{"id":1516,"date":"2018-10-31T13:55:59","date_gmt":"2018-10-31T13:55:59","guid":{"rendered":"https:\/\/www.mortgagefinder.ae\/blog\/?p=1516"},"modified":"2025-08-19T16:36:05","modified_gmt":"2025-08-19T16:36:05","slug":"how-to-fund-your-down-payment-and-get-ready-to-take-out-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.mortgagefinder.ae\/blog\/how-to-fund-your-down-payment-and-get-ready-to-take-out-a-mortgage\/","title":{"rendered":"How Much Deposit Is Required for a Mortgage: UAE Rules Explained"},"content":{"rendered":"

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\"Money<\/p>\n

If you\u2019re planning to buy a home in the UAE, one of the first questions you\u2019ll likely ask is \u201chow much deposit is required for a mortgage?\u201d Understanding this is crucial because your deposit size will determine the type of property you can afford and how much you need to save before applying.<\/p>\n

In the UAE, mortgage deposits are regulated by the Central Bank, and the requirements vary depending on your residency status, the property\u2019s value, and whether it\u2019s your first or second home. In this article, we\u2019ll break down the deposit rules, offer tips for saving faster, and help you plan your purchase confidently.<\/p>\n

What Is a Mortgage Deposit?<\/h2>\n

A mortgage deposit is the upfront payment you make towards your property\u2019s purchase price. In the UAE, banks require a certain percentage of the property\u2019s value to be paid in cash before approving a home loan. This acts as your equity in the property and reduces the lender\u2019s risk.<\/p>\n

For example, if you\u2019re buying a property worth AED 1 million and the bank requires a 20% deposit, you\u2019ll need to pay AED 200,000 upfront, with the remaining AED 800,000 covered by your mortgage.<\/p>\n

UAE Mortgage Deposit Rules for Expats and UAE Nationals<\/h2>\n

The Central Bank of the UAE has set clear guidelines on how much deposit is required for a mortgage based on residency status:<\/p>\n

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\n\n\n\n\n\n\n\n\n
Buyer Type<\/th>\nProperty Value<\/th>\nMinimum Deposit Required<\/th>\nMaximum Loan-to-Value (LTV) Ratio<\/th>\n<\/tr>\n<\/thead>\n
UAE Nationals<\/strong><\/td>\nUp to AED 5 million<\/td>\n15%<\/td>\n85%<\/td>\n<\/tr>\n
UAE Nationals<\/strong><\/td>\nOver AED 5 million<\/td>\n30%<\/td>\n70%<\/td>\n<\/tr>\n
Expats<\/strong><\/td>\nUp to AED 5 million<\/td>\n20%<\/td>\n80%<\/td>\n<\/tr>\n
Expats<\/strong><\/td>\nOver AED 5 million<\/td>\n35%<\/td>\n65%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
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Notes:<\/strong><\/p>\n