Looking to buy your dream home in the UAE but not sure how mortgages work as a salaried person? You’re not alone—and you’re definitely in the right place.
Let’s break down everything you need to know, step by step, and in plain English.
A mortgage is simply a loan you take to buy a property—residential or investment. In return, you pay the bank back monthly with interest. Think of it as a long-term rental, except you get to own the house at the end.
In the UAE, banks offer mortgages to salaried people based on their monthly income, job stability, credit profile, and nationality. The bank pays the property seller, and you pay the bank in EMIs (monthly installments) over 15 to 25 years.
You don’t need to pay 100% of the property value
Interest rates are relatively low
You build equity over time
Many banks offer special perks for salaried professionals
Most UAE banks require a monthly salary of AED 8,000 to AED 15,000. The higher your income, the better the mortgage deal.
You should be employed for at least 6 months to 1 year. Some banks may also require your company to be listed with them, but at Compare4Benefit, we help even if your company is not listed.
You need to hold a valid UAE residence visa. If you’re on probation or just moved jobs, you might need to wait until your probation is over.
You must be 21 years or older, and typically not older than 65 at the end of the loan. A credit score above 650 is preferred, though some banks accept lower with conditions.
Don’t worry—we’ll help you organize all these:
Passport & visa copy
Emirates ID
Salary certificate
Bank statements (6 months)
Latest payslips (If variance in salary)
Property documents (MOU, Title Deed) – If Selected
Existing loan/card liabilities
Expats: Must pay 20% down payment for properties under AED 5M, and 30% if it’s above.
UAE Nationals: Just 15% down payment for properties under AED 5M.
Based on your salary and DBR, you can get a loan for up to 80% of the property value.
DBR = Your monthly loan/credit payments ÷ your income. If it’s more than 50%, your mortgage may be declined.
Add up your credit card dues, car loan EMI, personal loan EMI, and the expected mortgage EMI—then divide by your salary. You can calculate your DBR now on DBR Calculator UAE
Banks are strict about DBR. Keeping it below 50% boosts your approval chances and allows higher loan eligibility.
Here’s a quick comparison:
| BANK | RATE OF INTEREST (Starting from) | MINIMUM SALARY | LOAN AMOUNT (MAX) |
|---|---|---|---|
| Standard Chartered Mortgage One | 4.39% (reducing) | 15000 AED | 18 Million AED |
| RAKBANK Home in One | 4.39% (reducing) | 15000 AED | 20 Million AED |
| CBD Mortgage Loan for Expats | 3.99% (reducing) | 15000 AED (Salaried people); 20000 AED (Self-employed) | 10 Million AED |
| Emirates NBD Home Loan for Expats | 3.99% (reducing) | 15000 AED | 15 Million AED |
| Standard Chartered Home Suite | 4.29% (reducing) | 15000 AED | 18 Million AED |
| ADIB Home Finance for Expats | 3.99% | 15000 AED | 15 Million AED |
Compare4Benefit shows rates from 25+ banks—you pick the best!
✅ Easier to budget
❌ Can be higher than market rate over time
✅ Saves more in the long run
❌ EMIs vary based on principal
Ask yourself: “Do I prefer predictability or savings?” We’ll guide you.
Already have a mortgage? You might be overpaying.
It’s switching your mortgage to another bank for better terms.
Lower interest rate
Cashback deals
Flexible tenure
In many cases, zero early settlement fee
We handle the full switch for you—zero paperwork stress.
Talk to a Mortgage Expert
Start by speaking with a professional mortgage advisor (like us at Compare4Benefit) to understand the process, your options, and get clarity on the next steps.
Check Your Eligibility & DBR with the Advisor
Your advisor will check your Debt Burden Ratio (DBR) and salary eligibility with different banks to find the most suitable lender for your profile.
Submit Documents for Pre-Approval
Once the right bank is identified, submit your documents to apply for a pre-approval. This gives you a conditional approval and confirms your borrowing capacity.
Finalize the Property
With pre-approval in hand, you can now confidently start your property search and select the right home or investment.
Sign the MOU with the Seller
Once you’ve selected the property, both you and the seller sign the Memorandum of Understanding (MOU). This outlines the purchase terms and blocks the property for you.
Bank Conducts Property Valuation
The bank will send an approved valuation company to assess the property’s market value, ensuring it aligns with your purchase price.
Final Offer Letter (FOL) is Issued by the Bank
After the valuation is complete and accepted, the bank issues the Final Offer Letter (FOL) for your mortgage.
Client Opens Bank Account & Signs FOL
You will now open a bank account (if not already existing) in the lending bank and sign the Final Offer Letter to proceed.
Bank Prepares Manager’s Cheques for Seller
Once the FOL is signed, the bank processes and prepares the Manager’s Cheques to pay the seller and cover other charges like DLD fees.
Transfer the Property at DLD Trustee Office
On the scheduled date, both parties meet at the Dubai Land Department Trustee Office to complete the ownership transfer. The property is now officially in your name.
Mortgage Loan is Disbursed
After successful transfer, the bank disburses the mortgage loan directly to the seller and your repayment tenure begins.
Processing fee: ~1%
Valuation fee: AED 2,500–3,500
DLD fee: 4% of property price
Trustee fee: AED 4,000–6,000
Mortgage registration: 0.25% of loan
We give you a complete cost sheet upfront—no surprises.
Free WhatsApp support, calls & emails
Compare from 25+ UAE banks
Get exclusive deals with non-listed companies
Pre-approvals within 48 hours
100% free service for salaried clients
We guide you from start to finish.
Ready to take the leap?
👉 Check eligibility
👉 Compare best deals
👉 Book a free consultation at Compare4Benefit.com
Getting a mortgage in the UAE as a salaried client isn’t rocket science—it just needs the right guidance. From understanding DBR to choosing fixed vs reducing rates, we’ve got you covered. With Compare4Benefit by your side, you’ll have your dream home financed in no time—without the headaches.
Most banks require AED 8,000 to AED 15,000 per month.
Yes! We offer non-listed company mortgage options through specific banks.
Initial pre-approval takes 24 to 48 hours. Full approval may take 5–10 working days.
Yes, but it’s trickier than for salaried clients. You’ll need audited financials and tax returns.
You may face late fees and credit score impact. It’s best to inform your bank in advance if there are any issues.
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Looking to buy your dream home in the UAE but not sure how mortgages work as a salaried person? You’re not alone—and you’re definitely in the right place.
Let’s break down everything you need to know, step by step, and in plain English.
A mortgage is simply a loan you take to buy a property—residential or investment. In return, you pay the bank back monthly with interest. Think of it as a long-term rental, except you get to own the house at the end.
In the UAE, banks offer mortgages to salaried people based on their monthly income, job stability, credit profile, and nationality. The bank pays the property seller, and you pay the bank in EMIs (monthly installments) over 15 to 25 years.
You don’t need to pay 100% of the property value
Interest rates are relatively low
You build equity over time
Many banks offer special perks for salaried professionals
Most UAE banks require a monthly salary of AED 8,000 to AED 15,000. The higher your income, the better the mortgage deal.
You should be employed for at least 6 months to 1 year. Some banks may also require your company to be listed with them, but at Compare4Benefit, we help even if your company is not listed.
You need to hold a valid UAE residence visa. If you’re on probation or just moved jobs, you might need to wait until your probation is over.
You must be 21 years or older, and typically not older than 65 at the end of the loan. A credit score above 650 is preferred, though some banks accept lower with conditions.
Don’t worry—we’ll help you organize all these:
Passport & visa copy
Emirates ID
Salary certificate
Bank statements (6 months)
Latest payslips (If variance in salary)
Property documents (MOU, Title Deed) – If Selected
Existing loan/card liabilities
Expats: Must pay 20% down payment for properties under AED 5M, and 30% if it’s above.
UAE Nationals: Just 15% down payment for properties under AED 5M.
Based on your salary and DBR, you can get a loan for up to 80% of the property value.
DBR = Your monthly loan/credit payments ÷ your income. If it’s more than 50%, your mortgage may be declined.
Add up your credit card dues, car loan EMI, personal loan EMI, and the expected mortgage EMI—then divide by your salary. You can calculate your DBR now on DBR Calculator UAE
Banks are strict about DBR. Keeping it below 50% boosts your approval chances and allows higher loan eligibility.
Here’s a quick comparison:
| Bank | Rate | Loan Tenure | Min Salary |
|---|---|---|---|
| ADCB | 3.85% (reducing) | 25 years | AED 10,000 |
| FAB | 3.99% (reducing) | 25 years | AED 8,000 |
| Mashreq | 3.75% (fixed 1 year) | 25 years | AED 15,000 |
Compare4Benefit shows rates from 25+ banks—you pick the best!
✅ Easier to budget
❌ Can be higher than market rate over time
✅ Saves more in the long run
❌ EMIs vary based on principal
Ask yourself: “Do I prefer predictability or savings?” We’ll guide you.
Already have a mortgage? You might be overpaying.
It’s switching your mortgage to another bank for better terms.
Lower interest rate
Cashback deals
Flexible tenure
In many cases, zero early settlement fee
We handle the full switch for you—zero paperwork stress.
Talk to a Mortgage Expert
Start by speaking with a professional mortgage advisor (like us at Compare4Benefit) to understand the process, your options, and get clarity on the next steps.
Check Your Eligibility & DBR with the Advisor
Your advisor will check your Debt Burden Ratio (DBR) and salary eligibility with different banks to find the most suitable lender for your profile.
Submit Documents for Pre-Approval
Once the right bank is identified, submit your documents to apply for a pre-approval. This gives you a conditional approval and confirms your borrowing capacity.
Finalize the Property
With pre-approval in hand, you can now confidently start your property search and select the right home or investment.
Sign the MOU with the Seller
Once you’ve selected the property, both you and the seller sign the Memorandum of Understanding (MOU). This outlines the purchase terms and blocks the property for you.
Bank Conducts Property Valuation
The bank will send an approved valuation company to assess the property’s market value, ensuring it aligns with your purchase price.
Final Offer Letter (FOL) is Issued by the Bank
After the valuation is complete and accepted, the bank issues the Final Offer Letter (FOL) for your mortgage.
Client Opens Bank Account & Signs FOL
You will now open a bank account (if not already existing) in the lending bank and sign the Final Offer Letter to proceed.
Bank Prepares Manager’s Cheques for Seller
Once the FOL is signed, the bank processes and prepares the Manager’s Cheques to pay the seller and cover other charges like DLD fees.
Transfer the Property at DLD Trustee Office
On the scheduled date, both parties meet at the Dubai Land Department Trustee Office to complete the ownership transfer. The property is now officially in your name.
Mortgage Loan is Disbursed
After successful transfer, the bank disburses the mortgage loan directly to the seller and your repayment tenure begins.
Processing fee: ~1%
Valuation fee: AED 2,500–3,500
DLD fee: 4% of property price
Trustee fee: AED 4,000–6,000
Mortgage registration: 0.25% of loan
We give you a complete cost sheet upfront—no surprises.
Free WhatsApp support, calls & emails
Compare from 25+ UAE banks
Get exclusive deals with non-listed companies
Pre-approvals within 48 hours
100% free service for salaried clients
We guide you from start to finish.
Ready to take the leap?
👉 Check eligibility
👉 Compare best deals
👉 Book a free consultation at Compare4Benefit.com
Getting a mortgage in the UAE as a salaried client isn’t rocket science—it just needs the right guidance. From understanding DBR to choosing fixed vs reducing rates, we’ve got you covered. With Compare4Benefit by your side, you’ll have your dream home financed in no time—without the headaches.
Most banks require AED 8,000 to AED 15,000 per month.
Yes! We offer non-listed company mortgage options through specific banks.
Initial pre-approval takes 24 to 48 hours. Full approval may take 5–10 working days.
Yes, but it’s trickier than for salaried clients. You’ll need audited financials and tax returns.
You may face late fees and credit score impact. It’s best to inform your bank in advance if there are any issues.
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Outbound Link Suggestions:
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