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Mortgage loan-to-value caps
Expatriates may borrow up to 80% of a first home under AED 5 million, 70% above, 60% for a second property, and 50% off-plan.
What the source says
"the maximum LTV for mortgages on property being purchased off plans is 50% regardless of purpose, value, or category of purchaser."
Central Bank Mortgage Regulations (Circular 31/2013 as amended), Article 3
| Status | Confirmed - The official source states this rule in the words quoted. |
|---|---|
| Instrument | Central Bank Mortgage Regulations (Circular 31/2013 as amended), Article 3 |
| Authority | Central Bank of the UAE |
| In force since | 2013 |
| Last checked | 16 October 2026 |
| Source | Central Bank of the UAE |
What to know
The regulation has categories for UAE nationals and expatriates only; lower caps quoted to non-residents are bank policy.
Read the full guide
This rule is explained in context, with the costs and steps around it, in Golden Visa on a Mortgaged Property: The 2026 Rules.
More rules on fees
- The 4% sale registration fee - Confirmed
- Registration trustee fee on a sale - Confirmed
- Title deed fee - Confirmed
- Mortgage registration fee - Confirmed
- Mortgage release fee - Confirmed
- Gift transfer between close family - Confirmed
See all 60 rules in the register.
Cite this rule
Home Guide Dubai, "Mortgage loan-to-value caps", Dubai property rules register, last checked 16 October 2026.
https://homeguidedubai.com/rules/mortgage-ltv-caps/
This link stays the same when the rule changes. If the rule changes, this page shows the new text and the date it changed.
Frequently Asked Questions
Is this still the rule today?
We last read the source on 16 October 2026. Rules in Dubai change by circular and by edits to service pages, often without notice. Check the source linked above, and ask Central Bank of the UAE in writing before a large payment.
Where does this rule come from?
Central Bank Mortgage Regulations (Circular 31/2013 as amended), Article 3, published by Central Bank of the UAE. The quote on this page is copied word for word from that source.
Sources
- Central Bank Mortgage Regulations (Circular 31/2013 as amended), Article 3 - Central Bank of the UAE - accessed 16 October 2026
Every rule above is quoted from the law, decree or official page on the date given. This is general information, not legal advice; rules change, so confirm the current position with the authority named before you act.