# How to get a mortgage in Dubai as a non-resident (2026): LTV, costs and the process

> Non-residents borrow 50 to 60% in Dubai. The real LTV, the cash you need at transfer after the Feb 2025 rule change, and the full process.

Source: https://withlida.com/insights/non-resident-mortgage-dubai

---

:::intro
Non-residents can apply for Dubai mortgages: HSBC publishes up to 60% loan-to-value, the loan divided by the property's value, for eligible Premier or Private Bank customers. FAB publishes a ceiling of AED 10 million. These product features remain subject to each applicant's assessment ([HSBC](https://www.hsbc.ae/mortgages/non-resident/), [FAB](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), verified 16 October 2026).
:::

:::summary
- For an overseas applicant, the useful comparison is bank eligibility, the written loan amount, valuation and itemised cash requirements.
- Published bank features and Central Bank ceilings are separate. Neither establishes the loan an individual applicant will receive.
- Approval in principle, property valuation, the final offer and mortgage registration are separate stages.
- Purchase equity is the agreed price minus the approved loan. Government charges, contractual allocations and lender quotes are additional ledger lines.
- A fixed introductory period can be followed by a variable rate. The reference, margin and reset terms belong in the written offer.
:::

| Bank | Published borrowing feature | Eligibility or pricing feature | Published fee |
|---|---|---|---|
| [HSBC](https://www.hsbc.ae/mortgages/non-resident/) | Up to 60% of property value | Premier or Private Bank customer, or eligible for an account; applicant assessment still applies | Standard valuation AED 2,625 including VAT |
| [First Abu Dhabi Bank (FAB)](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents) | Loan amount up to AED 10 million | Variable options linked to EIBOR or MBR; personal terms require assessment | No approval-in-principle fee; other charges remain separate |

Source: withlida.com, 16 October 2026, from the banks' linked non-resident product pages. FAB's feature text does not give a numerical LTV or applicant interest rate. Its calculator inputs and outputs are estimates, not a lending offer.

**Last verified: 16 October 2026.** Checked by the publication's independent check, 16 October 2026.

## Can a non-resident apply?

Yes. HSBC and FAB publish mortgage products for people living outside the UAE, with acceptance determined by the lender's eligibility and credit assessment ([HSBC](https://www.hsbc.ae/mortgages/non-resident/), [FAB](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), as of October 2026).

HSBC expressly requires an existing Premier or Private Bank relationship, or eligibility for an account. Its non-resident page describes opening an eligible account for repayments. FAB's page invites a consultation to establish eligibility and product terms. Neither page turns non-resident status alone into approval.

Ownership eligibility and mortgage eligibility are different questions. Freehold means outright ownership of the property and its associated land rights; the bank must also accept the particular property as security. The Central Bank requires checks on legal title and an independent valuation before an irrevocable lending commitment ([CBUAE mortgage regulations, Article 2](https://rulebook.centralbank.ae/en/entiresection/2856), as of October 2026).

::card{href="/insights/freehold-areas-dubai" title="Freehold areas in Dubai" description="Background on outright ownership and the separate property-ownership check."}

## How much can each bank lend?

HSBC's published non-resident limit is up to 60% of property value; FAB's named product page publishes a loan ceiling of AED 10 million. The applicant's approved amount depends on the lender's assessment, rather than a universal non-resident lending band ([HSBC](https://www.hsbc.ae/mortgages/non-resident/), [FAB](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), as of October 2026).

The Central Bank of the UAE, or CBUAE, sets regulatory maxima by borrower and property classification. These ceilings remain separate from the banks' product features above.

| CBUAE borrower and property classification | Maximum LTV |
|---|---|
| UAE national, first house/owner occupier, value less than or equal to AED 5 million | 85% |
| UAE national, first house/owner occupier, value more than AED 5 million | 75% |
| UAE national, second or subsequent house or investment property, regardless of value | 65% |
| Expatriate, first house/owner occupier, value less than AED 5 million | 80% |
| Expatriate, first house/owner occupier, value more than AED 5 million | 70% |
| Expatriate, second or subsequent house or investment property, regardless of value | 60% |
| All purchaser categories, property purchased off-plan, regardless of purpose or value | 50% |

Source: withlida.com, 16 October 2026, from [CBUAE Article 3: Important Ratios](https://rulebook.centralbank.ae/en/rulebook/article-3-important-ratios). Off-plan means property purchased before completion.

Each borrower can claim only one property in the first-house/owner-occupier category. The expatriate text uses “less than” and “more than” AED 5 million; it does not expressly place a property valued at exactly AED 5 million in either band. That boundary requires confirmation with the lender under the applicable rules ([CBUAE Article 3](https://rulebook.centralbank.ae/en/rulebook/article-3-important-ratios), as of October 2026).

Debt burden ratio, or DBR, measures debt commitments against income. Article 3 sets a maximum DBR of 50% of gross salary and regular income from a defined source, and a maximum loan tenor, the repayment term, of 25 years. It also limits expatriate financing to up to seven years' annual income and UAE-national financing to up to eight years' annual income. Lenders determine the permitted age at final repayment under their policies ([CBUAE Article 3](https://rulebook.centralbank.ae/en/rulebook/article-3-important-ratios), as of October 2026).

Those maxima are not automatic allowances. CBUAE requires an individual affordability assessment, including other debt, credit cards and household expenditure, and interest-rate stress testing 2 to 4 percentage points above the applicable rate. Where an introductory rate applies, the test refers to the rate after it ends. Down-payment funds must come from the borrower's own resources rather than personal loans or credit cards ([CBUAE Articles 2 and 3](https://rulebook.centralbank.ae/en/entiresection/2856), as of October 2026).

A residence visa does not by itself establish an owner-occupier classification, accepted income, property valuation or approved loan. The lender's written assessment establishes the amount within the applicable ceilings.

## What cash costs arise?

The cash requirement is purchase equity plus the charges and contractual amounts payable by the buyer. Each line has its own basis; a single acquisition-cost percentage cannot establish the total for a particular file.

### Official charges and contractual allocation

DLD, the Dubai Land Department that registers property transactions, lists seller and buyer sale fees separately. Contract F, DLD's sale-and-purchase contract template, records how the parties allocate the combined charge in clause 11 ([DLD sale registration](https://dubailand.gov.ae/en/eservices/property-sale-registration/), [Contract F](https://dubailand.gov.ae/media/0cgkf30t/contact_f_2021_v3-3.pdf), verified 16 October 2026).

| Sale-registration line | Published amount | Application |
|---|---|---|
| Seller and buyer percentage lines | Seller 2% plus buyer 2% of sale value, combined 4% | The signed contract records who funds each share |
| Title deed certificate issuance | AED 250 | Sale document fee |
| Property-specific lines | Unified map under Dubai Municipality AED 225; land map outside Dubai Municipality AED 100; villas/apartments AED 250 | Use the applicable property and output lines, rather than adding every map category |
| Knowledge and innovation | AED 10 plus AED 10 | Listed sale-service charges |
| Sale service partner | AED 4,000 plus VAT where sale value is AED 500,000 or more; AED 2,000 plus VAT below it | Sale through the Real Estate Registration Trustee centre |

Source: withlida.com, 16 October 2026, from [DLD Property Sale Registration](https://dubailand.gov.ae/en/eservices/property-sale-registration/) and [Contract F, clause 11](https://dubailand.gov.ae/media/0cgkf30t/contact_f_2021_v3-3.pdf).

In Lida Moghaddam's resale practice, confirmed 21 September 2026, the buyer usually funds the combined 4% DLD charge. This is practice rather than a buyer-only published tariff; confirm the allocation in the sale contract.

Mortgage registration creates a separate ledger. DLD describes both the bank's online mortgage system and a trustee-centre route, so the service channel and outputs affect which additional lines are billed.

| Mortgage-registration line | Published amount | Application |
|---|---|---|
| Mortgage percentage charge | 0.25% of mortgage value | Calculated on the registered mortgage amount |
| Ordinary mortgage title issuance | AED 250 per title deed | Where that title output is issued for the mortgage transaction |
| Knowledge and innovation | AED 10 plus AED 10 per drawing | According to the drawings charged |
| Ordinary mortgage service partner | AED 4,000 plus VAT | Where the service-partner route is used and billed |
| Provisional Oqood service partner | AED 5,000 plus VAT | Provisional registration for off-plan property, rather than the ordinary-mortgage partner line |

Source: withlida.com, 16 October 2026, from [DLD Mortgage Registration](https://dubailand.gov.ae/en/eservices/request-for-mortgage-registration/).

In the online route, the bank submits and audits the documents, DLD audits the transaction and fees are debited from the bank account. At the trustee centre, documents are checked, transaction details audited and fees paid with a receipt. The published page does not establish that every online file bears every trustee charge, or that using the online route waives every additional fee. The bank and trustee transaction quote establishes the applicable service and output lines ([DLD Mortgage Registration](https://dubailand.gov.ae/en/eservices/request-for-mortgage-registration/), as of October 2026).

### An explicitly hypothetical cash ledger

Assume a completed apartment costs **AED 2,000,000** and the bank separately approves a loan of **AED 1,100,000**. These are invented teaching inputs, not a property listing, a bank quote or a loan derived from a regulatory maximum.

For this example only, assume the registered mortgage value equals the approved loan and the contract allocates the full combined sale charge to the buyer. Assume a sale trustee service and a separately billed ordinary-mortgage trustee service, including one additional mortgage title deed and one drawing. Use HSBC's published standard valuation fee as the named lender-cost example; it is not FAB's tariff.

| Cash line | Formula or basis | Hypothetical amount |
|---|---|---|
| Purchase equity | AED 2,000,000 price minus AED 1,100,000 approved loan | AED 900,000 |
| Buyer-funded sale percentage charge | AED 2,000,000 × combined 4%, assumed contractual allocation | AED 80,000 |
| Sale document/property charges | AED 250 title + AED 250 apartment line + AED 10 knowledge + AED 10 innovation | AED 520 |
| Sale service partner including VAT | AED 4,000 × 1.05 | AED 4,200 |
| Mortgage percentage charge | AED 1,100,000 × 0.25% | AED 2,750 |
| Separate ordinary-mortgage title and drawing charges | AED 250 + AED 10 + AED 10, assuming those additional outputs are billed | AED 270 |
| Separate ordinary-mortgage service partner including VAT | AED 4,000 × 1.05, assuming separately billed | AED 4,200 |
| HSBC standard valuation including VAT | Named published lender fee | AED 2,625 |
| **Selected-lines cash subtotal** | **Sum of the preceding lines** | **AED 994,565** |

Source: withlida.com, 16 October 2026. Hypothetical price, loan and billing assumptions; charges from [DLD sale registration](https://dubailand.gov.ae/en/eservices/property-sale-registration/), [DLD mortgage registration](https://dubailand.gov.ae/en/eservices/request-for-mortgage-registration/), [HSBC's non-resident page](https://www.hsbc.ae/mortgages/non-resident/) and the [Federal Tax Authority's standard 5% VAT explanation](https://tax.gov.ae/en/faq.aspx?keyword=Does+VAT+apply+to+all+goods+and+services). VAT is applied to the partner charges published plus VAT.

The remaining quoted costs are **Q**, not zero. They include any agreed agency commission and applicable VAT, bank arrangement or processing charges, required insurance, and any developer, conveyancing, document, remittance or currency-conversion costs payable by the buyer. The amounts and payment dates come from the agency agreement, lender quote, sale contract and relevant providers. FAB's page expressly names processing, valuation and property all-risk-insurance charges at the offer stage ([FAB non-resident mortgage](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), as of October 2026).

**Cash requirement under these assumptions = AED 994,565 + Q.** It is not a complete acquisition quote. Payments already credited towards the price reduce the remaining purchase-equity balance; a price deposit is not added again as a second cost.

If the contract instead leaves the buyer funding only DLD's buyer 2% line, that line is AED 40,000, a reduction of AED 40,000 from this example. If the mortgage uses another channel, the separate trustee and output assumptions must be replaced by the actual billed lines. Neither variation establishes a universal fee waiver.

### Valuation differences and a revised loan

A valuation gap and a funding gap are different calculations. With the assumed AED 2,000,000 price and an assumed valuation of AED 1,900,000, price minus valuation is AED 100,000. The purchase equity still depends on the bank's approved loan; the valuation gap is not automatically added on top of price minus loan.

For a separate sensitivity calculation, suppose the lender revises the approved loan and registered mortgage value to AED 1,000,000. Equity becomes AED 1,000,000 and the mortgage percentage charge becomes AED 2,500. Holding every other example line unchanged, the selected-lines subtotal becomes **AED 1,094,315** and the cash requirement becomes **AED 1,094,315 + Q**. The increase is **AED 99,750**: AED 100,000 extra equity less AED 250 in mortgage percentage charges. This is arithmetic on assumed revised lending, not a rule that maps each valuation change to the same loan change.

:::callout{variant="warning" title="Separate the price contribution from the costs"}
The purchase price, approved loan, signed fee allocation, registration route and lender quotes each change the cash ledger. A conditional approval or a calculator output does not establish the final funds required for completion.
:::

## The step-by-step process

HSBC and FAB publish application sequences that distinguish an initial borrowing assessment from valuation, the final offer and registration. The sale contract also has its own deadlines; there is no single bank-independent timetable ([HSBC application](https://www.hsbc.ae/mortgages/how-to-apply/), [HSBC non-resident process](https://www.hsbc.ae/mortgages/non-resident/), [FAB process](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), verified 16 October 2026).

::::steps
:::step{title="Establish eligibility and obtain the initial assessment"}
HSBC describes preparing income, expense and employment details, completing its form, obtaining approval in principle and then applying in full. FAB starts with an expression of interest and consultation, during which an approval in principle can estimate borrowing eligibility. An approval in principle, or AIP, is an initial assessment rather than the final loan offer. HSBC publishes a 60-day validity for its AIP; this does not establish FAB's validity or the expiry of a later offer.
:::
:::step{title="Record the property and sale-contract conditions"}
FAB places the property MOU, the memorandum of understanding recording the sale agreement, before its valuation step. DLD's Contract F provides fields for the security/deposit cheque, finance conditions, deadlines and fee allocation. Clauses 9 and 10 address a finance-conditional contract; the actual completed terms determine how those conditions operate. The template does not establish a universal deposit percentage or a standard payment to a trustee.
:::
:::step{title="Complete the property valuation"}
HSBC's non-resident process names valuation as a separate stage. FAB describes arranging it with a Home Representative after identifying the property. A valuation assesses the bank's security; it does not itself establish final approval of the borrower, the property or the requested loan.
:::
:::step{title="Complete the documents and accept the final offer"}
FAB describes submitting the application, income proof and sale agreement for the final decision, then accepting the offer letter and mortgage terms. HSBC describes reviewing and accepting the mortgage offer after approval and opening an eligible repayment account where needed. The final amount, conditions, rate mechanics, fees and expiry belong to those documents.
:::
:::step{title="Complete the developer and registration file"}
DLD's sale service lists a developer e-NOC, an electronic no-objection certificate, for freehold-area transfers. The bank's mortgage-registration file is separate from the sale file and from the lender's credit approval. The published document requirements differ by registration channel.
:::
:::step{title="Register, disburse and retain the outputs"}
HSBC's non-resident page describes Land Department mortgage registration and an in-person signature on the loan document. FAB describes registration followed by disbursal through a manager cheque, a bank-issued payment instrument, or account transfer to the relevant recipient. DLD lists electronic ownership and registration outputs. An accepted offer and a registered mortgage remain different records.
:::
::::

The contractual points above come from [DLD Contract F, clauses 6 through 11](https://dubailand.gov.ae/media/0cgkf30t/contact_f_2021_v3-3.pdf); registration requirements come from [DLD sale registration](https://dubailand.gov.ae/en/eservices/property-sale-registration/) and [DLD mortgage registration](https://dubailand.gov.ae/en/eservices/request-for-mortgage-registration/), all verified 16 October 2026. The [full Dubai buying sequence](/insights/how-to-buy-property-dubai) places the mortgage file alongside the sale process.

## What documents and approvals are separate?

The bank's income and credit file, the valuation, the offer and DLD registration each establish different things. A document accepted at one stage does not complete the others.

| Issuer or stage | Named published documents or evidence | Scope |
|---|---|---|
| HSBC AIP | Valid passport, visa and Emirates ID; salary certificate; details of debts | Shared application-page checklist, including resident documents; HSBC must confirm the applicable non-resident identity requirements |
| HSBC full application | Personal bank statement dated within the past 6 months, salary certificate, property ownership documents, proof of down-payment funds, and listed identity documents | The bank says further documents may be requested; full application includes a credit bureau check |
| FAB final application | Mortgage Application Form, Income Proof, Sale and Purchase Agreement, and further items specified by the mortgage specialist | Evidence for the bank's final decision |
| FAB offer stage | Evidence of the difference between loan and purchase price; accepted offer and Mortgage Terms and Conditions | Separate from the earlier eligibility estimate |
| DLD sale registration | Seller/buyer Emirates ID or valid passport for non-resident foreigners; developer e-NOC in freehold areas | Ownership-transfer file |
| DLD mortgage registration through trustee offices | Mortgagee bank letter; three bank-certified mortgage contracts signed by both parties; owner identity, including passport copy for non-resident foreigners; applicable provisional-property e-NOC; legal power of attorney where represented | Mortgage-registration file; the online bank route has its own submission process |

Source: withlida.com, 16 October 2026, from [HSBC How to Apply](https://www.hsbc.ae/mortgages/how-to-apply/), [FAB non-resident application stages](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), [DLD sale registration](https://dubailand.gov.ae/en/eservices/property-sale-registration/) and [DLD mortgage registration](https://dubailand.gov.ae/en/eservices/request-for-mortgage-registration/).

HSBC's shared checklist is not a statement that every overseas applicant must already hold UAE resident identity documents. Its non-resident product page separately permits eligible overseas applicants. Nor does a statement “dated within the past 6 months” establish a requirement for six months of statements. The applicant's written checklist determines the coverage and any additional overseas income, address, business or translation evidence.

The banks' named documents also do not establish a universal requirement for home-country tax returns, a particular foreign credit report or a common salaried/self-employed document pack. Those items remain lender-confirmed requirements for the actual file. Under CBUAE's framework, the assessment must establish reliable income, liabilities and repayment capacity ([CBUAE Article 2](https://rulebook.centralbank.ae/en/entiresection/2856), as of October 2026).

:::aside{title="Keep each approval tied to its issuer"}
The AIP records an initial borrowing assessment. The valuation records the property's assessed value. The final offer records the lender's approved terms and conditions. DLD's outputs record registration. Their dates, expiry conditions and remaining requirements are separate.
:::

## How do fixed and variable terms work?

A fixed-rate period fixes the interest rate for a defined part of the loan, while a variable rate changes according to its contractual reference and reset rules. The fixed period and the full repayment term can therefore be different lengths.

HSBC publishes fixed periods of **1, 2, 3 or 5 years**, followed by a variable rate based on **3-month AED EIBOR plus the HSBC margin**. EIBOR, the Emirates Interbank Offered Rate, is the interbank benchmark referenced by the loan. HSBC's variable product is reviewed every three months; its Key Facts Statement describes quarterly EIBOR updates and a fixed HSBC margin recorded in the loan agreement ([HSBC fixed-rate product](https://www.hsbc.ae/mortgages/products/fixed-rate/), [variable product](https://www.hsbc.ae/mortgages/products/variable-rate-eibor-home-loan/), [Key Facts Statement](https://www.hsbc.ae/content/dam/hsbc/ae/docs/en/loans/kfs-home-loans.pdf), verified 16 October 2026).

The variable-rate calculation in that HSBC description is **applicable EIBOR fixing + contractual margin = lending rate**. The benchmark changes at the specified resets; the margin is the bank's contractual addition. The offer establishes the starting rate, when a fixed period ends, the follow-on calculation and any applicable floor, a contractual minimum rate.

FAB's non-resident page advertises variable EIBOR or MBR options. It does not explain the MBR reference's calculation or reset methodology there. The actual offer and terms must identify that reference, any margin or floor and when changes affect payments. Neither the calculator's annual-interest input nor its down-payment default establishes a non-resident offer ([FAB non-resident product](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), as of October 2026).

The comparison rests on those written mechanics, repayment calculations, insurance and charges, rather than a forecast of future reference rates or a generic market interest band.

::card{href="/insights/dubai-property-registration-fees" title="Dubai property registration fees" description="The separate DLD sale, mortgage, document and service-partner schedules."}

**FAQ, verified 16 October 2026**

::::faq
:::faq-item{q="Can foreigners buy property in Dubai with a mortgage?"}
Yes. HSBC and FAB publish non-resident mortgage products. The lender must accept the applicant and property, and the approved amount follows its assessment within the applicable regulatory framework ([HSBC](https://www.hsbc.ae/mortgages/non-resident/), [FAB](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), as of October 2026).
:::
:::faq-item{q="How does a mortgage work in Dubai for a foreigner?"}
The published bank sequences separate eligibility or AIP, property valuation, full documentation, the final offer, registration and disbursal. The buyer funds the difference between the agreed price and approved loan, plus the charges allocated to them ([HSBC](https://www.hsbc.ae/mortgages/non-resident/), [FAB](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), verified 16 October 2026).
:::
:::faq-item{q="Can I get a mortgage in Dubai if I am not a UAE resident?"}
You can apply through a lender's non-resident route. HSBC requires Premier or Private Bank customer status, or eligibility for an account. FAB describes a consultation to establish eligibility and terms. Application access does not establish final approval ([HSBC](https://www.hsbc.ae/mortgages/non-resident/), [FAB](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), as of October 2026).
:::
:::faq-item{q="How much deposit does a non-resident need for a Dubai mortgage?"}
Purchase equity equals the agreed price minus the bank-approved loan. The hypothetical AED 2,000,000 price and separately assumed AED 1,100,000 loan above produce AED 900,000 equity, before costs. Any Contract F security cheque is governed by the completed contract, rather than a universal deposit percentage ([DLD Contract F, clauses 6 through 8](https://dubailand.gov.ae/media/0cgkf30t/contact_f_2021_v3-3.pdf), verified 16 October 2026).
:::
:::faq-item{q="What are the current interest rates for mortgages in Dubai?"}
The applicable rate comes from a dated offer for the applicant and product. HSBC describes fixed introductory periods followed by EIBOR plus margin; FAB's non-resident product describes variable EIBOR or MBR options. Those descriptions do not establish a single interest-rate band for overseas borrowers ([HSBC](https://www.hsbc.ae/mortgages/products/fixed-rate/), [FAB](https://www.bankfab.com/en-ae/personal/mortgages/mortgage-loan-for-non-uae-residents), as of October 2026).
:::
:::faq-item{q="Can I open a repayment account if I live outside the UAE?"}
HSBC's non-resident mortgage page says it will open an eligible Premier or Global Private Banking account for repayments where the borrower does not already have one. This is a lender-specific mortgage arrangement, subject to account eligibility ([HSBC non-resident mortgage](https://www.hsbc.ae/mortgages/non-resident/), as of October 2026).
:::
:::faq-item{q="What can prevent mortgage approval?"}
The assessment includes reliable income, liabilities, household expenditure, property valuation and the lender's policies. A regulatory maximum or AIP does not establish that these requirements are satisfied ([CBUAE Article 2](https://rulebook.centralbank.ae/en/entiresection/2856), [HSBC AIP explanation](https://www.hsbc.ae/mortgages/how-to-apply/), as of October 2026).
:::
::::

**Change log:** 2026-10-16 · refreshed · Replaced universal lending and interest bands with HSBC/FAB product evidence; corrected CBUAE classifications and the expatriate AED 5 million wording; replaced flat cash-cost assumptions with DLD channel charges, Contract F allocation and a recomputed hypothetical ledger; separated bank documents and approvals; removed relocation and product recommendations; corrected internal links. Sources verified 16 October 2026: HSBC, FAB, CBUAE, DLD and the Federal Tax Authority, linked above.

Subscribe to the withlida market brief for sourced Dubai buying and mortgage updates.

:::callout{variant="info" title="Before you act"}
This guide is general information, not financial, legal, or investment advice. Fees, thresholds, rules and lending terms change; verify the current requirements with the Dubai Land Department (DLD), RERA, your lender or your licensed agent before you commit.
:::