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 3,959
- Capital: AED 750,000 (63.15%)
- Interest: AED 437,633
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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How the money is released
- The lender first uses your equity share of the price to pay the developer, before releasing any loan money (Art. 2.1).
- Payments follow completion milestones, physically confirmed by the lender or by an independent qualified professional (Art. 2.1).
- Lenders must monitor the completion schedule of financed projects (Art. 2.1).
- Loan documents state the milestones required for progress payments (Art. 4).
Example: AED 1.5 million off-plan unit
| Item | Amount |
|---|---|
| Property price | AED 1,500,000 |
| Maximum loan (50%) | AED 750,000 |
| Minimum down payment | AED 750,000 |
| Monthly at 4% over 25 years (example) | AED 3,959 |
| Gross monthly income needed | AED 8,929 |
| DLD transfer fee (4%) + mortgage registration (0.25%) | AED 61,875 |
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
Can I get 80% financing on an off-plan property?
No. Off-plan purchases are capped at 50% for every buyer (Art. 3.2 C).
When does the bank start paying the developer?
After your own share has been paid, and then only against verified construction milestones (Art. 2.1).
Go further
Our partner brokerage Cevitas offers a free pre-assessment of your financing before you commit to a property.