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Mortgage by property price

Mortgage for a AED 500,000 property

What a AED 500,000 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 100,000
DLD fees (buyer pays 4%)
AED 25,470
Monthly payment (example rate)
AED 2,111
4%, 25 years

Your figures

AED
Buyer
Property
%

Minimum for this profile: 20% (AED 100,000).

%

Example value: enter the rate offered by your lender.

yrs

25 years maximum (CBUAE).

Monthly payment

AED 2,111

AED 400,000 borrowed over 25 years
Within the Central Bank limit: up to 80% financing for this profile.
  • Capital: AED 400,000 (63.15%)
  • Interest: AED 233,404
Total repaidAED 633,404
Income needed (50% DBR)AED 4,762 / month
Cash at purchase (down payment + fees)AED 125,470

Dubai Land Department fees

  • Registration 4%AED 20,000
  • Mortgage reg. 0.25%AED 1,000
  • 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 500,000

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 100,000AED 400,000AED 2,111AED 4,762
Expatriate, second / investment60%AED 200,000AED 300,000AED 1,584AED 3,571
UAE national, first home85%AED 75,000AED 425,000AED 2,243AED 4,487
UAE national, second / investment65%AED 175,000AED 325,000AED 1,715AED 3,431
Any buyer, off plan50%AED 250,000AED 250,000AED 1,320AED 2,976

* 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 20,000
Mortgage registration, 0.25% of the loan (expat first home)AED 1,000
Registration trustee incl. VATAED 4,200
Title deed and smart feesAED 270
Total if the buyer pays the full 4%AED 25,470

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 500,000 purchase is AED 1,500,000 below it. Several properties can add up; check the conditions with the ICP.

Dubai areas where homes sell around AED 500,000

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 500,000 property in Dubai?

For an expatriate buying a first home, at least AED 100,000 (20%), plus about AED 25,470 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 500,000 home?

With the minimum down payment and an example rate of 4% over 25 years, the monthly payment is about AED 2,111; it fits the 50% debt burden ratio from a gross monthly income of about AED 4,762, with no other debts.

What is the monthly payment?

On a loan of AED 400,000 over 25 years: about AED 2,111 a month at 4%. Each extra point of rate changes it; enter your lender’s rate in the calculator.

Does a AED 500,000 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 1,500,000 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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