Mortgage
What will my monthly payment be?
Estimate your UAE home loan in seconds. Down payment limits follow UAE Central Bank rules.
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Estimate only. Bank, valuation, agency and admin fees are not included; your bank confirms the final figures.
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Minimum down payment in the UAE
Expats
20% for homes up to AED 5 million, 30% above AED 5 million (first home).
UAE nationals
15% for homes up to AED 5 million, 20% above AED 5 million (first home).
Off-plan
Usually 50%. Most buyers follow the developer’s payment plan instead of a mortgage until handover.
Based on UAE Central Bank mortgage rules for first homes. One-off registration fee: 2% in Abu Dhabi, 4% in Dubai (DLD). Rules can change; your bank confirms what applies to you.
Get mortgage help
Our mortgage team compares offers from UAE banks and guides you from pre-approval to handover.