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Finance & Budget

Know Your Number Before You Fall in Love With a Property

Mortgage eligibility, DLD fees, and your real monthly position mapped before you view a single home

Transacted & Advised Capital
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Years of Deep Expertise
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Buying Costs

What You Need to Have Ready

Understand the full cost of buying a home from down payment and closing fees to taxes and monthly payments so you can budget with confidence.

4%

DLD Transfer Fee

Dubai Land Department fee on purchase value

25%

Minimum Down Payment

For expatriate buyers (20% for UAE nationals)

2%

Agent Commission

Typically 2% of the purchase price

6–8%

Total Additional Cost

Beyond purchase price, always budget for this

Note: Typical acquisition costs may include approximately 4% DLD fees along with other registration or financing-related charges. All figures shown are indicative only and subject to change based on current regulations, lender terms, property type, and transaction specifics.

Mortgage Eligibility

For UAE Residents and Non-Residents

We work with trusted mortgage advisory partners and can connect you to the right lender at no cost to you.

Resident Financing

UAE banks lend up to 75% of the property value for expatriate residents.

Non-Resident Options

Non-residents can access financing between 50% to 60% of the property value.

Mortgage Support

Rates range from 3.5% to 5.5%, and we connect you with trusted advisors at no cost.

FREQUENTLY ASKED QUESTIONS

Property Financing in Dubai

Whether you are a resident or overseas buyer, Mineola Real Estate helps you explore the best financing options for purchasing property in Dubai.

Do I need financing to buy property in Dubai?

Not always. Many new developments in Dubai offer flexible payment plans, allowing buyers to purchase without taking a mortgage immediately—or sometimes not at all.

Non-residents can usually borrow up to 50% of the property value, while UAE residents with local income may access higher financing options, subject to bank approval.

Yes, but mortgage availability often depends on the project stage. In most cases, financing becomes available once a significant percentage of construction is completed.

Yes. Sharia-compliant home financing options are available through select UAE banks, offering structures based on profit-sharing instead of traditional interest.

We partner with trusted mortgage and financial advisors who can guide you through financing options, eligibility, and lender selection—making the process easier for you.

Consultation

What You Need to Have Ready

Understand the full cost of buying a home from down payment and closing fees to taxes and monthly payments, so you can budget with confidence.