How much can you borrow for a Dubai property?
In 30 seconds, estimate your borrowing capacity and monthly payment. UAE resident or not — we help both profiles.
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Up to 80% financed
UAE residents can borrow up to 80% of the property value for a first purchase.
Open to non-residents
Non-residents can also finance, typically at 50–60% of the property value.
Competitive rates
Fixed or variable rates from ~3.99% at partner banks (subject to profile).
Estimate your borrowing capacity
Indicative estimate — not binding.
Indicative simulation based on 4.5% average over 25 years and 50% DTI. Actual terms depend on the bank and your profile.
Frequent questions
Can I borrow as a non-resident?+
Yes. Most UAE banks finance non-residents up to 50–60% of the property value, at slightly higher rates.
Minimum down payment?+
20% for a resident on a first purchase < 5M AED, ~40% for a non-resident. Add ~7% in fees.
Are you a mortgage broker?+
No — we introduce you to partner banking advisors. Our service is free for you.
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Getting a mortgage in Dubai as a non-resident
UAE banks lend to both residents and non-residents, but the terms differ. Non-residents typically face a lower loan-to-value ratio, a shorter maximum term and a smaller list of approved lenders. Residents buying a first property can often borrow a higher share of the purchase price, subject to income and existing debt.
Lenders assess your borrowing capacity from your net monthly income, existing commitments and the debt-burden ratio they are allowed to apply. On top of the deposit you should budget for the Dubai Land Department transfer fee, agency commission, mortgage registration and valuation fees, which together commonly add several percent to the purchase price.
Rates can be fixed for an initial period and then revert to a variable rate linked to EIBOR. Pre-approval is usually valid for a limited window and is the practical starting point before you make an offer.
Dubai mortgage questions
Can a non-resident get a mortgage in Dubai?
Yes. A number of UAE banks lend to non-residents, generally with a larger down payment requirement and a shorter term than for residents.
How much deposit do I need?
Residents commonly need from 20% for a first property; non-residents are usually asked for substantially more. The exact figure depends on the bank, the property value and your profile.
Which documents will the bank ask for?
Passport, proof of address, six to twelve months of bank statements, income evidence such as payslips or audited accounts, and a credit report from your home country.
How long does approval take?
Pre-approval is often issued within a few working days once the file is complete; final offer follows the property valuation.