Question 1

How much can I borrow for a property in Dubai?

Accepted Answer

Under UAE Central Bank rules, your total monthly debt obligations including the new mortgage cannot exceed 50% of your gross monthly income — this is the Debt Burden Ratio (DBR). For a monthly income of AED 30,000, the maximum you can commit to all debts combined is AED 15,000/month, supporting a loan of around AED 2.2M at 4.5% over 25 years.

Question 2

What is the minimum down payment for expats buying in Dubai?

Accepted Answer

Expats must put down at least 20% on properties under AED 5M, and 30% on properties above AED 5M. UAE nationals get 15% down for under AED 5M and 25% above. These are UAE Central Bank minimums — individual banks may require more.

Question 3

What is the 50% DBR rule in the UAE?

Accepted Answer

The UAE Central Bank mandates that all monthly debt repayments — existing car loans, credit cards, personal loans, and your new mortgage — cannot exceed 50% of gross monthly income. If your existing obligations already consume 40% of income, you can only commit another 10% to a new mortgage.

Question 4

Can a foreigner get a mortgage in Dubai?

Accepted Answer

Yes. Most UAE banks offer mortgages to both residents and non-residents. Residents typically get up to 80% LTV on properties under AED 5M. Non-resident lending is available but often capped at 50–70% LTV. Pre-approval is recommended before starting your property search.

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