Mortgage & Finance
Understand mortgages and financing in the UAE.
How home loans work in the UAE: the steps from pre-approval to transfer, who is eligible and how much you can borrow under UAE Central Bank rules, the fees involved, and the difference between fixed and variable rates. Each article cites the Central Bank regulation or DLD service it relies on.
Guides and tools
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Mortgages
- Mortgage Process ExplainedThe mortgage process in the UAE has six stages: check what you can afford, get pre-approval, agree on a property, have it valued, accept the bank's final offer, then complete the transfer and register the mortgage with the land department.
- Mortgage EligibilityExpats are eligible for a mortgage in the UAE.
- Using the Mortgage CalculatorTo use the RealtyReview.ae mortgage calculator, enter the property price, your down payment, the interest rate your bank quotes and the loan term.
Costs & Fees
- Mortgage Fees & ChargesThe main mortgage fee in Dubai is the Dubai Land Department's registration fee of 0.25% of the loan amount, plus AED 250 for the title deed.
- Fixed vs Variable RatesA fixed-rate mortgage in the UAE keeps the same rate for an agreed period, usually the first few years; a variable-rate mortgage follows EIBOR, the Emirates Interbank Offered Rate, plus the bank's margin, so payments rise and fall with it.
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