Key Points in 15 Seconds
- Use the calculator below to find your exact down payment amount
- Down payment varies by residency: 20% (nationals), 25% (expats), 40% (non-residents)
- Budget additional 7-10% for fees (DLD, agent, processing)
- Higher down payment = lower monthly payments and better rates
Calculate Your Down Payment
Important: Illustrative Calculations Only
*These calculations are illustrative estimates only and do not constitute a loan offer or commitment.
- •Actual interest rates, fees, and terms vary based on your credit profile, employment, and bank policies
- •EMI calculations use illustrative rates (3.89%–4.99%) for estimation purposes only
- •Complete the pre-approval form to get personalized quotes from multiple UAE banks
Quick Reference: Minimum Down Payments
UAE Nationals
20%
First property
Expat Residents
25%
First property
Non-Residents
40%
All properties
Don't Forget Additional Purchase Costs
Your total upfront cost includes more than just the down payment. Here's what to budget:
| Down Payment | 20-40% of property value |
| DLD Registration (Dubai) | 4% of property value |
| Real Estate Agent Fee | 2% of property value |
| Mortgage Processing Fee | Up to 1% of loan |
| Property Valuation | AED 2,500-3,500 |
| Total Upfront Cost | ~30-50% of property value |
Tips for Saving Your Down Payment
Start Early
Set up automatic transfers to a dedicated savings account
Consider High-Yield Savings
Some UAE banks offer higher interest on large deposits
Track Your Progress
Use our calculator to set targets and monitor savings
Get Pre-Approved
Know your exact requirements before you start property hunting
Know Your Numbers?
Now get personalized mortgage quotes from 18+ UAE banks. Compare rates, fees, and terms to find your best deal.
Related Resources
Frequently Asked Questions
How do I calculate my down payment for UAE property?
Does the calculator include other purchase costs?
What if I want to pay more than the minimum down payment?
How accurate is the down payment calculator?
Can I get financing with less than minimum down payment?
This content is not financial advice. Please consult a licensed financial advisor before making borrowing decisions.
LeoCompare may receive referral commissions from partnered financial institutions. This does not influence the information presented.
Reviewed by the LeoCompare Editorial Team – specialists in UAE home financing content.
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