While purchasing a property through mortgage finance, the Central Bank of the UAE (CBUAE) regulations stipulate that banks and financial institutions must ensure a minimum buyer contribution<\/p>\n\n\n\n
Question: I have seen advertisements on social media claiming 100% financing for properties in Dubai. Is this legal here? Please advise on the financial requirements before buying a property in Dubai.<\/p>\n\n\n\n
Answer: In the UAE, while purchasing a property through mortgage finance, the Central Bank of the UAE (CBUAE) regulations stipulate that banks and financial institutions must ensure a minimum buyer contribution.<\/p>\n\n\n\n
Article 3 of the UAE Central Bank Regulations on Mortgage Loans (Notice No. 226\/2013) states:<\/p>\n\n\n\n
\u201cThe maximum loan-to-value (LTV) ratios are as follows:<\/p>\n\n\n\n
A. UAE nationals<\/p>\n\n\n\n
\u2022 First House\/Owner Occupier<\/p>\n\n\n\n
Each borrower can only claim one property under this category.<\/p>\n\n\n\n
a. Value of property less than or equal to Dh5 million \u2013 maximum 85 per cent of the value of the property.<\/p>\n\n\n\n
b. Value of property more than Dh5 million \u2013 maximum 75 per cent of the value of the property.<\/p>\n\n\n\n
\u2022 Second and subsequent house or investment property \u2013 65 per cent of the value of the property, regardless of value.<\/p>\n\n\n\n
B. Expatriates<\/p>\n\n\n\n
\u2022 First House\/Owner Occupier<\/p>\n\n\n\n
Each borrower can only claim one property under this category.<\/p>\n\n\n\n
a. Value of property less than Dh5 million \u2013 maximum 80 per cent of the value of the property.<\/p>\n\n\n\n
b. Value of property more than Dh5 million \u2013 maximum 70 per cent of the value of the property.<\/p>\n\n\n\n
\u2022 Second and subsequent house or investment property<\/p>\n\n\n\n
60 per cent of the value of the property, regardless of value.<\/p>\n\n\n\n
C. All categories – Property purchased off-plan<\/p>\n\n\n\n
Given the long-term nature of the development process and the higher level of risk to completion, the maximum LTV for mortgages on property being purchased off-plan is 50 per cent regardless of purpose, value, or category of purchaser. \u201d.<\/p>\n\n\n\n
Therefore, the \u201cclaiming 100 per cent financing for property\u201d offer may not be legally permitted when financing through a bank mortgage, as the buyer\u2019s contribution is mandatory under Central Bank rules.<\/p>\n\n\n\n
However, it may be permissible if a property developer offers a payment plan to potential buyers, where a buyer only pays instalments directly to the developer without a mortgage.<\/p>\n\n\n\n
Such developer financing or easy payment plans are commonly applicable for off-plan sales and are not considered bank loans and may fall outside the aforesaid Central Bank of the UAE mortgage regulations.<\/p>\n\n\n\n
It is, however, important to fully understand the payment schedule and handover terms and whether there are any hidden finance charges levied by the developer.<\/p>\n\n\n\n
In accordance with the aforementioned provision, property developers may offer 100 per cent financing, but potential buyers should exercise due diligence.<\/p>\n\n\n\n
Source: Khaleej Times<\/strong><\/p>\n\n\n\n Published: 22 February<\/strong> 2026<\/strong><\/p>\n\n\n\n <\/p>","protected":false},"excerpt":{"rendered":" While purchasing a property through mortgage finance, the Central Bank of the UAE (CBUAE) regulations stipulate that banks and financial institutions must ensure a minimum buyer contribution Question: I have seen advertisements on social media claiming 100% financing for properties in Dubai. Is this legal here? Please advise on the financial requirements before buying a property […]<\/p>","protected":false},"author":7,"featured_media":38472,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5870,361,6123,6124,6122],"class_list":["post-38466","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-buying-property-in-dubai","tag-dubai-real-estate","tag-mortgage-in-dubai","tag-property-financing-dubai","tag-uae-property-law"],"_links":{"self":[{"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/posts\/38466","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/comments?post=38466"}],"version-history":[{"count":2,"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/posts\/38466\/revisions"}],"predecessor-version":[{"id":38476,"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/posts\/38466\/revisions\/38476"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/media\/38472"}],"wp:attachment":[{"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/media?parent=38466"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/categories?post=38466"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/elite-bricks.com\/es\/wp-json\/wp\/v2\/tags?post=38466"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}