Dubai · Loan-to-Value Matrix
Financing by Nationality — Dubai 2026
🇦🇪 UAE National
Up to 85% LTV
Min Down: 15%
Highest Access
Up to 75% LTV
Min Down: 25%
Up to 65% LTV
Min Down: 35%
🏳️ GCC National
Up to 80% LTV
Min Down: 20%
Full Access
Up to 70% LTV
Min Down: 30%
Up to 60% LTV
Min Down: 40%
🌙 Arab Expat (Resident)
Up to 80% LTV
Min Down: 20%
Resident Visa Req.
Up to 70% LTV
Min Down: 30%
Up to 60% LTV
Min Down: 40%
🌍 Non-Arab Expat (Resident)
Up to 80% LTV
Min Down: 20%
Resident Visa Req.
Up to 70% LTV
Min Down: 30%
Up to 60% LTV
Min Down: 40%
🌐 Non-Resident (Foreign)
Up to 60–65% LTV
Min Down: 35–40%
Limited Banks
Up to 55–60% LTV
Min Down: 40–45%
Up to 50% LTV
Min Down: 50%
🏗 Off-Plan (All Nationalities)
Max 50% LTV
CBUAE Regulation
Regardless of nationality, value, or purpose
Min 50% Down
GCC Nationals — Same as Expatriates under CBUAE Rules
Bahraini, Kuwaiti, Omani, Qatari, and Saudi nationals are classified alongside expatriates per CBUAE mortgage regulations. They receive the same LTV ratios as non-UAE residents on paper, but most major UAE banks apply resident-equivalent terms when a valid GCC ID and UAE address is provided. Maximum age at maturity: 65 (salaried) or 70 (self-employed).
Income & Debt Burden Requirements — 2026
Minimum monthly income: AED 15,000–25,000 depending on bank. DBR (Debt Burden Ratio) capped at 50% of net monthly income. Loan amount typically limited to 7× annual gross salary. Employment minimum: 6 months (salaried) or 2 years (self-employed). Credit score minimum: 650–700 depending on lender. Six months of UAE bank statements required from Q1 2026 KYC rules.
Eligible Lenders
Approved Banks — Dubai Mortgages 2026
Emirates NBD
All Nationals
Non-Residents
First Abu Dhabi Bank
All Nationals
Non-Residents
Abu Dhabi Islamic Bank
All Nationals
Islamic Finance
Mashreq Bank
All Nationals
Non-Residents
HSBC UAE
All Nationals
Non-Residents
Standard Chartered
Non-Residents
Residents
Dubai Islamic Bank
All Nationals
Shari'ah
Emirates Islamic Bank
Residents
Shari'ah
Ajman Bank
Residents
Islamic
Commercial Bank of Dubai
All Nationals
Residents
Citibank UAE
Non-Residents
Residents
RAK Bank
Residents
UAE & GCC
Sharjah · Financing Overview
Sharjah Real Estate Financing 2026
Important: Sharjah Ownership Restrictions
Sharjah applies stricter foreign ownership rules than Dubai. Non-GCC nationals can purchase property only in designated investment zones under Sharjah Law No. 2 of 1960 (amended). Leasehold is available to all nationalities, but full freehold ownership remains limited. Non-Arab expats and foreign nationals should verify specific zone eligibility before applying for financing.
UAE Nationals
Max LTV (≤ AED 5M)85%
Max LTV (> AED 5M)75%
Investment Property65%
Max Tenor25 Years
Age at Maturity70 Years
Zone RestrictionsNone
Off-Plan LTV50%
GCC Nationals
Max LTV (≤ AED 5M)80%
Max LTV (> AED 5M)70%
Investment Property60%
Max Tenor25 Years
Age at Maturity65–70 Years
Zone RestrictionsMinimal
Off-Plan LTV50%
Arab Expats (Resident)
Max LTV (≤ AED 5M)80%
Max LTV (> AED 5M)70%
Investment Property60%
Max Tenor25 Years
Age at Maturity65 Years
Zone RestrictionsInvestment Zones Only
Off-Plan LTV50%
Non-Arab Expats / Foreign
Max LTV (≤ AED 5M)60–65%
Max LTV (> AED 5M)55%
Investment Property50%
Max Tenor25 Years
Age at Maturity65 Years
Zone RestrictionsDesignated Zones Only
Off-Plan LTV50%
Sharjah Investment Zones
Designated Areas — Sharjah 2026
Aljada
Maryam Island
Tilal City
Sharjah Waterfront City
Al Zahia
Masaar
Al Majaz
Corniche Al Buhaira
Open Freehold Zone
Partial / Leasehold Available
GCC Nationals Only
Dubai · Designated Freehold Zones
Eligible Areas for Foreign Ownership 2026
Freehold Ownership — Open to All Nationalities
Foreign nationals and expats may purchase property with full freehold title in Dubai's 40+ designated zones as defined by DLD Regulation No. 3 of 2006. Outside these zones, ownership is restricted to UAE and GCC nationals. 2026 update: DLD now employs AI-driven valuation tools for property registration transparency.
Central & Prime Zones — All Nationalities
Downtown Dubai
Business Bay
Dubai Marina
Palm Jumeirah
DIFC
Jumeirah Lakes Towers
Emirates Hills
The Springs
The Meadows
The Greens
Arabian Ranches
Jumeirah Village Circle
Emerging & Growth Zones
Dubai Hills Estate
Dubai Creek Harbour
EMAAR Beachfront
Sobha Hartland
Expo City Dubai
Dubai Islands
Palm Jebel Ali
The Oasis by Emaar
DAMAC Islands
Dubai South
Tilal Al Ghaf
Jumeirah Village Triangle
Established Communities
Jumeirah Beach Residence
Discovery Gardens
International City
Motor City
Silicon Oasis
Culture Village (Al Jaddaf)
Dubai Sports City
Town Square
Damac Hills
Mudon
The Villa
Serena
Reem
Akoya Oxygen
Meydan
Dubailand
Restricted Zones — GCC Nationals Only
Mirdif
Al Barsha 1, 2, 3
Al Rashidiya
Al Khawaneej
Umm Suqeim
Al Quoz (residential)
Al Barsha South
Jumeirah (parts)
Freehold — Open to All
Partial Freehold / Leasehold
GCC & UAE Nationals Only
