UAE Central Bank mortgage limits
For a first home, banks can lend up to these shares of the property's value:
| Buyer | Up to AED 5 million | Above AED 5 million |
|---|---|---|
| Expat | 80% | 70% |
| UAE national | 85% | 75% |
| Off-plan (anyone) | 50% | 50% |
Second homes have lower limits. The longest term is 25 years, and all your loan payments together can't be more than 50% of your salary.
Costs on top of the down payment
Buying in Dubai usually adds around 7% of the price in fees:
- Dubai Land Department transfer fee: 4% plus admin fees
- Mortgage registration: 0.25% of the loan plus admin fees
- Agent commission: usually 2% plus VAT
- Bank valuation: roughly AED 2,500 to 3,500
Other emirates charge different transfer fees. Banks also set their own minimum salaries and may charge an arrangement fee.
Common questions
How much down payment do I need in the UAE?
For a first ready home up to AED 5 million: 20% for expats and 15% for UAE nationals. Off-plan homes need at least 50%.
How much can I borrow on my salary?
Your total monthly loan payments can't be more than 50% of your salary. The calculator works out the largest loan that fits at your rate and term.
What is the longest mortgage term in the UAE?
25 years. Banks also limit the age you can be when the loan ends.
What fees do I pay when buying in Dubai?
Typically 4% to the Dubai Land Department, 0.25% mortgage registration, around 2% agent commission plus VAT, and a valuation fee. Budget about 7% of the price on top of your down payment.
Sources
Related calculators
This calculator gives an estimate for guidance only. It is not legal or financial advice. Check important figures with the relevant authority or a qualified adviser.