UAE

Dubai First-Time Home Buyers Access 80% Financing Under Central Bank Rules

By 19Network Editorial Team · Jun 9, 2026 · 2 min read

Dubai First-Time Home Buyers Access 80% Financing Under Central Bank Rules

Dubai residents can secure up to 80% property financing under Central Bank rules, as the market shifts from renting to long-term ownership.

Dubai’s residential real estate market remains a primary target for residents seeking to transition from leasing to ownership. Under Central Bank of the UAE (CBUAE) regulations, first-time expatriate buyers are eligible for a maximum Loan-to-Value (LTV) ratio of 80% on properties valued up to AED 5 million. For UAE nationals, this threshold is higher, allowing for up to 85% financing on their initial property purchase. Loan-to-Value Ratios and Thresholds The financing landscape in Dubai is strictly governed by the value of the property and the residency status of the applicant. For expatriates purchasing a first home valued above AED 5 million, the maximum LTV drops to 75%. If a buyer is acquiring a second or subsequent property, the financing cap decreases further to 60%. UAE nationals benefit from slightly more flexible terms, with an 85% LTV for properties under AED 5 million and 70% for properties exceeding that amount. For off-plan properties—units still under construction—the regulations are more stringent across all demographics. Both expatriates and nationals are generally restricted to a maximum of 50% financing, requiring a 50% cash down payment during the construction…