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Mortgage by Area

Pick your community — deposit rules, worked numbers and verified rates for every major Dubai and Abu Dhabi address.

Financing rules are UAE-wide, but every community buys a little differently — ticket sizes, off-plan pipelines and which banks like which buildings. Pick your area below for deposit rules and worked numbers, or use the calculator with any price.

UAE-wide · verified pricing · July 2026
from 3.75% p.a.
Lowest advertised fixed rate in our verified circular set — we confirm your personal rate across 15+ banks, free.

Lowest advertised verified rate — we confirm your personal rate free.

Estimated monthly payment
AED 9,490/mo
Loan AED 1,600,000

Dubai freehold communities

Dubai Marina
apartments & penthousesDowntown Dubai
apartmentsPalm Jumeirah
villas, townhouses & apartmentsJumeirah Village Circle (JVC)
apartments & townhousesBusiness Bay
apartmentsDubai Hills Estate
villas, townhouses & apartmentsArabian Ranches
villasJumeirah Lake Towers (JLT)
apartmentsJumeirah Beach Residence (JBR)
apartmentsDubai Creek Harbour
apartmentsEmirates Hills
villasThe Springs
villas & townhousesThe Meadows
villasDAMAC Hills
villas, townhouses & apartmentsTown Square
townhouses & apartmentsInternational City
apartmentsDiscovery Gardens
apartmentsDubai Sports City
apartments & villasMotor City
apartments & townhousesAl Furjan
townhouses & apartmentsJumeirah Golf Estates
villasThe Greens
apartmentsDubai Silicon Oasis
apartments & villasMohammed Bin Rashid City
apartments & villasDubai South
apartments & townhousesArjan
apartmentsMudon
villas & townhousesTilal Al Ghaf
villas & townhousesBluewaters Island
apartmentsCity Walk
apartments

Abu Dhabi investment zones

Yas Island
apartments, townhouses & villasSaadiyat Island
villas & apartmentsAl Reem Island
apartmentsAl Raha Beach
apartmentsAl Ghadeer
townhouses & apartmentsAl Reef
villas & apartmentsMasdar City
apartments

The rules that apply everywhere

  • Expat first home ≤ AED 5M: 20% down (80% LTV); above AED 5M: 30% down. UAE nationals put down 5% less; second properties need 40%.
  • Debt burden ratio: all instalments within 50% of income. Max term: 25 years.
  • Rates: advertised fixed rates from 3.75% (verified from bank circulars, July 2026) — see all verified rates.

Area FAQs

Can foreigners buy property anywhere in Dubai?
Foreign nationals can buy in Dubai’s designated freehold zones — which include every community listed above. Elsewhere, ownership is restricted to UAE/GCC nationals.
Do mortgage rules differ by community?
The CBUAE caps apply everywhere, but banks price buildings, off-plan and property types differently — which is why comparing 15+ banks matters.
Where can expats buy in Abu Dhabi?
In designated investment zones such as Yas Island, Saadiyat Island, Al Reem Island, Al Raha Beach, Al Reef, Al Ghadeer and Masdar City — all listed above.

Dubai home loans →  ·  Top developers →  ·  Off-plan projects →

Compare with other UAE banks

Standard Chartered mortgage → ADCB mortgage → ADIB mortgage → CBD mortgage → Dubai Islamic Bank mortgage → All 12 bank guides →

Not sure which bank fits your profile? See current UAE mortgage rates, check your eligibility, work out your DBR or estimate your monthly payment — then we compare all of them for you, free.