Introduction
Dreaming of owning a home in Dubai? One of the biggest questions buyers face is: how much money do I actually need upfront? In 2025, the Central Bank of the UAE continues to enforce strict down payment rules that differ for expats and UAE nationals. Let’s break them down.
Minimum Down Payment Rules
- Expats: 20% of property price if under AED 5M, 30% if above.
- UAE Nationals: 15% of property price if under AED 5M, 25% if above.
- Off-plan properties: Often require higher upfront costs (up to 50% before handover).
Extra Upfront Costs
Beyond the down payment, buyers must budget for:
- Dubai Land Department fee: 4%
- Mortgage registration fee: 0.25% of loan value
- Valuation fee: AED 2,500:3,000
- Broker commission: ~2%
Quick Example
For a AED 2M apartment in Dubai:
- Expat down payment: AED 500,000
- Fees & charges: ~AED 150,000
- Total upfront cost: ~AED 650,000
Final Thoughts
Down payments may feel heavy, but they protect buyers and lenders alike. Planning ahead ensures a smooth mortgage process.
👉 Need clarity on how much you qualify for? SAPRO Mortgages can assess your finances and show you the exact down payment you’ll need: before you even apply.
