How to Get a Mortgage as an Expat in Dubai – Full Guide

Introduction: Buying property in Dubai as an expatriate has become more accessible than ever. Not only can expats legally own property in designated areas, but banks in the UAE actively lend to foreign residents. In fact, Dubai’s mortgage market is expat-friendly, with banks willing to finance up to 80% of a property’s value for expat buyers (meaning only a 20% down payment on homes under AED 5 million) millionplus.com. This guide explains everything you need to know – from eligibility and documents to interest rates, regulations, and tips – to successfully secure a mortgage as an expat in Dubai.

Can Expats Get a Mortgage in Dubai?

Yes. Both resident expatriates and even non-residents can obtain mortgages in Dubai, provided they meet the banks’ criteria wise.com. Since the law changed in 2002 to allow foreign property ownership, UAE banks have tailored their home loan offerings for expats millionplus.com. Expats with a valid UAE residence visa are the primary candidates for local mortgages, and lenders focus heavily on your income and financial stability rather than lengthy local credit history millionplus.com. In practice, this means if you have a steady job and can demonstrate the ability to repay, you have a strong chance of mortgage approval as an expat. Non-residents (those living abroad) face stricter terms but still may borrow up to around 50% of a property’s value with select banks millionplus.com.

Eligibility Criteria for Expat Mortgages

Banks in Dubai will evaluate your profile against several key eligibility requirements:

• Age: You must be at least 21 years old to apply khaleejtimes.com. Most lenders require that the loan term ends by age 65 if you’re salaried (slightly higher if self-employed), although the UAE Central Bank no longer imposes a hard age cap khaleejtimes.com. Essentially, you should be able to repay the mortgage before retirement age as defined by the bank.
• Income: A stable income is critical. Most banks require a minimum monthly salary of around AED 15,000 for expat borrowers khaleejtimes.com. Higher-income earners have access to more products and better rates. Self-employed applicants usually need to show two+ years of profitable business history and a higher income (often > AED 20k) to compensate for variability.
• Employment History: Lenders prefer you to have steady employment for at least 6–12 months with your current employer (and generally a longer overall work history) millionplus.com. Changing jobs right before or during a mortgage application is not advised. Self-employed individuals should have a valid trade license and at least 2 years of business financials to show stability dubairealestatehub.ae.
• Creditworthiness: Your credit score and existing debts will be checked via the Al Etihad Credit Bureau. While a long UAE credit history isn’t required, a good credit score (700+) with no major defaults will boost your approval chances dubairealestatehub.ae. It’s important to clear or stay current on credit card bills, loans, and avoid any bounced cheques. Banks also calculate your debt-burden ratio (more on this below) to ensure you aren’t overleveraged.
• Residency Status: Typically, you should be a UAE resident with a valid visa (with at least 6-12 months until expiry). Expats working on a UAE visa meet this requirement millionplus.com. A handful of lenders offer mortgages to non-resident foreign buyers, but the loan-to-value is much lower and more documentation (like overseas income proof) is needed.

Meeting these baseline criteria is essential for mortgage approval. If you fall short on one aspect (for example, slightly lower income), you might need a stronger position on another (like a bigger down payment or excellent credit) to compensate.

Documents Required for a Mortgage Application

Once you decide to apply, preparing a complete set of documents will make the process smoother. While exact requirements vary by bank, expect to provide the following:

• Identification: Passport copy, UAE residence visa page, and Emirates ID khaleejtimes.com.
• Income Proof: If salaried, a salary certificate from your employer and 3 to 6 months of pay slips are needed millionplus.com. If self-employed, include your trade license, company financial statements (audited accounts) for the last 1–2 years, and possibly your Memorandum of Association (company incorporation document) khaleejtimes.com.
• Bank Statements: Personal bank statements for the last 3–6 months showing salary credits and expenses millionplus.com. Self-employed persons should also provide recent business bank statements (6+ months) to evidence cash flow.
• Credit Report: An AECB credit report (which you can obtain online) detailing your credit score, existing loans, and credit cards dubairealestatehub.ae.
• Other Documents: Copies of any existing loan or credit card statements to document your liabilities millionplus.com. Some banks may ask for a UAE driving license copy or proof of current address (like tenancy contract or DEWA bill). If you have additional income (bonuses, rental income, etc.), documentation for that can strengthen your case.

Pro tip: Present your paperwork in a clear, organized manner. Missing or inconsistent documents can delay approval. Double-check that names, dates, and numbers match across all forms (for example, your name should match on passport and bank statements).

Down Payment Requirements and DLD Fees

Financing regulations in the UAE mean buyers must put down a significant upfront amount. Expatriate buyers are required to pay a minimum down payment of 20% on a first property purchase in Dubai (for properties priced up to AED 5 million) khaleejtimes.com. In practice, this means if you’re buying a home of AED 1,000,000, you need at least AED 200,000 as a down payment. For more expensive properties above AED 5 million, the minimum down payment is 30% (banks finance only 70% of high-value homes) khaleejtimes.com. And if you are buying a second property or an investment property, the down payment requirement rises further – typically 40% down (only 60% loan allowed) for expats on additional properties khaleejtimes.com. Note that off-plan properties (under construction) are capped at 50% financing, so you must put 50% down payment on any off-plan purchase khaleejtimes.com.

Aside from the down payment, budget for the one-time purchase costs. Dubai Land Department (DLD) charges a 4% registration fee on the property price (plus a small admin fee) for every sale mortgagefinder.ae. If you take a mortgage, there is also a Mortgage Registration Fee of 0.25% of the loan amount (plus ~AED 290 admin) payable to the DLD mortgagefinder.ae. On top of these, you’ll typically owe a 2% agency commission to the real estate broker, a property valuation fee (about AED 2,500–3,500), and some minor trustee and issuance fees providentestate.com. All together, the upfront transaction costs can add up to roughly 6–7% of the property price in Dubai mortgagefinder.ae (this is separate from your down payment).

Important: As of February 2025, a new UAE Central Bank directive bars banks from financing these purchase fees as part of the mortgage. Buyers now must pay the 4% DLD fee and other fees out-of-pocket, upfront – banks will not add them on top of the loan providentestate.comprovidentestate.com. Previously, some lenders would effectively roll up to 80% of the fees into the loan (letting you finance part of the fees), but now you need to cover 100% of the fees in cash, in addition to the down payment. For example, on a AED 1 million property, expect about AED 60,000 in fees (4% DLD + 2% agent) payable upfront providentestate.com, meaning you’d need ~AED 260k liquid (200k down + 60k fees). Be prepared for this liquidity requirement when planning your purchase.

Interest Rates and Mortgage Types in Dubai

When choosing a mortgage, you’ll have to consider the interest rate structure and the type of financing (conventional vs. Islamic):

● Fixed vs. Variable Interest Rates: Dubai banks offer both fixed-rate and variable-rate mortgages. With a fixed-rate, the interest rate is locked for an initial period (typically 1 to 5 years) wise.com. During that fixed period, your monthly payments remain the same, which provides stability in your budgeting. Once the fixed term ends, most loans switch to a variable rate (often pegged to the Emirates Interbank Offered Rate, EIBOR, plus a margin). A variable-rate mortgage means the rate (and your monthly payment) can fluctuate with market interest rates khaleejtimes.com. Variable loans might start with a slightly lower rate than fixed, but your costs can rise if the central bank rates increase. For example, as UAE’s dirham is pegged to the US dollar, rising U.S. interest rates in recent years have led to higher EIBOR and thus higher mortgage repayments for borrowers on variable plans. Hybrid options are common too – e.g. a 3-year fixed rate, after which the loan becomes variable. Tip: If you value predictability or expect rates to rise, opt for a longer fixed period; if you expect rates to drop or plan to sell the property in a few years, a variable (or shorter fixed) can save money.

At the time of writing, mortgage interest rates in the UAE are in the mid-single digits. Typical home loan rates range around 3% to 5% (per annum) for expat borrowers as of early 2024 wise.com, though by late 2025 some rates have edged upward. Your exact rate will depend on the bank’s evaluation of your profile, loan size, and whether you choose fixed or variable. Always compare the annual percentage rate (APR) across offers, which factors in any fees or discounts for a true cost comparison.

● Conventional vs. Islamic Mortgages: Buyers in Dubai can choose between conventional mortgages (the standard loans charging interest) or Islamic home finance which complies with Shariah law (no direct interest). Conventional loans calculate interest on the principal, similar to Western mortgages. Islamic mortgages operate on profit-rate models – common structures are Ijara (lease-to-own) or Murabaha (cost-plus financing) where the bank buys the property and sells it to you at a marked-up price or leases it to you for rent, instead of charging “interest” dubairealestatehub.ae. In practical terms, Islamic and conventional loans feel similar in that you make monthly payments to the bank over up to 25 years; the difference is in the legal structure of the contract. Islamic banks quote a “profit rate” rather than an interest rate, but the effective cost can be comparable to conventional rates. For instance, Dubai Islamic Bank (DIB) and ADIB are major providers of Sharia-compliant home finance, and their profit rates compete closely with conventional mortgage rates millionplus.commillionplus.com. Note: Islamic financing is open to non-Muslim expats as well – it’s often chosen by those who prefer an ethical, interest-free structure or sometimes to get a better deal if an Islamic bank is offering promotions. Whether you opt for a conventional or Islamic mortgage, ensure you understand the terms (especially how the bank’s profit or interest is calculated and any conditions on early payoff).

Mortgage Caps and Debt-Burden Ratio (DBR)

The UAE Central Bank imposes certain “caps” and limits to prevent over-borrowing:

• Loan-to-Value (LTV) Caps: As discussed in the down payment section, banks cannot lend above set LTV ratios. For expat first-home buyers, the cap is 80% LTV (so 20% down) on properties under AED 5M, and 70% LTV on properties above AED 5M khaleejtimes.com. Second home or investment property loans are capped at 60% LTV khaleejtimes.com. And off-plan purchases are max 50% LTV khaleejtimes.com. These caps are mandated by the central bank and cannot be exceeded regardless of your income or net worth. In other words, you will always need to put in the minimum down payment as per these rules.
• Debt-Burden Ratio (DBR): This is a crucial metric. The DBR (or debt-to-income ratio) is the percentage of your monthly income that goes toward paying debts. UAE regulations cap the DBR at 50% for individuals khaleejtimes.com. This means your total monthly debt obligations – including the new mortgage, plus any car loans, personal loans, and minimum credit card payments – must not exceed 50% of your gross monthly income khaleejtimes.com. For example, if your salary is AED 20,000, all your debt payments combined should be AED 10,000 or less per month. If taking on a new mortgage would push your DBR above 50%, the bank will not approve the loan hateemmortgage.com. This rule ensures you have at least half your income left for living expenses and reduces the risk of default. Tip: Before applying, add up your existing loan payments and see how much room is left for a mortgage payment under the 50% limit. If you’re too high, consider paying off some smaller debts first.
• Income Multiple Cap: In addition to monthly DBR, there’s a guideline on the maximum loan amount relative to your income. For expats, the mortgage amount is generally capped at about 7 times your annual income khaleejtimes.com. So if you earn AED 300k per year (AED 25k/month), the maximum mortgage might be around AED 2.1 million. This isn’t a hard public rule but is derived from central bank lending standards (for UAE nationals the cap is 8x annual income, for expats 7x is used) wise.com. In practice, the DBR test often determines the loan size anyway, but high earners should be aware you likely cannot borrow much beyond 7x your salary regardless of low debts.
• Maximum Term: The longest mortgage tenure available is 25 years in the UAE khaleejtimes.com (and it usually must end by age 65–70 depending on the bank’s policy). A longer term lowers the monthly installment but you’ll pay more interest overall. Banks typically offer terms from 5 years up to 25 years; you can choose a shorter term if you can afford higher payments and wish to save on interest.

Understanding these caps is important so you have realistic expectations of how much you can borrow. The 50% DBR rule and down payment requirements are non-negotiable – even if one bank would allow more, they are legally bound by these limits, which are in place to ensure prudent lending and prevent borrowers from taking on excessive debt.

The Mortgage Pre-Approval Process

Before you start house-hunting in Dubai, it’s highly recommended to get a mortgage pre-approval from your bank (or through a mortgage broker). A pre-approval is essentially a green light from the bank on your borrowing capacity, given your income and credit profile, before you have chosen a specific property.

How to get pre-approved: You’ll submit a simple application with documents like passport, Emirates ID, salary letter, bank statements, and credit report – essentially a mini version of a full mortgage applicationdubairealestatehub.ae. The bank will evaluate your eligibility (income, DBR, credit score) and issue a pre-approval letter stating the maximum loan amount you qualify for (and sometimes the corresponding property price).

Timing: Mortgage pre-approvals in the UAE typically take around 3–7 working days to process dubairealestatehub.ae. Once granted, a pre-approval is usually valid for 60–90 days dubairealestatehub.ae. This validity means you have that period to find a property and sign a sale agreement; if it expires, you may need to refresh your documents and get an updated pre-approval.

Why it’s useful: There are several benefits to being pre-approved before making an offer on a property:

• Budget Clarity: You’ll know exactly how much the bank is willing to lend you and therefore what price range you can shop in. This prevents the disappointment of falling in love with a home only to find you can’t get a loan that large.
• Stronger Negotiating Position: Sellers (and agents) will take you more seriously. A pre-approval letter shows that you are a serious buyer with financing essentially secured, which can give you an edge in negotiations or even help in a competitive bidding situation.
• Rate Lock / Faster Processing: Some banks lock in the offered interest rate at pre-approval for the validity period, protecting you if rates rise before you finalize the purchase. Even if not, having pre-approval speeds up the final loan processing since much of your file is already assessed – important in a fast-moving market or if the seller needs a quick transfer.

Overall, getting pre-approved is a smart first step in the expat home-buying journey. It costs little to nothing (some banks might charge a small processing fee or none at all) and can save time when you’re ready to pull the trigger on a property. Just remember that pre-approval is not a guarantee; you’ll still need to get the specific property approved by the bank’s valuators and complete final formalities, but it’s as close as you can get to having cash in hand.

Best Banks for Expat Mortgages in Dubai

Nearly all major banks in the UAE offer home loans to expatriates, but a few stand out for their competitive terms and expat-friendly services:

• Emirates NBD (ENBD): The largest bank in Dubai, known for a wide range of mortgage products. Emirates NBD often provides flexible options for expats, including up to 80% financing for first-time buyers millionplus.com. They have a strong digital platform for applications and sometimes run special expat offers (for example, discounts if you transfer your salary to ENBD). Being a local giant, they have an extensive branch network and experienced mortgage advisors. Minimum salary: AED 15k is typically required.
• Abu Dhabi Commercial Bank (ADCB): A top choice especially for salaried expats. ADCB requires a minimum monthly income of AED 15,000 for expat borrowers millionplus.com. They are known to cater to first-time buyers with responsive customer service sapphirespring.ae. ADCB’s interest rates are competitive and they often have transparent fee structures (e.g. lower processing fees for salary transfer clients). If you prefer a bank with Abu Dhabi roots but strong presence in Dubai, ADCB is a solid pick.
• Mashreq Bank: One of the oldest UAE banks, Mashreq is popular with expats for its innovative mortgage products and promotions. They frequently launch special deals – e.g. limited-time reduced rates, fee waivers, or extra low fixed-rate periods sapphirespring.aesapphirespring.ae. Mashreq is also known for a fast, mostly digital process (their online mortgage portal and calculator make it easy to get started). They lend to residents and even non-resident investors wise.com. If you have a Golden Visa or high net worth, Mashreq may offer preferential rates.
• HSBC Middle East: An international bank option, ideal for expats who may already bank with HSBC or value a global institution. HSBC offers expat mortgages including to non-residents in some cases wise.com. They tend to focus on Premier customers, meaning you might need to have a Premier account (which has eligibility criteria like high income or large deposits) millionplus.com. HSBC’s strengths are in cross-border banking, a reputation for reliability, and potentially easier credit approval if you have a good track record with HSBC abroad. The trade-off can be slightly higher fees or stricter qualifying (Premier status required).
• Dubai Islamic Bank (DIB): For those seeking an Islamic financing route, DIB is the market leader. It provides Sharia-compliant home purchase and refinance schemes with profit rates that rival conventional rates sapphirespring.ae. DIB’s profit model (often via Ijara structure) is transparent, and they finance up to 80% for expats under similar criteria. Non-Muslim expats can also use DIB – the process is nearly the same as a conventional loan. DIB and other Islamic banks (like ADIB) are a great choice if you prefer no interest and possibly more flexible approval if you have strong finances but a short credit history (they sometimes accommodate this by looking at your overall profile).

Other notable lenders: First Abu Dhabi Bank (FAB), Standard Chartered, RAKBANK, and Emirates Islamic also offer expat mortgages. It’s wise to compare offers from a few banks (or engage a reputable mortgage broker) to find who gives the best combination of interest rate, fees, and loan amount for your situation. Keep an eye on promotional rates especially in the summer or end-of-year periods when banks often compete for new mortgage clients.

Tips to Improve Your Mortgage Approval Chances

Securing a mortgage as an expat can be straightforward if you prepare correctly. Here are some tips to boost your approval odds and potentially get better loan terms:

• Maintain a Good Credit Score: Start by ensuring your credit report is clean – pay all your bills on time, clear any outstanding loan instalments, and don’t max out your credit cards. A higher credit score increases your eligibility and can secure better rates sapphirespring.ae. If your score is lower than desired, spend a few months to improve it before applying (e.g. pay down debts, correct any errors on your report).
• Lower Your Debt Burden: As discussed, banks will calculate your DBR. Try to pay off existing loans or reduce credit card balances ahead of your mortgage application to free up room in your 50% DBR limit hateemmortgage.comhateemmortgage.com. For example, settling a car loan or personal loan can significantly improve your debt ratio. Avoid taking any new debt or additional credit cards in the months leading up to your application – new debt will immediately add to your DBR and could flag you as a risk.
• Save a Larger Down Payment: While the minimum down is 20%, offering more (say 25% or 30%) can strengthen your profile. A larger down payment not only reduces how much you need to borrow but also gives the bank more confidence, which might improve your interest rate or negotiating power sapphirespring.ae. It shows you have financial stability and reduces the bank’s risk.
• Stay in Your Job (for now): Job stability is key. Try to avoid switching employers or going on unpaid leave during the mortgage process. Lenders prefer that you have passed any probation period and have continuity in your employment. If you anticipate a job change, it may be better to secure the mortgage before making a move, or wait until after you’ve been in the new job for 6+ months.
• Prepare Documents and Be Transparent: Incomplete or inconsistent documentation is a common cause of delays or rejections. Double-check all paperwork and be upfront about any issues (like a small liability or a gap in employment) with your mortgage advisor. Providing additional supporting documents (e.g. a letter explaining a past credit issue, or extra bank statements showing savings) can help the bank get comfortable with your case.
• Consider a Co-Borrower if Needed: If your income alone isn’t sufficient, some banks allow a co-borrower (like a spouse) to jointly apply, which can increase the total eligible income. Both applicants’ incomes and debts will be assessed together. Make sure the co-borrower also meets the criteria (creditworthy, etc.), as they will be equally responsible for the debt.
• Leverage Banking Relationships: It can help to apply to a bank where you already have an account or salary transfer. Banks often give preferential terms to existing customers. For example, some lenders offer a slightly lower rate if you commit to transfer your salary to them. Having your payroll with the lending bank or a long-standing account can smooth the approval.
• Shop Around and Negotiate: Mortgage market is competitive – don’t hesitate to get quotes from multiple banks. You can use one bank’s offer to negotiate a better rate or lower fees with another. Also, mortgage brokers can be very useful for expats; they know which banks are more flexible with certain profiles and can often secure special rate discounts. Since brokers are typically paid by the bank, using one usually comes at no direct cost to you and can save you time.

By following these tips – cleaning up your finances, presenting a strong application, and choosing the right lender – you’ll significantly improve your chances of approval. Many expats also find that getting pre-approved (as noted earlier) and receiving guidance from a mortgage consultant can turn a potentially daunting process into a relatively easy one.

Risks and Things to Know Before Signing Your Mortgage

Finally, before you commit to a mortgage, make sure you understand the implications and read the fine print. Here are some key considerations and potential risks with Dubai mortgages:

• Fluctuating Payments: If your loan will eventually move to a variable rate (as most do after the initial fixed period), be prepared for your monthly installments to change. Rates in the UAE can move with global interest trends. For instance, a 3% interest today could become 5% in a couple of years, raising your monthly payment substantially. Budget a buffer in your finances for possible rate increases, or consider refinancing to a new fixed rate if you anticipate a rise. On the flip side, if rates fall, your payments may drop – but there’s no guarantee, so plan conservatively.
• Additional Fees and Charges: Beyond interest, there are one-time and ongoing fees. When you take the loan, the bank usually charges a processing or arrangement fee (about 0.5–1% of the loan amount), a property valuation fee, and requires you to pay the DLD’s 0.25% mortgage registration fee mortgagefinder.ae. These can add up to thousands of dirhams. Also, most banks mandate property insurance (building insurance) on the home wise.com and often a life insurance policy that will cover the mortgage balance if you pass away. The premiums for these insurance policies are an extra cost to factor into home ownership. Sometimes the bank offers to arrange life insurance and include the premium in your monthly payment – be sure to ask about the cost and whether you can use your own insurance if preferred.
• Prepayment and Exit Penalties: Check the loan’s terms on early settlement. In the UAE, regulations have capped early repayment fees at 1% of the outstanding balance (max AED 10,000) khaleejtimes.com. This means if you sell the property or refinance the loan with another bank, you’ll pay a penalty of 1% of what’s left to pay (or AED 10k, whichever is lower). While this is much lower than the old 3% fee khaleejtimes.com, it’s still an amount to be aware of. Some mortgages also have a lock-in period during the fixed-rate term where any refinancing incurs this 1% fee. If you think you might repay early or refinance, look for any clause about a “lock-in” or minimum period. Also, partial prepayments (like making an extra lump-sum payment) may be limited to a certain percentage per year (often 10-20% of balance) without penalty.
• Total Interest Cost: A mortgage is a long commitment – and over 20-25 years, the interest adds up. For example, financing AED 1 million over 25 years at a ~4% rate means you pay around AED 600k in interest by the end. Extending your loan tenure makes monthly payments smaller but increases the total cost significantly sapphirespring.ae. Always understand how much you’ll pay in total interest and consider if you are comfortable with that. If possible, try to make extra payments when you can (check that the 1% fee doesn’t apply or is manageable) to shorten the effective term and save on interest.
• Commitment and Legal Obligations: Once you sign the mortgage, you are legally obliged to repay as agreed, regardless of any life changes. If you leave the UAE or switch jobs, you must inform the bank and usually, as long as you continue payments, it’s fine. However, note that if an expat loses their job, some banks might freeze or review the mortgage (since your income source is disrupted). It’s crucial to communicate with your lender if any situation like that arises – they may offer a short grace period or restructure rather than immediately calling in the loan. Defaulting on a mortgage in the UAE has serious consequences, including legal action and potential travel bans. Therefore, never overstretch yourself; ensure you can afford the repayments even in tougher times (e.g. job loss, higher rates).
• Property Value Fluctuations: Real estate markets can go up or down. If property prices fall, you could end up with a mortgage balance higher than the home’s value (negative equity). While Dubai’s market has generally been strong, it has had corrections in the past. This mainly matters if you needed to sell during a downturn – you might have to cover the shortfall to fully repay the bank. The best hedge is to buy for the long term and ensure the property is something you can hold onto through market cycles.
• Hidden Clauses: Always review the mortgage offer letter carefully. Look for details on: what happens after the fixed-rate period (what rate will it revert to – usually something like “EIBOR + X%” – know what X is), whether the rate is a reducing balance rate (almost all UAE home loans are reducing balance interest, which is good), any requirement to maintain a salary account or other products (some packages require you to keep a salary account or credit card with the bank or face fees), and any special conditions (for example, some special low-rate offers might stipulate a bigger early settlement fee if you exit within the first 3 years, beyond the standard 1% – so check if any special promotion rate has its own terms).

In summary, doing your homework on these points will ensure there are no surprises after you sign the dotted line. Don’t hesitate to ask the bank’s representative to clarify every fee and condition. It can also be beneficial to have a conveyancer or legal advisor review the documents, especially if you’re not familiar with local mortgage contracts.

Conclusion: Obtaining a mortgage in Dubai as an expat is very achievable – thousands of foreign residents have successfully bought homes with financing. The key is to understand the requirements (20%+ down payment, solid income, 50% DBR, etc.), prepare your documents, and choose the right bank or broker to work with. By following this full guide, you’ll be well-equipped to navigate the process. With pre-approval in hand and the right knowledge, you can confidently turn from tenant to homeowner in one of the world’s most dynamic property markets. Good luck with your home buying journey in Dubai!

Sources:

1. Khaleej Times – “UAE: How expats can take out mortgage loans; minimum salary, age limit, documents”khaleejtimes.comkhaleejtimes.comkhaleejtimes.com
2. MillionPlus (Dubai Mortgage Guide 2025)millionplus.commillionplus.commillionplus.com
3. Provident Estate – “Dubai’s New Mortgage Rules 2025: What Buyers Need to Know”providentestate.comprovidentestate.com
4. Dubai Real Estate Hub – “First-Time Home Buyer’s Guide in the UAE (2025)”dubairealestatehub.aedubairealestatehub.ae
5. Wise (US) – “Getting a mortgage in Dubai as a foreigner”wise.comwise.com
6. Emirates Islamic Bank – “Know Your Debt-Burden Ratio (DBR)”emiratesislamic.ae
7. Sapphire Spring – “Best Bank for Mortgage Loan – Easy Guide 2025”sapphirespring.aesapphirespring.ae
8. Hateem Mortgage – “Understanding Debt Burden Ratio & Its Impact”hateemmortgage.comhateemmortgage.com