When is the Loan-to-Value (LTV) ratio important in Dubai mortgages?
The LTV ratio determines how much you can borrow: for expats it is typically up to 80% on a first property, meaning at least a 20% down payment. For second properties the LTV usually drops, requiring a larger deposit.
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.
