💰 Total upfront costs (Dubai)
| Year | Opening Balance | Annual Payment | Principal Paid | Interest Paid | Closing Balance |
|---|
Looking to buy property in Dubai?
Our team can help connect you with mortgage advisors, property agents, and legal experts. Get a free WhatsApp consultation.
Got it! We'll be in touch on WhatsApp within a few hours.
Minimum down payment: UAE Central Bank regulations require expats to put down at least 20% of the property price. UAE nationals can borrow up to 85% (15% down). For properties over AED 5 million, the minimum down payment is 30% for all buyers.
DLD Transfer Fee: Dubai Land Department charges 4% of the purchase price as a transfer fee, paid at the time of purchase. This is one of the highest property transaction costs in the region.
Mortgage terms: UAE banks typically offer terms up to 25 years for expats and 30 years for UAE nationals, subject to a maximum age of 65 at maturity for expats (70 for UAE nationals).
Variable vs fixed: Most UAE mortgages are variable rate, typically linked to EIBOR (Emirates Interbank Offered Rate). Fixed-rate periods of 1–5 years are available, after which the rate reverts to variable.