Distress sellers value certainty and speed. A cash buyer — or one with a mortgage pre-approval already in hand — will often secure the better price.
What banks typically lend
Under UAE Central Bank rules, expatriate buyers can generally borrow up to 80% of the value of a first home up to AED 5M, with lower limits above that and for second homes. Off-plan property is usually financed at a much lower ratio, if at all, until it nears completion.
Plan the cash you'll need
- Your down payment or the amount owed to the seller
- Transfer and registration fees
- Mortgage registration and bank processing fees
- The next payment-plan instalments for off-plan units
Use the mortgage calculator on any deal page for a quick estimate, then confirm terms with your lender.
