How much can I borrow to buy in Dubai, and what is the risk of over-leveraging?

Expats can typically finance up to 80% for a first home under AED 5 million (20% down), less for pricier units and only about 50% for off-plan — verify current caps, and fees cannot be added to the loan. Over-leveraging is risky: rates can rise, values can fall into negative equity, and a 50% debt-to-income cap applies. Keep a cash buffer.