{"id":16956,"date":"2018-01-31T12:48:28","date_gmt":"2018-01-31T08:48:28","guid":{"rendered":"https:\/\/www.propertyfinder.ae\/blog\/?p=16956"},"modified":"2024-07-22T17:32:10","modified_gmt":"2024-07-22T13:32:10","slug":"outlook-on-lending","status":"publish","type":"post","link":"https:\/\/www.propertyfinder.ae\/blog\/outlook-on-lending\/","title":{"rendered":"Outlook on lending"},"content":{"rendered":"<p><strong>This article was originally published in Propertyfinder Trends 2017, Vol 3<\/strong>\nThe anticipated interest rate hike has yet to come to fruition and banks are remaining competitive with very marginal increases in rates.\n\n<\/p><figure class=\"wp-block-image\"><a href=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2018\/01\/outlookonlending-brendanKennelly.jpg\" target=\"_blank\"><img decoding=\"async\" width=\"782\" height=\"526\" src=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2018\/01\/outlookonlending-brendanKennelly.jpg\" alt=\"Property Finder Trends\" class=\"wp-image-16957\" srcset=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2018\/01\/outlookonlending-brendanKennelly.jpg 782w, https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2018\/01\/outlookonlending-brendanKennelly-400x269.jpg 400w\" sizes=\"(max-width: 782px) 100vw, 782px\" \/><\/a><\/figure><p><strong>What does this mean for prospective buyers?<\/strong>\n\nThe common theme has been for banks to reduce competitive two or three-year rates to a one or two year fixed rate which then goes on to a higher reversion rate. This is how the vast majority of banks structure their mortgage products, or alternatively, they offer a variable rate linked to EIBOR from the outset. There is also a unique &lsquo;fixed payment&rsquo; mortgage which should not be confused with a fixed rate, these payments remain the same for the mortgage term but the underlying rate is variable.\n\nThree-month EIBOR continues to rise and has increased by over 130 per cent since January 2015, currently standing at approx. 1.56 per cent. The upward trend is expected to continue throughout this year and next. Generally, we are recommending clients to avail of a fixed rate as this gives comfort in knowing what their payments will be during that period, regardless of what happens to EIBOR. Once the fixed rate comes to an end, a new fixed rate can be negotiated in line with the bank&rsquo;s current offers. With an EIBOR tracker the mortgage payments will increase in line with EIBOR, which isn&rsquo;t attractive whilst rates are on the rise.\n\nEnd-users make up the majority of our transactions. A familiar story is clients coming to Dubai with a three-year plan and finding themselves in year four with hundreds\nof thousands of dirhams sunk into rental payments. They plan to stay for at least another three years (probably more) and don&rsquo;t want to spend any more on rent. The affordability of villas and the increase in property stock has made the dream of owning a property more of a reality. They use what savings and investments they have to buy a property.\n\nThere are also a lot of investors, both resident and non-resident in the UAE, leveraging unencumbered property assets to make further property purchases by using mortgage financing. These are straightforward to arrange and can result in clients going from owning one property and generating rental income, to two properties, and making a healthy return on investment.\n\n<a class=\"wpil_keyword_link\" href=\"https:\/\/www.propertyfinder.ae\/en\/new-projects\" target=\"_blank\" title=\"Off-plan\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"10\">Off-plan<\/a> financing is still restrictive, given the policy that a maximum of 50 per cent financing is available, which also depends on certain schemes and developments being listed with the banks. But where there are payment plans of 25 per cent payable under construction and 75 per cent at completion, we are assisting clients in making the nal payment to the developer by way of a mortgage. Similarly, when clients pay the full property value during construction, cash can be released back to those clients to use as they wish.\n\nAlthough the market is relatively at, there are changes in policy that would help increase transactions. For example, relaxation of the Central Bank regulation of a minimum down payment of 25 per cent for properties under AED 5 million and 35 per cent for properties over AED 5 million, a reduced level of 20 per cent or 30 per cent respectively, would certainly help people realise their dream of owning a property in the UAE.\n\nSmall amendments like this would go a long way to reigniting the market. This change would not create a boom and bust as has previously been seen, but could gradually increase buying activity.\n\n<a href=\"https:\/\/s3-ap-southeast-1.amazonaws.com\/pf-documents\/pf-trends-report\/propertyfinder-trends-vol-3-december-2017\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\"><i>Click here<\/i><\/a><i> to read the full report online (Adobe Flash required) or <\/i><a href=\"https:\/\/s3-ap-southeast-1.amazonaws.com\/pf-documents\/pf-trends-report\/propertyfinder-trends-vol-3-december-2017.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><i>click here<\/i><\/a><i> to download the PDF. To request a printed copy, drop us a line at <\/i><a href=\"mailto:marketing@propertyfinder.ae\" target=\"_blank\" rel=\"noopener noreferrer\"><i>marketing@propertyfinder.ae<\/i><\/a><\/p><figure class=\"wp-block-image alignleft\"><img decoding=\"async\" width=\"285\" height=\"297\" src=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2018\/01\/Screen-Shot-2018-01-31-at-12.42.06-PM.png\" alt=\"Brendan Kennelly Senior Mortgage Consultant.\" class=\"wp-image-16958\" srcset=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2018\/01\/Screen-Shot-2018-01-31-at-12.42.06-PM.png 285w, https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2018\/01\/Screen-Shot-2018-01-31-at-12.42.06-PM-192x200.png 192w\" sizes=\"(max-width: 285px) 100vw, 285px\" \/><\/figure><p><a href=\"https:\/\/www.linkedin.com\/in\/brendan-kennelly-60074529\/\" target=\"_blank\" rel=\"noopener noreferrer\">Brendan Kennelly<\/a>\n\nSenior Mortgage Consultant, <a href=\"https:\/\/www.mortgagefinder.ae\/\" target=\"_blank\" rel=\"noopener noreferrer\">Mortgagefinder.ae<\/a><\/p><div class=\"page\" title=\"Page 48\">\n<div class=\"layoutArea\">\n<div class=\"column\">&nbsp;<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>This article was originally published in Propertyfinder Trends 2017, Vol 3 The anticipated interest rate hike has yet to come to fruition and banks are remaining competitive with very marginal increases in rates. What does this mean for prospective buyers? The common theme has been for banks to reduce competitive two or three-year rates to&#8230;<\/p>\n","protected":false},"author":30179,"featured_media":16957,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","footnotes":""},"categories":[1231],"tags":[],"class_list":["post-16956","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inside-propertyfinder"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.0 (Yoast SEO v22.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Outlook on lending - Property Finder Blog UAE<\/title>\n<meta name=\"description\" content=\"This article was originally published in Propertyfinder Trends 2017, Vol 3 The anticipated interest rate hike has yet to come to fruition and banks are\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Outlook on lending\" \/>\n<meta property=\"og:description\" content=\"This article was originally published in Propertyfinder Trends 2017, Vol 3 The anticipated interest rate hike has yet to come to fruition and banks are\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertyfinder.ae\/blog\/outlook-on-lending\/\" \/>\n<meta property=\"og:site_name\" content=\"Property Finder Blog UAE\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/propertyfinderuae\" \/>\n<meta property=\"article:published_time\" content=\"2018-01-31T08:48:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-22T13:32:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2018\/01\/outlookonlending-brendanKennelly.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"782\" \/>\n\t<meta property=\"og:image:height\" content=\"526\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"pfA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@propertyfinder\" \/>\n<meta name=\"twitter:site\" content=\"@propertyfinder\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"pfA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.propertyfinder.ae\/blog\/outlook-on-lending\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.propertyfinder.ae\/blog\/outlook-on-lending\/\"},\"author\":{\"name\":\"pfA\",\"@id\":\"https:\/\/www.propertyfinder.ae\/blog\/#\/schema\/person\/e277761e9ceafbb93d3647f87e9ae028\"},\"headline\":\"Outlook on lending\",\"datePublished\":\"2018-01-31T08:48:28+00:00\",\"dateModified\":\"2024-07-22T13:32:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.propertyfinder.ae\/blog\/outlook-on-lending\/\"},\"wordCount\":614,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.propertyfinder.ae\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.propertyfinder.ae\/blog\/outlook-on-lending\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2018\/01\/outlookonlending-brendanKennelly.jpg\",\"articleSection\":[\"Inside PF\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.propertyfinder.ae\/blog\/outlook-on-lending\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.propertyfinder.ae\/blog\/outlook-on-lending\/\",\"url\":\"https:\/\/www.propertyfinder.ae\/blog\/outlook-on-lending\/\",\"name\":\"Outlook on lending - 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