UAE mortgages for non-residents

Buy properties in UAE from anywhere in the world

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Investor visas for non-residents


A residence visa for non-residents who invest in the UAE economy


Stay in the UAE for 3, 5 or 10 years as are sident (extendible)


Apply for the visa and invest a specific amount of capital in the UAE economy

Types of investor visas Real Estate Option Capital Markets Option
3-year investor visa Invest AED 750k in UAE property Invest AED 70k in UAE listed shares
5-year investor visa Invest AED 2m in UAE property Invest AED 500k in a UAE business as capital
10-year investor visa Invest AED 10m in UAE property Invest AED 10m in a UAE investment fund or company

Tax benefits for non-residents

No income tax in the UAE

No social security tax for non-residents

  • GCC nationals pay 17.5%, UAE nationals pay 5% of income

45 tax-free zones for businesses in the UAE

No social security tax for non-residents

  • Around 4% of the property value usually split between the buyer and seller
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No Stamp duty in the UAE

Value-Added Tax

  • GCC nationals pay 17.5%, UAE nationals pay 5%of income
  • Otherwise, 5% VAT is required on exchange ofservices and goods

Municipality / Rental tax

  • Dubai: 5% of annual rent for residential tenants,10% for commercial
  • Abu Dhabi: 3% of annual rent for expats andnon-residents
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UAE residency requirements

Investor visa
  • Get a visa based on investment capital (3, 5 or 10 years - renewable)
Real estate visa
  • Purchase a UAE property valued at AED 1 million or more
Employment visa
  • Employer dependent visa (1 or 2 years - renewable)
UAE golden visa*
  • Business owners, CEOs, field professionals, investors (5 to 10 years - renewable)
Retirement visa
(5 years - renewable) Persons over the age of 55 who have one of the following:
  • AED 20,000 per month active income
  • AED 1 milion in savings
  • AED 2 milion in property investment

Why buy in Dubai?

Connecting continents

At the crossroads of Europe, Asia and Africa, UAE acts as a connecting link between the 3 continents and their multitudes of cultures

Welcoming and inclusive

Family friendly and inclusive of over 200 nationalities from all over the world, welcoming diversity and cooperation

High-standard living

Thriving communities with an international education system, world-class healthcare and public amenities

Efficient economy

Stable currency, no income taxes, and VAT-free residential properties for investors

Current bank interest rates in UAE

Bank Published banks interest rate Down payment Repayment period Installment for USD 500,000 loan amount
First Abu Dhabi Bank 4.24% from 20% up to 25 years AED 2,706
Emirates NBD 4.79% from 20% up to 25 years AED 2,862
Mashreq 4.99% from 20% up to 25 years AED 2,920
Dubai Islamic Bank 4.74% from 20% up to 25 years AED 2,848
Abu Dhabi Islamic Bank 4.44% from 20% up to 25 years AED 2,762
Dubai Islamic Bank 4.74% from 20% up to 25 years AED 2,848
HSBC 4.99% from 20% up to 25 years AED 2,920
Commercial Bank of Dubai 4.79% from 20% up to 25 years AED 2,862
United Arab Bank 4.35% from 20% up to 25 years AED 2,737

Conditions for pre-approval

  • Salaried employees - at least 6 months in their current job
  • Self-employed - running their business for at least 2 years
Credit history
  • Good credit history is necessary
  • Minimum income considered by many banks starts from AED 15,000 (or AED 3,000,000 annual turnover for self-employed)
  • Maximum 50% of income dedicated to repayment
Employment sector
  • Some banks only offer loans to employees from well-established institutions or government departments
Down payment
  • Starting from 20% (15% with national Islamic funding options)
Loan term
  • Up to 25 years
Age range
  • Between 25 and 65 years old
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Required documentation for pre-approval

Personal documentation Valid passport

Salaried employee

  • Latest salary certificate (with length of employment and position)
  • Pay slips from the latest 3 months
  • Any additional bank statements from the last 6 months
  • Liability/Reference letter no more than 45 days old
  • Latest tax returns for the previous 2 years or Credit Report (if applicable)


  • Valid Trade License copy
  • Copy of Chamber of Commerce Registration
  • Copy of Partnership Page in case of multiple partners
  • MOA (Memorandum of Association) including all amendments
  • Copy of Labor Contract
  • Audited financials from the last 2 years

Identical documentation for co-borrowers (if applicable)

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Property documentation

  • Quote or offer letter from the seller
  • Sale or purchase agreement
  • Title deed or site plan
  • Proof of down payment
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Maximum monthly instalment and loan amount

Monthly income in AED Maximum monthly instalment Maximum mortgage loan amount
$3,500 $1,750 $525,000
$4,000 $2,000 $600,000
$5,000 $2,500 $750,000
$6,000 $3,000 $900,000
$7,000 $3,500 $1,050,000
$8,000 $4,000 $1,200,000
$9,000 $4,500 $1,350,000
$10,000 $5,000 $1,500,000
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Mortgage loan down payment

Property type Property price Maximum LTV (loan-to-value ratio) Minimum Down Payment Required
First property Under AED 5 million 50-80% 20-50%
First property Over AED 5 million 50-70% 30-50%
Any subsequent property Any price 50-60% 40-50%
Off-plan / under-construction property Any price 50% 50%

Mortgage process duration

Typical process phase Estimated duration
Registration and loan inquiry at Kredium 5-10 minutes
Personalized offers from Kredium 30 minutes-1 hour
Mortgage application with a lender 1 day
Mortgage processing by a lender
• Salaried employees 7-10 days
• Self-employed 15-20 days
Mortgage closing with a lender 1 day
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Costs of mortgage approval

Costs Amounts in case of a AED 3,500,000 loan
Mandatory one-time costs In AED
Land department fee 175,580
Property registration fee 4,200
Mortgage registration fee 8,760
Valuation fee 3,675
Bank processing fee 36,750
Optional one-time costs In AED
Real estate agency or broker fee 91,875
Conveyancing fee* 8,000
Oqood fee** 175,000
Mandatory recurring costs In AED
Life insurance 392
Property insurance 191
Total 504,423
Without optional costs 229,548

Monthly instalments for a AED 3.5 million mortgage loan with different rates and terms

Interest rate Mortgage instalments
10 years 15 years 20 years 25 years
1.90% 32,048 22,362 17,541 14,665
2.20% 32,519 22,847 18,039 15,178
2.40% 32,836 23,173 18,377 15,526
2.60% 33,154 23,503 18,718 15,878
2.80% 33,474 23,835 19,062 16,236
3.00% 33,796 24,170 19,411 16,597
3.20% 34,120 24,508 19,763 16,964
3.40% 34,446 24,508 19,763 16,964
3.60% 34,774 25,193 20,479 17,710

Early mortgage repayment

  • 1% fee (1.05% inclusive of VAT) on the outstanding loan amount
  • The fee is capped at AED 10,000 (AED 10,500 inclusive of VAT)
  • Some lenders allow early settlement up to 40% of the loan amount with no fee required
  • Some lenders don't charge a fee for early settlements up to 15% of the outstanding amount (limited to once per year)
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Imagine you want to prepay your loan and fully close it in 5 years

Year 0 1 2 3 4
Outstanding amount 3,500,000 2,800,000 2,100,000 1,400,000 700,000
Prepayment 700,000 700,000 700,000 700,000 700,000
Fee 10,500 10,500 10,500 10,500 7,350

Why buy in Dubai?

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Deep expertise in investment properties

Our international mortgage and real estate brokers offer expert advice and guidance to help you towards your next investment in the UAE

Remote end-to-end support

Get personalized advice, book a property, apply for a mortgage and realize your investment, all from the comfort of your home or office. We are here for you from start to finish.

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Value-added services

Our partners will help you with any legal requirements and documentation you may need in order to realize your goal (e.g. investment visa)

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Contact us

Kredium Technologies LLC

Single Business Tower, 26th Floor
153 Sheikh Zayed Rd
Business Bay, Dubai, UAE