UAE Mortgage Calculator

For UAE nationals: 20% for properties under AED 5 million, 30% for properties above AED 5 million. For expat residents: 20% for properties under AED 5 million (first property), 30% for properties above AED 5 million. For non-residents: 50% minimum down payment. These are UAE Central Bank regulations that all banks must follow.

As of 2026, UAE mortgage rates for expats range from approximately 3.99% to 5.25%. Most banks offer variable rates linked to EIBOR (Emirates Inter Bank Offered Rate) plus a margin of 1.5–2.5%. Some banks offer fixed-rate periods of 1–5 years before reverting to variable. Major lenders include Emirates NBD, HSBC, FAB, Mashreq, and ADCB.

The maximum mortgage term in the UAE is 25 years. The loan must be fully repaid before the borrower turns 65 (for salaried employees) or 70 (for self-employed). The maximum loan-to-value (LTV) ratio is 80% for expats on properties under AED 5 million.

Yes, non-residents can obtain mortgages in Dubai, but with stricter terms: minimum 50% down payment, and not all banks offer non-resident financing. Banks that commonly serve non-residents include HSBC, Emirates NBD, and Mashreq. Income documentation requirements are more extensive, and approval timelines are typically longer.