UAE LTV Limitsحدود نسبة القرض للقيمة - الإمارات
Expats: max 80% LTV on first property (≤AED 5M), 75% above AED 5M. UAE nationals: 85% on first property. Max 65% on investment/second properties.
KSA Mortgage Rulesأنظمة التمويل العقاري السعودي
Saudi nationals can borrow up to 90% LTV via the Real Estate Development Fund (REDF) programme. Commercial banks typically offer 80–85% LTV. Max term 30 years.
Dubai Purchase Costsتكاليف الشراء في دبي
DLD transfer fee: 4% of property value. Mortgage registration: 0.25% of loan. Agent fee: 2%. Valuation: ~AED 2,500–3,500. Budget ~6–7% on top of purchase price.
Debt Burden Ratioنسبة عبء الدين
UAE Central Bank caps total monthly debt obligations at 50% of gross salary. Your mortgage + all other loans must not exceed this. Banks assess this before approval.
Fixed vs Variable Ratesأسعار ثابتة مقابل متغيرة
Most UAE banks offer fixed rates for 1–5 years then revert to EIBOR + spread. KSA uses SAIBOR-linked products. Current UAE rates are approx. 4–5.5% (2026).
Islamic Financeالتمويل الإسلامي
Widely available across GCC via Murabaha or Ijara structures. These are Sharia-compliant alternatives to interest-bearing mortgages. Monthly costs are comparable.