Ипотека для экспатов в Дубае
Как экспат в ОАЭ, купить собственное жильё проще, чем вы думаете. Мы сравниваем 20+ банков для лучшей ставки.
80%
Max LTV
3.49% p.a.
Rates from
20+
Banks compared
48 hrs
Pre-approval
Критерии для экспатов
Действующая резидентская виза ОАЭ
Минимальная зарплата 10 000 дирхам/мес
LTV до 80% для резидентов
Все национальности
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.
Часто задаваемые вопросы
Получите предложение по ипотеке для экспатов
Поговорите со специалистом. Без обязательств.