How much deposit do I need for a mortgage in Dubai?

For an expatriate buying a first home worth up to AED 5 million, Central Bank of the UAE rules allow a loan of up to 80% of the value, so the deposit is at least 20%. Above AED 5 million, the limit is 70%, so at least 30%. Banks can ask for more, especially from non-residents.

What is the longest mortgage term in the UAE?

25 years, under the Central Bank’s mortgage regulations.

How much can I borrow?

Banks keep all your monthly debt repayments, including the new mortgage, within 50% of your income, and lend expatriates at most 7 times their annual income. Add your income in the calculator to see where you stand.

What does “cash needed on the day” include?

Your deposit plus the Dubai Land Department and trustee office fees, and the mortgage registration fee if you borrow. It doesn’t include the agency fee or your bank’s own fees.

Are the results exact?

No — they’re estimates. Your bank’s offer depends on your income, residency, the property and the rate type, so use the calculator to plan and confirm the figures with your lender.

Tools

Mortgage calculator

Move the sliders or type your numbers. You’ll see the monthly payment, what the loan costs over its whole term and the cash you’ll need on transfer day — with Dubai Land Department fees included.

Property price

AED

AED 250KAED 20M

Deposit

AED 375,000

Term

years

25 years is the longest term UAE rules allow.

Interest rate

Quick picks, not quotes — use the rate your bank offers you.

Monthly payment

AED 6,253

≈ ₹1.64 lakh a month

at ₹per AED (Oct 2026 — change it to today’s rate)

Loan amount: AED 1,125,000
Interest over 25 years: AED 750,935
Total repaid: AED 1,875,935

Cash needed on the day

AED 442,783

≈ ₹1.16 crore

What’s included

Deposit (25%): AED 375,000
DLD registration fee (4%): AED 60,000
Trustee office fee, incl. VAT: AED 4,200
Title deed and map: AED 500
Knowledge and innovation fees: AED 20
Mortgage registration (0.25% + AED 250): AED 3,063

Agency fee and your bank’s own fees aren’t included.

Good: Within the Central Bank’s limit for an expatriate’s first home (a deposit of at least 20%). Banks may ask for more, especially from non-residents.

Talk these numbers through Send an enquiry

Estimates only. Your bank’s offer depends on your income, residency, the property and the rate type.

What “cash needed on the day” covers

Your deposit
Dubai Land Department registration fee — 4% of the price
Trustee office fee — AED 4,000 + VAT (AED 2,000 + VAT below AED 500,000)
Title deed (AED 250), map (AED 250) and knowledge and innovation fees (AED 20)
Mortgage registration — 0.25% of the loan + AED 250

Not included: agency fee, your bank’s valuation and arrangement fees, service charges, moving and furnishing. Our guide to buying costs explains each fee.

The Central Bank’s limits

First home up to AED 5 million: Loan up to 80% of the value
First home above AED 5 million: Loan up to 70% of the value
Longest term: 25 years
All debt repayments: Within 50% of income
Largest loan for an expatriate: 7 × annual income

Limits for expatriates buying a home to live in. Banks may lend less, and other limits apply to UAE nationals, second homes and some property types.

Questions buyers ask

The monthly payment uses the standard repayment formula: loan × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1), where r is the yearly rate divided by 12 and n is the number of months.

Limits and fees checked against these official sources on 19 October 2026:

How much deposit do I need for a mortgage in Dubai?: For an expatriate buying a first home worth up to AED 5 million, Central Bank of the UAE rules allow a loan of up to 80% of the value, so the deposit is at least 20%. Above AED 5 million, the limit is 70%, so at least 30%. Banks can ask for more, especially from non-residents.
What is the longest mortgage term in the UAE?: 25 years, under the Central Bank’s mortgage regulations.
How much can I borrow?: Banks keep all your monthly debt repayments, including the new mortgage, within 50% of your income, and lend expatriates at most 7 times their annual income. Add your income in the calculator to see where you stand.
What does “cash needed on the day” include?: Your deposit plus the Dubai Land Department and trustee office fees, and the mortgage registration fee if you borrow. It doesn’t include the agency fee or your bank’s own fees.
Are the results exact?: No — they’re estimates. Your bank’s offer depends on your income, residency, the property and the rate type, so use the calculator to plan and confirm the figures with your lender.

Contact

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