Financing solutions
You do not need all the money.You need the right structure.
Off-plan and ready. Residential and commercial. Resident and non-resident. Financing in Dubai is not one product — it is a set of routes, and through our relationships across the country's financial institutions we place clients at the upper end of what each route allows. Every number on this page was verified from central-bank, bank or developer sources in September 2026.
Route 1 · Non-resident mortgage
The mortgage that does not require residency.
No UAE visa is needed to borrow in the UAE. Major banks finance non-residents at 50–60% of the property's value — you bring roughly half, the bank brings the rest, over terms of up to 25 years.
| Bank | Max financing | Key terms |
|---|---|---|
| Mashreq | 50% of market value | Max AED 10M · up to 25 years · min. income AED 15,000/month · Dubai & Abu Dhabi properties |
| HSBC UAE | 60% of value | Premier / Private Bank relationship required · arranged in ~14 working days |
| Emirates NBD | On application | Dedicated non-resident product · min. salary AED 15,000/month · terms set case by case |
Pricing in September 2026: variable rates around 3-month EIBOR (3.70%) plus a margin of roughly 1–2% — HSBC quoted 4.69% variable and fixed offers from 4.05%. Rates are set at disbursal and depend on the bank's assessment of your file.
Source · mashreq.com · hsbc.ae/mortgages · emiratesnbd.com — all retrieved 3 Sep 2026 · Terms subject to bank approval
Route 2 · UAE-resident mortgage
Residents borrow more. The regulator says exactly how much.
The UAE Central Bank fixes the ceilings — no bank may exceed them. For a resident expatriate they are:
First home under AED 5M
You put down one dirham in five. The bank funds the other four.
First home above AED 5M
Larger homes require three dirhams in ten as equity.
Second home or investment
Investment properties cap at 60% — regardless of value.
Off-plan is different: bank financing for unfinished property is capped at 50% for every buyer — resident or not. This is why developer payment plans, not mortgages, carry most off-plan purchases.
Further rules that shape your file: maximum term 25 years, repayments capped at 50% of income, and total financing for expatriates capped at seven years of annual income.
Source · UAE Central Bank Rulebook, Mortgage Regulations Art. 3 — retrieved 3 Sep 2026
Route 3 · Developer payment plans
The developer as your lender — often at 0% interest.
On off-plan purchases, the payment plan is the financing. You pay in installments across construction — sometimes years beyond handover — with no bank, no interest and no income file. Current plans from the developers' own official pages:
| Developer | Typical structure | What it means |
|---|---|---|
| Emaar | 80/20 · 10% down | 80% spread across construction, 20% at handover |
| DAMAC | Post-handover 40/60 & 50/50 · 1%/month plans | Up to 36 months of payments after you receive the keys |
| Sobha | 60/40 | 60% during construction, 40% on completion |
| Binghatti | 70/30 & 60/40 · 10–20% down | Standard construction-linked installments |
| Danube | 1% per month · up to 80 months | A monthly installment instead of a mortgage, 0% interest |
Our caution: a generous payment plan is not a discount — it is priced in. We compare the plan-adjusted price against ready resale before recommending any off-plan purchase.
Source · emaar.com · damacproperties.com · sobharealty.com · binghatti.com · danubeproperties.com — official pages, retrieved 3 Sep 2026 · Plans vary by project
Dubai · Financing
Three routes to the same front door — the structure decides what you keep.
The full bill
What a purchase actually costs — line by line.
On an AED 2 million purchase, expect roughly AED 90,000 of transaction costs before financing fees. Here is where it goes:
| DLD transfer fee | 4% of purchase price | AED 80,000 on an AED 2M purchase |
| Title deed issuance | AED 250 | Fixed |
| Registration trustee | ~AED 4,000 + VAT | For purchases ≥ AED 500k |
| Mortgage registration | 0.25% of loan + AED 250 | Only if you finance |
| Bank valuation | ~AED 2,625 incl. VAT | Only if you finance |
| Bank arrangement fee | typically 1% of loan | e.g. min AED 5,250 at HSBC |
Source · Dubai Land Department · bank fee schedules (HSBC, Mashreq) — retrieved 3 Sep 2026
Financing & residency
Yes — a mortgaged property
still earns the Golden Visa.
Property worth AED 2 million or more qualifies you for the 10-year renewable UAE Golden Visa. You do not need to own it outright: under Dubai Land Department rules, a mortgaged property qualifies with a no-objection letter from your bank stating what you have paid and what remains.
The DLD processes the application in 7–10 business days for fees of AED 9,884.75. We coordinate the property side of the application as part of the purchase.
Source · Dubai Land Department, Golden Visa service page — retrieved 3 Sep 2026
Why clients finance through us
The structure you are offered
depends on who asks.
Most brokers know one product: the standard mortgage at the standard rate. Our family's thirty years in this market built relationships across the country's financial institutions — and with them, access to structures a typical broker has never presented: financing for off-plan and for ready property, residential and commercial lending, equity release on existing assets, and terms at the upper end of what regulation allows.
None of it is off the shelf. We put your situation — income, residency, portfolio, objective — in front of the right institution, and structure the route around you rather than fitting you into a product.
The table above is what the market advertises. What we arrange starts there.
A note for European buyers
Your bank at home
will not finance Dubai.
German banks secure mortgages against the financed property itself — and their products stop at a handful of European markets. A Dubai purchase is not financeable through a standard German home loan.
The two working routes: a UAE non-resident mortgage at 50–60% of value, or releasing equity against property you already own at home and buying in Dubai as a cash buyer. We model both against your situation — auch auf Deutsch.
Source · BW-Bank foreign-property financing guidance — retrieved 3 Sep 2026
Take the numbers with you
Every table on this page,
in one PDF.
The Central Bank caps, the three non-resident bank offers, the developer payment plans and the full cost table on an AED 2 million purchase — eight pages, every figure with its source and retrieval date. Read it before you speak to any bank.
Free download
Dubai Property Financing Guide 2026
Three financing routes, verified September 2026 — regulator, bank and developer sources. 8 pages, PDF.
Questions we are asked first
Financing, answered.
Can non-residents get a mortgage in Dubai?
Yes. Major UAE banks lend to non-residents at 50–60% of property value: Mashreq finances up to 50% (max AED 10 million, up to 25 years), HSBC up to 60% for Premier or Private Bank clients. Minimum income requirements start around AED 15,000 per month. Verified from the banks’ official pages, September 2026.
How much can UAE residents borrow for property?
The UAE Central Bank caps mortgages for resident expatriates at 80% of value for a first home under AED 5 million, 70% above AED 5 million, and 60% for a second or investment property. Off-plan purchases are capped at 50% for every buyer category.
What does a Dubai property purchase cost on top of the price?
The Dubai Land Department transfer fee is 4% of the purchase price, plus AED 250 title deed fee and around AED 4,000 registration trustee fee. Financed purchases add a 0.25% mortgage registration fee, a valuation fee of roughly AED 2,625 and a bank arrangement fee of typically 1% of the loan.
Does a mortgaged property still qualify for the Golden Visa?
Yes. Under Dubai Land Department rules, property worth AED 2 million or more qualifies for the 10-year Golden Visa even when mortgaged — the bank issues a no-objection letter stating the amount paid and the outstanding balance.
Can I finance a Dubai property through a German bank?
Generally no. German banks secure lending against the financed property, and standard German mortgage products do not extend to UAE real estate. The working routes are a UAE non-resident mortgage at 50–60% of value, or raising equity against property you already own at home.
Next step
Bring us your budget.
Leave with a financing structure.
One conversation covering purchase price, financing route, full costs and — where relevant — Golden Visa eligibility. No obligation.
Rates and terms shown were retrieved from official sources on 3 September 2026 and are subject to change and bank approval. AXD is a real estate advisory, not a lender or financial advisor.
