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 25% deposit of AED 187,500 and a loan of AED 562,500 under CBUAE LTV rules.
- At 3.70% over 25 years, monthly repayments are approximately AED 2,880 on the AED 562,500 expat loan.
- Total upfront cash (deposit plus DLD and bank fees) comes to approximately AED 228,000 to AED 231,000.
For an expat buying a first property at AED 750,000, the CBUAE requires a minimum 25% deposit (AED 187,500) and the maximum loan is 75% of the purchase price (AED 562,500). At 3.70% over 25 years, monthly repayments are approximately AED 2,880. Total upfront cash including the deposit and standard buying costs comes to roughly AED 228,000 to AED 231,000. The bank minimum salary requirement of AED 15,000 per month is the binding threshold at this price point, not the DBR.
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) | 75% | AED 187,500 (25%) | AED 562,500 |
| UAE national (first home) | 80% | AED 150,000 (20%) | AED 600,000 |
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, best rate | AED 562,500 | 3.70% | 25 years | AED 2,880 |
| Expat, best rate | AED 562,500 | 3.70% | 20 years | AED 3,320 |
| Expat, best rate | AED 562,500 | 3.70% | 15 years | AED 4,075 |
| Expat, higher rate | AED 562,500 | 4.25% | 25 years | AED 3,050 |
| UAE national, best rate | AED 600,000 | 3.70% | 25 years | AED 3,070 |
| UAE national, best rate | AED 600,000 | 3.70% | 20 years | AED 3,540 |
Monthly repayments calculated using the standard PMT formula on a reducing-balance mortgage. Best conventional rate in UAE as of June 2026: 3.70%. 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 562,500:
| Cost | Rate | Amount |
|---|---|---|
| Deposit (25%) | 25% of purchase price | AED 187,500 |
| DLD transfer fee | 4% of purchase price | AED 30,000 |
| DLD mortgage registration | 0.25% of loan amount | AED 1,406 |
| Bank arrangement fee | 0.5% to 1% of loan amount | AED 2,813 to AED 5,625 |
| 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 228,419 to AED 231,231 |
DLD transfer fee is 4% in Dubai. Abu Dhabi charges a 2% registration fee instead, which would save AED 15,000 on this transaction. Bank arrangement fee range is indicative; confirm with your lender. 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 minimum salary. Most UAE banks require a minimum gross monthly salary of AED 15,000 for a salaried mortgage applicant. Some lenders accept AED 12,000 for smaller loan amounts.
CBUAE debt burden ratio (DBR). Total monthly debt repayments must not exceed 50% of gross monthly income for expatriates. For an AED 562,500 loan at 3.70%/25yr (monthly payment AED 2,880), the DBR-based minimum salary is only AED 5,760 per month.
At AED 750,000, the bank minimum salary requirement (AED 15,000) is the binding constraint, not the DBR. This means the AED 750K entry point is accessible to a wide range of UAE workers earning above the bank minimum, including many on mid-level professional salaries.
| Gross salary | Monthly payment | DBR used | Headroom for other debts |
|---|---|---|---|
| AED 15,000 | AED 2,880 | 19.2% | AED 4,620/month |
| AED 20,000 | AED 2,880 | 14.4% | AED 7,120/month |
| AED 25,000 | AED 2,880 | 11.5% | AED 9,620/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 562,500 loan at 3.70% over 25 years, total interest paid (the cost of borrowing) is approximately:
- Total payments: AED 2,880 × 300 months = AED 864,000
- Total interest: AED 864,000 minus AED 562,500 principal = AED 301,500
Over 20 years the total interest falls to approximately AED 234,000 (AED 3,320 × 240 = AED 796,800 total, minus AED 562,500 = AED 234,300). Choosing a 20-year term over 25 years saves roughly AED 67,500 in interest but costs an extra AED 440 per month.
Using an Islamic mortgage at AED 750,000
If you prefer a Shariah-compliant mortgage, the profit rate on the best Islamic home finance products in the UAE is 3.25% as of June 2026. On the same AED 562,500 financed amount over 25 years, the monthly payment at 3.25% is approximately AED 2,740, saving AED 140 per month compared with the best conventional rate.
Providers include 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: 75% LTV (25% deposit AED 187,500), loan AED 562,500. Monthly at 3.70%/25yr: AED 2,880. Total upfront cash: ~AED 228,000-231,000. Minimum salary: AED 15,000/month (bank minimum, not DBR-limited at this price). UAE national: 80% LTV (AED 150,000 deposit), AED 600,000 loan, AED 3,070/month at 3.70%/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 25% (AED 187,500). The maximum loan is AED 562,500. UAE nationals need 20% (AED 150,000). You also need to budget roughly AED 40,000 to AED 43,000 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 562,500 at 3.70% over 25 years, monthly repayments are approximately AED 2,880. Over 20 years the payment rises to AED 3,320. UAE nationals borrowing AED 600,000 at 3.70%/25yr pay approximately AED 3,070 per month.
What salary do you need for an AED 750,000 property mortgage in the UAE?
Most UAE banks require a minimum gross monthly salary of AED 15,000. This is the binding constraint at AED 750,000, not the DBR: the monthly payment of AED 2,880 is only 19.2% of a AED 15,000 salary, well below the 50% cap. As long as you earn AED 15,000 per month and have no existing heavy debts, you can qualify.
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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