Mortgages in Dubai for 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 Down Payment
20%
Max LTV
80%
Tenure
25 yrs
Key rules and constraints
- Most banks require minimum monthly income of AED 15,000.
- DBR cap of 50% — banks include rent, credit cards, car loans.
- Loan must be repaid before age 65 for salaried, 70 for self-employed.
- Properties above AED 5M typically need 30% down payment.
What you'll need to apply
UAE banks expect a consistent documentation set across applicants. A licensed broker will walk you through your specific profile when you submit a pre-approval request via the form.