What is 再融资?
以新贷款替换现有按揭的过程，目的通常包括获取更低利率、延长还款期或提取积累的房屋净值。在迪拜进行再融资通常须重新进行房产评估，并缴纳新按揭的DLD登记费（贷款额的0.25%）。
Description
Refinancing means paying off an existing mortgage and replacing it with a new one. Borrowers refinance for several reasons: securing a lower interest rate, switching from variable to fixed rate (or vice versa), extending or shortening the loan term, accessing built-up equity (cash-out refinance), or moving to a lender with better service.
Refinancing in the UAE involves several costs that must be weighed against the savings:
Early settlement fee: Up to 1% of outstanding balance or AED 10,000 (whichever is lower, per Central Bank rules)
DLD mortgage registration: 0.25% of new loan amount
Property valuation: AED 2,500 to 3,500
Processing fee: 1% of new loan amount (varies by bank)
For a AED 2 million refinance, total costs may reach AED 50,000 to 70,000. The break-even point depends on the rate differential, a 0.5% rate reduction saves approximately AED 10,000 per year, so break-even would take 5 to 7 years.
How to interpret
Refinancing is worth pursuing when the interest savings over your remaining holding period exceed the total cost of the transaction. Run the numbers before deciding: add up the early settlement fee, DLD mortgage registration, valuation, and processing fees, then divide by your annual interest saving. If the break-even point falls well within your planned holding period, refinancing makes financial sense.
Timing matters. Refinancing just before your fixed rate expires avoids the early settlement fee, since most UAE banks waive it at the end of the fixed period. Monitor EIBOR trends and your bank's reversion rate 12 months before expiry so you can negotiate or switch in advance.
迪拜市场背景
UAE refinancing activity increases when EIBOR drops or when borrowers reach the end of their fixed-rate period and face a variable-rate reset. The Central Bank's cap on early settlement fees (1% of outstanding or AED 10,000) has made refinancing more accessible than in previous years.
Frequently asked questions
The process of replacing an existing mortgage with a new loan, typically to secure a lower interest rate, change loan terms, access equity, or switch lenders.
Refinancing means paying off an existing mortgage and replacing it with a new one. Borrowers refinance for several reasons: securing a lower interest rate, switching from variable to fixed rate (or vice versa), extending or shortening the loan term, accessing built-up equity (cash-out refinance), or moving to a lender with better service.
Refinancing is worth pursuing when the interest savings over your remaining holding period exceed the total cost of the transaction. Run the numbers before deciding: add up the early settlement fee, DLD mortgage registration, valuation, and processing fees, then divide by your annual interest saving.
UAE refinancing activity increases when EIBOR drops or when borrowers reach the end of their fixed-rate period and face a variable-rate reset. The Central Bank's cap on early settlement fees (1% of outstanding or AED 10,000) has made refinancing more accessible than in previous years.
Oliva feeds Refinancing into a proprietary 6-dimension score that rates eparticularly Dubai project on Financial Value, Market Dynamics, Location, Developer Trust, Risk, Macro Context, and Liquidity. This keeps comparisons consistent across hundreds of listings.
Refinancing in the UAE involves several costs that must be weighed against the savings: Early settlement fee: Up to 1% of outstanding balance or AED 10,000 (whichever is lower, per Central Bank rules) DLD mortgage registration: 0.25% of new loan amount Property valuation: AED 2,500 to 3,500 Processing fee: 1% of new loan amount (varies by bank) For a AED 2 million refinance, total costs may reach AED 50,000 to 70,000. The break-even point depends on the rate differential, a 0.5% rate reduction saves approximately AED 10,000 per year, so break-even would take 5 to 7 years.
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This content is for educational purposes only and does not constitute investment, financial, legal, or tax advice. Yields, returns, and market data referenced are historical or estimated and are not guaranteed. Capital is at risk. Seek independent professional advice before making investment decisions. Oliva is a licensed Dubai real estate advisor (DLD Broker Card: 92025, RERA BRN: 1573501). Read our Key Risks Disclosure and Disclaimer.