Your figures
Minimum for this profile: 30% (AED 1,500,000).
Example value: enter the rate offered by your lender.
25 years maximum (CBUAE).
Monthly payment
AED 18,474
- Capital: AED 3,500,000 (63.15%)
- Interest: AED 2,042,287
Dubai Land Department fees
- Registration 4%AED 200,000
- Mortgage reg. 0.25%AED 8,750
- 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 5 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 | 70% | AED 1,500,000 | AED 3,500,000 | AED 18,474 | AED 41,667 |
| Expatriate, second / investment | 60% | AED 2,000,000 | AED 3,000,000 | AED 15,835 | AED 35,714 |
| UAE national, first home | 85% | AED 750,000 | AED 4,250,000 | AED 22,433 | AED 44,866 |
| UAE national, second / investment | 65% | AED 1,750,000 | AED 3,250,000 | AED 17,155 | AED 34,309 |
| Any buyer, off plan | 50% | AED 2,500,000 | AED 2,500,000 | AED 13,196 | AED 29,762 |
* 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 200,000 |
| Mortgage registration, 0.25% of the loan (expat first home) | AED 8,750 |
| Registration trustee incl. VAT | AED 4,200 |
| Title deed and smart fees | AED 270 |
| Total if the buyer pays the full 4% | AED 213,220 |
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 5 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 5 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 Central4-bed villa / townhouse · AED 4,570,000
- Business Bay3-bed apartment · AED 4,638,138
- Dubai Creek Harbour3-bed apartment · AED 4,300,944
- Dubai South Residential District4-bed villa / townhouse · AED 4,185,000
- Dubai Maritime City2-bed apartment · AED 4,168,000
- Dubai Hills Estate3-bed apartment · AED 4,434,971
- Meydan Racecourse Community3-bed apartment · AED 5,094,000
- Dubai Marina3-bed apartment · AED 4,150,000
- Al Furjan4-bed villa / townhouse · AED 4,050,000
- Jumeirah Islands3-bed apartment · AED 4,170,328
- City Walk2-bed apartment · AED 4,033,500
- Dubai Water Canal2-bed apartment · AED 4,286,630
Frequently asked questions
How much down payment for a AED 5 million property in Dubai?
For an expatriate buying a first home, at least AED 1,500,000 (30%), plus about AED 213,220 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 5 million home?
With the minimum down payment and an example rate of 4% over 25 years, the monthly payment is about AED 18,474; it fits the 50% debt burden ratio from a gross monthly income of about AED 41,667, with no other debts.
What is the monthly payment?
On a loan of AED 3,500,000 over 25 years: about AED 18,474 a month at 4%. Each extra point of rate changes it; enter your lender’s rate in the calculator.
Does a AED 5 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
- 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)