Commercial Property Finance
Commercial real estate financing assists companies, investors, and business owners in acquiring income-generating properties or business premises.
Key Regulatory Parameters
Reviewed: 2026-10-2150% – 60%
Typical Max LTV
10 – 15 Years
Typical Tenures
What It Is
A mortgage loan secured against commercial real estate—such as office floors, retail units, warehouses, or mixed-use buildings—in designated commercial zones.
Key Features & Structure
- Finance available for owner-occupied business premises or commercial rental investments.
- Tenures typically range from 10 to 15 years.
- Assessment can evaluate corporate cash flow or commercial lease revenue.
Who It Suits
Business owners tired of paying office/warehouse rent, corporate entities, and seasoned commercial investors.
Important Things to Consider & Risks
- Commercial property transactions are subject to standard 5% UAE VAT.
- LTV caps are lower than residential purchases (typically 50% to 60%).
- Lenders require detailed audited company financials and business performance history.
Typical Documents Required
- Trade Licence, MOA, and Certificate of Incorporation
- Audited financial statements for the past 2 years
- Last 12 months company bank statements
- Commercial tenancy contracts and property details
Estimate Your Monthly Payments
Use our client-side calculator to model repayment scenarios under CBUAE rules.
Rate Risk Notice: Fixed rates usually last 1–5 years. After that your rate typically follows EIBOR plus the lender's margin, so payments can go up or down.
Frequently Asked Questions
Yes. Commercial property sales and lease transactions are generally subject to 5% UAE VAT, unlike bare residential properties which may be zero-rated or exempt.