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Home Services Mortgage in the UAE for Individuals - Easy Guide

Mortgage for Real Estate in the UAE for Individuals

Purchasing real estate in the UAE with a mortgage is a real opportunity for both residents and non-residents. National banks in the Emirates offer mortgages to individuals on favorable terms, with a high approval rate when the documentation is properly prepared.

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Who Can Get a Mortgage?

  1. UAE residents (holders of employee, partner, Golden Visa, etc.).
  2. Non-residents with confirmed income or property in the UAE.
  3. Employed individuals with an official salary.
  4. Business owners, freelancers, and investors with confirmed income.

Lending Conditions

  • For residents: coverage of 60–80% of the property's value.
  • For non-residents: coverage up to 60%.
  • The rate depends on income, bank, and loan currency.
  • Maximum amount: salary × 84.
  • Minimum salary: from 10,000 AED per month.
  • For business owners: company from 2 years + audited financial statements.

What is Important to Know

Bank Requirements

Mortgages are available only for completed properties. The bank conducts an independent appraisal, and the loan amount is calculated based on its result.

Turnkey Mortgage in the UAE

We will calculate your available amount, select a bank, and guide the process to the deal. MIRAD ensures control at all stages.

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What MIRAD Does

  • Calculation of available mortgage amount.
  • Bank selection and rate consultation.
  • Preparation of a complete document package.
  • Property agreement and bank appraisal.
  • Negotiation support and contract signing.
  • Support until the final loan repayment.

Why Choose MIRAD

  • We work with Emirates NBD, ADIB, RAKBANK, etc.
  • Knowledge of bank requirements for visas, income, and properties.
  • Protection from rejections and hidden conditions.
  • Full process control until funds are credited to the seller.

FAQ: Mortgage in the UAE

❓ Can a non-resident get a mortgage?
✅ Yes, banks lend to non-residents with confirmed income.

❓ What properties are eligible for a mortgage?
✅ Only completed and commissioned properties.

❓ What is the minimum salary required for a mortgage?
✅ From 10,000 AED per month.

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