LTV is your loan as a percentage of the property's value. In the UAE, expats can borrow up to 80 percent on a first home under 5 million dirhams.
Formula: LTV = loan ÷ property value × 100. The bank uses the lower of the price and its own valuation.
Example: you agree AED 2,000,000, but the bank values the home at AED 1,900,000. 80% of AED 1.9M = AED 1,520,000 loan, so you pay AED 480,000 down, not AED 400,000.
- Expat first home: 80% (70% over AED 5M)
- UAE national first home: 85% (75% over AED 5M)
- Second home: 60% expat / 65% national
- Off-plan: 50%
Related: Down payment rules · LTV guide
