The Central Bank of the UAE (CBUAE) sets strict Loan-to-Value (LTV) ratios to govern home loans across all commercial and Islamic banks. Your required deposit depends directly on your residency status, nationality, and whether the property purchase price is under or over AED 5 Million.
CBUAE Loan-to-Value (LTV) Rules Breakdown
Resident Expatriates
- First Property (< AED 5M): Minimum 20% deposit (80% maximum LTV).
- First Property (> AED 5M): Minimum 30% deposit (70% maximum LTV).
- Second / Investment Property: Minimum 40% deposit (60% maximum LTV).
UAE Nationals
- First Property (< AED 5M): Minimum 15% deposit (85% maximum LTV).
- First Property (> AED 5M): Minimum 25% deposit (75% maximum LTV).
- Second / Investment Property: Minimum 35% deposit (65% maximum LTV).
Down Payments for Non-Resident Overseas Buyers
If you do not hold a valid UAE residency visa, international banks in Dubai typically require a 30% to 50% cash deposit (maximum 50% to 70% LTV). Non-residents must also provide international credit bureau reports and overseas tax returns.
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