No. UAE Central Bank rules cap mortgages at 80 percent for expats and 85 percent for UAE nationals, so you always need a down payment.
Banks don't accept a personal loan as your down payment. Legal ways to need less cash:
- Equity release: borrow against a property you already own
- Developer payment plans: spread the cost of an off-plan home
- Developer offers: some cover the 4% DLD fee
Also budget about 7% of the price for fees.
Related: Down payment rules · Equity release
