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Home and commercial mortgage for UAE nationals, expats, and non-residents. Up to 85% LTV. EIBOR-linked variable rates from UAE’s top banks.

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CBUAE Regulations

UAE Mortgage LTV Limits.

The Central Bank of UAE sets maximum Loan-to-Value ratios. Here's how much you can borrow based on your buyer type and property.

Buyer Type	Property Type	Property Value	Max LTV	Min Downpayment
UAE National	Ready (1st home)	Up to AED 5M	85%	15%
UAE National	Ready (1st home)	Above AED 5M	70%	30%
UAE National	Off-Plan	Any	50%	50%
Expat Resident	Ready (1st home)	Up to AED 5M	80%	20%
Expat Resident	Ready (1st home)	Above AED 5M	65%	35%
Expat Resident	Off-Plan	Any	50%	50%
Non-Resident	Ready Property	Any	75%	25%
Any Buyer	Commercial Property	Any	65%	35%
Any Buyer	Subsequent Property	Any	65%	35%

Source: CBUAE Mortgage Regulations (amended 2022). DBR cap: 50% of monthly gross income. Max tenure: 25 years (residents), 15 years (non-residents).

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Calculate your maximum loan, monthly payment, downpayment required, and DBR check instantly.

Property Value (AED) Buyer Type Property Type Loan Tenure Monthly Gross Income (AED) Existing Monthly Loan EMIs (AED)

Rate estimate: ~5.5% p.a. (EIBOR + 1%). Actual rate varies by bank, profile, and property.

Full Cost Breakdown

Total Cost of Buying Property in UAE.

Fee	Rate / Amount	Who Pays
DLD (Dubai Land Dept) Fee	4% of property value	Buyer
DLD Admin Fee	AED 580–4,200	Buyer
Real Estate Agent Fee	2% of property value	Buyer
Mortgage Arrangement Fee	0.5–1% of loan amount	Buyer
Property Valuation Fee	AED 2,500–3,500	Buyer
Mortgage Registration Fee (DLD)	0.25% of loan + AED 290	Buyer
Life / Term Insurance	0.3–0.6% p.a. of outstanding	Buyer
Property Insurance	AED 500–2,000/year	Buyer
Developer NOC	AED 500–5,000	Buyer

💡 Rule of Thumb: Budget an additional 7–8% of the property value on top of your downpayment for all transaction fees.

Mortgage Lenders

Top UAE Mortgage Lenders.

Bank	Est. Rate	Max Tenure	Non-Resident	Islamic
Emirates NBD	~5.5% p.a.	25 years	✓	—
ADCB	~5.5% p.a.	25 years	✓	—
FAB	~5.4% p.a.	25 years	✗	—
Mashreq	~5.6% p.a.	25 years	✓	—
DIB	~5.5% equiv.	25 years	✓	✓
ADIB	~5.5% equiv.	25 years	✓	✓
HSBC UAE	~5.4% p.a.	25 years	✓	—
RAKBank	~5.7% p.a.	25 years	✗	—

*Rates indicative based on EIBOR ~4.5% (mid-2026). Actual rate depends on buyer profile, property, and bank discretion.

FAQ

Mortgage Questions.

Yes. Expats with a UAE residence visa can get mortgages from most major UAE banks. Typically you need a minimum salary of AED 10,000–15,000/month, stable employment of 6+ months, and a clean AECB credit report. Maximum LTV is 80% for properties up to AED 5M.

Yes, but fewer banks offer this. Emirates NBD, Mashreq, ADCB, and some others accept non-resident applications. Maximum LTV is 75%. My Eloah specialises in non-resident mortgage applications.

EIBOR (Emirates Interbank Offered Rate) is the benchmark rate for variable mortgages. Your rate = EIBOR + bank spread (0.85–1.5%). As of mid-2026, EIBOR is approximately 4.5%. Most banks offer a 1–3 year fixed period before switching to variable.

DBR (Debt Burden Ratio) is the maximum percentage of monthly income that can go towards loan repayments. CBUAE caps this at 50%. If existing EMIs + proposed mortgage exceed 50% of income, the bank cannot approve the loan.

Pre-approval: 2–5 business days. Full approval after valuation: 5–10 business days. Transfer and disbursement: 1–3 days after all documents are ready. Total: typically 3–6 weeks.

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