Dubai mortgage calculator (resident & non-resident)
Resident expats can typically borrow up to 80% (first home ≤ AED 5M); non-residents usually 50–60%, and all off-plan is capped at 50%. Enter your details for an indicative monthly payment — actual approval depends on the bank and your profile.
This is indicative, not an approval. Actual eligibility, rates, LTV and approval depend on the bank, residency, income, age, property and applicant profile. Rates shown are indicative and EIBOR-linked.
Dubai mortgages — explained
How much deposit does a non-resident need in Dubai?
Non-residents typically need 40–50% down, as banks cap non-resident LTV at around 50–60%. Resident expats can put down as little as 20% on a first home up to AED 5M.
Can non-residents get a Dubai mortgage?
Yes, from selected banks, usually on completed (ready) property and against a larger down payment. Off-plan financing is more restricted and capped at 50% LTV.
What interest rate applies?
Rates are EIBOR-linked. In 2026, residents see roughly 4–5.5% and non-residents about 5–6.5%, depending on the bank and profile. Treat any figure here as indicative.
Is an indicative calculation an approval?
No. Banks assess income, a Debt Burden Ratio (max 50% of income), age, property and documents. Always get a decision-in-principle before committing.
Precisa de financiamento para uma compra? A JRE pode coordenar pedidos de abertura de conta bancária e apresentações para hipoteca. A JRE não é um credor e as aprovações continuam sujeitas ao critério exclusivo do banco.