List Your Property
Linkedin Instagram

We Help you find the right mortgage

Your home-buying experience deserves to be seamless and hassle-free. Connect with our in-house mortgage team today, and let them secure the best rates available in the UAE for you

Frequently Asked Questions

Who can apply for a mortgage in the UAE?

Both UAE residents and non-residents can apply for a mortgage in the UAE. However, eligibility criteria, such as minimum income requirements and loan-to-value (LTV) ratios, may vary based on residency status.

The LTV ratio depends on the property value and whether it is a first-time purchase: For UAE residents: Up to 80% for properties valued under AED 5 million (70% for properties above AED 5 million). For non-residents: Up to 50% of the property value.
There are two main types of interest rates:
1. Fixed-Rate Mortgage: The interest rate remains constant for a set period (e.g., 1-5 years).
2. Variable-Rate Mortgage: The interest rate fluctuates based on the EIBOR (Emirates Interbank Offered Rate) or the bank’s base rate.

Mortgage tenures in the UAE typically range from 5 to 25 years, depending on the lender and the borrower’s age..

Yes, some banks offer mortgages for off-plan properties, but they are typically restricted to developers approved by the bank. Additionally, mortgages are usually available once a certain percentage of construction is completed.
Yes, non-residents can obtain a mortgage in the UAE, but the LTV ratio is typically lower (up to 50%), and additional documentation may be required.

My mission is to empower individuals to confidently navigate the real estate market by providing the tools and guidance they need to achieve their goals, whether for personal use or investment. With a focus on integrity, expertise, and trust, I am dedicated to delivering real value to clients, guiding them through every step of their journey, and building strong, lasting relationships.

All Copyrights Reserved @ 2024

  • +971 58 559 5499
  • www.thekazma.com
Linkedin Instagram

Lets Talk!

Insert your info below and i will contact you within 12 hours

By submitting this form, you consent to the collection and use of your information to process your request. We value your privacy and will not share your details with third parties without your consent