Introduction
Buying a property in the UAE is exciting, but navigating mortgage rules can feel overwhelming: especially with new updates in 2025. Whether you’re a first-time buyer, an expat, or planning an investment, understanding the latest regulations will help you save time and avoid costly mistakes.
In this blog, we break down the key UAE mortgage rules for 2025 in simple terms.
What Changed in 2025?
- Higher upfront costs: Buyers now need to pay certain fees (like DLD registration and brokerage) upfront rather than financing them.
- Loan-to-Value (LTV) ratios: For expats, max LTV is 80% on properties under AED 5M. For UAE nationals, it’s 85%.
- Debt Burden Ratio (DBR): Monthly loan repayments cannot exceed 50% of your net income.
- Salary requirements: Most banks now require a minimum monthly salary of AED 10,000 for mortgage eligibility.
Down Payment Rules
- Expats: Minimum 20% of property value as down payment (if property < AED 5M).
- UAE Nationals: Minimum 15%.
- Over AED 5M properties: Even higher down payment (30:35%).
💡 Tip: Always budget an extra 7:8% for transfer fees, valuation charges, and other admin costs.
Fixed vs Variable Rates in 2025
Interest rates remain linked to EIBOR (Emirates Interbank Offered Rate). With global rates stabilizing, fixed-rate mortgages are popular for buyers seeking certainty, while variable rates can offer savings if markets soften.
Documents You’ll Need
- Valid passport & Emirates ID
- Salary certificate / proof of income
- Bank statements (last 6 months)
- Property documents (sales agreement, title deed if resale)
Final Thoughts
The 2025 mortgage rules are designed to make the market more stable and transparent. By preparing early: understanding down payment requirements, eligibility, and loan limits: you’ll be ready to secure your dream property with confidence.
👉 Looking for tailored advice? Our team at SAPRO Mortgages specializes in UAE mortgages, guiding you from eligibility to approval with ease. Reach out today to get started.
