Mortgage
What you can borrow, on the rules that bindHala's decision for you
Hala is reading the figures on this page…
Your numbers
The ceiling is the loan divided by 80% — the deposit is sized on what you can afford, not on a price you typed.
What binds here
Debt burden ratio 50% of income (CBUAE) — your ceiling is set by income, not by the property.
Loan-to-value 80% under AED 5M for a first home as an expat; 85% for a national.
Fees in the 5-year cost: 4% transfer in Dubai, and 0.5% registration, trustee and admin. A bank's own valuation and arrangement fees are set by each lender.
Get pre-approved?
- Hala lays out the exact documents each stage of a UAE mortgage asks for.
- Nothing is sent to a bank — there is no lender arranged through PropDirect.
- When a bank answers you, record it here and the page keeps it.
Rent or buy, on your numbers
| Buy · 3BR Townhouse · Palm Jumeirah | Rent the same | |
|---|---|---|
| Cost over 5 years | —enter the rate a bank quoted you | AED 1.67Mat today's rents, from 276 registered contracts |
| Cash at the start | —deposit and purchase fees | AED 333Ka year's rent, if paid in one cheque |
| You own | the home and the risk | your time |
Put in your rate and Hala works out when buying this home starts to cost less than renting it.
No bank's advertised rate is shown as yours. Nothing here is advice; the numbers are the rules and your inputs.
What the specialists did on this page
1 ran · 1 stopped to ask · 2 did not run · each row opens its sources
Buyer Profile / Buyer Twin Intelligencebuyer.twinWhat you told Hala, in your own wordsDid not run: you are not signed in, so nothing you said is held—
Knows a buyer in three compartments that never mix: what they said, what they did, and what Hala infers - an inference is never a constraint until the buyer confirms it.
Mortgage Intelligencebuyer.mortgageYour pre-approval · the CBUAE capsDid not run: sign in to use a pre-approval—
What a UAE bank will lend and what it costs, prepared and explained; the lender decides.
Affordability Intelligencebuyer.affordabilityYour monthly income · your liabilities · the CBUAE capsWaits for your income: the ceiling is worked out on this page as you type, from the 50% debt-burden cap — never by a model—
What the buyer can afford from their own stated cash and finance under the CBUAE caps - a deterministic ceiling that says which figure bound it.
Investment Intelligencebuyer.investmentRegistered tenancy contracts for homes like this oneRegistered rent: AED 141 per sqft a year, from 276 contracts2026-09-20
Yield and renovation uplift from the rent a home can command and what it costs, computed, never estimated by a model.