Mortgages in Dubai for UAE Nationals
If you hold a UAE passport, you qualify for the most favourable LTV ratios and longest tenures available in the market.
Min Down Payment
15%
Max LTV
85%
Tenure
25 yrs
Key rules and constraints
- DBR cap up to 55% of monthly income (subject to bank policy).
- Maximum tenure 25 years; loan must be repaid before age 70.
- Higher LTVs available for first home purchases under AED 5M.
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.