How it works: UAE banks cap total debt at ~50% of monthly income (debt-burden ratio). Eligible EMI = 50% × income − existing EMIs; the loan is the present value of that EMI stream.
FAQs
What down payment do I need in Dubai?
Typically 20% for expats (15% for UAE nationals) on properties below AED 5M.
Does nationality affect eligibility?
Loan-to-value limits and rates can differ for residents vs non-residents.
