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Resident UAE buyers can borrow up to 80% loan-to-value on a primary residence under AED 5M, dropping to 70% above that. Non-residents are capped at 50% LTV. The DBR (debt burden ratio) limit is 50% of monthly income.

As of 2026 Q1, UAE 5-year fixed rates range from 3.99% (FAB) to 5.25% (smaller lenders). Variable rates link to the UAE EIBOR plus a margin, typically 1.25% to 2.5%.

It computes principal and interest only. Add the 1% mortgage registration fee at DLD, the 4% DLD transfer fee on the property, valuation fee (around AED 3,000), and processing fee (typically 0.25-1% of loan).

25 years for residents and 25 years (or until age 65) for non-residents. The maximum loan must amortise before the borrower turns 70 (UAE national) or 65 (expatriate).

Yes. FAB, ENBD, and HSBC all offer non-resident mortgages, typically at LTV up to 50% and rates 50-100bp above resident pricing. Income proof from the home country is required.

A Dubai property loan calculator takes four inputs — principal, interest rate, term, and LTV ratio — and returns your monthly payment plus an amortization schedule. The amortization schedule shows how each payment splits between interest and principal over time. A home loan in Dubai is structured like a UK home loan but with CBUAE-specific LTV caps and EIBOR-linked variable rates. Specific rate ranges are shown in the section above; verify with your lender.

A Dubai property loan typically uses 25-year amortization, similar to UK and Australian home loans. The LTV ratio is capped by CBUAE rules (see rate section). EIBOR-linked variable rates are the default; fixed-rate options exist for 1-5 year terms with most major banks. Use a loan calculator to compare scenarios before committing.