What is the minimum down payment in Dubai?

The minimum down payment in Dubai is 20% for expats and non-UAE nationals, and 15% for UAE nationals, for properties valued up to AED 5 million. For properties above AED 5 million, the minimum is 30% for expats and 25% for UAE nationals.

What is the maximum mortgage tenure in Dubai?

The maximum mortgage tenure in Dubai is 25 years for expats and non-UAE nationals, and 30 years for UAE nationals, subject to the borrower's age not exceeding 65 at the end of the loan term.

How much DLD fee do I pay in Dubai?

The Dubai Land Department (DLD) transfer fee is 4% of the property value, plus an AED 580 registration fee. This is typically paid by the buyer at the time of property transfer.

What salary do I need to buy a property in Dubai?

Most UAE banks require a minimum monthly salary of AED 15,000 to qualify for a mortgage. The UAE Central Bank DBR (Debt Burden Ratio) rule limits total monthly debt repayments to 50% of your gross monthly salary.

Can I get a mortgage pre-approval before finding a property in Dubai?

Yes, you can obtain a mortgage pre-approval (also called a Mortgage In Principle or MIP) before finding a property. Pre-approvals are typically valid for 60–90 days and give you a clear budget when searching for properties.

What is the difference between a flat rate and a reducing rate mortgage in Dubai?

A flat rate calculates interest on the full original loan amount throughout the term. A reducing rate (diminishing rate) calculates interest on the outstanding balance each month — meaning you pay less interest over time. Reducing rates are generally more cost-effective for long-term loans. Always confirm with your mortgage advisor which rate type applies.

Can expats get a mortgage in Dubai?

Yes — UAE-resident expats can borrow up to 80% of a property's value (for properties under AED 5M). Non-resident foreign investors can access up to 50% LTV. Most banks require a minimum monthly salary of AED 15,000 for residents.

What banks offer mortgages in Dubai?

Major UAE mortgage lenders include Emirates NBD, ADCB, FAB (First Abu Dhabi Bank), Mashreq Bank, Dubai Islamic Bank, RAK Bank, HSBC UAE, Standard Chartered, and Abu Dhabi Islamic Bank (ADIB). Rates and criteria vary significantly — a mortgage broker can compare all options simultaneously.

Can I get a mortgage for an off-plan property in Dubai?

Yes, but the maximum LTV for off-plan properties is 50%, regardless of residency status. Most off-plan purchases are on developer payment plans (20/80 or similar) which don't require a bank mortgage until handover.

What documents do I need for a Dubai mortgage application?

Typically required: valid passport + UAE residency visa, Emirates ID, 3–6 months bank statements, salary certificate or employment letter, 3 months payslips (salaried) or 2 years audited accounts (self-employed), credit bureau report, property details (MOU or SPA).

How long does mortgage approval take in Dubai?

Pre-approval (Mortgage In Principle) typically takes 3–5 working days. Full mortgage approval after signing an MOU takes 2–4 weeks depending on the bank, property type, and completeness of documentation.

FREE TOOL · DUBAI 2026

Dubai Mortgage Calculator

Estimate your monthly payments, total interest, and buying costs instantly — with UAE-specific LTV rules and DLD fees built in.

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Property Details

Property Price

AED

AED 200,000AED 20,000,000

Residency Status

Down Payment: 20%

20% (min)50%

AED 300,000

Meets minimum requirement (20%)

Loan Amount

AED 1,200,000

Loan Terms

Annual Interest Rate: 4.5%

2%8%

Current UAE rates typically range 3.99% – 5.5%

Loan Tenure: 25 years

5 yrs25 yrs

Max 25 years for expats

ESTIMATED MONTHLY PAYMENT

AED 6,670

over 25 years

AED 300,000

Down Payment

AED 1,200,000

Loan Amount

AED 800,997

Total Interest

AED 2,000,997

Total Repayment

Down PaymentAED 300,000

DLD Fee (4%)AED 60,000

Agent Commission (2%)AED 30,000

Mortgage Registration (0.25%)AED 3,000

Valuation Fee (est.)AED 3,000

Total Upfront CostAED 396,000

AFFORDABILITY CHECK

Your Monthly Salary (AED)

Based on AED 20,000 salary, max monthly commitment is AED 10,000 → max loan AED 1,799,103
Your payment is within the UAE DBR limit.

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Access to 20+ Banks

Connect with the UAE's top lenders — ADCB, Emirates NBD, FAB, Mashreq, RAK Bank and more. We find you the best rate.

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From pre-approval to final transfer, our advisors handle the paperwork so you don't have to.

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Resident Mortgages

For UAE residents — expat or national. Borrow up to 80% LTV on properties under AED 5M with competitive fixed or variable rates.

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Commercial Finance

Financing solutions for commercial properties, retail units, warehouses, and investment portfolios across the UAE.

Equity Release / Refinancing

Release equity from existing UAE properties or refinance your current mortgage to access better rates and lower payments.

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How Does a Dubai Mortgage Work?

LTV Rules

Expats: Up to 80% LTV for properties ≤AED 5M; 70% for above AED 5M.

UAE Nationals: Up to 85% LTV for properties ≤AED 5M; 75% for above AED 5M.

Key Costs

DLD Fee: 4% of property value + AED 580 registration.

Agent Commission: 2% of property value.

Mortgage Registration: 0.25% of loan amount. Plus bank processing fees and valuation (~AED 3,000).

Eligibility

Minimum monthly salary of AED 15,000 required by most banks.

Maximum borrower age of 65 years at the end of the mortgage term.

DBR (Debt Burden Ratio) capped at 50% of gross monthly salary.

Frequently Asked Questions

Dubai Mortgage Calculator 2026 — Monthly Payments, Rates & Eligibility

Calculate your Dubai mortgage payments instantly. Enter property price, down payment, and loan term to see your monthly instalments, total interest, and whether you qualify under UAE Central Bank lending rules.

UAE mortgage rates typically range from 3.5% to 5.5% annually (2026). Expats can finance up to 75% of a property under AED 5M; UAE nationals up to 80%. Our calculator applies the latest Central Bank of UAE mortgage caps for accurate results.

Dubai Mortgage Key Facts 2026

UAE residents can obtain mortgages with up to 80% loan-to-value (LTV) for properties under AED 5 million. Non-residents and NRIs qualify for up to 75% LTV. Average variable interest rates in 2026 are 4.5–5.5%, while fixed rates range from 4.8–5.8%. Most banks require a minimum monthly salary of AED 15,000. Pre-approval typically takes 2–4 weeks. Maximum tenure is 25 years for expats and 30 years for UAE nationals.

Source: UAE Central Bank, DLD, Astraterra market analysis 2026 · View all Dubai market data →

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