{"id":39621,"date":"2026-09-15T09:20:34","date_gmt":"2026-09-15T05:20:34","guid":{"rendered":"https:\/\/truhauz.com\/how-to-get-a-mortgage-in-dubai\/"},"modified":"2026-09-17T09:23:04","modified_gmt":"2026-09-17T05:23:04","slug":"how-to-get-a-mortgage-in-dubai","status":"publish","type":"post","link":"https:\/\/truhauz.com\/fa\/how-to-get-a-mortgage-in-dubai\/","title":{"rendered":"How to Get a Mortgage in Dubai: LTV Limits, Costs and the 2026 Process"},"content":{"rendered":"\n<!-- ============================================================\n  TRUHAUZ.COM \u2014 BUYER GUIDE \/ FINANCING\n  Title:    How to Get a Mortgage in Dubai: LTV Limits, Costs and the 2026 Process\n  Slug:     how-to-get-a-mortgage-in-dubai\n  Keywords: how to get a mortgage in dubai, mortgage in dubai for expats, expat mortgage dubai\n  ============================================================ -->\n\n<style>\n@import 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a{color:rgba(255,255,255,.9)!important;text-decoration:underline!important}\n.mg-form-wrap{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:14px;overflow:hidden}\n.mg-footer-strip{background:#660033;color:rgba(255,255,255,.8)!important;text-align:center;padding:14px 20px;font-size:.75rem;line-height:1.6}\n.mg-footer-strip a{color:rgba(255,255,255,.8)!important}\n\n\/* RESPONSIVE *\/\n@media(max-width:960px){\n  .mg-area-grid{grid-template-columns:1fr 1fr}\n  .mg-2col{grid-template-columns:1fr;gap:36px}\n  .mg-forecast{grid-template-columns:1fr 1fr}\n  .mg-contact-inner{grid-template-columns:1fr;gap:36px}\n  .mg-cta-in{flex-direction:column;text-align:center}\n  .mg-strip-in{grid-template-columns:repeat(2,1fr)}\n}\n@media(max-width:640px){\n  .mgc{padding:0 16px}\n  .mgs{padding:44px 0}\n  .mg-hero{min-height:auto}\n  .mg-hero-content{padding:48px 16px 56px}\n  .mg-hero h1{font-size:clamp(1.8rem,7.5vw,2.6rem)}\n  .mg-area-grid{grid-template-columns:1fr}\n  .mg-forecast{grid-template-columns:1fr}\n  .mg-strip-in{grid-template-columns:repeat(2,1fr)}\n  .mg-si{padding:15px 8px}\n  .mg-title{font-size:clamp(1.4rem,6vw,1.9rem)}\n  .mg-contact{padding:48px 0}\n}\n@media(max-width:480px){.mgc{padding:0 14px}}\n<\/style>\n\n<div class=\"mg\">\n\n<!-- \u2550\u2550\u2550 HERO \u2550\u2550\u2550 -->\n<section class=\"mg-hero\">\n  <div class=\"mg-hero-bg\"><\/div>\n  <div class=\"mg-hero-pat\"><\/div>\n  <div class=\"mg-hero-ov\"><\/div>\n  <div class=\"mg-hero-content\">\n    <span class=\"mg-eyebrow\">Financing \u00b7 Buyer Guide \u00b7 Updated September 2026<\/span>\n    <h1>How to Get a Mortgage in Dubai<br><span>LTV Caps, the 50% Debt Rule and What You Pay in Cash<\/span><\/h1>\n    <p class=\"mg-hero-sub\">Dubai lending is governed by a small set of hard ceilings &#8212; how much a bank may lend against value, how much of your income may go to debt, how long the term can run. Learn those first and the rest of the process is administration. Here is the framework, the real cost of borrowing, and the cash you need on the day.<\/p>\n    <div class=\"mg-hero-meta\">\n      <div class=\"mg-hm\">\ud83c\udfe6 <strong>Central Bank LTV Caps<\/strong><\/div>\n      <div class=\"mg-hm\">\ud83d\udcd0 <strong>DBR, Tenure &amp; Age Limits<\/strong><\/div>\n      <div class=\"mg-hm\">\ud83d\uddd3\ufe0f <strong>Sources Dated 2025&#8211;2026<\/strong><\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 DATA STRIP \u2550\u2550\u2550 -->\n<div class=\"mg-strip\">\n  <div class=\"mgc\">\n    <div class=\"mg-strip-in\">\n      <div class=\"mg-si\"><span class=\"mg-sv\">80%<\/span><span class=\"mg-sl\">Max LTV \u00b7 Expat First Home \u2264 AED 5M<\/span><\/div>\n      <div class=\"mg-si\"><span class=\"mg-sv\">50%<\/span><span class=\"mg-sl\">Max Debt Burden Ratio<\/span><\/div>\n      <div class=\"mg-si\"><span class=\"mg-sv\">25 Years<\/span><span class=\"mg-sl\">Maximum Mortgage Term<\/span><\/div>\n      <div class=\"mg-si\"><span class=\"mg-sv\">0.25%<\/span><span class=\"mg-sl\">DLD Mortgage Registration Fee<\/span><\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- \u2550\u2550\u2550 OVERVIEW \u2550\u2550\u2550 -->\n<section class=\"mgs\">\n  <div class=\"mgc\">\n    <div class=\"mg-2col\">\n      <div class=\"mg-body\">\n        <span class=\"mgt\">The Framework<\/span>\n        <h2 class=\"mg-title\">Three Ceilings Decide What You Can Borrow<\/h2>\n        <p>Mortgage lending in the UAE is not a free negotiation between you and a bank. It sits inside a framework set by the Central Bank of the UAE, and almost every disappointment borrowers experience in Dubai comes from not knowing where the edges of that framework are before they start looking at property.<\/p>\n        <p>Three ceilings do most of the work. The first is <strong>loan-to-value<\/strong> &#8212; the share of the property&#8217;s assessed value a bank may lend against. The second is the <strong>debt burden ratio<\/strong>, which caps total monthly debt repayments at 50% of monthly income. The third is <strong>tenure and age<\/strong>: a maximum term of 25 years, and repayments that must finish before a stated age. Whichever of the three binds first is the one that decides your number, and for salaried buyers with existing car or personal finance it is very often the debt burden ratio rather than the deposit.<\/p>\n        <p>The loan-to-value ceilings reported by <strong>dataHabibi<\/strong> (11 July 2026) and <strong>Grovy<\/strong> (3 July 2026) are 80% for a resident expatriate&#8217;s first home up to AED 5 million, 70% above that threshold, and 60% on a second or investment property. UAE nationals sit higher at 85%, 75% and 65%. Anything bought off-plan is capped at 50% for every category of buyer &#8212; a rule significant enough that we have covered it separately in our guide to <a href=\"https:\/\/truhauz.com\/off-plan-mortgage-dubai\/\">off-plan mortgages in Dubai<\/a>. Every one of these ceilings is set by the Central Bank and binds Shari&#8217;ah-compliant lenders on identical terms, as our guide to the <a href=\"https:\/\/truhauz.com\/islamic-mortgage-dubai\/\">Islamic mortgage in Dubai<\/a> explains.<\/p>\n        <p>A change in early 2025 made the cash side materially harder. <em>The National<\/em> reported on 25 January 2025, and <em>Khaleej Times<\/em> on 26 January 2025, that from <strong>1 February 2025<\/strong> banks would stop financing the 4% Dubai Land Department registration fee and the 2% brokerage commission as part of a mortgage. Those costs had commonly been rolled into the loan. They are now money you must have in the account. On an AED 1 million purchase, <em>Khaleej Times<\/em> put the additional upfront requirement at roughly AED 60,000.<\/p>\n        <p>None of this makes Dubai a difficult place to borrow. Rates are competitive, the process is fast by international standards, and the absence of annual property tax, capital gains tax and tax on rental income means the running cost of a financed Dubai asset is unusually low &#8212; as our guide to <a href=\"https:\/\/truhauz.com\/dubai-property-tax\/\">Dubai property tax<\/a> sets out. It simply means the deposit is not the whole of the deposit, and the arithmetic is worth doing before you make an offer rather than after.<\/p>\n        <div class=\"mg-hbox\"><strong>TruHauz perspective:<\/strong> Get a pre-approval before you view anything seriously. It converts an abstract budget into a number a seller will act on, and it surfaces debt-burden problems while you can still fix them. Model the full transaction cost alongside it &#8212; our breakdown of <a href=\"https:\/\/truhauz.com\/dld-fees-dubai\/\">DLD fees in Dubai<\/a> itemises the Land Department side line by line, and our <a href=\"https:\/\/truhauz.com\/mortgage-calculator\/\">mortgage calculator<\/a> handles the repayment side. If the property you are buying already carries a loan, the seller&#8217;s mortgage has to be settled and released before title can move &#8212; that sequence is set out in our guide to <a href=\"https:\/\/truhauz.com\/buying-mortgaged-property-dubai\/\">buying a mortgaged property in Dubai<\/a>. Buyers new to the market should start with <a href=\"https:\/\/truhauz.com\/buying-property-in-dubai-as-a-foreigner\/\">buying property in Dubai as a foreigner<\/a>.<\/div>\n      <\/div>\n      <div>\n        <div class=\"mg-ov\">\n          <div class=\"mg-ov-head\">\n            <h3>Dubai Mortgage Rules at a Glance<\/h3>\n            <p>The ceilings that decide your number<\/p>\n          <\/div>\n          <div class=\"mg-ov-row\"><span class=\"mg-ov-l\">Expat first home \u2264 AED 5M<\/span><span class=\"mg-ov-r burg\">80% LTV<\/span><\/div>\n          <div class=\"mg-ov-row\"><span class=\"mg-ov-l\">Expat first home &gt; AED 5M<\/span><span class=\"mg-ov-r\">70% LTV<\/span><\/div>\n          <div class=\"mg-ov-row\"><span class=\"mg-ov-l\">Expat second property<\/span><span class=\"mg-ov-r\">60% LTV<\/span><\/div>\n          <div class=\"mg-ov-row\"><span class=\"mg-ov-l\">UAE national first home \u2264 AED 5M<\/span><span class=\"mg-ov-r\">85% LTV<\/span><\/div>\n          <div class=\"mg-ov-row\"><span class=\"mg-ov-l\">Off-plan, any buyer<\/span><span class=\"mg-ov-r burg\">50% LTV<\/span><\/div>\n          <div class=\"mg-ov-row\"><span class=\"mg-ov-l\">Debt burden ratio<\/span><span class=\"mg-ov-r\">50% of income<\/span><\/div>\n          <div class=\"mg-ov-row\"><span class=\"mg-ov-l\">Maximum term<\/span><span class=\"mg-ov-r\">25 years<\/span><\/div>\n          <div class=\"mg-ov-row\"><span class=\"mg-ov-l\">Loan to income \u00b7 expats<\/span><span class=\"mg-ov-r\">7\u00d7 annual<\/span><\/div>\n          <div class=\"mg-ov-row\"><span class=\"mg-ov-l\">Early settlement fee<\/span><span class=\"mg-ov-r up\">1% or AED 10,000, lower<\/span><\/div>\n          <div class=\"mg-ov-row\"><span class=\"mg-ov-l\">Mortgage registration<\/span><span class=\"mg-ov-r\">0.25% of loan<\/span><\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 TABLE \u2550\u2550\u2550 -->\n<section class=\"mgs mgg\">\n  <div class=\"mgc mgct\">\n    <span class=\"mgt\">The Ceilings<\/span>\n    <h2 class=\"mg-title\">Loan-to-Value Caps by Buyer and Property Type<\/h2>\n    <p class=\"mg-sub\">These are regulatory maximums, not entitlements. A bank may lend less than the cap &#8212; it may not lend more.<\/p>\n  <\/div>\n  <div class=\"mgc\">\n    <div class=\"mg-table-wrap\">\n      <table class=\"mg-table\">\n        <thead>\n          <tr>\n            <th>Buyer &amp; Property<\/th>\n            <th>Maximum LTV<\/th>\n            <th>Minimum Deposit<\/th>\n            <th>Note<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Resident expat \u00b7 first home \u2264 AED 5M<\/td><td>80%<\/td><td>20%<\/td><td><span class=\"mg-badge top\">Most common case<\/span><\/td><\/tr>\n          <tr><td>Resident expat \u00b7 first home &gt; AED 5M<\/td><td>70%<\/td><td>30%<\/td><td><span class=\"mg-badge high\">Threshold effect<\/span><\/td><\/tr>\n          <tr><td>Resident expat \u00b7 second or investment property<\/td><td>60%<\/td><td>40%<\/td><td><span class=\"mg-badge high\">Applies per additional unit<\/span><\/td><\/tr>\n          <tr><td>UAE national \u00b7 first home \u2264 AED 5M<\/td><td>85%<\/td><td>15%<\/td><td><span class=\"mg-badge low\">Highest ceiling<\/span><\/td><\/tr>\n          <tr><td>UAE national \u00b7 first home &gt; AED 5M<\/td><td>75%<\/td><td>25%<\/td><td><span class=\"mg-badge mid\">Threshold effect<\/span><\/td><\/tr>\n          <tr><td>UAE national \u00b7 second or investment property<\/td><td>65%<\/td><td>35%<\/td><td><span class=\"mg-badge mid\">Per additional unit<\/span><\/td><\/tr>\n          <tr><td>Any buyer \u00b7 off-plan purchase<\/td><td>50%<\/td><td>50%<\/td><td><span class=\"mg-badge top\">No exceptions<\/span><\/td><\/tr>\n          <tr><td>Non-resident overseas buyer<\/td><td>Typically 50&#8211;60%<\/td><td>40&#8211;50%<\/td><td><span class=\"mg-badge high\">Bank policy, not a cap<\/span><\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <p style=\"font-size:.78rem;color:#999;margin-top:10px;text-align:center\">Loan-to-value ceilings as reported by dataHabibi, &#8220;Mortgage in Dubai 2026: Rates &amp; LTV Limits&#8221;, published 11 July 2026, and by Grovy, &#8220;UAE Mortgage Rules 2026: LTV Limits &amp; Buyer Guide&#8221;, published 3 July 2026, both citing Central Bank of the UAE mortgage regulations. The non-resident range is lender policy rather than a published regulatory cap and is reported by Grovy. Individual bank criteria are stricter than these ceilings in most cases &#8212; confirm with your lender.<\/p>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 CARDS \u2550\u2550\u2550 -->\n<section class=\"mgs\">\n  <div class=\"mgc mgct\">\n    <span class=\"mgt\">The Process<\/span>\n    <h2 class=\"mg-title\">Six Steps From Enquiry to Title Deed<\/h2>\n    <p class=\"mg-sub\">The sequence is fixed. Knowing which step you are on tells you what can still change and what is already committed.<\/p>\n  <\/div>\n  <div class=\"mgc\">\n    <div class=\"mg-area-grid\">\n\n      <div class=\"mg-area-card\">\n        <div class=\"mg-area-head\">\n          <div class=\"mg-area-name\">Work Out Your Real Cash<\/div>\n          <div class=\"mg-area-type\">Step 01 \u00b7 Before You Look<\/div>\n        <\/div>\n        <div class=\"mg-area-body\">\n          <span class=\"mg-area-price\">Step 1<\/span>\n          <span class=\"mg-area-unit\">deposit plus fees, not deposit alone<\/span>\n          <div class=\"mg-area-row\"><span>Deposit<\/span><span>20% or more<\/span><\/div>\n          <div class=\"mg-area-row\"><span>DLD transfer fee<\/span><span>4% of value<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Agency commission<\/span><span>Typically 2%<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Financeable since Feb 2025<\/span><span>No<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"mg-area-card\">\n        <div class=\"mg-area-head\">\n          <div class=\"mg-area-name\">Obtain a Pre-Approval<\/div>\n          <div class=\"mg-area-type\">Step 02 \u00b7 The Bank<\/div>\n        <\/div>\n        <div class=\"mg-area-body\">\n          <span class=\"mg-area-price\">Step 2<\/span>\n          <span class=\"mg-area-unit\">in principle, before you offer<\/span>\n          <div class=\"mg-area-row\"><span>Assesses<\/span><span>Income and existing debt<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Binding on the bank<\/span><span>No &#8212; conditional<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Tests<\/span><span>Debt burden ratio<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Validity<\/span><span>Time-limited &#8212; ask<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"mg-area-card\">\n        <div class=\"mg-area-head\">\n          <div class=\"mg-area-name\">Agree Terms and Sign <a href=\"https:\/\/truhauz.com\/form-f-dubai\/\" style=\"color:#660033\">Form F<\/a><\/div>\n          <div class=\"mg-area-type\">Step 03 \u00b7 The Contract<\/div>\n        <\/div>\n        <div class=\"mg-area-body\">\n          <span class=\"mg-area-price\">Step 3<\/span>\n          <span class=\"mg-area-unit\">the binding sale agreement<\/span>\n          <div class=\"mg-area-row\"><span>Instrument<\/span><span>RERA Form F<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Deposit to<\/span><span>Registration trustee<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Include<\/span><span>Finance condition<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Then required<\/span><span>Developer NOC<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"mg-area-card\">\n        <div class=\"mg-area-head\">\n          <div class=\"mg-area-name\">Bank <a href=\"https:\/\/truhauz.com\/property-valuation-dubai\/\" style=\"color:#660033\">Valuation<\/a><\/div>\n          <div class=\"mg-area-type\">Step 04 \u00b7 The Risk Point<\/div>\n        <\/div>\n        <div class=\"mg-area-body\">\n          <span class=\"mg-area-price\">Step 4<\/span>\n          <span class=\"mg-area-unit\">LTV applies to this number<\/span>\n          <div class=\"mg-area-row\"><span>Instructed by<\/span><span>The lender<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Fee<\/span><span>AED 2,500&#8211;3,500<\/span><\/div>\n          <div class=\"mg-area-row\"><span>If below price<\/span><span>You fund the gap<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Basis of LTV<\/span><span>Lower of price or value<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"mg-area-card\">\n        <div class=\"mg-area-head\">\n          <div class=\"mg-area-name\">Final Offer Letter<\/div>\n          <div class=\"mg-area-type\">Step 05 \u00b7 Commitment<\/div>\n        <\/div>\n        <div class=\"mg-area-body\">\n          <span class=\"mg-area-price\">Step 5<\/span>\n          <span class=\"mg-area-unit\">the firm facility offer<\/span>\n          <div class=\"mg-area-row\"><span>Sets<\/span><span>Rate, term, LTV<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Check<\/span><span>Reversion margin<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Requires<\/span><span>Life cover in place<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Life cover cost<\/span><span>\u22480.15&#8211;0.25% \/ yr<\/span><\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"mg-area-card\">\n        <div class=\"mg-area-head\">\n          <div class=\"mg-area-name\">Transfer at the <a href=\"https:\/\/truhauz.com\/trustee-office-dubai\/\" style=\"color:#660033\">Trustee Office<\/a><\/div>\n          <div class=\"mg-area-type\">Step 06 \u00b7 Completion<\/div>\n        <\/div>\n        <div class=\"mg-area-body\">\n          <span class=\"mg-area-price\">Step 6<\/span>\n          <span class=\"mg-area-unit\">title deed issued same day<\/span>\n          <div class=\"mg-area-row\"><span>Trustee fee \u00b7 mortgaged<\/span><span>AED 2,100 or 4,200<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Mortgage registration<\/span><span>0.25% of loan<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Title deed<\/span><span>AED 250<\/span><\/div>\n          <div class=\"mg-area-row\"><span>Result<\/span><span>Title plus registered charge<\/span><\/div>\n        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 CTA STRIP \u2550\u2550\u2550 -->\n<div class=\"mg-cta-strip\">\n  <div class=\"mgc\">\n    <div class=\"mg-cta-in\">\n      <div>\n        <h3>Want your borrowing capacity worked out properly?<\/h3>\n        <p>Send us your income, your existing commitments and the property you are considering. TruHauz will map it against the caps before you commit to anything.<\/p>\n      <\/div>\n      <a href=\"https:\/\/truhauz.com\/contact\/\" class=\"mgbtn\">Ask TruHauz \u2192<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<!-- \u2550\u2550\u2550 ANALYSIS \u2550\u2550\u2550 -->\n<section class=\"mgs mgdk\">\n  <div class=\"mgc mgct\">\n    <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:16px;\">What Catches Borrowers Out<\/span>\n    <h2 class=\"mg-title white\">Three Things the Headline LTV Does Not Tell You<\/h2>\n    <p class=\"mg-sub white\" style=\"margin:0 auto 48px;\">Each of these has turned an approved buyer into a stalled one. All three are knowable in advance.<\/p>\n  <\/div>\n  <div class=\"mgc\">\n    <div class=\"mg-forecast\">\n      <div class=\"mg-fc\">\n        <span class=\"mg-fc-val\">+6%<\/span>\n        <h4>The fees are now cash<\/h4>\n        <p>Since 1 February 2025 banks do not finance the 4% DLD fee or the 2% agency commission. That is roughly six percentage points of the purchase price that used to sit inside the loan and now has to sit in your account, on top of the deposit.<\/p>\n      <\/div>\n      <div class=\"mg-fc\">\n        <span class=\"mg-fc-val\">50%<\/span>\n        <h4>The DBR counts everything<\/h4>\n        <p>The debt burden ratio caps all monthly debt repayments at half your monthly income &#8212; car finance, personal loans and credit card minimums included. Many applicants hit this ceiling well before they hit the loan-to-value one, which is why clearing a car loan can raise a mortgage offer more than a larger deposit does.<\/p>\n      <\/div>\n      <div class=\"mg-fc\">\n        <span class=\"mg-fc-val\">Valuation<\/span>\n        <h4>LTV applies to value, not price<\/h4>\n        <p>The percentage is applied to the bank&#8217;s own valuation, not to the price you negotiated. If the valuation comes in below the agreed price, the shortfall is funded entirely by you &#8212; the bank does not stretch its ratio to close the gap.<\/p>\n      <\/div>\n    <\/div>\n    <div style=\"background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);border-radius:12px;padding:22px 24px;margin-top:32px;font-size:.93rem;color:rgba(255,255,255,.78)!important;line-height:1.75;\">\n      <strong style=\"color:#fff!important;\">Worked illustration &#8212; the cash required on an AED 1,500,000 first home.<\/strong> Inputs: resident expatriate, first property, ready (not off-plan), valuation equal to price, 80% LTV, agency commission at 2%. The loan is AED 1,200,000 and the deposit AED 300,000. On top of that: DLD transfer fee at 4% is AED 60,000; agency commission at 2% is AED 30,000; the registration trustee fee on a mortgaged-property sale is AED 4,200; mortgage registration at 0.25% of the loan is AED 3,000; the title deed is AED 250; knowledge and innovation fees add AED 20. That is AED 97,470 of transaction cost, bringing the cash required to approximately <strong style=\"color:#fff!important;\">AED 397,470<\/strong> &#8212; about 26.5% of the purchase price &#8212; before the bank&#8217;s valuation fee and life cover. This is an illustration built from the stated inputs and the published fee schedule set out in our <a href=\"https:\/\/truhauz.com\/dld-fees-dubai\/\" style=\"color:#fff!important;text-decoration:underline!important;\">DLD fees guide<\/a>, not a quotation for a specific transaction. Change any input and the figure changes.\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2550\u2550\u2550 FAQ \u2550\u2550\u2550 -->\n<section class=\"mgs mgg\">\n  <div class=\"mgc mgct\">\n    <span class=\"mgt\">FAQ<\/span>\n    <h2 class=\"mg-title\">Frequently Asked Questions<\/h2>\n    <p class=\"mg-sub\">The questions buyers ask most often about getting a mortgage in Dubai.<\/p>\n  <\/div>\n  <div class=\"mgc\">\n    <div class=\"mg-faq-list\">\n      <div class=\"mg-faq-item\">\n        <div class=\"mg-faq-q\" onclick=\"mgFaq(this)\">How much deposit do I need to buy a property in Dubai with a mortgage?<span class=\"mg-faq-icon\">+<\/span><\/div>\n        <div class=\"mg-faq-a\">For a resident expatriate buying a first home priced at AED 5 million or below, the Central Bank of the UAE&#8217;s mortgage caps allow a loan of up to 80% of value, so the deposit is at least 20%. Above AED 5 million the cap falls to 70%, making the deposit 30%. A second or investment property is capped at 60% for expatriates, so 40% down. Since 1 February 2025 banks no longer fold the 4% Dubai Land Department fee or the 2% agency commission into the loan, so you also need those in cash on top of the deposit. On an AED 1 million purchase Khaleej Times reported that as roughly AED 60,000 of additional upfront money.<\/div>\n      <\/div>\n      <div class=\"mg-faq-item\">\n        <div class=\"mg-faq-q\" onclick=\"mgFaq(this)\">What is the maximum loan-to-value for an expat in Dubai?<span class=\"mg-faq-icon\">+<\/span><\/div>\n        <div class=\"mg-faq-a\">The ceilings reported by dataHabibi in July 2026 and by Grovy in July 2026 are 80% for a resident expatriate&#8217;s first home up to AED 5 million, 70% above AED 5 million, and 60% on a second or investment property. UAE nationals sit five to ten points higher at 85%, 75% and 65% respectively. Any property bought off-plan is capped at 50% regardless of who is buying. These are regulatory ceilings, not entitlements &#8212; an individual bank can and often will lend less than the cap based on your income, your existing debt and its own view of the building.<\/div>\n      <\/div>\n      <div class=\"mg-faq-item\">\n        <div class=\"mg-faq-q\" onclick=\"mgFaq(this)\">What is the debt burden ratio and how does it limit my Dubai mortgage?<span class=\"mg-faq-icon\">+<\/span><\/div>\n        <div class=\"mg-faq-a\">The debt burden ratio, or DBR, caps your total monthly debt repayments at 50% of your monthly income. It is not measured on the mortgage alone. Car finance, personal loans, credit card minimum payments and any school-fee facility are all counted, which is why applicants are frequently approved for less than the loan-to-value cap would suggest. Sources differ on whether the 50% is measured against gross or net income &#8212; Grovy&#8217;s July 2026 summary says gross monthly income, while Ricadi Mortgages in September 2025 says net monthly income &#8212; so confirm which basis your lender uses before you rely on a number.<\/div>\n      <\/div>\n      <div class=\"mg-faq-item\">\n        <div class=\"mg-faq-q\" onclick=\"mgFaq(this)\">What mortgage rates are available in Dubai in 2026?<span class=\"mg-faq-icon\">+<\/span><\/div>\n        <div class=\"mg-faq-a\">dataHabibi&#8217;s mortgage guide, published 11 July 2026, reported fixed rates from major banks spanning roughly 3.75% to just under 5%, with pricing concentrated in the shorter fixed periods. After a fixed period ends the loan reverts to EIBOR plus a bank margin, commonly in the 1.5% to 3% range. The same source put three-month EIBOR at approximately 3.85% in late June 2026, with the Central Bank base rate at 3.65%. Rates move, and the reversion margin matters more over a 25-year term than the headline fixed rate does, so compare the follow-on margin as carefully as the teaser.<\/div>\n      <\/div>\n      <div class=\"mg-faq-item\">\n        <div class=\"mg-faq-q\" onclick=\"mgFaq(this)\">Can I pay off a Dubai mortgage early, and what does it cost?<span class=\"mg-faq-icon\">+<\/span><\/div>\n        <div class=\"mg-faq-a\">Yes. The early settlement fee is capped at 1% of the outstanding balance or AED 10,000, whichever is lower. That cap was introduced by the Central Bank through Decision No. 96\/By Circulation\/2019, which amended Appendix 2 of Regulation No. 29\/2011 and replaced a 3% fee that had applied since June 2018. The cap covers both full and partial early repayment, which makes overpaying a Dubai mortgage considerably cheaper than many borrowers assume.<\/div>\n      <\/div>\n      <div class=\"mg-faq-item\">\n        <div class=\"mg-faq-q\" onclick=\"mgFaq(this)\">What fees do I pay on top of a Dubai mortgage?<span class=\"mg-faq-icon\">+<\/span><\/div>\n        <div class=\"mg-faq-a\">On the Land Department side, the transfer fee is 4% of the sale value, the title deed costs AED 250, knowledge and innovation fees add AED 10 each, and the registration trustee charges AED 2,100 or AED 4,200 on a mortgaged-property sale. Registering the mortgage itself costs 0.25% of the mortgage value, and releasing an existing one costs AED 1,290 plus AED 315 to the registrar. On the bank side you will also meet a valuation fee, which dataHabibi put at roughly AED 2,500 to AED 3,500 in July 2026, and mandatory life cover the same source priced at around 0.15% to 0.25% a year of the outstanding balance.<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<div style=\"max-width:1140px;margin:0 auto;padding:0 20px 44px;\"><div style=\"background:#fdf0f5;border-left:4px solid #660033;padding:16px 20px;border-radius:0 8px 8px 0;font-family:'Inter',sans-serif;font-size:.92rem;line-height:1.75;color:#333;\"><strong>Related reading:<\/strong> Anything bought before completion is financed under a different and much tighter rule &#8212; see our guide to <a href=\"https:\/\/truhauz.com\/off-plan-mortgage-dubai\/\" style=\"color:#660033;font-weight:600;\">off-plan mortgages in Dubai<\/a>. Where the developer rather than a bank carries the balance, the arrangement is a credit agreement of a different kind, explained in <a href=\"https:\/\/truhauz.com\/post-handover-payment-plan-dubai\/\" style=\"color:#660033;font-weight:600;\">post-handover payment plans in Dubai<\/a>. The full Land Department invoice that sits alongside the loan is itemised in <a href=\"https:\/\/truhauz.com\/dld-fees-dubai\/\" style=\"color:#660033;font-weight:600;\">DLD fees in Dubai<\/a>, and the commission line the Central Bank directive made non-financeable is covered in <a href=\"https:\/\/truhauz.com\/real-estate-agent-commission-dubai\/\" style=\"color:#660033;font-weight:600;\">real estate agent commission in Dubai<\/a>. First-time buyers should also check whether they qualify under the <a href=\"https:\/\/truhauz.com\/dubai-first-time-home-buyer-programme\/\" style=\"color:#660033;font-weight:600;\">Dubai First-Time Home Buyer Programme<\/a>. What the registered charge actually attaches to is set out in our guide to the <a href=\"https:\/\/truhauz.com\/title-deed-dubai\/\" style=\"color:#660033;font-weight:600;\">Dubai title deed<\/a>, and the recurring cost of holding the asset once financed is covered in <a href=\"https:\/\/truhauz.com\/service-charges-dubai\/\" style=\"color:#660033;font-weight:600;\">service charges in Dubai<\/a>. Tenants weighing finance against renting may also want our guide to <a href=\"https:\/\/truhauz.com\/rent-to-own-dubai\/\" style=\"color:#660033;font-weight:600;\">rent to own in Dubai<\/a>. Owners who already hold a Dubai property and want to borrow against its risen value rather than buy again are doing something different under the same ceilings &#8212; that is covered in our guide to <a href=\"https:\/\/truhauz.com\/equity-release-dubai\/\" style=\"color:#660033;font-weight:600;\">equity release in Dubai<\/a>.<br><br><em style=\"color:#666;font-size:.86rem;\">This guide is general information about how mortgage lending works in Dubai, drawn from the sources named and dated throughout. It is not legal, tax or financial advice, and it is not a recommendation of any lender or product. Regulatory caps, bank criteria and fee schedules change. Confirm current terms with your lender and take independent advice before committing to a facility.<\/em><\/div><\/div>\n\n<!-- \u2550\u2550\u2550 CONTACT \u2550\u2550\u2550 -->\n<section class=\"mg-contact\" id=\"mg-contact\">\n  <div class=\"mgc\">\n    <div class=\"mg-contact-inner\">\n      <div>\n        <span style=\"display:inline-block;background:rgba(255,255,255,.15);color:#fff!important;font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 15px;border-radius:100px;margin-bottom:18px;\">Talk to TruHauz<\/span>\n        <h2 style=\"font-family:'Playfair Display',serif;font-size:clamp(1.5rem,4vw,2.1rem);color:#fff!important;margin-bottom:10px;line-height:1.2;\">Know What You Can Borrow Before You Offer<\/h2>\n        <p style=\"color:rgba(255,255,255,.72)!important;font-size:.93rem;line-height:1.75;margin-bottom:24px;\">TruHauz works the caps, the debt burden ratio and the full cash requirement against your actual position &#8212; so the budget you shop with is the budget you can complete on. 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Above AED 5 million the cap falls to 70%, making the deposit 30%. A second or investment property is capped at 60% for expatriates, so 40% down. Since 1 February 2025 banks no longer fold the 4% Dubai Land Department fee or the 2% agency commission into the loan, so you also need those in cash on top of the deposit. On an AED 1 million purchase Khaleej Times reported that as roughly AED 60,000 of additional upfront money.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What is the maximum loan-to-value for an expat in Dubai?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"The ceilings reported by dataHabibi in July 2026 and by Grovy in July 2026 are 80% for a resident expatriate\u2019s first home up to AED 5 million, 70% above AED 5 million, and 60% on a second or investment property. UAE nationals sit five to ten points higher at 85%, 75% and 65% respectively. Any property bought off-plan is capped at 50% regardless of who is buying. These are regulatory ceilings, not entitlements \u2014 an individual bank can and often will lend less than the cap based on your income, your existing debt and its own view of the building.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What is the debt burden ratio and how does it limit my Dubai mortgage?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"The debt burden ratio, or DBR, caps your total monthly debt repayments at 50% of your monthly income. It is not measured on the mortgage alone. Car finance, personal loans, credit card minimum payments and any school-fee facility are all counted, which is why applicants are frequently approved for less than the loan-to-value cap would suggest. Sources differ on whether the 50% is measured against gross or net income \u2014 Grovy\u2019s July 2026 summary says gross monthly income, while Ricadi Mortgages in September 2025 says net monthly income \u2014 so confirm which basis your lender uses before you rely on a number.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What mortgage rates are available in Dubai in 2026?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"dataHabibi\u2019s mortgage guide, published 11 July 2026, reported fixed rates from major banks spanning roughly 3.75% to just under 5%, with pricing concentrated in the shorter fixed periods. After a fixed period ends the loan reverts to EIBOR plus a bank margin, commonly in the 1.5% to 3% range. The same source put three-month EIBOR at approximately 3.85% in late June 2026, with the Central Bank base rate at 3.65%. Rates move, and the reversion margin matters more over a 25-year term than the headline fixed rate does, so compare the follow-on margin as carefully as the teaser.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Can I pay off a Dubai mortgage early, and what does it cost?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Yes. The early settlement fee is capped at 1% of the outstanding balance or AED 10,000, whichever is lower. That cap was introduced by the Central Bank through Decision No. 96\/By Circulation\/2019, which amended Appendix 2 of Regulation No. 29\/2011 and replaced a 3% fee that had applied since June 2018. The cap covers both full and partial early repayment, which makes overpaying a Dubai mortgage considerably cheaper than many borrowers assume.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What fees do I pay on top of a Dubai mortgage?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"On the Land Department side, the transfer fee is 4% of the sale value, the title deed costs AED 250, knowledge and innovation fees add AED 10 each, and the registration trustee charges AED 2,100 or AED 4,200 on a mortgaged-property sale. Registering the mortgage itself costs 0.25% of the mortgage value, and releasing an existing one costs AED 1,290 plus AED 315 to the registrar. On the bank side you will also meet a valuation fee, which dataHabibi put at roughly AED 2,500 to AED 3,500 in July 2026, and mandatory life cover the same source priced at around 0.15% to 0.25% a year of the outstanding balance.\"\n   }\n  }\n ]\n}<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>Dubai mortgage lending sits inside three hard ceilings: loan-to-value, a 50% debt burden ratio, and a 25-year maximum term. Here is the framework, the real cost of borrowing in 2026, and the cash you need on transfer day.<\/p>","protected":false},"author":12,"featured_media":36349,"comment_status":"open","ping_status":"0","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[5],"tags":[],"class_list":["post-39621","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-dubai-real-estate-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.5 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Get a Mortgage in Dubai: LTV, Rates &amp; Costs<\/title>\n<meta name=\"description\" content=\"How to get a mortgage in Dubai: Central Bank LTV caps, the 50% debt burden ratio, 2026 rates, every fee, and the cash you actually need at transfer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/truhauz.com\/fa\/how-to-get-a-mortgage-in-dubai\/\" \/>\n<meta property=\"og:locale\" content=\"fa_IR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Get a Mortgage in Dubai: LTV Limits, Costs and the 2026 Process\" \/>\n<meta property=\"og:description\" content=\"How to get a mortgage in Dubai: Central Bank LTV caps, the 50% debt burden ratio, 2026 rates, every fee, and the cash you actually need at transfer.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/truhauz.com\/fa\/how-to-get-a-mortgage-in-dubai\/\" \/>\n<meta property=\"og:site_name\" content=\"Dubai Real Estate - Apartments, Villas, Townhouses, Penthouses | TruHauz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=61575393084920\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-15T05:20:34+00:00\" \/>\n<meta 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