The maximum mortgage term in the UAE is 25 years. Your actual term is shorter if you reach the bank's age limit first.
The UAE Central Bank sets the 25-year cap. Banks also require the loan to end by about 65 for expats and 70 for UAE nationals.
- AED 1,200,000 at 4.10% over 25 years: about AED 6,400 a month
- Same loan over 20 years: about AED 7,335 a month
A longer term lowers the monthly payment and helps your eligibility, but you pay more interest overall. Most banks allow yearly part-prepayments (often 15–30% of the balance), so you can take a long term and still clear it faster.
Related: Age limit · Mortgage calculator
