Insights · AXD Real Estate Dubai
UAE Mortgage for Non-Residents — DACH Investor Guide 2026
AXD Insights · DACH Financing Guide · May 2026
Can you get a mortgage in Dubai as a non-resident?
Yes. UAE banks grant mortgages to non-residents in accordance with UAE Central Bank Notice 31/2013 (amended 2022).
Loan-to-Value typically 50–60% for values below AED 5 million, 40–50% above that.
Interest rate 4.99–6.5% p.a., EIBOR-linked, term up to 25 years or age 70.
Most common providers for DACH investors: Emirates NBD, Mashreq, HSBC UAE, ADCB and Standard Chartered.
Terms at a glance
| Parameter | Value (DACH non-resident, 2026) |
|---|---|
| Loan-to-Value (property < AED 5 million) | 50–60% |
| Loan-to-Value (property ≥ AED 5 million) | 40–50% |
| Interest rate (EIBOR + margin) | 4.99–6.5% p.a. |
| Maximum term | 25 years or age 70 (whichever occurs earlier) |
| Mortgage Registration (DLD) | 0.25% of the loan + AED 290 |
| Processing fee | 0.5–1.0% of the loan amount |
Structural consideration for DACH investors
A UAE mortgage complicates the DACH tax treatment: under the Germany–UAE double taxation agreement, interest expenses are allocated to the UAE source, but for the German income tax return the progression proviso (§32b EStG — German Income Tax Act) may apply to the UAE rental income.
We expressly recommend validating every financing decision with an international tax advisor specialising in double taxation agreements — AXD coordinates here, but does not provide tax advice.
Anyone preferring the cash path will find the equity requirements per acquisition path documented separately.
Sources
UAE Central Bank Mortgage Regulation (Notice No. 31/2013, amended 2022)
Emirates NBD — Home Loan for Non-Residents (product sheet 2026)
Mashreq Bank — Non-Resident Mortgage Product Sheet
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