What is the longest mortgage term in the UAE?
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Answer: 25 years is the maximum residential mortgage term, subject to the age caps (65 salaried / 70 self-employed at maturity). Longer terms lower the payment but increase total interest.
On AED 1.5M at 3.75%: 25 years ≈ AED 7,712/month, 15 years ≈ AED 10,908/month. Most buyers take the longest term for headroom and use overpayments to finish early.
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