Your figures
Your loan-to-value
80%
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.
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Minimum down payment by case
| Case | Below AED 5M | Above AED 5M |
|---|---|---|
| Expatriate, first home | 20% | 30% |
| UAE national, first home | 15% | 25% |
| Expatriate, second home / investment | 40% | 40% |
| UAE national, second home / investment | 35% | 35% |
| Off plan, any buyer | 50% | 50% |
Central Bank regulation, Art. 3.2. For UAE nationals the threshold is “up to and including” AED 5 million.
Cash needed on an AED 1.2 million home (expatriate)
| Item | Amount |
|---|---|
| Property price | AED 1,200,000 |
| Maximum loan (80%) | AED 960,000 |
| Minimum down payment | AED 240,000 |
| Monthly at 4% over 25 years (example) | AED 5,067 |
| Gross monthly income needed | AED 11,429 |
| DLD transfer fee (4%) + mortgage registration (0.25%) | AED 50,400 |
The down payment must be yours
- It must come from your own resources, not from a personal loan or a credit card (Art. 2.4).
Related rules
Frequently asked questions
Can I buy in Dubai with 10% down?
Not with a mortgage: the lowest down payment the regulation allows is 15%, for a UAE national’s first home up to AED 5 million; 20% for an expatriate.
Can I borrow the down payment?
No. It must come from your own funds, not from a personal loan or credit card (Art. 2.4).
Go further
Our partner brokerage Cevitas offers a free pre-assessment of your financing before you commit to a property.