How much deposit do I need to buy in Dubai?

Banks in Dubai generally lend up to 80% of the price to UAE nationals and 75% to expatriates, so the deposit starts at 20% or 25%. Your own offer depends on the lender, the property and your income.

What does the DLD transfer fee cost?

The Dubai Land Department charges 4% of the purchase price to transfer the title, paid on the day of transfer. It is separate from your deposit and is not something a mortgage covers.

What else do I pay on the day?

A 2% agency fee, plus your bank's own arrangement and valuation fees. Those last two vary by lender, so ask for them in writing before you commit.

Is the monthly payment fixed?

Only if your rate is. A fixed-rate period in Dubai is usually one to five years, after which the loan moves to a variable rate and the payment changes with it. The figure above assumes the rate you set runs for the whole term.

Loan Mortgage Calculator

Set the price, the deposit, the term and the rate. You get the monthly payment, what the loan costs over its life, and the cash you need on the day.

Property price1,250,000

Deposit25% · 312,500

Term25 years

Interest rate3.99%

Before you borrow

How much deposit do I need to buy in Dubai?: Banks in Dubai generally lend up to 80% of the price to UAE nationals and 75% to expatriates, so the deposit starts at 20% or 25%. Your own offer depends on the lender, the property and your income.
What does the DLD transfer fee cost?: The Dubai Land Department charges 4% of the purchase price to transfer the title, paid on the day of transfer. It is separate from your deposit and is not something a mortgage covers.
What else do I pay on the day?: A 2% agency fee, plus your bank's own arrangement and valuation fees. Those last two vary by lender, so ask for them in writing before you commit.
Is the monthly payment fixed?: Only if your rate is. A fixed-rate period in Dubai is usually one to five years, after which the loan moves to a variable rate and the payment changes with it. The figure above assumes the rate you set runs for the whole term.

These figures are an estimate, not an offer. What a bank will actually lend depends on your income, your other commitments and the property itself. Our mortgage team can put the real numbers in front of you.