UAE Central Bank loan-to-value limits. 80 percent LTV for residents, 50-65 percent for non-residents, depending on property value.
The mortgage cap is the maximum percentage of a property's value a bank can finance, set by the UAE Central Bank. The limit is called the Loan-to-Value ratio (LTV). Caps vary by buyer residency, property value, and whether it's a primary or investment property.
For UAE residents, the LTV cap is 80 percent on the first AED 5M of value, dropping to 65 percent on amounts above that. For non-residents, the cap is 50 to 65 percent depending on the bank. Investment property (second home) limits are tighter. Mario works with three UAE-based mortgage brokers who can quote rates from 4.49 to 5.25 percent and have done deals for German, UK, and Italian non-resident buyers.
Mario walks every European investor through these mechanics on the first call. The diligence trail is what separates a clean deal from a regret.