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 will finance. UAE Central Bank LTV limits: expats first property under AED 5M: 75% LTV (25% down). Properties over AED 5M: 65% LTV (35% down). UAE nationals first property under AED 5M: 80% LTV (20% down). Second properties: 65% LTV for all buyers.
LTV limits apply to the lower of purchase price or bank valuation. DLD fees (4%), mortgage registration (0.25%), and other fees must be paid in cash on top of the down payment.
Common Questions
Maximum LTV for expats in UAE?
75% for first property under AED 5M (25% down payment). 65% for properties over AED 5M (35% down).
Maximum LTV for UAE nationals?
80% for first property under AED 5M (20% down). 70% above AED 5M. 65% for second properties.
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.
Calculate the maximum mortgage you can get based on UAE Central Bank LTV rules — and how much cash you'll need for the down payment and fees.