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Mortgage for a AED 10 million property

What a AED 10 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 3,000,000
DLD fees (buyer pays 4%)
AED 421,970
Monthly payment (example rate)
AED 36,949
4%, 25 years

Your figures

AED
Buyer
Property
%

Minimum for this profile: 30% (AED 3,000,000).

%

Example value: enter the rate offered by your lender.

yrs

25 years maximum (CBUAE).

Monthly payment

AED 36,949

AED 7,000,000 borrowed over 25 years
Within the Central Bank limit: up to 70% financing for this profile.
  • Capital: AED 7,000,000 (63.15%)
  • Interest: AED 4,084,574
Total repaidAED 11,084,574
Income needed (50% DBR)AED 83,333 / month
Cash at purchase (down payment + fees)AED 3,421,970

Dubai Land Department fees

  • Registration 4%AED 400,000
  • Mortgage reg. 0.25%AED 17,500
  • 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 10 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 home70%AED 3,000,000AED 7,000,000AED 36,949AED 83,333
Expatriate, second / investment60%AED 4,000,000AED 6,000,000AED 31,670AED 71,429
UAE national, first home75%AED 2,500,000AED 7,500,000AED 39,588AED 79,176
UAE national, second / investment65%AED 3,500,000AED 6,500,000AED 34,309AED 68,619
Any buyer, off plan50%AED 5,000,000AED 5,000,000AED 26,392AED 59,524

* 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 400,000
Mortgage registration, 0.25% of the loan (expat first home)AED 17,500
Registration trustee incl. VATAED 4,200
Title deed and smart feesAED 270
Total if the buyer pays the full 4%AED 421,970

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

At AED 10 million, the price meets the AED 2 million minimum capital listed on the UAE Government portal for the real estate investor category of the Golden visa. The application, the documents and the treatment of a mortgaged property are handled by the ICP (and the GDRFA in Dubai): check the current conditions with them.

Dubai areas where homes sell around AED 10 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 10 million property in Dubai?

For an expatriate buying a first home, at least AED 3,000,000 (30%), plus about AED 421,970 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 10 million home?

With the minimum down payment and an example rate of 4% over 25 years, the monthly payment is about AED 36,949; it fits the 50% debt burden ratio from a gross monthly income of about AED 83,333, with no other debts.

What is the monthly payment?

On a loan of AED 7,000,000 over 25 years: about AED 36,949 a month at 4%. Each extra point of rate changes it; enter your lender’s rate in the calculator.

Does a AED 10 million property qualify for the Golden visa?

It meets the AED 2 million minimum listed on u.ae for real estate investors. Eligibility is decided by the ICP / GDRFA, including how a financed property is counted.

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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