You must be at least 21. The loan must end by age 65 for most expats and 70 for UAE nationals.
- Salaried expat: loan ends by 65 (up to 70 at some banks, with conditions)
- Self-employed expat: 65–70, depending on the bank
- UAE national: 70
Some banks extend expats to 70 if you apply before about 55–58 and meet income or employer conditions.
Example: a 45-year-old expat can get a 20-year mortgage (to age 65), not 25 years. A shorter term means a higher monthly payment, which lowers how much you can borrow.
Related: Maximum mortgage tenure
