MORTGAGE · UAE
How much house can you actually afford in the UAE?
Bayut and Property Finder show a generic monthly payment. Propora applies the actual UAE Central Bank rules — LTV caps by residency and property type, the 50% DSR ceiling, the 7× salary multiplier, and the 7% all-in fee stack — so the number you see is the number a bank will say yes to.
Not bank advice — model uses 2026 market-norm assumptions.
What can I afford?
UAE Central Bank rules35,000 AED/mo
2,000 AED/mo
Car loans, credit-card minimums, other EMIs.
600,000 AED
Residency
Property #
Type
4.5 %
25 years
You can afford up to
AED 2.2M
80% LTV · loan AED 1.8M + AED 444.4K down
Max loan (binding)
AED 2.8M
Via DSR
By DSR rule (50% net)
AED 2.8M
By 7× salary
AED 2.9M
Est. fees (DLD + agency)
AED 155.6K
~7% of price
UAE banks apply the lower of the two rules: 50% Debt-Service Ratio (DSR) and 7× annual net income. Your binding rule is DSR. Fees use Propora's True-cost model.
See homes under AED 2.2MMortgage calculator
UAE rules · 20262,500,000 AED
Residency
Property #
Type
20 %
4.5 %
25 years
First property under AED 5M — residents qualify for 80%.
Monthly payment
AED 11,117/mo
Loan AED 2M · 20% down · 25y
Total interest
AED 1.3M
Total cost (loan + interest)
AED 3.3M
LTV cap applied
80%
Principal vs. interest, year by year
Principal Interest
Year 1 Interest share falls with each yearYear 25
The UAE rules behind these numbers
LTV (loan-to-value) caps
- Resident, 1st property <AED 5M80%
- Resident, 1st property ≥AED 5M70%
- Resident, 2nd property65%
- Non-resident, 1st property <AED 5M75%
- Non-resident, 1st property ≥AED 5M60%
- Non-resident, 2nd property60%
- Off-plan (any)50%
Income rules
- DSR — debt service ÷ net income≤ 50%
- Salary multiplier — total loan≤ 7× annual
- Max tenure — resident25 yr
- Max tenure — non-resident20 yr
- Retirement age cap — resident70
- Retirement age cap — non-resident65
- All-in fees (DLD + agency + bank)~7% of price
Sources: UAE Central Bank Mortgage Regulations 2013 (updated 2024) and standard market practice across Mashreq, Emirates NBD, ADIB, HSBC ME and FAB.
Next step
Compare actual lender rates →
The calculator above tells you what you can afford. The lender marketplace tells you who'll lend it — six UAE banks compared on rate, LTV, tenure and minimum loan, with one-click quote requests direct to the bank.
UAE mortgage FAQs
- How much deposit do I need to buy property in the UAE? ›
- UAE Central Bank rules set the minimum down payment by residency and price. Residents need 20% down on a first property under AED 5 million (25% at AED 5M and above). Non-residents need at least 25%. Off-plan purchases often require more, following the developer's payment plan.
- Can non-residents get a mortgage in the UAE? ›
- Yes. Several UAE banks lend to non-residents, typically up to 75% loan-to-value (25% down payment), on selected freehold properties. Rates are usually slightly higher than for residents and the list of eligible nationalities and buildings varies by bank.
- How much can I borrow for a mortgage in the UAE? ›
- UAE banks cap the total loan at roughly 7× your annual income, and all your monthly debt repayments (the debt-service ratio) must stay at or below 50% of your net monthly income. Whichever limit is lower sets your maximum. Propora's calculator applies all three rules at once.
- What is the maximum mortgage term in the UAE? ›
- The maximum mortgage tenure is 25 years, and the loan must be fully repaid by age 65 for salaried borrowers (70 for self-employed). A shorter term raises the monthly payment but lowers total interest.
- Is Islamic (Sharia-compliant) home finance available in the UAE? ›
- Yes. Most UAE banks offer Islamic home finance (Ijara or Murabaha structures) alongside conventional mortgages. Instead of charging interest, the bank shares ownership or resells the property at a profit rate. Propora shows conventional and Islamic options side by side.