020)
- Dubai Land Department, property sale registration (fees)
- Dubai Land Department, mortgage registration (fees)
- UAE Government portal u.ae, Golden visa (eligible categories, source ICP)
- Dubai Land Department, Real Estate Transactions (data.dubai open data)