What is the minimum down payment for a mortgage in Dubai?

For UAE nationals, the minimum down payment is 15% for properties valued under AED 5 million. UAE residents require a minimum of 20%, while non-residents need at least 25% down payment.

Can foreigners get a mortgage in Dubai?

Yes, non-residents can obtain mortgages in Dubai for freehold properties. They can typically finance up to 75% of the property value, subject to meeting income and documentation requirements.

What is the maximum loan tenure for a mortgage in UAE?

The maximum mortgage tenure in the UAE is 25 years for UAE nationals and residents. The loan must be fully repaid before the borrower reaches retirement age (65 for expats, 70 for UAE nationals).

What documents are needed for a mortgage in Dubai?

Required documents typically include valid passport and Emirates ID, salary certificate and bank statements, trade license (if self-employed), property valuation report, and sales agreement.

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Property priceAED 2,000,000

AED 500KAED 20M

Down payment25%

15% (UAE Nationals)50%

Loan term25 years

5 yrs25 yrs

Monthly Payment

AED 8,337

Loan amount AED 1,500,000
Indicative rate 4.50%

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Mortgages tailored to your status

UAE rules differ for nationals, residents, and non-resident investors. Pick yours for documents, LTV caps, and bank shortlists.

UAE Nationals

If you hold a UAE passport, you qualify for the most favourable LTV ratios and longest tenures available in the market.

Min DP

15%

Max LTV

85%

Tenure

25y

Lowest down payments (from 15%)
DBR up to 55%
Tenure up to 25 years

View uae national guide

UAE Residents (Expats)

If you hold a valid UAE residency visa, you can finance up to 80% of your property, with documentation requirements that vary by salary and bank.

Min DP

20%

Max LTV

80%

Tenure

25y

Down payments from 20%
Tenure up to 25 years
19+ banks compete for your application

View uae resident guide

Non-Resident Investors

Foreign investors with no UAE visa can still secure mortgages on freehold properties, with a select group of banks supporting non-resident applications.

Min DP

25%

Max LTV

75%

Tenure

20y

Freehold properties only
From 25% down payment
Tenure up to 20 years

View non-resident guide

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Frequently Asked Questions

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Frequently Asked Questions

What is the minimum down payment for a mortgage in Dubai?

Can foreigners get a mortgage in Dubai?

What is the maximum loan tenure for a mortgage in UAE?

What documents are needed for a mortgage in Dubai?

How long does mortgage approval take in Dubai?

What is the Debt Burden Ratio (DBR) in UAE?

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