Key Points
- Available for: UAE Nationals, Expat Residents, and Non-Residents
- Requirements vary: Down payment and LTV depend on bank and applicant profile
- Higher down payment: Generally means better rates and lower monthly payments
- Submit your details to receive personalised down payment options
Understanding Down Payment in UAE
Down payment is the portion of the property price you pay upfront. The remainder is financed through your mortgage. UAE Central Bank sets maximum Loan-to-Value (LTV) ratios, which determine minimum down payments.
The down payment requirement is one of the most significant upfront costs when buying property in UAE. Planning ahead and understanding your requirements based on your residency status is crucial.
Down Payment Requirements
Eligibility, LTV, interest rates, and documentation requirements vary by bank and applicant profile.
Submit your details to receive personalised home loan options.
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Down payment requirements vary by bank and applicant profile. Use our calculator to estimate based on your specific situation.
Benefits of Higher Down Payment
Lower Monthly Payments
Smaller loan means lower EMIs
Better Interest Rates
Lower LTV often qualifies for better rates
Less Total Interest
Smaller principal = less interest over time
Easier Approval
Higher equity means lower bank risk
Additional Costs Beyond Down Payment
When budgeting for property purchase, remember to account for these additional costs:
- DLD Registration Fee:4% of property value (Dubai)
- Real Estate Agent Fee:2% of property value
- Mortgage Processing:Up to 1% of loan amount
- Property Valuation:AED 2,500-3,500
- Property Insurance:Varies by property
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Related Resources
Frequently Asked Questions
What is the minimum down payment for a mortgage in UAE?
Is a higher down payment better for UAE mortgage?
Can I use gift money for my down payment in UAE?
Is down payment higher for off-plan properties?
What other costs should I budget for besides down payment?
This content is not financial advice. Please consult a licensed financial advisor before making borrowing decisions.
LeoCompare may receive referral commissions from partnered financial institutions. This does not influence the information presented.
Reviewed by the LeoCompare Editorial Team – specialists in UAE home financing content.
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