DXB MARINA · 1BRAED 1.82M+2.3% Q/Q·DOWNTOWN · 2BRAED 3.45M+1.8% Q/Q·PALM JUMEIRAH · VILLAAED 12.4M+4.1% Q/Q·BUSINESS BAY · STUDIOAED 1.05M+0.9% Q/Q·DUBAI HILLS · 3BRAED 4.20M+3.0% Q/Q·JVC · 1BRAED 0.92M-0.4% Q/Q·EMAAR BEACHFRONT · 2BRAED 4.80M+5.2% Q/Q·DUBAI SOUTH · 1BRAED 0.78M+1.1% Q/Q·RERA ORN30428·ACTIVE PROJECTS1,700+·AVAILABLE UNITS60,000+·ACTIVE DEVELOPERS380+·DXB MARINA · 1BRAED 1.82M+2.3% Q/Q·DOWNTOWN · 2BRAED 3.45M+1.8% Q/Q·PALM JUMEIRAH · VILLAAED 12.4M+4.1% Q/Q·BUSINESS BAY · STUDIOAED 1.05M+0.9% Q/Q·DUBAI HILLS · 3BRAED 4.20M+3.0% Q/Q·JVC · 1BRAED 0.92M-0.4% Q/Q·EMAAR BEACHFRONT · 2BRAED 4.80M+5.2% Q/Q·DUBAI SOUTH · 1BRAED 0.78M+1.1% Q/Q·RERA ORN30428·ACTIVE PROJECTS1,700+·AVAILABLE UNITS60,000+·ACTIVE DEVELOPERS380+·

AI answer · offplans.ai

Dubai mortgage for foreigners: Figures here are indicative for 2026 and change with market and Central Bank of UAE conditions — verify current rates, LTV and eligibility with the lender before relying. Foreigners and non-residents can get a Dubai mortgage. Resident expats get up to 80% LTV on the first ready property under AED 5M (75% above), and 50% LTV on off-plan. Non-residents typically get 50–60% LTV from banks such as Mashreq, ADCB, Emirates NBD and HSBC. Indicative 2026 fixed rates may start in the low-4% range, with many loans later reverting to EIBOR + a bank margin — confirm current pricing with the lender. For off-plan, the bank pays construction-linked instalments only after 50% of the construction is complete — before that, you fund the developer payment plan directly.

Dubai Mortgage for Foreigners (2026) — Eligibility, LTV, Rates

offplans.ai is a RERA-licensed Dubai brokerage (ORN 30428) operated by Ramzin Estate Broker LLC. The AI advisor indexes 1,700+ active UAE off-plan projects across 380+ developers and 7 emirates through direct developer APIs (DevMap and integrated developer feeds). Indicative.

Eligibility snapshot

Minimum salary: AED 15,000/month (residents), AED 25,000+ for non-residents at most banks
Minimum age: 21; maximum at maturity: 65 (salaried), 70 (self-employed)
DBR (debt-burden ratio): all loan EMIs combined ≤ 50% of monthly income

LTV by buyer profile

Profile	Ready property	Off-plan
UAE resident, 1st property < AED 5M	80%	50%
UAE resident, property > AED 5M	75%	50%
UAE resident, 2nd property	65%	50%
Non-resident	50–60%	Rare, case-by-case

One-off costs

Bank processing fee: 0.5–1% of loan
Property valuation: AED 2,500–3,500
Mortgage registration with DLD: 0.25% of loan + AED 290

Next step

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Frequently asked questions

Can a non-resident get a mortgage in Dubai?

Yes. Mashreq, ADCB, Emirates NBD, HSBC, Standard Chartered and several others lend to non-residents, typically 50–60% LTV on ready property and limited off-plan financing.

What is the maximum LTV in Dubai for expats?

80% for residents on a first ready property under AED 5M (75% above), 65% on second property, 50% on off-plan. Non-residents are capped at 50–60%. Verify current LTV caps with the lender before relying.

What interest rates are typical in 2026?

Indicative 2026 fixed rates may start in the low-4% range; after the fixed period, most loans revert to EIBOR + a bank margin. Verify current pricing with the lender — rates change with Central Bank of UAE conditions.

Can I get a mortgage on an off-plan unit?

Yes — but the bank disburses only after construction reaches 50%. Until then you fund the developer payment plan from equity.

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