UAE Loan-to-Value (LTV) Calculator
UAE Loan-to-Value (LTV) Calculator 2026
Find out the maximum mortgage you can get and your minimum down payment based on UAE Central Bank LTV rules for expats and UAE nationals.
LTV ratio determines how much of your property purchase price a UAE bank may finance. For a qualifying first, self-use residential property under AED 5 million, the standard maximum LTV is 80% for an eligible expat resident and 85% for an eligible UAE national. This means minimum deposits of 20% and 15% respectively.
Different limits or lender criteria can apply to non-residents, subsequent purchases, investment or off-plan property, higher-value property and individual affordability. The lender uses the lower of its valuation and purchase price where applicable. Transaction costs must be budgeted separately.
Common Questions
Maximum LTV for expats in UAE?
80% for an eligible expat resident and 85% for an eligible UAE national (20% and 15% minimum deposits respectively), for a qualifying first, self-use residential property under AED 5 million. Different limits or lender criteria can apply to non-residents, subsequent purchases, investment or off-plan property, higher-value property and individual affordability. The lender uses the lower of its valuation and purchase price where applicable.
Maximum LTV for UAE nationals?
80% for an eligible expat resident and 85% for an eligible UAE national (20% and 15% minimum deposits respectively), for a qualifying first, self-use residential property under AED 5 million. Different limits or lender criteria can apply to non-residents, subsequent purchases, investment or off-plan property, higher-value property and individual affordability. The lender uses the lower of its valuation and purchase price where applicable.
Can fees be included in the mortgage?
No. DLD fees (4%), mortgage registration (0.25%), and other fees must be paid in cash. Only the property price can be financed up to LTV limits.
What if the bank valuation is lower than purchase price?
LTV is calculated on the lower of purchase price or bank valuation. If you pay more than valuation, the difference must come from your own funds.