How much deposit do UAE nationals need for a mortgage?
Less than expats. UAE nationals can borrow up to 85% loan-to-value on a first property up to AED 5 million - a 15% down payment - and up to 75% (25% deposit) above AED 5 million. As with expats, these Central Bank caps tighten for second or investment properties, and buyers still pay the ~4% DLD and other transaction fees on top.
Rules and eligibility criteria change — confirm the current position with the relevant authority before acting. This is general information, not legal advice.
Figures here are indicative as of July 2026 and set by third parties (government, banks, developers) — confirm the current amount before relying on it.
