Regulatory Limits

Down Payment & LTV Calculator

Check statutory maximum loan and minimum down payment limits set by the Central Bank of the UAE.

AED
Maximum Allowable Mortgage Loan
AED 2,000,000
LTV Cap: 80%
Minimum Down Payment Required AED 500,000
Minimum Down Payment % 20%
Down Payment (20%) Bank Loan (80%)

Central Bank of the UAE LTV Rules

  • Expatriate First Home: 80% maximum LTV for properties up to AED 5 million; 70% maximum LTV for properties above AED 5 million.
  • UAE National First Home: 85% maximum LTV up to AED 5 million; 75% above AED 5 million.
  • Second / Investment Properties: 60% maximum LTV for expats; 65% for UAE Nationals.
  • Off-Plan & Non-Residents: 50% maximum statutory LTV.
Calculator Disclaimer: Estimates for illustration only, based on your inputs and the assumptions shown. Not a mortgage offer or pre-approval. Nothing you enter is stored or sent — calculations run in your browser.

Explore Your UAE Mortgage Options

Run your figures privately with our interactive browser-only calculators or review regulatory eligibility criteria before submitting your application.

1. Check Affordability
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2. Estimate Buying Costs
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3. See Eligibility
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