Plot & Land Loans in UAE
Finance vacant land purchase and construction with flexible payment plans. Build your dream property from the ground up.
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Plot & Land Financing 2025
Flexible LTV
Up to 60% LTV for vacant land purchase in designated areas
Construction Finance
Combined land + construction loans available with phased disbursements
Extended Tenure
Loan periods up to 25 years for land purchase and construction
UAE National Benefits
Higher LTV ratios and preferential rates for Emirati citizens
Plot & Land Loan Options
Land Purchase Only
- LTV: Up to 60% for vacant land in designated areas
- Tenure: 10-25 years depending on borrower profile
- Rates: Competitive rates from 4.25% APR
- Use: Ideal for investment or future construction planning
Land + Construction
- Combined Financing: Single loan for land and construction costs
- Phased Disbursement: Funds released based on construction milestones
- Approved Plans: Municipality-approved building plans required
- Flexibility: Interest-only payments during construction phase available
Apply for Plot & Land Loan
Get competitive quotes for land purchase and construction financing
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Plot & Land Loan Calculator
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
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Related Financing Solutions
Already started building your dream home? Our under-construction property loans provide flexible disbursement schedules tied to construction milestones, with interest-only payment options during the building phase and full mortgage conversion upon completion.
Considering income-generating land use? Explore our commercial property financing for retail developments, office buildings, or warehouses on your plot, offering specialized terms for revenue-producing real estate ventures with higher loan amounts and tailored repayment structures.
If you currently have land financing with another lender, our refinancing solutions can help you secure better interest rates, extend your loan tenure, or release additional equity as your land value appreciates, especially beneficial once construction permits are obtained.
Plot & Land Loan FAQs
Information Sources: UAE Central Bank, Dubai Land Department, LeoCompare Market Analysis