Desk research against primary sources. Figures are traced to the issuing UAE authority and linked on the page.
The LTV ceiling — 80% under AED 5M, 75% above it, 50–60% for non-residents — sets the maximum loan size, but it is not the number that usually decides what gets approved. The debt burden ratio, capped at 50% of monthly income across all commitments, is checked separately, and an existing car loan or credit card balance can cap the mortgage well below what the LTV alone would allow.
Age at maturity is the other constraint that catches people later in their career: the loan has to be structured so the borrower is no older than 65–70 when the 25-year term ends, which can shorten the term — and raise the monthly payment — for anyone starting a mortgage later in life. The AED 4,000–6,000 per AED 1M monthly estimate assumes the full 25-year term is available.
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