Home Loan in Dubai
Home loan interest rates in Dubai from 3.75% fixed — from the bank pricing file received 21 September 2026, compared commission-free.
Home loan rates in Dubai (verified)
Fixed rates for salary-transfer applicants, taken from official bank circulars we receive as an active brokerage — every rate dated and sourced on our full bank-by-bank rate tracker. Non-salary-transfer pricing is typically 0.2–0.4% higher.
Home loan vs mortgage — is there a difference in Dubai?
No — in the UAE a home loan, house loan, home mortgage and mortgage loan are the same product: bank financing secured against the property, registered with the Dubai Land Department. Banks market it under different names (conventional banks say "home loan", Islamic banks say "home finance"), but the regulation, fees and process are identical. Whatever you call it, the numbers on this page apply.
How home loan interest rates in Dubai work
Almost every home loan in Dubai starts with a fixed rate for 1–5 years (currently 3.75–4.6% depending on bank and profile), then reverts to a variable rate priced as a margin over EIBOR — typically 1.5–2.5% + 3-month EIBOR. With 3-month EIBOR at 4.00% (CBUAE fixing, 3 September 2026), that reversion lands around 5.5–6.5% — which is why the fixed period you choose, and what happens after it, matter more than the teaser rate.
Islamic home finance (Ijara / Murabaha) from banks like DIB, ADIB, Sharjah Islamic and Emirates Islamic prices competitively with conventional loans — the lowest advertised rate on our panel (3.75%, Sharjah Islamic Bank) is an Islamic product.
How much can you borrow?
UAE Central Bank caps apply across Dubai: expats can finance up to 80% of a first home valued at AED 5M or under (75% above that), UAE nationals up to 85%, and second/investment properties are capped lower. Your total monthly debt repayments can't exceed 50% of income (the DBR cap), and most banks want a minimum salary around AED 10–15K. Non-residents can also get Dubai home loans at lower LTVs — see our non-resident mortgage guide.
Two free tools do the math for your case: the eligibility calculator (how much you can borrow) and the payment calculator (what it costs per month).
What a home loan in Dubai really costs
Beyond the down payment, budget for: DLD transfer fee 4% of the property value, mortgage registration 0.25% of the loan + AED 290, trustee / transfer centre fee AED 4,515 (incl. VAT), title deed issuance AED 580, and a bank valuation of AED 2,625–3,150. On a AED 1.5M purchase that's roughly AED 70–75K in one-time costs — the full breakdown is in our cost of buying property in Dubai guide.
All bank rates, dated & sourced → · Get pre-approved first → · Documents you'll need →