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Property Financing

Property Financing in United Arab Emirates

for International Investors

Complete guide to mortgages and financing options for property investments in the UAE.

65-75%
Average LTV for Non-Residents
2.5-4.5%
Typical Interest Rates
4-8 weeks
Processing Time
78%
Success Rate
United Arab Emirates Property Financing

Financing Overview for United Arab Emirates

The UAE offers attractive financing options for foreign buyers. Non-resident buyers can typically secure mortgages for 75-80% of the property value for properties under AED 5 million.

Mortgage Market Trends in United Arab Emirates

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Mortgage Volume

AED 45 billion (2023)

Avg. Interest Rate

5.2% (fixed rate, 2023)

Foreign Buyers

65% of all mortgages

UAE mortgage market remains robust with strong foreign buyer activity and government initiatives supporting property investment.

Local Mortgages in United Arab Emirates

UAE banks offer competitive mortgages to foreign buyers with relatively straightforward processes.

Advantages

  • ✓High LTV ratios available
  • ✓No personal income tax
  • ✓Competitive interest rates
  • ✓Fast approval processes

Considerations

  • ✗Minimum salary requirements
  • ✗Property price volatility
  • ✗Service charges and fees
  • ✗Market speculation risks

Requirements for Foreign Buyers

  • 1
    Valid passport and UAE residence visa
  • 2
    Salary certificate and employment contract
  • 3
    Bank statements for 3-6 months
  • 4
    Property valuation report
  • 5
    Life insurance policy

Calculate Your Mortgage

Use our interactive mortgage calculator to estimate your monthly payments for a property in United Arab Emirates.

Mortgage Calculator

AED 1,500,000
AED 450,000

Mortgage Summary

Loan Amount:AED 1,050,000
Monthly Payment:AED 0
Total Payment:AED 0
Total Interest:AED 0
Loan Breakdown
Principal (Infinity%)Interest (NaN%)

Financing Tip

Your down payment of 20% or more typically qualifies you for the best available rates.

Developer Financing in United Arab Emirates

UAE developers offer flexible payment plans, especially for off-plan properties with attractive terms.

Typical Payment Structure

  • 1
    Booking fee: AED 20,000-50,000
  • 2
    Deposit: 10-20% on signing
  • 3
    Construction-linked payments: 60-70%
  • 4
    Final payment: 10-20% on handover

Advantages

  • ✓Flexible payment schedules
  • ✓High-quality developments
  • ✓Strong rental yields
  • ✓Tax-free environment

Considerations

  • ✗Off-plan risks
  • ✗Market volatility
  • ✗Developer reputation varies
  • ✗Completion delays possible

Popular Lenders in United Arab Emirates

Emirates NBD

Emirates NBD

Leading UAE bank with comprehensive mortgage products for expatriates.

Interest Rates:From 4.5% fixed, EIBOR + 2.8% variable
Max LTV:80% for properties under AED 5M
Fees:1% arrangement fee
ADCB

ADCB

Abu Dhabi Commercial Bank offering competitive mortgage rates.

Interest Rates:From 4.3% fixed, EIBOR + 2.5% variable
Max LTV:80% for properties under AED 5M
Fees:1% arrangement fee

Financing Consultation

Get personalized mortgage advice for United Arab Emirates

Our mortgage specialists can help you navigate financing options in United Arab Emirates and connect you with trusted local lenders.

Related Tools

Download Resources

Mortgage Guide

PDF, 3.5MB

Foreign Buyer Checklist

PDF, 1.2MB

Interest Rate Comparison

PDF, 0.8MB

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