Dubai Property Finance Guide
Smart Financing for Smarter Property Investments
🏦 Why Finance a Property in Dubai?
Financing a property in Dubai allows you to leverage your capital, build wealth through real estate, and enjoy ownership in one of the world’s most dynamic property markets — even without paying the full amount upfront.
Dubai offers investor-friendly mortgage options, low interest rates, and flexible eligibility—even for non-residents.
📋 Who Can Apply for a Property Mortgage in Dubai?
✅ UAE Residents
✅ UAE Nationals
✅ Non-Residents / Foreign Investors
Note: Loan terms, LTVs, and required documents vary depending on your residency status.
📊 Key Mortgage Features
Loan-to-Value (LTV)
UAE Residents: Eligible for up to 80% financing of the property value.
Non-Residents: Can avail up to 60–70% financing, depending on the lender.
Loan Tenure
UAE Residents: Loan terms of up to 25 years are available.
Non-Residents: Loan tenure is typically limited to 20 years.
Interest Rates
UAE Residents: Rates start from as low as 3.85% per annum.
Non-Residents: Interest rates begin from around 4.5% per annum.
Down Payment
UAE Residents: A minimum down payment of 20% is required.
Non-Residents: Required to pay a higher down payment, usually between 30–40%.
🧾 Required Documents
For UAE Residents:
- Emirates ID & passport copy
- Salary certificate or trade license (if self-employed)
- 6 months’ bank statements
- Credit report from AECB
For Non-Residents:
- Valid passport
- Proof of income or employment
- International bank statements
- Credit report (if available in home country)
📎 We assist with document preparation, banking liaisons, and pre-approvals.
💳 Types of Mortgage Rates
- Fixed-Rate Mortgage
- Interest stays constant for 1–5 years
- Ideal for stable planning
- Variable/Reducing Rate Mortgage
- Linked to EIBOR (Emirates Interbank Offered Rate)
- Can decrease or increase with market trends
- Hybrid Options
- Fixed for first few years, then variable
💡 Finance Options for Off-Plan Properties
- Most off-plan projects don’t need a mortgage during construction
- Buyers pay in construction-linked installments
- Mortgage is usually only required upon 50%–60% completion or at handover
- Post-handover payment plans available from many developers
We can help match you with the right off-plan projects with minimal upfront cash.
🔐 Islamic Home Finance Options
Available for those seeking Shariah-compliant options:
- Ijara – Bank buys and leases the property to you
- Murabaha – Bank buys and sells to you with fixed profit
- No interest charged (only profit margin)
🛡️ Additional Finance Costs to Consider
- 🔹 Down Payment: 20%–40% depending on status
- 🔹 DLD Fees: 4% of property price
- 🔹 Bank Mortgage Arrangement Fees: ~1% of loan amount
- 🔹 Valuation Fee: AED 2,500–3,500
- 🔹 Life & Property Insurance: Mandatory by most banks
We help you factor in all hidden costs so there are no surprises.
🤝 How Keymaster.ae Helps
- ✔️ Free Mortgage Pre-Approval Assistance
- ✔️ Match with Top UAE Banks
- ✔️ Negotiate Best Rates
- ✔️ Coordinate with Developers and Legal Teams
- ✔️ Provide After-Sales Leasing/Resale Support
📞 Ready to Finance Your Dubai Property?
Let our finance experts walk you through every step. Whether you’re buying for yourself or as an investor, we’ll help you unlock the best options available.
📧 info@keymaster.ae