Your figures
Minimum for this profile: 30% (AED 1,800,000).
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 22,169
- Capital: AED 4,200,000 (63.15%)
- Interest: AED 2,450,744
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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Example: AED 6 million first home, expatriate
| Item | Amount |
|---|---|
| Property price | AED 6,000,000 |
| Maximum loan (70%) | AED 4,200,000 |
| Minimum down payment | AED 1,800,000 |
| Monthly at 4% over 25 years (example) | AED 22,169 |
| Gross monthly income needed | AED 50,000 |
| DLD transfer fee (4%) + mortgage registration (0.25%) | AED 250,500 |
Compare: AED 4.9 million first home, expatriate
| Item | Amount |
|---|---|
| Property price | AED 4,900,000 |
| Maximum loan (80%) | AED 3,920,000 |
| Minimum down payment | AED 980,000 |
| Monthly at 4% over 25 years (example) | AED 20,691 |
| Gross monthly income needed | AED 46,667 |
| DLD transfer fee (4%) + mortgage registration (0.25%) | AED 205,800 |
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 LTV applies above AED 5 million?
70% for an expatriate and 75% for a UAE national on a first home; 60% / 65% for investment and 50% off plan, as below AED 5 million.
Go further
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