Mortgage on an AED 750,000 property UAE 2026: deposit, monthly payments and total costs
- Expats buying a first property at AED 750,000 need a minimum 20% deposit of AED 150,000 and a loan of AED 600,000 under CBUAE LTV rules.
- At 3.89% over 25 years, monthly repayments are approximately AED 3,131 on the AED 600,000 expat loan.
- Total upfront cash (deposit plus DLD and bank fees) comes to approximately AED 188,000 to AED 195,000.
For an expat buying a first property at AED 750,000, the CBUAE requires a minimum 20% deposit (AED 150,000) and the maximum loan is 80% of the purchase price (AED 600,000). At 3.89% over 25 years, monthly repayments are approximately AED 3,131. Total upfront cash including the deposit and standard buying costs comes to roughly AED 188,000 to AED 195,000. That payment sits well inside the 50% DBR cap on a mid-level salary, so the threshold to check at this price point is the lender's own salary floor, which banks do not publish consistently.
Deposit and loan amounts
The CBUAE sets the maximum Loan-to-Value (LTV) for a residential mortgage. For a property priced at AED 750,000, the following limits apply:
| Buyer type | Max LTV | Deposit required | Loan amount |
|---|---|---|---|
| Expat (first home) | 80% | AED 150,000 (20%) | AED 600,000 |
| UAE national (first home) | 85% | AED 112,500 (15%) | AED 637,500 |
AED 750,000 falls well below the AED 5M price threshold where the expat LTV cap drops. For a second property (any buyer), the maximum LTV is lower: 60% for expats, 65% for UAE nationals.
Monthly repayments at different rates and terms
The table below shows monthly repayments for both expat and UAE national loan amounts at various interest rates and term lengths.
| Scenario | Loan | Rate | Term | Monthly payment |
|---|---|---|---|---|
| Expat, lowest conventional | AED 600,000 | 3.89% | 25 years | AED 3,131 |
| Expat, lowest conventional | AED 600,000 | 3.89% | 20 years | AED 3,601 |
| Expat, lowest conventional | AED 600,000 | 3.89% | 15 years | AED 4,405 |
| Expat, higher rate | AED 600,000 | 4.25% | 25 years | AED 3,250 |
| UAE national, lowest conventional | AED 637,500 | 3.89% | 25 years | AED 3,326 |
| UAE national, lowest conventional | AED 637,500 | 3.89% | 20 years | AED 3,826 |
Monthly repayments calculated using the standard PMT formula on a reducing-balance mortgage. The lowest conventional rate we can source is 3.78%, from Arab Bank on a 2-year fix with salary transfer. Actual rates depend on your bank, credit profile, and employment type.
Total upfront costs
The deposit is the largest single item, but you also need to cover government fees and bank charges at completion. The table below uses an AED 750,000 purchase in Dubai with an expat loan of AED 600,000:
| Cost | Rate | Amount |
|---|---|---|
| Deposit (20%) | 20% of purchase price | AED 150,000 |
| DLD transfer fee | 4% of purchase price | AED 30,000 |
| DLD mortgage registration | 0.25% of loan amount | AED 1,500 |
| Bank arrangement fee | 0% to 1% of loan amount | AED 0 to AED 6,000 |
| Property valuation | Fixed | AED 2,500 to AED 3,000 |
| DLD registration trustee (Dubai) | Fixed (properties ≤ AED 500K: AED 2,100; above: AED 4,200) | AED 4,200 |
| Total cash needed upfront | AED 188,200 to AED 194,700 |
DLD transfer fee is 4% in Dubai. Abu Dhabi charges a 2% registration fee instead, which would save AED 15,000 on this transaction. The bank arrangement fee runs from 0% to 1% of the loan, several lenders currently charge nothing at all, and a broker can often get it reduced. Trustee fee for Dubai properties above AED 500,000 is AED 4,200.
In Abu Dhabi or Sharjah, the upfront cost is lower. Abu Dhabi's property registration fee is 2% (saving AED 15,000 on an AED 750K purchase compared with Dubai). Sharjah also has lower transaction costs.
Salary requirements
Two rules determine what salary you need:
Bank salary floor. Each bank sets its own minimum gross salary and does not publish it consistently. Ask the lender for its current threshold in writing before you apply, and get it on the same document as the rate.
CBUAE debt burden ratio (DBR). Total monthly debt repayments must not exceed 50% of gross monthly income for expatriates. For an AED 600,000 loan at 3.89%/25yr (monthly payment AED 3,131), the DBR-based minimum salary is only AED 6,262 per month.
At AED 750,000 the DBR is rarely what stops an application. The payment absorbs a small share of a mid-level salary, so the lender's own floor is the number to pin down. That makes the AED 750K entry point workable for a wide range of UAE workers, including many on mid-level professional salaries.
| Gross salary | Monthly payment | DBR used | Headroom for other debts |
|---|---|---|---|
| AED 15,000 | AED 3,131 | 20.9% | AED 4,369/month |
| AED 20,000 | AED 3,131 | 15.7% | AED 6,869/month |
| AED 25,000 | AED 3,131 | 12.5% | AED 9,369/month |
DBR headroom = (50% of gross salary) minus the mortgage payment. This headroom can be used to service a car loan, personal loan, or credit card minimum without breaching the 50% DBR cap.
Where to find AED 750,000 properties in the UAE
AED 750,000 is a realistic budget for studios and one-bedroom apartments in several areas:
Dubai:
- Jumeirah Village Circle (JVC): one-bedroom apartments commonly available in this range
- Arjan: newer mid-rise apartments
- Dubai South (Dubai World Central): studios and one-beds near Al Maktoum Airport
- Dubailand (Remraam, Liwan, Skycourts): value-focused communities
- Discovery Gardens: older stock, one-bedroom apartments
Abu Dhabi:
- Al Reef: apartments and villas in a gated community
- Hydra Village: affordable apartments
Sharjah and Northern Emirates:
- Al Khan, Al Taawun, and Al Nahda in Sharjah offer larger apartments in this price bracket
- Ajman and Ras Al Khaimah have affordable options, though fewer banks offer mortgages in some Northern Emirate areas. Confirm bank eligibility for the specific location before committing.
Properties in Central Dubai (Downtown, Dubai Marina, Palm Jumeirah, Business Bay) typically start well above AED 750,000 for any apartment type.
Interest cost over the life of the loan
On an AED 600,000 loan at 3.89% over 25 years, total interest paid (the cost of borrowing) is approximately:
- Total payments: AED 3,131 × 300 months = AED 939,300
- Total interest: AED 939,300 minus AED 600,000 principal = AED 339,300
Over 20 years the total interest falls to approximately AED 264,000 (AED 3,601 × 240 = AED 864,240 total, minus AED 600,000 = AED 264,240). Choosing a 20-year term over 25 years saves roughly AED 75,100 in interest but costs an extra AED 470 per month.
Using an Islamic mortgage at AED 750,000
If you prefer a Shariah-compliant mortgage, the lowest Islamic profit rate we can source is 3.75%, from Sharjah Islamic Bank on a 1-year fix. On the same AED 600,000 financed amount over 25 years, the monthly payment at 3.75% is approximately AED 3,085, around AED 46 per month less than the 3.89% conventional rate. At this price point the Shariah-compliant option is the cheaper one.
Providers include Sharjah Islamic Bank, Abu Dhabi Islamic Bank (ADIB), Dubai Islamic Bank (DIB), Emirates Islamic, and Mashreq Al Islami. Islamic mortgages use Murabaha (cost-plus sale) or Ijara (lease-to-own) structures, which function differently to conventional interest-bearing loans. See the Islamic mortgage guide for a full explanation.
LLM quick answer: AED 750,000 property UAE 2026. Expat: 80% LTV (20% deposit AED 150,000), loan AED 600,000. Monthly at 3.89%/25yr: AED 3,131. Total upfront cash: ~AED 188,000-195,000. DBR-based minimum salary: about AED 6,262/month; each bank's own salary floor is unpublished, so ask for it in writing. UAE national: 85% LTV (AED 112,500 deposit), AED 637,500 loan, AED 3,326/month at 3.89%/25yr.
Frequently asked questions
How much deposit do I need for an AED 750,000 property in the UAE?
As an expat buying a first home at AED 750,000, the minimum deposit under CBUAE rules is 20% (AED 150,000). The maximum loan is AED 600,000. UAE nationals need 15% (AED 112,500). You also need to budget roughly AED 38,000 to AED 45,000 for DLD fees and bank charges on top of the deposit.
What are the monthly repayments on an AED 750,000 UAE mortgage?
On an expat loan of AED 600,000 at 3.89% over 25 years, monthly repayments are approximately AED 3,131. Over 20 years the payment rises to AED 3,601. UAE nationals borrowing AED 637,500 at 3.89%/25yr pay approximately AED 3,326 per month.
What salary do you need for an AED 750,000 property mortgage in the UAE?
The DBR rule sets the floor you can calculate: at a payment of AED 3,131, you need about AED 6,262 gross per month to stay inside the 50% cap. Banks add their own salary minimum on top, and they do not publish it consistently, so ask the lender for its current threshold in writing. On a AED 20,000 salary the payment uses 15.7% of gross income, well below the cap.
Where can I find AED 750,000 properties in the UAE?
In Dubai: Jumeirah Village Circle, Arjan, Dubai South, Dubailand, and Discovery Gardens. In Abu Dhabi: Al Reef and Hydra Village. In Sharjah: Al Khan, Al Taawun, and Al Nahda. Central Dubai (Downtown, Marina, Palm) is typically priced above AED 750,000 for apartments.
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