Your figures
Minimum for this profile: 40% (AED 600,000).
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 4,751
- Capital: AED 900,000 (63.15%)
- Interest: AED 525,159
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 rental property, expatriate
| Item | Amount |
|---|---|
| Property price | AED 1,500,000 |
| Maximum loan (60%) | AED 900,000 |
| Minimum down payment | AED 600,000 |
| Monthly at 4% over 25 years (example) | AED 4,751 |
| Gross monthly income needed | AED 10,714 |
| DLD transfer fee (4%) + mortgage registration (0.25%) | AED 62,250 |
Rules specific to investors
- When the property is an investment, lenders deduct at least two months of rent from the income used in the debt burden ratio, to allow for vacancy (Art. 3.1).
- Interest-only periods are allowed only on investment loans, for at most 5 years from the first drawdown (Art. 3.6).
- Rental income can be used to repay if it is verifiable (Art. 3.5).
- Off-plan investments are capped at 50% (Art. 3.2 C).
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 maximum LTV on a second property in the UAE?
60% for expatriates and 65% for UAE nationals, whatever the value; 50% if bought off plan.
Can I get an interest-only mortgage?
Only on an investment property, and for no more than 5 years from the first drawdown (Art. 3.6).
Go further
Our partner brokerage Cevitas offers a free pre-assessment of your financing before you commit to a property.