Mortgage for Non-Residents in Dubai
Yes, foreigners without a UAE visa can get a mortgage — though the terms differ from those for residents. Here's a breakdown of which banks offer it, current rates, and the 50% down payment requirement.
Foreign nationals without UAE residency can obtain a mortgage from Dubai-based banks. The key requirement is a minimum 50% down payment. Beyond that, the process follows the standard route — though it typically moves a little slower than for residents.
Resident vs. Non-Resident: Key Differences
UAE Resident
Resident- • LTV до 80% (первая квартира)
- • LTV до 65% (вторая и далее)
- • Ставки 3.75–5.5%
- • Срок кредита до 25 лет
- • Упрощённый пакет документов
Non-resident (Foreign National)
Non-resident- • LTV максимум 50%
- • Первый взнос: минимум 50%
- • Ставки 4.5–6.75%
- • Срок до 15–25 лет (банк-зависимо)
- • Полный пакет с переводами
Banks Offering Mortgages to Non-Residents
| Bank | Max. LTV | Rate |
|---|---|---|
| Emirates NBD One of the largest banks — known for being non-resident friendly | 50% | 4.75–6.25% |
| First Abu Dhabi Bank (FAB) Competitive rate, fast pre-approval | 50% | 4.5–6% |
| ADCB Flexible Terms by Property Type | 50% | 5–6.5% |
| Mashreq Digital Bank — Fast Processing | 50% | 4.99–6.25% |
| RAK Bank Lower entry threshold — ideal for Studios | 50% | 5.25–6.75% |
Rates and terms reflect H1 2026 conditions. Actual terms will vary based on the borrower's profile and property type. For precise figures, contact a bank directly or consult a mortgage broker.
Sample Calculation: AED 2,000,000 Apartment
If this property is rented out at AED 130,000/year (~AED 10,800/month), the rental income covers the monthly mortgage payment and leaves an additional AED 4,050 in positive cash flow.
FAQ
- What's the maximum loan amount a bank will offer a non-resident in Dubai?
- Under UAE Central Bank (CBUAE) regulations, non-residents can access a maximum LTV (Loan-to-Value) of 50%. In practice, this means that on a property worth AED 2M, the maximum loan amount is AED 1M — the rest must come from a down payment. By comparison, UAE residents qualify for up to 80% LTV on a first property and 60–65% LTV on subsequent purchases.
- Which banks offer mortgages to UAE non-residents?
- Emirates NBD, First Abu Dhabi Bank (FAB), ADCB, Mashreq, RAK Bank, Dubai Islamic Bank (Sharia-compliant Ijara structures). Note that not all branches within the same bank handle non-resident clients equally well — a specialist mortgage broker or the bank's dedicated international client division is strongly recommended.
- What documents does a non-resident need to apply for a mortgage?
- The standard documentation package includes: a valid foreign passport, 6 months of bank statements (translated into English), proof of income — either an employment contract or documentation confirming self-employed / shareholder status. Self-employed applicants typically need 2 years of tax returns and audited company financials where applicable. Exact requirements vary by bank.
- Can you get a mortgage in the UAE without visiting in person?
- A bank can issue a pre-approval letter remotely based on submitted documents. However, signing the mortgage agreement and registering with the DLD requires either in-person attendance or a notarized Power of Attorney (POA). For large transactions, most banks prefer the borrower to be physically present at least once.
- What's the average mortgage rate in Dubai in 2026?
- For non-residents, current rates are: fixed at 4.5–6.75% per annum (depending on the bank and fixed-rate term — 1, 3, or 5 years); variable at EIBOR + bank margin (2–2.5%). As of 2026, EIBOR sits at approximately 4.5–5%, putting variable rates in the 6.5–7.5% range. A 1–3 year fixed rate is the more attractive option if EIBOR begins to decline.
We'll match you with a property and the right bank for your mortgage
We know which banks work best with residents from specific countries. Free consultation with payment breakdown.
Tools for this topic
A shortlist built for your case
3–5 properties with an honest DLD-based yield calculation — free, no middlemen.