LTV limits for resident expatriates buying their first home in the UAE:

• Properties up to AED 5 million: maximum LTV 80% (20% down payment)

• Properties above AED 5 million: maximum LTV 70% (30% down payment)

For non-resident buyers, the LTV is capped at 60% (40% down payment), regardless of property value. These are Central Bank maximum limits; individual banks may be more conservative.