UAE Mortgage Down Payment Calculator

Enter the property value and your profile to see the maximum loan-to-value (LTV) allowed by the Central Bank of the UAE, the minimum down payment and the maximum loan amount.

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.

Maximum loan-to-value limits in the UAE

The Central Bank of the UAE sets the maximum share of a property value that a lender may finance. The limits depend on the buyer (UAE national or expatriate), the use of the property and its value:

  • UAE nationals, first home (owner occupier): up to 85% of the property value when the value is AED 5 million or less, up to 75% above AED 5 million.
  • UAE nationals, second home or investment property: up to 65%, whatever the value.
  • Expatriates, first home (owner occupier): up to 80% when the value is less than AED 5 million, up to 70% above AED 5 million.
  • Expatriates, second home or investment property: up to 60%, whatever the value.
  • Property bought off plan: up to 50%, whatever the purpose, value or category of buyer.

What these limits mean

These ratios are maximums. The regulation states that lenders may adopt more conservative limits, so the loan you are offered can be lower.

The down payment must come from your own resources, not from another loan such as a personal loan or a credit card.

Only one property per borrower can be treated as a first home (owner occupier).

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