Mortgages in the UAE: up to 80% for a foreigner’s first home, 60% for investment property, central bank rate 3.9%
Under Central Bank rules (Circular 31/2013), an expatriate can borrow up to 80% of the value of a first home under AED 5 million and up to 70% above that, up to 60% for a second or investment property and up to 50% for off-plan property; the term is up to 25 years and payments may not exceed 50% of income. The central bank base rate has been 3.9% since September 17, 2026.
What this changes in the calculation
Own funds for an investment apartment must be at least 40% of the price.
- Source
- centralbank.ae
- Status
- verified
- Published