As an NRI, can I use my Indian salary or income to qualify for a Dubai mortgage?

Yes. Several UAE banks offer non-resident mortgages and can assess overseas salary or business income, including from India, using home-country payslips, bank statements and tax returns. Non-residents typically borrow 50-60% of value, so 40-50% comes as cash. Note NRIs remit from NRE/NRO or foreign accounts; only resident Indians are bound by the LRS cap.