Your figures
Minimum for this profile: 40% (AED 600,000).
Example value: enter the rate offered by your lender.
25 years maximum (CBUAE).
Monthly payment
AED 5,454
- Capital: AED 900,000 (68.76%)
- Interest: AED 408,918
Dubai Land Department fees
- Registration 4%AED 60,000
- Mortgage reg. 0.25%AED 2,250
- 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.
Want these numbers checked for your own case?
A free pre-assessment by a RERA-licensed Dubai brokerage: budget, financing and projects that fit.
Worked example: AED 1.5 million home
| Amount | |
|---|---|
| Down payment (40%) | AED 600,000 |
| Loan | AED 900,000 |
| Monthly payment at 4% over 25 years (example) | AED 4,751 |
| Total interest over the term | AED 525,159 |
| Gross monthly income for 50% DBR | AED 10,714 |
| DLD fees if the buyer pays the full 4% | AED 66,720 |
The 4% rate is an example, not a market rate: enter your lender’s rate in the calculator.
The Central Bank of the UAE rules
The mortgage regulation (C 31/2013, consolidated 2020) applies to every bank and finance company in the UAE. It sets maximums; lenders can be stricter.
- UAE nationals, first home: up to 85% of the value up to AED 5 million, 75% above.
- UAE nationals, second home or investment property: up to 65%.
- Expatriates, first home: up to 80% of the value below AED 5 million, 70% above.
- Expatriates, second home or investment property: up to 60%.
- Any buyer, property bought off plan: up to 50%.
- Debt burden ratio: all monthly debt repayments within 50% of gross salary and regular income.
- Stress test: lenders assess the loan at a rate 2 to 4 percentage points above the loan rate.
- Maximum financing: 7 years of annual income for expatriates, 8 years for UAE nationals.
- Maximum term: 25 years. The down payment must come from your own funds, not from a personal loan or a credit card.
Buying from abroad, step by step
- Check your budget: down payment, DLD fees and the monthly payment in your currency.
- Ask lenders for their conditions for non-residents and a pre-approval.
- Sign the sale contract; the property is valued by an independent valuer before the loan is approved.
- Transfer and registration at the Dubai Land Department, in person or through a representative with a power of attorney.
Frequently asked questions
Can non-residents get a mortgage in Dubai?
Yes, with lenders that offer it. The Central Bank limits are maximums; each lender sets its own conditions for buyers living abroad.
How much down payment does a non-resident need?
At least the share the regulation leaves unfinanced for your profile (40% for an expatriate’s investment property, 50% off plan), and possibly more depending on the lender, plus about 4% of DLD fees.
Is foreign income accepted?
Lenders assess reliable and sustainable income and set their own documentation rules; ask them which income they accept.
Go further
Our partner brokerage Cevitas works with international buyers, from search to DLD transfer.