For a first home under AED 5 million, expats need at least 20 percent down and UAE nationals 15 percent. Budget about 7 percent more for fees.
- Expat, first home up to AED 5M: 20% down (80% loan)
- Expat, first home over AED 5M: 30% down (70% loan)
- UAE national, first home up to AED 5M: 15% down (85% loan)
- UAE national, first home over AED 5M: 25% down (75% loan)
- Second or later home: 40% expat / 35% national
- Off-plan property: 50%
- Non-resident: 40–50% (35% for strong profiles)
Fees such as the 4% DLD fee, agent commission, registration and valuation are usually paid in cash on top of the down payment.
Related: Total buying costs
