Your figures
Minimum for this profile: 15% (AED 450,000).
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 13,460
- Capital: AED 2,550,000 (63.15%)
- Interest: AED 1,487,952
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 3 million first home, UAE national
| Item | Amount |
|---|---|
| Property price | AED 3,000,000 |
| Maximum loan (85%) | AED 2,550,000 |
| Minimum down payment | AED 450,000 |
| Monthly at 4% over 25 years (example) | AED 13,460 |
| Gross monthly income needed | AED 26,920 |
| DLD transfer fee (4%) + mortgage registration (0.25%) | AED 126,375 |
Government housing programmes and gifted land
- For land gifted to UAE nationals, the lender needs confirmation of the gift from the relevant Diwan or housing programme and from the land department (Art. 2.5).
- Where a first charge cannot be registered under a government housing scheme, lenders protect the loan by other means, such as a second charge (Art. 3.7).
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
How much can a UAE national borrow?
Up to 85% of a first home up to AED 5 million, within 8 years of annual income and a 50% debt burden ratio.
Go further
Our partner brokerage Cevitas offers a free pre-assessment of your financing before you commit to a property.