وام مسکن برای مغتربین در دبی
به عنوان یک مغترب در امارات، خرید خانه آسانتر از آن چیزی است که فکر میکنید.
80%
Max LTV
3.49% p.a.
Rates from
20+
Banks compared
48 hrs
Pre-approval
شرایط واجد بودن مغتربین
ویزای اقامت معتبر امارات
حداقل حقوق ۱۰,۰۰۰ درهم در ماه
تا ۸۰٪ LTV برای مقیمان
همه ملیتها پذیرفته میشوند
The Complete Expat Mortgage Guide
How much can you borrow as an expat?
The UAE Central Bank caps expat mortgages at 80% LTV for properties up to AED 5 million. This means a minimum 20% down payment plus transfer fees. Banks calculate your maximum loan using a debt burden ratio — total monthly debt repayments cannot exceed 50% of gross monthly salary.
What banks look at
UAE banks assess four main factors: your employer, nationality, income stability, and UAE credit history via the AECB. Government and multinational employees get the best rates. Applying through Loanex means we know which banks actively lend to your profile, saving rejected applications.
The step-by-step process
Step 1: Pre-approval — submit payslips, bank statements, passport, visa, salary certificate. Step 2: Loanex submits to multiple banks and returns comparison offers in 48–72 hrs. Step 3: Select property and apply for final approval. Step 4: Transfer at Dubai Land Department.
سوالات متداول
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