{"id":39835,"date":"2026-09-18T13:28:19","date_gmt":"2026-09-18T09:28:19","guid":{"rendered":"https:\/\/truhauz.com\/?p=39835"},"modified":"2026-09-18T13:45:23","modified_gmt":"2026-09-18T09:45:23","slug":"uae-interest-rate-rise-dubai-mortgage","status":"publish","type":"post","link":"https:\/\/truhauz.com\/fa\/uae-interest-rate-rise-dubai-mortgage\/","title":{"rendered":"UAE Interest Rate Rise: What the 0.25% Means for Dubai Mortgages"},"content":{"rendered":"\n<!-- ============================================================\n  TRUHAUZ.COM \u2014 MORTGAGES \/ MARKET UPDATE\n  Title:    UAE Interest Rate Rise: What the 0.25% Means for Dubai Mortgages\n  Slug:     uae-interest-rate-rise-dubai-mortgage\n  Keywords: uae interest rate, dubai mortgage rates, eibor, cbuae base rate\n  Built:    18 September 2026 \u2014 scaffolding copied from post 39146\n============================================================ -->\n\n<style>\n@import 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a{color:rgba(255,255,255,.9)!important;text-decoration:underline!important}\n.cm-form-wrap{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:14px;overflow:hidden}\n.cm-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.cm-footer-strip a{color:rgba(255,255,255,.8)!important}\n\n\/* RESPONSIVE *\/\n@media(max-width:960px){\n  .cm-area-grid{grid-template-columns:1fr 1fr}\n  .cm-2col{grid-template-columns:1fr;gap:36px}\n  .cm-forecast{grid-template-columns:1fr 1fr}\n  .cm-contact-inner{grid-template-columns:1fr;gap:36px}\n  .cm-cta-in{flex-direction:column;text-align:center}\n  .cm-strip-in{grid-template-columns:repeat(2,1fr)}\n}\n@media(max-width:640px){\n  .cmc{padding:0 16px}\n  .cms{padding:44px 0}\n  .cm-hero{min-height:auto}\n  .cm-hero-content{padding:48px 16px 56px}\n  .cm-hero h1{font-size:clamp(1.8rem,7.5vw,2.6rem)}\n  .cm-area-grid{grid-template-columns:1fr}\n  .cm-forecast{grid-template-columns:1fr}\n  .cm-strip-in{grid-template-columns:repeat(2,1fr)}\n  .cm-si{padding:15px 8px}\n  .cm-title{font-size:clamp(1.4rem,6vw,1.9rem)}\n  .cm-contact{padding:48px 0}\n}\n@media(max-width:480px){.cmc{padding:0 14px}}\n<\/style>\n\n<div class=\"cm\">\n<!-- HERO -->\n<section class=\"cm-hero\">\n  <div class=\"cm-hero-bg\"><\/div>\n  <div class=\"cm-hero-pat\"><\/div>\n  <div class=\"cm-hero-ov\"><\/div>\n  <div class=\"cm-hero-content\">\n    <span class=\"cm-eyebrow\">Mortgages &middot; Market Update &middot; September 2026<\/span>\n    <h1>The UAE Just Raised Rates<br><span>What the 0.25% Rise Means for Your Dubai Mortgage<\/span><\/h1>\n    <p class=\"cm-hero-sub\">The Central Bank of the UAE lifted its base rate to 3.90% on 17 September 2026, following the US Federal Reserve&#8217;s first hike since 2023. Here is what actually changes for a Dubai buyer &mdash; and for most people, it is less than the headline suggests.<\/p>\n    <div class=\"cm-hero-meta\">\n      <span class=\"cm-hm\">\ud83d\udcc5 <strong>Updated 18 September 2026<\/strong><\/span>\n      <span class=\"cm-hm\">\u23f1\ufe0f <strong>4 min read<\/strong><\/span>\n      <span class=\"cm-hm\">\ud83d\udcca <strong>TruHauz Research<\/strong><\/span>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- STATS STRIP -->\n<div class=\"cm-strip\">\n  <div class=\"cm-strip-in\">\n    <div class=\"cm-si\"><span class=\"cm-sv\">3.90%<\/span><span class=\"cm-sl\">New CBUAE base rate<\/span><\/div>\n    <div class=\"cm-si\"><span class=\"cm-sv\">+0.25%<\/span><span class=\"cm-sl\">Rise, from 3.65%<\/span><\/div>\n    <div class=\"cm-si\"><span class=\"cm-sv\">4.21%<\/span><span class=\"cm-sl\">3-month EIBOR<\/span><\/div>\n    <div class=\"cm-si\"><span class=\"cm-sv\">17 Sep<\/span><span class=\"cm-sl\">Effective date<\/span><\/div>\n  <\/div>\n<\/div>\n\n<!-- WHAT HAPPENED -->\n<section class=\"cms\">\n  <div class=\"cmc\">\n    <div class=\"cm-2col\">\n      <div class=\"cm-body\">\n        <span class=\"cmt\">What Happened<\/span>\n        <h2 class=\"cm-title\">The Cutting Cycle Just Reversed<\/h2>\n        <div class=\"cm-hbox\"><strong>The one-line version:<\/strong> borrowing in the UAE got 0.25% more expensive. If your mortgage is on a fixed rate you will not feel it yet. If it is variable, you will feel it at your next reset &mdash; and on a typical AED 2M loan that is about AED 286 a month.<\/div>\n        <p>On 16 September the US Federal Reserve raised its Interest Rate on Reserve Balances by 25 basis points &mdash; its first increase since 2023. Because the dirham is pegged to the dollar, the Central Bank of the UAE moves with it, and it did so the following day: the Base Rate applied to its Overnight Deposit Facility went from 3.65% to 3.90%, effective Thursday 17 September 2026.<\/p>\n        <p>That base rate is not the rate on your mortgage. It sets the floor for the interbank market, and the number that actually reaches borrowers is EIBOR &mdash; the rate UAE banks lend to each other at, which most variable mortgages are priced against. Three-month EIBOR moved to 4.21% on 17 September, up from 4.13% the day before.<\/p>\n        <p>The direction is the story here, not the size. Buyers have spent two years planning around rates that only fell. That assumption no longer holds.<\/p>\n      <\/div>\n      <div class=\"cm-ov\">\n        <div class=\"cm-ov-head\">\n          <h3>The Numbers<\/h3>\n          <p>Where UAE rates stand today<\/p>\n        <\/div>\n        <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">CBUAE base rate<\/span><span class=\"cm-ov-r burg\">3.90%<\/span><\/div>\n        <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Previous rate<\/span><span class=\"cm-ov-r\">3.65%<\/span><\/div>\n        <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Move<\/span><span class=\"cm-ov-r burg\">+25 basis points<\/span><\/div>\n        <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Effective<\/span><span class=\"cm-ov-r\">17 September 2026<\/span><\/div>\n        <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Applies to<\/span><span class=\"cm-ov-r\">Overnight Deposit Facility<\/span><\/div>\n        <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">3-month EIBOR<\/span><span class=\"cm-ov-r burg\">4.21%<\/span><\/div>\n        <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">EIBOR day before<\/span><span class=\"cm-ov-r\">4.13%<\/span><\/div>\n        <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Trigger<\/span><span class=\"cm-ov-r\">US Fed, 16 Sep<\/span><\/div>\n        <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Fed&#8217;s last hike before this<\/span><span class=\"cm-ov-r\">2023<\/span><\/div>\n        <div class=\"cm-ov-row\"><span class=\"cm-ov-l\">Fixed-rate borrowers<\/span><span class=\"cm-ov-r up\">No change yet<\/span><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- COST TABLE -->\n<section class=\"cms cmg\">\n  <div class=\"cmc\">\n    <span class=\"cmt\">What It Costs<\/span>\n    <h2 class=\"cm-title\">What 0.25% Adds to a Monthly Payment<\/h2>\n    <p class=\"cm-sub\">A quarter point sounds like nothing until you put it against a 25-year term. These are illustrative figures for a repayment mortgage whose rate moves from 4.50% to 4.75% &mdash; your own rate will differ, but the size of the step will not.<\/p>\n    <div class=\"cm-table-wrap\">\n      <table class=\"cm-table\">\n        <thead><tr><th>Loan amount<\/th><th>At 4.50%<\/th><th>At 4.75%<\/th><th>Extra per month<\/th><th>Extra per year<\/th><\/tr><\/thead>\n        <tbody>\n          <tr><td>AED 1,000,000<\/td><td>AED 5,558<\/td><td>AED 5,701<\/td><td><span class=\"cm-badge low\">+AED 143<\/span><\/td><td>AED 1,714<\/td><\/tr>\n          <tr><td>AED 1,500,000<\/td><td>AED 8,337<\/td><td>AED 8,552<\/td><td><span class=\"cm-badge low\">+AED 214<\/span><\/td><td>AED 2,571<\/td><\/tr>\n          <tr><td>AED 2,000,000<\/td><td>AED 11,117<\/td><td>AED 11,402<\/td><td><span class=\"cm-badge mid\">+AED 286<\/span><\/td><td>AED 3,428<\/td><\/tr>\n          <tr><td>AED 3,000,000<\/td><td>AED 16,675<\/td><td>AED 17,104<\/td><td><span class=\"cm-badge mid\">+AED 429<\/span><\/td><td>AED 5,143<\/td><\/tr>\n          <tr><td>AED 5,000,000<\/td><td>AED 27,792<\/td><td>AED 28,506<\/td><td><span class=\"cm-badge high\">+AED 714<\/span><\/td><td>AED 8,571<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <p style=\"font-size:.78rem;color:#999;margin-top:10px;text-align:center\">TruHauz calculation. Standard repayment mortgage, 25-year term, rate moving from 4.50% to 4.75%. Illustrative only &mdash; it shows the size of a 0.25% step, not a quote. Your rate depends on your lender, your margin over EIBOR and your profile.<\/p>\n  <\/div>\n<\/section>\n\n<!-- FIXED VS VARIABLE - DARK -->\n<section class=\"cms cmdk\">\n  <div class=\"cmc cmct\">\n    <span class=\"cmt\">Who Is Affected<\/span>\n    <h2 class=\"cm-title white\">Fixed or Variable Decides Everything<\/h2>\n    <p class=\"cm-sub white\">Most Dubai mortgages are fixed for an introductory period and then revert to a variable rate tracking EIBOR plus a bank margin. Which side of that line you are on determines whether this week matters to you at all.<\/p>\n  <\/div>\n  <div class=\"cmc\">\n    <div class=\"cm-forecast\">\n      <div class=\"cm-fc\">\n        <span class=\"cm-fc-val\">Fixed<\/span>\n        <h4>Nothing changes yet<\/h4>\n        <p>Nothing changes for the rest of your fixed period. Your payment is locked. The date worth knowing is when that period ends &mdash; put it in your calendar now, because that is the day this rise reaches you.<\/p>\n      <\/div>\n      <div class=\"cm-fc\">\n        <span class=\"cm-fc-val\">Variable<\/span>\n        <h4>You feel it at the next reset<\/h4>\n        <p>Your rate is EIBOR plus your bank&#8217;s margin, and it reprices at set intervals &mdash; commonly every three or six months. You will see the increase at your next reset, not immediately.<\/p>\n      <\/div>\n      <div class=\"cm-fc\">\n        <span class=\"cm-fc-val\">Buying now<\/span>\n        <h4>Lock the rate while you search<\/h4>\n        <p>Some UAE lenders will hold an approved rate for up to 90 days. If you are house-hunting, getting pre-approved fixes your borrowing cost while you search rather than leaving it floating.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- WHAT TO DO -->\n<section class=\"cms\">\n  <div class=\"cmc\">\n    <div class=\"cm-body\">\n      <span class=\"cmt\">What To Do<\/span>\n      <h2 class=\"cm-title\">Four Things Worth Doing This Week<\/h2>\n      <p><strong>1. Find out which rate you are on.<\/strong> A surprising number of Dubai owners cannot say whether they are fixed or variable, or when the fixed period ends. Your offer letter says both. Read it.<\/p>\n      <p><strong>2. If you are buying, get pre-approved.<\/strong> A rate hold of up to 90 days turns an unknown into a fixed number while you search. It costs nothing to have and it removes the risk that your budget moves under you mid-search.<\/p>\n      <p><strong>3. Re-run your affordability at a higher rate, not today&#8217;s.<\/strong> If a purchase only works at 4.50%, it is not a purchase that works. Stress it at a point higher and see whether you still like it.<\/p>\n      <p><strong>4. Do not panic-fix on one move.<\/strong> One 25 basis point rise is not a trend, and fixing has its own cost &mdash; you usually pay a premium for the certainty and you give up the upside if rates fall again. Decide on your own time horizon, not on one week&#8217;s headline.<\/p>\n      <p>For context on what a Dubai mortgage involves end to end &mdash; deposit rules, fees, and what lenders ask of non-residents &mdash; our <a href=\"https:\/\/truhauz.com\/mortgage-guide\/\" style=\"color:#660033\">Dubai mortgage guide<\/a> covers the process in full.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- CTA -->\n<div class=\"cm-cta-strip\">\n  <div class=\"cmc\">\n    <div class=\"cm-cta-in\">\n      <div>\n        <h3>Not sure what this does to your budget?<\/h3>\n        <p>Send us your loan size and term and TruHauz will run the numbers at today&#8217;s rates &mdash; and introduce you to a mortgage adviser who can hold a rate while you look.<\/p>\n      <\/div>\n      <a href=\"https:\/\/truhauz.com\/contact\/\" class=\"cmbtn\">Ask TruHauz &rarr;<\/a>\n    <\/div>\n  <\/div>\n<\/div>\n\n<section class=\"cms cmg\">\n  <div class=\"cmc cmct\">\n    <span class=\"cmt\">FAQ<\/span>\n    <h2 class=\"cm-title\">Questions Buyers Are Asking This Week<\/h2>\n  <\/div>\n  <div class=\"cmc\">\n    <div class=\"cm-faq-list\">\n      <div class=\"cm-faq-item\">\n        <div class=\"cm-faq-q\" onclick=\"cmFaq(this)\">Did UAE interest rates go up in September 2026?<span class=\"cm-faq-icon\">+<\/span><\/div>\n        <div class=\"cm-faq-a\"><p>Yes. The Central Bank of the UAE raised its Base Rate by 25 basis points, from 3.65% to 3.90%, effective Thursday 17 September 2026. The Base Rate applies to the CBUAE&#8217;s Overnight Deposit Facility and signals the general stance of UAE monetary policy. The move followed the US Federal Reserve&#8217;s decision on 16 September to raise its Interest Rate on Reserve Balances by the same amount &mdash; the Fed&#8217;s first increase since 2023. Because the UAE dirham is pegged to the US dollar, the CBUAE tracks Federal Reserve decisions closely, which is why UAE rate changes almost always follow within a day.<\/p><\/div>\n      <\/div>\n      <div class=\"cm-faq-item\">\n        <div class=\"cm-faq-q\" onclick=\"cmFaq(this)\">How much will my Dubai mortgage payment go up?<span class=\"cm-faq-icon\">+<\/span><\/div>\n        <div class=\"cm-faq-a\"><p>On a 25-year repayment mortgage, a rate moving from 4.50% to 4.75% adds roughly AED 143 a month on a AED 1,000,000 loan, AED 286 on AED 2,000,000, and AED 714 on AED 5,000,000. Over a year that is about AED 1,714, AED 3,428 and AED 8,571 respectively. Those are illustrative figures, not a quote &mdash; your actual payment depends on your lender, your margin over EIBOR, your remaining term and your profile. The point is the scale: a quarter point is a real number on a large loan over a long term, but it is not the kind of move that breaks a well-structured purchase.<\/p><\/div>\n      <\/div>\n      <div class=\"cm-faq-item\">\n        <div class=\"cm-faq-q\" onclick=\"cmFaq(this)\">Does this affect me if I have a fixed-rate mortgage?<span class=\"cm-faq-icon\">+<\/span><\/div>\n        <div class=\"cm-faq-a\"><p>Not during your fixed period. If you are on a fixed rate, your repayments stay the same until that period ends, regardless of what the Central Bank does in the meantime. What matters is the date your fixed term expires, because that is when your loan reverts to a variable rate and picks up whatever the rate environment looks like then. Most Dubai mortgages are fixed for an introductory period of one to five years and then revert to EIBOR plus a bank margin. If you do not know your expiry date, it is on your offer letter, and it is worth diarising.<\/p><\/div>\n      <\/div>\n      <div class=\"cm-faq-item\">\n        <div class=\"cm-faq-q\" onclick=\"cmFaq(this)\">What is EIBOR and why does it matter more than the base rate?<span class=\"cm-faq-icon\">+<\/span><\/div>\n        <div class=\"cm-faq-a\"><p>EIBOR is the Emirates Interbank Offered Rate &mdash; the rate at which UAE banks lend to one another. It is the benchmark most UAE variable mortgages are actually priced against, usually quoted as EIBOR plus a bank margin. The CBUAE Base Rate sets the floor for that interbank market, so a change in the Base Rate feeds through to EIBOR rather than applying to your loan directly. Three-month EIBOR stood at 4.21% on 17 September 2026, up from 4.13% the previous day. If you hold a variable mortgage, EIBOR is the number to watch, not the headline base rate.<\/p><\/div>\n      <\/div>\n      <div class=\"cm-faq-item\">\n        <div class=\"cm-faq-q\" onclick=\"cmFaq(this)\">Should I lock in a fixed rate now?<span class=\"cm-faq-icon\">+<\/span><\/div>\n        <div class=\"cm-faq-a\"><p>It depends on your time horizon, not on one week&#8217;s news. A single 25 basis point rise is not a trend, and fixing is not free &mdash; you generally pay a premium for the certainty, and you give up the benefit if rates fall again during the fixed period. Fixing makes most sense if a rise would genuinely strain your budget or if you need payment certainty for a defined period. If you are still searching rather than committed, the more useful step is a mortgage pre-approval: some UAE lenders will hold an approved rate for up to 90 days, which protects your borrowing cost while you look without locking you into a long fixed term.<\/p><\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- SOURCES -->\n<section class=\"cms\">\n  <div class=\"cmc\">\n    <p style=\"font-size:.78rem;color:#999;text-align:center;line-height:1.7\">\n      Base Rate change, effective date and facility as announced by the Central Bank of the UAE on 17 September 2026 and reported by Gulf News and Khaleej Times. US Federal Reserve decision of 16 September 2026. Three-month EIBOR levels for 16&ndash;17 September 2026 per Trading Economics. Payment figures are TruHauz calculations on a standard 25-year repayment mortgage. This article is general information about the UAE rate environment and is not financial, mortgage or investment advice &mdash; take advice on your own circumstances before acting.\n    <\/p>\n  <\/div>\n<\/section>\n\n<!-- CONTACT -->\n<div class=\"cm-contact\">\n  <div class=\"cmc\">\n    <h2 class=\"cm-title white\">Talk to TruHauz<\/h2>\n    <p class=\"cm-sub white\">Whether you are buying, refinancing or just want to know what your next reset looks like, send us the numbers and we will come back with a straight answer.<\/p>\n    <p style=\"text-align:center;margin-top:24px\"><a href=\"https:\/\/truhauz.com\/contact\/\" class=\"cmbtn\">Contact TruHauz &rarr;<\/a><\/p>\n  <\/div>\n<\/div>\n\n\n<div class=\"cm-footer-strip\">\n  \u00a9 2026 TruHauz Real Estate \u00b7 RERA Reg. 60838 \u00b7 Dubai, UAE<br>\n  <a href=\"https:\/\/truhauz.com\/buy\/\">Buy<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/status\/off-plan\/\">Off Plan<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/golden-visa\/\">Golden Visa<\/a> \u00b7 <a href=\"https:\/\/truhauz.com\/mortgage-guide\/\">Mortgage Guide<\/a>\n<\/div>\n\n<\/div><!-- end .cm -->\n\n<script>\nfunction cmFaq(el){var item=el.parentElement;var wasOpen=item.classList.contains('cm-open');document.querySelectorAll('.cm-faq-item.cm-open').forEach(function(i){i.classList.remove('cm-open');});if(!wasOpen)item.classList.add('cm-open');}\n(function(){function init(){var w=document.querySelector('.cm');if(!w)return;var e=w.parentElement;while(e&&e!==document.documentElement){e.style.setProperty('padding-left','0px','important');e.style.setProperty('padding-right','0px','important');e.style.setProperty('padding-top','0px','important');e.style.setProperty('overflow','visible','important');e.style.setProperty('max-width','none','important');e=e.parentElement;}['.post-header-wrap','.post-thumbnail-wrap'].forEach(function(s){var el=document.querySelector(s);if(el)el.style.setProperty('display','none','important');});document.body.style.setProperty('overflow-x','hidden','important');}document.readyState==='loading'?document.addEventListener('DOMContentLoaded',init):init();})();\n<\/script>\n\n\n<script type=\"application\/ld+json\">{\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"FAQPage\",\n \"@id\": \"https:\/\/truhauz.com\/uae-interest-rate-rise-dubai-mortgage\/#faq\",\n \"url\": \"https:\/\/truhauz.com\/uae-interest-rate-rise-dubai-mortgage\/\",\n \"mainEntity\": [\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Did UAE interest rates go up in September 2026?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Yes. The Central Bank of the UAE raised its Base Rate by 25 basis points, from 3.65% to 3.90%, effective Thursday 17 September 2026. The Base Rate applies to the CBUAE's Overnight Deposit Facility and signals the general stance of UAE monetary policy. The move followed the US Federal Reserve's decision on 16 September to raise its Interest Rate on Reserve Balances by the same amount &mdash; the Fed's first increase since 2023. Because the UAE dirham is pegged to the US dollar, the CBUAE tracks Federal Reserve decisions closely, which is why UAE rate changes almost always follow within a day.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"How much will my Dubai mortgage payment go up?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"On a 25-year repayment mortgage, a rate moving from 4.50% to 4.75% adds roughly AED 143 a month on a AED 1,000,000 loan, AED 286 on AED 2,000,000, and AED 714 on AED 5,000,000. Over a year that is about AED 1,714, AED 3,428 and AED 8,571 respectively. Those are illustrative figures, not a quote &mdash; your actual payment depends on your lender, your margin over EIBOR, your remaining term and your profile. The point is the scale: a quarter point is a real number on a large loan over a long term, but it is not the kind of move that breaks a well-structured purchase.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"Does this affect me if I have a fixed-rate mortgage?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"Not during your fixed period. If you are on a fixed rate, your repayments stay the same until that period ends, regardless of what the Central Bank does in the meantime. What matters is the date your fixed term expires, because that is when your loan reverts to a variable rate and picks up whatever the rate environment looks like then. Most Dubai mortgages are fixed for an introductory period of one to five years and then revert to EIBOR plus a bank margin. If you do not know your expiry date, it is on your offer letter, and it is worth diarising.\"\n   }\n  },\n  {\n   \"@type\": \"Question\",\n   \"name\": \"What is EIBOR and why does it matter more than the base rate?\",\n   \"acceptedAnswer\": {\n    \"@type\": \"Answer\",\n    \"text\": \"EIBOR is the Emirates Interbank Offered Rate &mdash; the rate at which UAE banks lend to one another. It is the benchmark most UAE variable mortgages are actually priced against, usually quoted as EIBOR plus a bank margin. The CBUAE Base Rate sets the floor for that interbank market, so a change in the Base Rate feeds through to EIBOR rather than applying to your loan directly. Three-month EIBOR stood at 4.21% on 17 September 2026, up from 4.13% the previous day. 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If you are still searching rather than committed, the more useful step is a mortgage pre-approval: some UAE lenders will hold an approved rate for up to 90 days, which protects your borrowing cost while you look without locking you into a long fixed term.\"\n   }\n  }\n ]\n}<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>The CBUAE raised its base rate to 3.90% on 17 September 2026, following the US Fed&#8217;s first hike since 2023. What it adds to a Dubai mortgage payment, who is actually affected, and what to do this week.<\/p>","protected":false},"author":12,"featured_media":39837,"comment_status":"open","ping_status":"0","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[5],"tags":[],"class_list":["post-39835","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>UAE Interest Rate Rise: Dubai Mortgage Impact | TruHauz<\/title>\n<meta name=\"description\" content=\"The CBUAE raised its base rate to 3.90% on 17 Sept 2026. 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