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.
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The valuation rules
- An independent on-site valuation by a qualified third party is required before the lender commits (Art. 2.5).
- The valuer must be independent of the borrower, seller, developer and loan decision (Art. 2.5).
- Valuations must not reflect expected future price growth (Art. 2.5).
- Titles must be free of encumbrances so the mortgage can be registered (Art. 2.5).
Example: valuation below the price
| Item | Amount |
|---|---|
| Agreed price | AED 2,000,000 |
| Appraised value | AED 1,900,000 |
| Loan at 80% of the value | AED 1,520,000 |
| Cash needed (price − loan) | AED 480,000 |
Expatriate, first home. Purchase costs not included.
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 happens if the valuation is lower than the price?
The loan is based on the appraised value, so you pay the difference in cash on top of the normal down payment.
Go further
Our partner brokerage Cevitas offers a free pre-assessment of your financing before you commit to a property.