Your figures
Minimum for this profile: 20% (AED 300,000).
Example value: enter the rate offered by your lender.
25 years maximum (CBUAE).
Registration and transfer fees of the emirate, agent commission.
Monthly payment
AED 6,334
- Capital: AED 1,200,000 (63.15%)
- Interest: AED 700,213
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.
Example: AED 1.5 million first home, expatriate
| Item | Amount |
|---|---|
| Property price | AED 1,500,000 |
| Maximum loan (80%) | AED 1,200,000 |
| Minimum down payment | AED 300,000 |
| Monthly at 4% over 25 years (example) | AED 6,334 |
| Gross monthly income needed | AED 14,286 |
| DLD transfer fee (4%) + mortgage registration (0.25%) | AED 63,000 |
Before you sign
- Down payment from your own funds, not borrowed (Art. 2.4).
- An independent valuation is done before the lender commits (Art. 2.5); the loan is based on the appraised value.
- You receive the total cost of the loan and a separate schedule of fees (Art. 4).
- Budget the Dubai Land Department fees: 4% transfer fee and 0.25% of the loan for the mortgage registration.
The Central Bank rules in brief
They apply to every bank, finance company and Islamic lender in the UAE. They are maximums: a lender may be stricter.
- Expatriates: up to 80% of a first home below AED 5 million, 70% above, 60% for a second home or an investment (Art. 3.2).
- UAE nationals: up to 85% of a first home up to AED 5 million, 75% above, 65% for a second home or an investment (Art. 3.2).
- Off plan: up to 50% for every buyer, whatever the value or purpose (Art. 3.2 C).
- Debt burden ratio: 50% of gross salary and regular income, stress-tested 2 to 4 points above the loan rate (Art. 3.1).
- Maximum term 25 years; maximum loan 7 years of annual income for expatriates, 8 for nationals (Art. 3.3 and 3.4).
- The down payment must come from your own resources, not from a personal loan or a credit card (Art. 2.4).
Related rules
Frequently asked questions
What is the minimum down payment for a first home?
20% for an expatriate below AED 5 million (30% above), 15% for a UAE national up to AED 5 million (25% above), plus purchase costs.
Can I claim two properties as first home?
No. Each borrower can claim only one property under the first house / owner-occupier category (Art. 3.2).
Go further
Our partner brokerage Cevitas offers a free pre-assessment of your financing before you commit to a property.