Commercial Property Finance in the UAE

The Central Bank of the UAE mortgage regulation covers loans secured on residential property. Financing for offices, retail units or warehouses is set by each lender’s own credit policy.

Residential rules do not apply as such

The loan-to-value limits, the 25-year maximum term and the income caps of the mortgage regulation are written for residential property. For commercial property, the amount, term and conditions are decided by the lender.

What to ask a lender

Before you commit, ask each lender in writing for:

  • the maximum financing as a share of the property value;
  • the term, the interest rate and how it can change;
  • all fees, including early repayment charges;
  • the documents required for your business.

Source : Central Bank of the UAE, Regulations Regarding Mortgage Loans (C 31/2013, consolidated 08/04/2020)

Indicative simulation only. It is not a loan offer, an approval or financial advice. The limits shown are the regulatory maximums; each lender applies its own credit policy and may set lower limits. The interest rate is the one you enter. Always confirm the figures with your lender.

Reviewed by Ahmed Benjas, co-founder & CEO of Cevitas Real Estate

Moroccan real estate expert based in Dubai, co-founder & CEO of Cevitas Real Estate, a RERA-licensed brokerage (NGI House, Deira), with an AED 200M+ track record. He works in French, Arabic, Darija and English.

· Moroccan real estate broker in Dubai · His guides on cevitas.ae