{"id":35112,"date":"2021-06-02T17:35:18","date_gmt":"2021-06-02T13:35:18","guid":{"rendered":"https:\/\/www.propertyfinder.ae\/blog\/?p=35112"},"modified":"2026-04-21T18:02:58","modified_gmt":"2026-04-21T14:02:58","slug":"home-loans-in-uae","status":"publish","type":"post","link":"https:\/\/www.propertyfinder.ae\/blog\/home-loans-in-uae\/","title":{"rendered":"All You Need To Know About Home Loans in UAE for Expats"},"content":{"rendered":"<p>Buying a home in the UAE is a big milestone, especially for expats looking to settle down or invest for the long term. While paying the full amount upfront isn&rsquo;t always realistic, home loans make that goal much more achievable.<\/p><p>With a range of mortgage options available from banks across the UAE, expats can finance their purchases in a structured, manageable way. The key is understanding how the system works so you can choose what best suits your situation.<\/p><ul class=\"wp-block-list\">\n<li><strong><a href=\"#h-understanding-home-loans-in-the-uae\">Understanding Home Loans in the UAE&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-eligibility-criteria-for-expats\">Eligibility Criteria for Expats&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-loan-to-value-ltv-amp-down-payment\">Loan-to-Value (LTV) &amp; Down Payment&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-interest-rates-fixed-vs-variable\">Interest Rates: Fixed vs Variable&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-loan-tenor-amp-borrowing-limits\">Loan Tenor &amp; Borrowing Limits&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-how-much-can-you-actually-afford\">How Much Can You Actually Afford?<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-documents-required\">Documents Required&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-step-by-step-application-process\">Step-by-Step Application Process&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-costs-amp-additional-fees\">Costs &amp; Additional Fees&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-common-mistakes-to-avoid-when-taking-a-home-loan\">Common Mistakes to Avoid When Taking a Home Loan<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-regulatory-caps-amp-what-they-mean-for-you\">Regulatory Caps &amp; What They Mean for You<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-first-time-buyer-incentives-amp-special-programmes\">First-Time Buyer Incentives &amp; Special Programmes<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-tips-to-improve-approval-chances\">Tips to Improve Approval Chances&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-key-takeaways\">Key Takeaways&nbsp;<\/a><\/strong><\/li>\n\n\n\n<li><strong><a href=\"#h-faqs\">FAQs<\/a><\/strong><\/li>\n<\/ul><figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1200\" height=\"628\" src=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Hands-of-agent-and-client-shaking-hands-after-signed-contract.webp\" alt=\"Hands of agent and client shaking hands after signed contract\" class=\"wp-image-204906\" srcset=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Hands-of-agent-and-client-shaking-hands-after-signed-contract.webp 1200w, https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Hands-of-agent-and-client-shaking-hands-after-signed-contract-400x209.webp 400w, https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Hands-of-agent-and-client-shaking-hands-after-signed-contract-800x419.webp 800w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure><h2 class=\"wp-block-heading\" id=\"h-understanding-home-loans-in-the-uae\"><strong>Understanding Home Loans in the UAE<\/strong><\/h2><p>A <a href=\"https:\/\/www.propertyfinder.ae\/blog\/home-loans-in-uae\/\" target=\"_blank\">home loan<\/a>, or mortgage, allows you to <a href=\"https:\/\/www.propertyfinder.ae\/blog\/how-to-buy-property-in-dubai\/\" target=\"_blank\">buy a property<\/a> without paying the full price up front. Instead, a bank finances part of the purchase, and you repay it over time through monthly installments with interest.<\/p><p>For many expats, this is the most practical route to <a href=\"https:\/\/www.propertyfinder.ae\/blog\/buying-investment-property\/\" target=\"_blank\">owning property in the UAE<\/a>. As long as you meet the basic requirements, banks are generally open to lending, making homeownership far more accessible than it might seem at first.<\/p><div class=\"wp-block-create-block-pf-shortcodes\"><script>\n    window.tealiumPropertyDict =  {\"84907702\":{\"id\":\"84907702\",\"category_id\":2,\"property_type\":\"Apartment\",\"price\":{\"value\":3000000,\"currency\":\"AED\",\"period\":\"yearly\",\"is_hidden\":false},\"title\":\"Exemplary Bulgari Loft | Full Marina Views\",\"location\":{\"id\":\"17208\",\"full_name\":\"Bulgari Resort & Residences 6, Bulgari Resort & Residences, Jumeirah Bay Island, Jumeirah, Dubai\",\"coordinates\":{\"lat\":25.20964813232422,\"lon\":55.23322296142578},\"slug\":\"jumeirah-jumeirah-bay-island-bulgari-resort-residences-bulgari-resort-residences-6\",\"path\":\"1.66.920.8319.17208\",\"type\":\"TOWER\",\"name\":\"Bulgari Resort & Residences 6\",\"path_name\":\"Dubai, Jumeirah, Jumeirah Bay Island, Bulgari Resort & Residences\"},\"images\":[{\"small\":\"https:\\\/\\\/static.shared.propertyfinder.ae\\\/media\\\/images\\\/listing\\\/3PCTYKXNA34AKTJPA1RSE6CJRM\\\/f7cd189c-2575-485f-a64a-19c025863eb0\\\/416x272.jpg\",\"medium\":\"https:\\\/\\\/static.shared.propertyfinder.ae\\\/media\\\/images\\\/listing\\\/3PCTYKXNA34AKTJPA1RSE6CJRM\\\/f7cd189c-2575-485f-a64a-19c025863eb0\\\/668x452.jpg\",\"classification_label\":\"\"},{\"small\":\"https:\\\/\\\/static.shared.propertyfinder.ae\\\/media\\\/images\\\/listing\\\/3PCTYKXNA34AKTJPA1RSE6CJRM\\\/1468090f-77b7-47e9-a18e-c76da536efcb\\\/416x272.jpg\",\"medium\":\"https:\\\/\\\/static.shared.propertyfinder.ae\\\/media\\\/images\\\/listing\\\/3PCTYKXNA34AKTJPA1RSE6CJRM\\\/1468090f-77b7-47e9-a18e-c76da536efcb\\\/668x452.jpg\",\"classification_label\":\"\"},{\"small\":\"https:\\\/\\\/static.shared.propertyfinder.ae\\\/media\\\/images\\\/listing\\\/3PCTYKXNA34AKTJPA1RSE6CJRM\\\/f1021455-9768-44df-b77b-48cce065493e\\\/416x272.jpg\",\"medium\":\"https:\\\/\\\/static.shared.propertyfinder.ae\\\/media\\\/images\\\/listing\\\/3PCTYKXNA34AKTJPA1RSE6CJRM\\\/f1021455-9768-44df-b77b-48cce065493e\\\/668x452.jpg\",\"classification_label\":\"\"}],\"agent\":{\"id\":\"114574\",\"image\":\"https:\\\/\\\/www.propertyfinder.ae\\\/images\\\/pf_agent\\\/picture\\\/01ebc0e3ad103e2dba3d8b497bf4d81a2a957bb8\\\/desktop\",\"is_super_agent\":true,\"name\":\"Kianoush Darban\",\"user_id\":9235,\"email\":\"kia@drivenproperties.com\",\"languages\":[\"English\",\"Persian\\\/Farsi\"],\"slug\":\"kianoush-darban\"},\"broker\":{\"id\":\"847\",\"logo\":\"https:\\\/\\\/static.shared.propertyfinder.ae\\\/media\\\/images\\\/client_logos\\\/847\\\/bd8aeeb8-64d3-4aed-8137-a0f5eccfb00d\\\/178x98.jpg\",\"name\":\"Driven Properties\",\"address\":\"Office 101, Building Emaar Square - 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\",\"email\":\"abdullah@driven-properties.com\",\"phone\":\"+97142454800\",\"slug\":\"driven-properties-948\"},\"is_verified\":true,\"is_direct_from_developer\":false,\"is_new_construction\":false,\"is_available\":true,\"is_featured\":false,\"is_premium\":true,\"is_new_insert\":true,\"utilities_price_type\":\"notSelected\",\"live_viewing\":null,\"is_community_expert\":false,\"is_cts\":false,\"bedrooms\":\"3\",\"bathrooms\":\"4\",\"size\":{\"value\":2698,\"unit\":\"sqft\"},\"share_url\":\"https:\\\/\\\/www.propertyfinder.ae\\\/en\\\/plp\\\/rent\\\/apartment-for-rent-dubai-jumeirah-jumeirah-bay-island-bulgari-resort-residences-bulgari-resort-residences-3-84898839.html\",\"reference\":\"DPF-R-43656\",\"listed_date\":\"2026-05-04T11:36:45Z\",\"last_refreshed_at\":null,\"contact_options\":[{\"type\":\"email\",\"value\":\"kia@drivenproperties.com\",\"link\":\"mailto:kia@drivenproperties.com\",\"is_did\":false},{\"type\":\"phone\",\"value\":\"+971524960123\",\"link\":\"tel:+971524960123\",\"is_did\":false},{\"type\":\"whatsapp\",\"value\":\"+97145560345\",\"link\":\"https:\\\/\\\/api.whatsapp.com\\\/send?phone=+97145560345&text=Hello%2C%0AI+would+like+to+get+more+information+about+this+property%3A+%0A+%0AReference%3A+DPF-R-43656%0AType%3A+Apartment%0APrice%3A+2%2C500%2C000+AED%2Fyear+%0ALocation%3A+Bulgari+Resort+%2F+Residences+3+%0ALink%3A+https%3A%2F%2Fwww.propertyfinder.ae%2Fto%2F84898839%2Fen+%0A+%0AAny+changes+made+to+this+message+will+result+in+the+enquiry+not+being+sent+to+the+agent.\",\"is_did\":false}],\"images_count\":22,\"amenities\":[\"BW\",\"SE\",\"BA\",\"CP\",\"MR\",\"VW\",\"WC\"],\"completion_status\":\"\",\"furnished\":\"YES\",\"property_type_id\":1,\"has_view_360\":false,\"rsp\":99.18087,\"rss\":99.18087,\"qs\":100,\"is_exclusive\":false,\"is_broker_project_property\":false,\"rera\":\"7121371695\",\"offering_type\":\"Residential for Rent\",\"video_url\":\"\",\"is_smart_ad\":false,\"is_spotlight_listing\":false,\"is_claimed_by_agent\":false,\"is_under_offer_by_competitor\":false,\"listing_level\":\"premium\",\"listing_level_label\":\"premium\",\"location_tree\":[{\"id\":\"1\",\"name\":\"Dubai\",\"type\":\"CITY\",\"slug\":\"dubai\",\"slug_en\":\"dubai\",\"level\":\"0\"},{\"id\":\"66\",\"name\":\"Jumeirah\",\"type\":\"COMMUNITY\",\"slug\":\"jumeirah\",\"slug_en\":\"jumeirah\",\"level\":\"1\"},{\"id\":\"920\",\"name\":\"Jumeirah Bay Island\",\"type\":\"SUBCOMMUNITY\",\"slug\":\"jumeirah-jumeirah-bay-island\",\"slug_en\":\"jumeirah-jumeirah-bay-island\",\"level\":\"2\"},{\"id\":\"8319\",\"name\":\"Bulgari Resort & Residences\",\"type\":\"TOWER\",\"slug\":\"jumeirah-jumeirah-bay-island-bulgari-resort-residences\",\"slug_en\":\"jumeirah-jumeirah-bay-island-bulgari-resort-residences\",\"level\":\"3\"},{\"id\":\"17205\",\"name\":\"Bulgari Resort & Residences 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green spaces and stunning panoramic views of the sea and the Dubai skyline.\\n\\nAsk us about:\\n\\n  * Mortgage Advisory\\n  * Property Management\\n  * Holiday Homes\\n  * Interior Design\\n\\nVisit our offices across Dubai's most popular communities including:\\n\\n  * Business Bay\\n  * Dubai Creek Harbour\\n  * Jumeirah Village Circle\\n  * Dubai Hills Estate\",\"amenity_names\":[\"Built in Wardrobes\",\"Security\",\"Balcony\",\"Covered Parking\",\"Maids Room\",\"View of Water\",\"Walk-in 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The office is a fully fitted corner unit, sits on a mid-level floor, and boasts superb views. The tower has a spacious car park and is just a 3-minute walk from the metro making it a very desirable workspace.\\nStrategically located at the entrance of Jumeirah Lake Towers, specifically within the sub-district of Cluster W, JBC 5 is a commercial tower mainly consisting of offices and shops.\\n\\n\\n\\nPlease call for more information, to arrange a viewing, or to make an offer.\",\"amenity_names\":[\"Covered Parking\"],\"payment_method\":[],\"lead_value\":100,\"details_path\":\"\\\/en\\\/plp\\\/commercial-rent\\\/office-space-for-rent-dubai-jumeirah-lake-towers-jlt-cluster-w-jumeirah-business-centre-5-jbc-5-84907122.html\",\"rank_score\":96.2920150756836,\"bedrooms_value\":null,\"bathrooms_value\":1,\"is_pf_exclusive\":false,\"listing_id\":\"HX511HD7H9A1QMR1FVWM76G9FG\",\"client\":{\"id\":\"10709\",\"logo\":\"https:\\\/\\\/static.shared.propertyfinder.ae\\\/media\\\/images\\\/client_logos\\\/10709\\\/1d3e7935-867b-477d-949a-8ef47f580d2e\\\/178x98.jpg\",\"name\":\"DELARGY REAL 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The island is just 10 minutes from the mainland of Abu Dhabi by car, and is connected to it by a series of bridges and causeways. \\n\\nLIST YOUR PROPERTY WITH US!\\nEmail: marketing@almira.ae\\n\\nAl Mira is a professional real estate company with employees who have 8 years + of experience in the real estate market of the UAE. Our goal is to accommodate all our customers needs in a short period of time and exceed their expectations, providing the best experience in buying a home. We work in areas inside the city and the outskirts and we do both sales and rent focusing more on the sales. 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Villas, Jumeirah Bay Island, Jumeirah.\\n\\nVilla Details:\\n\\n  * 5 bedrooms designed to expand to 7\\n  * 7 bathrooms designed to expand to 8 or 9\\n  * 3 living rooms (1 formal on the ground floor and 2 family\\\/TV)\\n  * Beachfront property with breathtaking sunset views\\n  * Balcony and terraces overlooking the coastline\\n  * Poolside dining area for al fresco entertaining\\n  * Sunken Garden Area for relaxing and immersive seating\\n  * 3 Pergola structures for shaded outdoor lounging\\n  * 4 Private Parking + 2 visitor's\\n  * Plot size: 17,252 Sqft\\n  * BUA: 20,110 Sqft.\\n  * Unfurnished\\n\\nFeatures:\\n\\n  * Freehold\\n  * Full sea and sunset views\\n  * Private gated entry\\n  * Private beach\\n  * Private garden\\n  * Private gym\\n  * Private pool\\n  * Lynx-equipped barbecue area\\n  * Children's play area\\n  * Neighboring Bulgari hotel, restaurant and shops\\n  * Dressing rooms\\n  * Storage rooms\\n  * Laundry room\\n  * Staff quarters\\n  * Central Air conditioning\\n  * Solar heating system\\n  * Smart home automation\\n  * Otis elevator serving all floors\\n  * Dumbwaiter\\n\\nAsk us about:\\n\\n  * Mortgage Advisory\\n  * Property Management\\n  * Holiday Homes\\n  * Interior Design\\n\\nVisit our offices across Dubai's most popular communities including:\\n\\n  * Downtown Dubai\\n  * Business Bay\\n  * Dubai Creek Harbour\\n  * Jumeirah Village Circle\\n  * Dubai Hills Estate\",\"amenity_names\":[\"Balcony\",\"Private Gym\",\"Covered Parking\",\"Maids Room\",\"Study\",\"Private Garden\",\"Private Pool\",\"Walk-in Closet\"],\"payment_method\":[],\"lead_value\":1000,\"details_path\":\"\\\/en\\\/plp\\\/buy\\\/villa-for-sale-dubai-jumeirah-jumeirah-bay-island-jumeirah-bay-island-villas-80254612.html\",\"rank_score\":93.98695373535156,\"bedrooms_value\":5,\"bathrooms_value\":7,\"is_pf_exclusive\":false,\"listing_id\":\"4P23SDCHDH75F5NXJ4SC05FBD4\",\"client\":{\"id\":\"847\",\"logo\":\"https:\\\/\\\/static.shared.propertyfinder.ae\\\/media\\\/images\\\/client_logos\\\/847\\\/bd8aeeb8-64d3-4aed-8137-a0f5eccfb00d\\\/178x98.jpg\",\"name\":\"Driven Properties\",\"address\":\"Office 101, Building Emaar Square - Building 3, Downtown Dubai, Sheikh Mohammed bin Rashid Blvd, Dubai, 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data-plugin-type=\"properties\"\n                    data-project-title=\"Lavish Apt with Marina View | Fully Furnished\"\n                    data-position=\"2\"\n                    data-project-id=\"84898839\"\n                    data-call-href=\"tel:+971524960123\"\n                    data-project-developer-id=\"\"\n                    data-project-developer-name=\"\"\n                    data-broker-id=\"847\"\n                    data-contact-whatsapp=\"+97145560345\"\n                >\n                        <a class='shortcode__lead-cta-phone button--blue' >\n                        Call\n                        <\/a><button class='shortcode__lead-cta-whatsapp button--blue' >\n                            WhatsApp\n                            <\/button>                <\/div>\n           \n            \n        <\/div>\n    <\/li>\n\n    \n    \n    <li class=\"shortcode__property-card-item--secondary\"  style=\"margin-left:0px\">\n        <div data-id=\"shortcode-property-card\"\n        data-locale=\"en\"\n        data-project-id=\"85304860\"\n        data-location-name=\"Garden Homes Frond M, Garden Homes, Palm Jumeirah, Dubai\"\n        data-property-type=\"\"\n        data-bedrooms=\"\"\n        data-category-id=\"1\"><\/div> \n    <a class=\"shortcode__property-card-anchor--secondary\" href=\"https:\/\/www.propertyfinder.ae\/en\/plp\/buy\/villa-for-sale-dubai-palm-jumeirah-garden-homes-garden-homes-frond-m-85304860.html\"><\/a>\n        <div  class=\"shortcode__property-card\">\n            <div class=\"shortcode__property-card__image-container\">\n                <img class='shortcode__property-image' src=https:\/\/static.shared.propertyfinder.ae\/media\/images\/listing\/XFRK9PGNVP77P192NK28W01D4W\/ba229e4e-c81d-4cce-a29d-97fc61133bd4\/668x452.jpg alt='property-image'>                <div class=\"shortcode__property-overlay__tags\">\n                    <div class=\"shortcode__tags\"> \n                    <p class='shortcode__property-tag shortcode__property-tag--verified'> \n        Verified\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--super-agent'> \n        Superagent\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--default'> \n        New\n        <\/p>                    <\/div>\n                    \n                <\/div>  \n                                <div class=\"shortcode__property-overlay__agent\"> \n                    <div class=\"shortcode__agent-avatar\">\n                        <img decoding=\"async\" src=\"https:\/\/www.propertyfinder.ae\/images\/pf_agent\/picture\/38344501eaef0c8ea8fc439e63c0c5b67badb7aa\/desktop\" alt=\"agent image\" >\n\n                        <svg class=\"shortcode__agent--superagent\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <rect width=\"16\" height=\"16\" rx=\"8\" fill=\"#3A307F\"\/>\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8.95478 5.22788L8.20268 3.63227H8.20348C8.12009 3.45591 7.88035 3.45591 7.79777 3.63227L7.04487 5.22788C7.01199 5.29758 6.94865 5.34629 6.87488 5.35721L5.19349 5.61334C5.00827 5.6419 4.9345 5.8804 5.0684 6.01728L6.28475 7.25934C6.33767 7.31393 6.36253 7.39287 6.3497 7.46929L6.06265 9.22278C6.03058 9.41593 6.22461 9.56374 6.39059 9.4722L7.89479 8.64416C7.96053 8.60805 8.03911 8.60805 8.10486 8.64416L9.60906 9.4722C9.77503 9.56374 9.96907 9.41593 9.937 9.22278L9.64995 7.46929C9.63712 7.39203 9.66197 7.31393 9.71489 7.25934L10.9312 6.01728C11.0659 5.8804 10.9914 5.6419 10.8062 5.61334L9.12476 5.35721C9.051 5.34629 8.98765 5.29758 8.95478 5.22788ZM9.80216 11.4994V10.9658C9.80216 10.7692 9.60122 10.6103 9.35315 10.6103H8.68006V9.54297H7.33304V10.6103H6.65994C6.41187 10.6103 6.21094 10.7692 6.21094 10.9658V11.4994H9.80216ZM10.0455 11.5H5.95455C5.70342 11.5 5.5 11.6489 5.5 11.8331V12.5H10.5V11.8331C10.5 11.6489 10.2966 11.5 10.0455 11.5Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                <\/div>  \n                \n            <\/div>\n    \n                <div class=\"shortcode__property-card__details-container\">\n                    <div class= \"shortcode__property-type\">\n                        <p>\n                            Villa                        <\/p>\n                        <p>\n                            Listed 12 hours ago                        <\/p>\n                    <\/div>\n                    <p class=\"shortcode__property-building-price\"> \n                    43,000,000 AED                    <\/p>\n                    <p class= \"shortcode__building-text\"> \n                        Best Priced Brand New Palm Villa | 5 Bed                    <\/p>\n                    <p class=\"shortcode__building-location\">  <span class=\"shortcode__location-icon\">\n                        <svg width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.99999 8.00002C7.10456 8.00002 7.99999 7.10459 7.99999 6.00002C7.99999 4.89545 7.10456 4.00002 5.99999 4.00002C4.89543 4.00002 3.99999 4.89545 3.99999 6.00002C3.99999 7.10459 4.89543 8.00002 5.99999 8.00002ZM6 7.33335C5.26362 7.33335 4.66666 6.7364 4.66666 6.00002C4.66666 5.26364 5.26362 4.66669 6 4.66669C6.73637 4.66669 7.33333 5.26364 7.33333 6.00002C7.33333 6.7364 6.73637 7.33335 6 7.33335ZM2.22876 2.20341C0.145963 4.25238 0.145963 7.57441 2.22876 9.62337L6 13.3334L9.77123 9.62337C11.854 7.57441 11.854 4.25238 9.77123 2.20341C7.68844 0.154446 4.31156 0.154446 2.22876 2.20341ZM2.69629 9.14812C0.879008 7.36036 0.879008 4.46642 2.69629 2.67866C4.51965 0.884918 7.48034 0.884918 9.3037 2.67866C11.121 4.46642 11.121 7.36036 9.3037 9.14812L5.99999 12.3982L2.69629 9.14812Z\" fill=\"#707070\"\/>\n                        <\/svg>\n                        <\/span>\n                        <span class=\"shortcode__location-text\">Garden Homes Frond M, Garden Homes, Palm Jumeirah, Dubai<\/span> <\/p>\n                    <div class= \"shortcode__bedroom-bathroom-container\">\n                        <p class= \"shortcode__bedroom-count\"> \n                            5                        <\/p>\n                        <p class= \"shortcode__bathroom-count\"> \n                        5                        <\/p>\n                        <p class= \"shortcode__area-size\"> \n                            7,328 sqft                        <\/p>\n                    <\/div>\n                   \n                <\/div>\n                <div class=\"shortcode__lead-cta-container divider--top\" data-id=\"properties-lead-buttons\"\n                    data-language=\"en\"\n                    data-contact-options=\"email|phone|whatsapp\"\n                    data-plugin-type=\"properties\"\n                    data-project-title=\"Best Priced Brand New Palm Villa | 5 Bed\"\n                    data-position=\"3\"\n                    data-project-id=\"85304860\"\n                    data-call-href=\"tel:+971506576723\"\n                    data-project-developer-id=\"\"\n                    data-project-developer-name=\"\"\n                    data-broker-id=\"436\"\n                    data-contact-whatsapp=\"+97145560345\"\n                >\n                        <a class='shortcode__lead-cta-phone button--blue' >\n                        Call\n                        <\/a><button class='shortcode__lead-cta-whatsapp button--blue' >\n                            WhatsApp\n                            <\/button>                <\/div>\n           \n            \n        <\/div>\n    <\/li>\n\n    \n    \n    <li class=\"shortcode__property-card-item--secondary\"  style=\"margin-left:0px\">\n        <div data-id=\"shortcode-property-card\"\n        data-locale=\"en\"\n        data-project-id=\"84877393\"\n        data-location-name=\"Belair Damac Hills - By Trump Estates, DAMAC Hills, Dubai\"\n        data-property-type=\"\"\n        data-bedrooms=\"\"\n        data-category-id=\"1\"><\/div> \n    <a class=\"shortcode__property-card-anchor--secondary\" href=\"https:\/\/www.propertyfinder.ae\/en\/plp\/buy\/villa-for-sale-dubai-damac-hills-belair-damac-hills-by-trump-estates-84877393.html\"><\/a>\n        <div  class=\"shortcode__property-card\">\n            <div class=\"shortcode__property-card__image-container\">\n                <img class='shortcode__property-image' src=https:\/\/static.shared.propertyfinder.ae\/media\/images\/listing\/3G8D2N79H16G5Q740MKQSJCG3R\/2cfa1405-68df-4c3e-b155-f0d55b92c3f3\/668x452.jpg alt='property-image'>                <div class=\"shortcode__property-overlay__tags\">\n                    <div class=\"shortcode__tags\"> \n                    <p class='shortcode__property-tag shortcode__property-tag--verified'> \n        Verified\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--super-agent'> \n        Superagent\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--default'> \n        New\n        <\/p>                    <\/div>\n                    \n                <\/div>  \n                                <div class=\"shortcode__property-overlay__agent\"> \n                    <div class=\"shortcode__agent-avatar\">\n                        <img decoding=\"async\" src=\"https:\/\/www.propertyfinder.ae\/images\/pf_agent\/picture\/0ee6848a9e4f7cdcfa8b516729624ee41d10a484\/desktop\" alt=\"agent image\" >\n\n                        <svg class=\"shortcode__agent--superagent\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <rect width=\"16\" height=\"16\" rx=\"8\" fill=\"#3A307F\"\/>\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8.95478 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          <\/div>\n                <\/div>  \n                \n            <\/div>\n    \n                <div class=\"shortcode__property-card__details-container\">\n                    <div class= \"shortcode__property-type\">\n                        <p>\n                            Villa                        <\/p>\n                        <p>\n                            Listed 2 days ago                        <\/p>\n                    <\/div>\n                    <p class=\"shortcode__property-building-price\"> \n                    12,499,998 AED                    <\/p>\n                    <p class= \"shortcode__building-text\"> \n                        V51-T | Brand New | Limited Collection | Golf View                    <\/p>\n                    <p class=\"shortcode__building-location\">  <span class=\"shortcode__location-icon\">\n                        <svg width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.99999 8.00002C7.10456 8.00002 7.99999 7.10459 7.99999 6.00002C7.99999 4.89545 7.10456 4.00002 5.99999 4.00002C4.89543 4.00002 3.99999 4.89545 3.99999 6.00002C3.99999 7.10459 4.89543 8.00002 5.99999 8.00002ZM6 7.33335C5.26362 7.33335 4.66666 6.7364 4.66666 6.00002C4.66666 5.26364 5.26362 4.66669 6 4.66669C6.73637 4.66669 7.33333 5.26364 7.33333 6.00002C7.33333 6.7364 6.73637 7.33335 6 7.33335ZM2.22876 2.20341C0.145963 4.25238 0.145963 7.57441 2.22876 9.62337L6 13.3334L9.77123 9.62337C11.854 7.57441 11.854 4.25238 9.77123 2.20341C7.68844 0.154446 4.31156 0.154446 2.22876 2.20341ZM2.69629 9.14812C0.879008 7.36036 0.879008 4.46642 2.69629 2.67866C4.51965 0.884918 7.48034 0.884918 9.3037 2.67866C11.121 4.46642 11.121 7.36036 9.3037 9.14812L5.99999 12.3982L2.69629 9.14812Z\" fill=\"#707070\"\/>\n                        <\/svg>\n                        <\/span>\n                        <span class=\"shortcode__location-text\">Belair Damac Hills - By Trump Estates, DAMAC Hills, Dubai<\/span> <\/p>\n                    <div class= \"shortcode__bedroom-bathroom-container\">\n                        <p class= \"shortcode__bedroom-count\"> \n                            7                        <\/p>\n                        <p class= \"shortcode__bathroom-count\"> \n                        7+                        <\/p>\n                        <p class= \"shortcode__area-size\"> \n                            5,587 sqft                        <\/p>\n                    <\/div>\n                   \n                <\/div>\n                <div class=\"shortcode__lead-cta-container divider--top\" data-id=\"properties-lead-buttons\"\n                    data-language=\"en\"\n                    data-contact-options=\"email|phone|whatsapp\"\n                    data-plugin-type=\"properties\"\n                    data-project-title=\"V51-T | Brand New | Limited Collection | Golf View\"\n                    data-position=\"4\"\n                    data-project-id=\"84877393\"\n                    data-call-href=\"tel:+971543728357\"\n                    data-project-developer-id=\"\"\n                    data-project-developer-name=\"\"\n                    data-broker-id=\"5829\"\n                    data-contact-whatsapp=\"+97145560345\"\n                >\n                        <a class='shortcode__lead-cta-phone button--blue' >\n                        Call\n                        <\/a><button class='shortcode__lead-cta-whatsapp button--blue' >\n                            WhatsApp\n                            <\/button>                <\/div>\n           \n            \n        <\/div>\n    <\/li>\n\n    \n    \n    <li class=\"shortcode__property-card-item--secondary\"  style=\"margin-left:0px\">\n        <div data-id=\"shortcode-property-card\"\n        data-locale=\"en\"\n        data-project-id=\"84907364\"\n        data-location-name=\"Mazaya Business Avenue BB1, Mazaya Business Avenue, Jumeirah Lake Towers, Dubai\"\n        data-property-type=\"\"\n        data-bedrooms=\"\"\n        data-category-id=\"4\"><\/div> \n    <a class=\"shortcode__property-card-anchor--secondary\" href=\"https:\/\/www.propertyfinder.ae\/en\/plp\/commercial-rent\/office-space-for-rent-dubai-jumeirah-lake-towers-mazaya-business-avenue-mazaya-business-avenue-bb1-84907364.html\"><\/a>\n        <div  class=\"shortcode__property-card\">\n            <div class=\"shortcode__property-card__image-container\">\n                <img class='shortcode__property-image' src=https:\/\/static.shared.propertyfinder.ae\/media\/images\/listing\/B1GFTHA32QH0YKPDZMZC6MH4H8\/96b9913a-3260-4aa6-be86-1ca3b86984e6\/668x452.jpg alt='property-image'>                <div class=\"shortcode__property-overlay__tags\">\n                    <div class=\"shortcode__tags\"> \n                    <p class='shortcode__property-tag shortcode__property-tag--verified'> \n        Verified\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--super-agent'> \n        Superagent\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--default'> \n        New\n        <\/p>                    <\/div>\n                    \n                <\/div>  \n                                <div class=\"shortcode__property-overlay__agent\"> \n                    <div class=\"shortcode__agent-avatar\">\n                        <img decoding=\"async\" src=\"https:\/\/www.propertyfinder.ae\/images\/pf_agent\/picture\/cb80becacc9bf5fdc91e6c731f46527dbe2e1bc1\/desktop\" alt=\"agent image\" >\n\n                        <svg class=\"shortcode__agent--superagent\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <rect width=\"16\" height=\"16\" rx=\"8\" fill=\"#3A307F\"\/>\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8.95478 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          <\/div>\n                <\/div>  \n                \n            <\/div>\n    \n                <div class=\"shortcode__property-card__details-container\">\n                    <div class= \"shortcode__property-type\">\n                        <p>\n                            Office Space                        <\/p>\n                        <p>\n                            Listed 1 day ago                        <\/p>\n                    <\/div>\n                    <p class=\"shortcode__property-building-price\"> \n                    395,000 AED\/year                    <\/p>\n                    <p class= \"shortcode__building-text\"> \n                        DMCC | Turnkey | Fully Furnished                    <\/p>\n                    <p class=\"shortcode__building-location\">  <span class=\"shortcode__location-icon\">\n                        <svg width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.99999 8.00002C7.10456 8.00002 7.99999 7.10459 7.99999 6.00002C7.99999 4.89545 7.10456 4.00002 5.99999 4.00002C4.89543 4.00002 3.99999 4.89545 3.99999 6.00002C3.99999 7.10459 4.89543 8.00002 5.99999 8.00002ZM6 7.33335C5.26362 7.33335 4.66666 6.7364 4.66666 6.00002C4.66666 5.26364 5.26362 4.66669 6 4.66669C6.73637 4.66669 7.33333 5.26364 7.33333 6.00002C7.33333 6.7364 6.73637 7.33335 6 7.33335ZM2.22876 2.20341C0.145963 4.25238 0.145963 7.57441 2.22876 9.62337L6 13.3334L9.77123 9.62337C11.854 7.57441 11.854 4.25238 9.77123 2.20341C7.68844 0.154446 4.31156 0.154446 2.22876 2.20341ZM2.69629 9.14812C0.879008 7.36036 0.879008 4.46642 2.69629 2.67866C4.51965 0.884918 7.48034 0.884918 9.3037 2.67866C11.121 4.46642 11.121 7.36036 9.3037 9.14812L5.99999 12.3982L2.69629 9.14812Z\" fill=\"#707070\"\/>\n                        <\/svg>\n                        <\/span>\n                        <span class=\"shortcode__location-text\">Mazaya Business Avenue BB1, Mazaya Business Avenue, Jumeirah Lake Towers, Dubai<\/span> <\/p>\n                    <div class= \"shortcode__bedroom-bathroom-container\">\n                        <p class= \"shortcode__bedroom-count\"> \n                                                    <\/p>\n                        <p class= \"shortcode__bathroom-count\"> \n                        1                        <\/p>\n                        <p class= \"shortcode__area-size\"> \n                            1,757 sqft                        <\/p>\n                    <\/div>\n                   \n                <\/div>\n                <div class=\"shortcode__lead-cta-container divider--top\" data-id=\"properties-lead-buttons\"\n                    data-language=\"en\"\n                    data-contact-options=\"email|phone|whatsapp\"\n                    data-plugin-type=\"properties\"\n                    data-project-title=\"DMCC | Turnkey | Fully Furnished\"\n                    data-position=\"5\"\n                    data-project-id=\"84907364\"\n                    data-call-href=\"tel:+971551510302\"\n                    data-project-developer-id=\"\"\n                    data-project-developer-name=\"\"\n                    data-broker-id=\"10709\"\n                    data-contact-whatsapp=\"+97145560345\"\n                >\n                        <a class='shortcode__lead-cta-phone button--blue' >\n                        Call\n                        <\/a><button class='shortcode__lead-cta-whatsapp button--blue' >\n                            WhatsApp\n                            <\/button>                <\/div>\n           \n            \n        <\/div>\n    <\/li>\n\n    \n    \n    <li class=\"shortcode__property-card-item--secondary\"  style=\"margin-left:0px\">\n        <div data-id=\"shortcode-property-card\"\n        data-locale=\"en\"\n        data-project-id=\"84907122\"\n        data-location-name=\"Jumeirah Business Centre 5 (JBC 5), JLT Cluster W, Jumeirah Lake Towers, Dubai\"\n        data-property-type=\"\"\n        data-bedrooms=\"\"\n        data-category-id=\"4\"><\/div> \n    <a class=\"shortcode__property-card-anchor--secondary\" href=\"https:\/\/www.propertyfinder.ae\/en\/plp\/commercial-rent\/office-space-for-rent-dubai-jumeirah-lake-towers-jlt-cluster-w-jumeirah-business-centre-5-jbc-5-84907122.html\"><\/a>\n        <div  class=\"shortcode__property-card\">\n            <div class=\"shortcode__property-card__image-container\">\n                <img class='shortcode__property-image' src=https:\/\/static.shared.propertyfinder.ae\/media\/images\/listing\/HX511HD7H9A1QMR1FVWM76G9FG\/940fb365-c9cb-4770-a255-829f2309d77a\/668x452.jpg alt='property-image'>                <div class=\"shortcode__property-overlay__tags\">\n                    <div class=\"shortcode__tags\"> \n                    <p class='shortcode__property-tag shortcode__property-tag--verified'> \n        Verified\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--super-agent'> \n        Superagent\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--default'> \n        New\n        <\/p>                    <\/div>\n                    \n                <\/div>  \n                                <div class=\"shortcode__property-overlay__agent\"> \n                    <div class=\"shortcode__agent-avatar\">\n                        <img decoding=\"async\" src=\"https:\/\/www.propertyfinder.ae\/images\/pf_agent\/picture\/cb80becacc9bf5fdc91e6c731f46527dbe2e1bc1\/desktop\" alt=\"agent image\" >\n\n                        <svg class=\"shortcode__agent--superagent\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <rect width=\"16\" height=\"16\" rx=\"8\" fill=\"#3A307F\"\/>\n                            <path 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fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                <\/div>  \n                \n            <\/div>\n    \n                <div class=\"shortcode__property-card__details-container\">\n                    <div class= \"shortcode__property-type\">\n                        <p>\n                            Office Space                        <\/p>\n                        <p>\n                            Listed 1 day ago                        <\/p>\n                    <\/div>\n                    <p class=\"shortcode__property-building-price\"> \n                    960,750 AED\/year                    <\/p>\n                    <p class= \"shortcode__building-text\"> \n                        High Floor | A Grade Turnkey | DMCC License                    <\/p>\n                    <p class=\"shortcode__building-location\">  <span class=\"shortcode__location-icon\">\n                        <svg width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.99999 8.00002C7.10456 8.00002 7.99999 7.10459 7.99999 6.00002C7.99999 4.89545 7.10456 4.00002 5.99999 4.00002C4.89543 4.00002 3.99999 4.89545 3.99999 6.00002C3.99999 7.10459 4.89543 8.00002 5.99999 8.00002ZM6 7.33335C5.26362 7.33335 4.66666 6.7364 4.66666 6.00002C4.66666 5.26364 5.26362 4.66669 6 4.66669C6.73637 4.66669 7.33333 5.26364 7.33333 6.00002C7.33333 6.7364 6.73637 7.33335 6 7.33335ZM2.22876 2.20341C0.145963 4.25238 0.145963 7.57441 2.22876 9.62337L6 13.3334L9.77123 9.62337C11.854 7.57441 11.854 4.25238 9.77123 2.20341C7.68844 0.154446 4.31156 0.154446 2.22876 2.20341ZM2.69629 9.14812C0.879008 7.36036 0.879008 4.46642 2.69629 2.67866C4.51965 0.884918 7.48034 0.884918 9.3037 2.67866C11.121 4.46642 11.121 7.36036 9.3037 9.14812L5.99999 12.3982L2.69629 9.14812Z\" fill=\"#707070\"\/>\n                        <\/svg>\n                        <\/span>\n                        <span class=\"shortcode__location-text\">Jumeirah Business Centre 5 (JBC 5), JLT Cluster W, Jumeirah Lake Towers, Dubai<\/span> <\/p>\n                    <div class= \"shortcode__bedroom-bathroom-container\">\n                        <p class= \"shortcode__bedroom-count\"> \n                                                    <\/p>\n                        <p class= \"shortcode__bathroom-count\"> \n                        1                        <\/p>\n                        <p class= \"shortcode__area-size\"> \n                            3,089 sqft                        <\/p>\n                    <\/div>\n                   \n                <\/div>\n                <div class=\"shortcode__lead-cta-container divider--top\" data-id=\"properties-lead-buttons\"\n                    data-language=\"en\"\n                    data-contact-options=\"email|phone|whatsapp\"\n                    data-plugin-type=\"properties\"\n                    data-project-title=\"High Floor | A Grade Turnkey | DMCC License\"\n                    data-position=\"6\"\n                    data-project-id=\"84907122\"\n                    data-call-href=\"tel:+971551510302\"\n                    data-project-developer-id=\"\"\n                    data-project-developer-name=\"\"\n                    data-broker-id=\"10709\"\n                    data-contact-whatsapp=\"+97145560345\"\n                >\n                        <a class='shortcode__lead-cta-phone button--blue' >\n                        Call\n                        <\/a><button class='shortcode__lead-cta-whatsapp button--blue' >\n                            WhatsApp\n                            <\/button>                <\/div>\n           \n            \n        <\/div>\n    <\/li>\n\n    \n    \n    <li class=\"shortcode__property-card-item--secondary\"  style=\"margin-left:0px\">\n        <div data-id=\"shortcode-property-card\"\n        data-locale=\"en\"\n        data-project-id=\"84905500\"\n        data-location-name=\"Jumeirah Business Centre 5 (JBC 5), JLT Cluster W, Jumeirah Lake Towers, Dubai\"\n        data-property-type=\"\"\n        data-bedrooms=\"\"\n        data-category-id=\"4\"><\/div> \n    <a class=\"shortcode__property-card-anchor--secondary\" href=\"https:\/\/www.propertyfinder.ae\/en\/plp\/commercial-rent\/office-space-for-rent-dubai-jumeirah-lake-towers-jlt-cluster-w-jumeirah-business-centre-5-jbc-5-84905500.html\"><\/a>\n        <div  class=\"shortcode__property-card\">\n            <div class=\"shortcode__property-card__image-container\">\n                <img class='shortcode__property-image' src=https:\/\/static.shared.propertyfinder.ae\/media\/images\/listing\/94FARTAJGSZWK38VHKYEG9HKMG\/60b64667-8c76-45f4-9859-7bcd686995c3\/668x452.jpg alt='property-image'>                <div class=\"shortcode__property-overlay__tags\">\n                    <div class=\"shortcode__tags\"> \n                    <p class='shortcode__property-tag shortcode__property-tag--verified'> \n        Verified\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--super-agent'> \n        Superagent\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--default'> \n        New\n        <\/p>                    <\/div>\n                    \n                <\/div>  \n                                <div class=\"shortcode__property-overlay__agent\"> \n                    <div class=\"shortcode__agent-avatar\">\n                        <img decoding=\"async\" src=\"https:\/\/www.propertyfinder.ae\/images\/pf_agent\/picture\/cb80becacc9bf5fdc91e6c731f46527dbe2e1bc1\/desktop\" alt=\"agent image\" >\n\n                        <svg class=\"shortcode__agent--superagent\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <rect width=\"16\" height=\"16\" rx=\"8\" fill=\"#3A307F\"\/>\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8.95478 5.22788L8.20268 3.63227H8.20348C8.12009 3.45591 7.88035 3.45591 7.79777 3.63227L7.04487 5.22788C7.01199 5.29758 6.94865 5.34629 6.87488 5.35721L5.19349 5.61334C5.00827 5.6419 4.9345 5.8804 5.0684 6.01728L6.28475 7.25934C6.33767 7.31393 6.36253 7.39287 6.3497 7.46929L6.06265 9.22278C6.03058 9.41593 6.22461 9.56374 6.39059 9.4722L7.89479 8.64416C7.96053 8.60805 8.03911 8.60805 8.10486 8.64416L9.60906 9.4722C9.77503 9.56374 9.96907 9.41593 9.937 9.22278L9.64995 7.46929C9.63712 7.39203 9.66197 7.31393 9.71489 7.25934L10.9312 6.01728C11.0659 5.8804 10.9914 5.6419 10.8062 5.61334L9.12476 5.35721C9.051 5.34629 8.98765 5.29758 8.95478 5.22788ZM9.80216 11.4994V10.9658C9.80216 10.7692 9.60122 10.6103 9.35315 10.6103H8.68006V9.54297H7.33304V10.6103H6.65994C6.41187 10.6103 6.21094 10.7692 6.21094 10.9658V11.4994H9.80216ZM10.0455 11.5H5.95455C5.70342 11.5 5.5 11.6489 5.5 11.8331V12.5H10.5V11.8331C10.5 11.6489 10.2966 11.5 10.0455 11.5Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                <\/div>  \n                \n            <\/div>\n    \n                <div class=\"shortcode__property-card__details-container\">\n                    <div class= \"shortcode__property-type\">\n                        <p>\n                            Office Space                        <\/p>\n                        <p>\n                            Listed 1 day ago                        <\/p>\n                    <\/div>\n                    <p class=\"shortcode__property-building-price\"> \n                    2,000,000 AED\/year                    <\/p>\n                    <p class= \"shortcode__building-text\"> \n                        High Floor | Turnkey A Grade | DMCC License                    <\/p>\n                    <p class=\"shortcode__building-location\">  <span class=\"shortcode__location-icon\">\n                        <svg width=\"12\" height=\"14\" 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                     <\/span>\n                        <span class=\"shortcode__location-text\">Jumeirah Business Centre 5 (JBC 5), JLT Cluster W, Jumeirah Lake Towers, Dubai<\/span> <\/p>\n                    <div class= \"shortcode__bedroom-bathroom-container\">\n                        <p class= \"shortcode__bedroom-count\"> \n                                                    <\/p>\n                        <p class= \"shortcode__bathroom-count\"> \n                        1                        <\/p>\n                        <p class= \"shortcode__area-size\"> \n                            6,178 sqft                        <\/p>\n                    <\/div>\n                   \n                <\/div>\n                <div class=\"shortcode__lead-cta-container divider--top\" data-id=\"properties-lead-buttons\"\n                    data-language=\"en\"\n                    data-contact-options=\"email|phone|whatsapp\"\n                    data-plugin-type=\"properties\"\n                    data-project-title=\"High Floor | Turnkey A Grade | DMCC License\"\n                    data-position=\"7\"\n                    data-project-id=\"84905500\"\n                    data-call-href=\"tel:+971551510302\"\n                    data-project-developer-id=\"\"\n                    data-project-developer-name=\"\"\n                    data-broker-id=\"10709\"\n                    data-contact-whatsapp=\"+97145560345\"\n                >\n                        <a class='shortcode__lead-cta-phone button--blue' >\n                        Call\n                        <\/a><button class='shortcode__lead-cta-whatsapp button--blue' >\n                            WhatsApp\n                            <\/button>                <\/div>\n           \n            \n        <\/div>\n    <\/li>\n\n    \n    \n    <li class=\"shortcode__property-card-item--secondary\"  style=\"margin-left:0px\">\n        <div data-id=\"shortcode-property-card\"\n        data-locale=\"en\"\n        data-project-id=\"82374915\"\n        data-location-name=\"Bulgari Resort & Residences 3, Bulgari Resort & Residences, Jumeirah Bay Island, Jumeirah, Dubai\"\n        data-property-type=\"\"\n        data-bedrooms=\"\"\n        data-category-id=\"1\"><\/div> \n    <a class=\"shortcode__property-card-anchor--secondary\" href=\"https:\/\/www.propertyfinder.ae\/en\/plp\/buy\/apartment-for-sale-dubai-jumeirah-jumeirah-bay-island-bulgari-resort-residences-bulgari-resort-residences-3-82374915.html\"><\/a>\n        <div  class=\"shortcode__property-card\">\n            <div class=\"shortcode__property-card__image-container\">\n                <img class='shortcode__property-image' src=https:\/\/static.shared.propertyfinder.ae\/media\/images\/listing\/VH5CBX1X4T7T83RMMR2FG5BD6C\/9cb9571e-ac1c-4858-8c36-114d946824be\/668x452.jpg alt='property-image'>                <div class=\"shortcode__property-overlay__tags\">\n                    <div class=\"shortcode__tags\"> \n                    <p class='shortcode__property-tag shortcode__property-tag--verified'> \n        Verified\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--super-agent'> \n        Superagent\n        <\/p>                    <\/div>\n                    \n                <\/div>  \n                                <div class=\"shortcode__property-overlay__agent\"> \n                    <div class=\"shortcode__agent-avatar\">\n                        <img decoding=\"async\" src=\"https:\/\/www.propertyfinder.ae\/images\/pf_agent\/picture\/01ebc0e3ad103e2dba3d8b497bf4d81a2a957bb8\/desktop\" alt=\"agent image\" >\n\n                        <svg class=\"shortcode__agent--superagent\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <rect width=\"16\" height=\"16\" rx=\"8\" fill=\"#3A307F\"\/>\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8.95478 5.22788L8.20268 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<\/div>\n                <\/div>  \n                \n            <\/div>\n    \n                <div class=\"shortcode__property-card__details-container\">\n                    <div class= \"shortcode__property-type\">\n                        <p>\n                            Apartment                        <\/p>\n                        <p>\n                            Listed 1 week ago                        <\/p>\n                    <\/div>\n                    <p class=\"shortcode__property-building-price\"> \n                    38,000,000 AED                    <\/p>\n                    <p class= \"shortcode__building-text\"> \n                        Luxurious Unit with Marina View | Partly Furnished                    <\/p>\n                    <p class=\"shortcode__building-location\">  <span class=\"shortcode__location-icon\">\n                        <svg width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.99999 8.00002C7.10456 8.00002 7.99999 7.10459 7.99999 6.00002C7.99999 4.89545 7.10456 4.00002 5.99999 4.00002C4.89543 4.00002 3.99999 4.89545 3.99999 6.00002C3.99999 7.10459 4.89543 8.00002 5.99999 8.00002ZM6 7.33335C5.26362 7.33335 4.66666 6.7364 4.66666 6.00002C4.66666 5.26364 5.26362 4.66669 6 4.66669C6.73637 4.66669 7.33333 5.26364 7.33333 6.00002C7.33333 6.7364 6.73637 7.33335 6 7.33335ZM2.22876 2.20341C0.145963 4.25238 0.145963 7.57441 2.22876 9.62337L6 13.3334L9.77123 9.62337C11.854 7.57441 11.854 4.25238 9.77123 2.20341C7.68844 0.154446 4.31156 0.154446 2.22876 2.20341ZM2.69629 9.14812C0.879008 7.36036 0.879008 4.46642 2.69629 2.67866C4.51965 0.884918 7.48034 0.884918 9.3037 2.67866C11.121 4.46642 11.121 7.36036 9.3037 9.14812L5.99999 12.3982L2.69629 9.14812Z\" fill=\"#707070\"\/>\n                        <\/svg>\n                        <\/span>\n                        <span class=\"shortcode__location-text\">Bulgari Resort & Residences 3, Bulgari Resort & Residences, Jumeirah Bay Island, Jumeirah, Dubai<\/span> <\/p>\n                    <div class= \"shortcode__bedroom-bathroom-container\">\n                        <p class= \"shortcode__bedroom-count\"> \n                            3                        <\/p>\n                        <p class= \"shortcode__bathroom-count\"> \n                        4                        <\/p>\n                        <p class= \"shortcode__area-size\"> \n                            2,698 sqft                        <\/p>\n                    <\/div>\n                   \n                <\/div>\n                <div class=\"shortcode__lead-cta-container divider--top\" data-id=\"properties-lead-buttons\"\n                    data-language=\"en\"\n                    data-contact-options=\"email|phone|whatsapp\"\n                    data-plugin-type=\"properties\"\n                    data-project-title=\"Luxurious Unit with Marina View | Partly Furnished\"\n                    data-position=\"8\"\n                    data-project-id=\"82374915\"\n                    data-call-href=\"tel:+971524960123\"\n                    data-project-developer-id=\"\"\n                    data-project-developer-name=\"\"\n                    data-broker-id=\"847\"\n                    data-contact-whatsapp=\"+97145560345\"\n                >\n                        <a class='shortcode__lead-cta-phone button--blue' >\n                        Call\n                        <\/a><button class='shortcode__lead-cta-whatsapp button--blue' >\n                            WhatsApp\n                            <\/button>                <\/div>\n           \n            \n        <\/div>\n    <\/li>\n\n    \n    \n    <li class=\"shortcode__property-card-item--secondary\"  style=\"margin-left:0px\">\n        <div data-id=\"shortcode-property-card\"\n        data-locale=\"en\"\n        data-project-id=\"84891987\"\n        data-location-name=\"Ramhan Island Villas, Ramhan Island, Abu Dhabi\"\n        data-property-type=\"\"\n        data-bedrooms=\"\"\n        data-category-id=\"1\"><\/div> \n    <a class=\"shortcode__property-card-anchor--secondary\" href=\"https:\/\/www.propertyfinder.ae\/en\/plp\/buy\/villa-for-sale-abu-dhabi-ramhan-island-ramhan-island-villas-84891987.html\"><\/a>\n        <div  class=\"shortcode__property-card\">\n            <div class=\"shortcode__property-card__image-container\">\n                <img class='shortcode__property-image' src=https:\/\/static.shared.propertyfinder.ae\/media\/images\/listing\/PDFSDQZZSJVBAD4W47DWXW03A8\/b325bd25-23a6-4993-b91c-e7e5f9ba235e\/668x452.jpg alt='property-image'>                <div class=\"shortcode__property-overlay__tags\">\n                    <div class=\"shortcode__tags\"> \n                    <p class='shortcode__property-tag shortcode__property-tag--super-agent'> \n        Superagent\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--default'> \n        New\n        <\/p>                    <\/div>\n                    \n                <\/div>  \n                                <div class=\"shortcode__property-overlay__agent\"> \n                    <div class=\"shortcode__agent-avatar\">\n                        <img decoding=\"async\" src=\"https:\/\/www.propertyfinder.ae\/images\/pf_agent\/picture\/764f39e483575590d83b2bc02370a1429eef4a62\/desktop\" alt=\"agent image\" >\n\n                        <svg class=\"shortcode__agent--superagent\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <rect width=\"16\" height=\"16\" rx=\"8\" fill=\"#3A307F\"\/>\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8.95478 5.22788L8.20268 3.63227H8.20348C8.12009 3.45591 7.88035 3.45591 7.79777 3.63227L7.04487 5.22788C7.01199 5.29758 6.94865 5.34629 6.87488 5.35721L5.19349 5.61334C5.00827 5.6419 4.9345 5.8804 5.0684 6.01728L6.28475 7.25934C6.33767 7.31393 6.36253 7.39287 6.3497 7.46929L6.06265 9.22278C6.03058 9.41593 6.22461 9.56374 6.39059 9.4722L7.89479 8.64416C7.96053 8.60805 8.03911 8.60805 8.10486 8.64416L9.60906 9.4722C9.77503 9.56374 9.96907 9.41593 9.937 9.22278L9.64995 7.46929C9.63712 7.39203 9.66197 7.31393 9.71489 7.25934L10.9312 6.01728C11.0659 5.8804 10.9914 5.6419 10.8062 5.61334L9.12476 5.35721C9.051 5.34629 8.98765 5.29758 8.95478 5.22788ZM9.80216 11.4994V10.9658C9.80216 10.7692 9.60122 10.6103 9.35315 10.6103H8.68006V9.54297H7.33304V10.6103H6.65994C6.41187 10.6103 6.21094 10.7692 6.21094 10.9658V11.4994H9.80216ZM10.0455 11.5H5.95455C5.70342 11.5 5.5 11.6489 5.5 11.8331V12.5H10.5V11.8331C10.5 11.6489 10.2966 11.5 10.0455 11.5Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                <\/div>  \n                \n            <\/div>\n    \n                <div class=\"shortcode__property-card__details-container\">\n                    <div class= \"shortcode__property-type\">\n                        <p>\n                            Villa                        <\/p>\n                        <p>\n                            Listed 1 day ago                        <\/p>\n                    <\/div>\n                    <p class=\"shortcode__property-building-price\"> \n                    16,500,000 AED                    <\/p>\n                    <p class= \"shortcode__building-text\"> \n                        Vintage Type | Waterfront | Luxury Living                    <\/p>\n                    <p class=\"shortcode__building-location\">  <span class=\"shortcode__location-icon\">\n                        <svg width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.99999 8.00002C7.10456 8.00002 7.99999 7.10459 7.99999 6.00002C7.99999 4.89545 7.10456 4.00002 5.99999 4.00002C4.89543 4.00002 3.99999 4.89545 3.99999 6.00002C3.99999 7.10459 4.89543 8.00002 5.99999 8.00002ZM6 7.33335C5.26362 7.33335 4.66666 6.7364 4.66666 6.00002C4.66666 5.26364 5.26362 4.66669 6 4.66669C6.73637 4.66669 7.33333 5.26364 7.33333 6.00002C7.33333 6.7364 6.73637 7.33335 6 7.33335ZM2.22876 2.20341C0.145963 4.25238 0.145963 7.57441 2.22876 9.62337L6 13.3334L9.77123 9.62337C11.854 7.57441 11.854 4.25238 9.77123 2.20341C7.68844 0.154446 4.31156 0.154446 2.22876 2.20341ZM2.69629 9.14812C0.879008 7.36036 0.879008 4.46642 2.69629 2.67866C4.51965 0.884918 7.48034 0.884918 9.3037 2.67866C11.121 4.46642 11.121 7.36036 9.3037 9.14812L5.99999 12.3982L2.69629 9.14812Z\" fill=\"#707070\"\/>\n                        <\/svg>\n                        <\/span>\n                        <span class=\"shortcode__location-text\">Ramhan Island Villas, Ramhan Island, Abu Dhabi<\/span> <\/p>\n                    <div class= \"shortcode__bedroom-bathroom-container\">\n                        <p class= \"shortcode__bedroom-count\"> \n                            6                        <\/p>\n                        <p class= \"shortcode__bathroom-count\"> \n                        7+                        <\/p>\n                        <p class= \"shortcode__area-size\"> \n                            8,708 sqft                        <\/p>\n                    <\/div>\n                   \n                <\/div>\n                <div class=\"shortcode__lead-cta-container divider--top\" data-id=\"properties-lead-buttons\"\n                    data-language=\"en\"\n                    data-contact-options=\"email|phone|whatsapp\"\n                    data-plugin-type=\"properties\"\n                    data-project-title=\"Vintage Type | Waterfront | Luxury Living\"\n                    data-position=\"9\"\n                    data-project-id=\"84891987\"\n                    data-call-href=\"tel:+971544493111\"\n                    data-project-developer-id=\"\"\n                    data-project-developer-name=\"\"\n                    data-broker-id=\"4211\"\n                    data-contact-whatsapp=\"+97145560345\"\n                >\n                        <a class='shortcode__lead-cta-phone button--blue' >\n                        Call\n                        <\/a><button class='shortcode__lead-cta-whatsapp button--blue' >\n                            WhatsApp\n                            <\/button>                <\/div>\n           \n            \n        <\/div>\n    <\/li>\n\n    \n    \n    <li class=\"shortcode__property-card-item--secondary\"  style=\"margin-left:0px\">\n        <div data-id=\"shortcode-property-card\"\n        data-locale=\"en\"\n        data-project-id=\"80254612\"\n        data-location-name=\"Jumeirah Bay Island Villas, Jumeirah Bay Island, Jumeirah, Dubai\"\n        data-property-type=\"\"\n        data-bedrooms=\"\"\n        data-category-id=\"1\"><\/div> \n    <a class=\"shortcode__property-card-anchor--secondary\" href=\"https:\/\/www.propertyfinder.ae\/en\/plp\/buy\/villa-for-sale-dubai-jumeirah-jumeirah-bay-island-jumeirah-bay-island-villas-80254612.html\"><\/a>\n        <div  class=\"shortcode__property-card\">\n            <div class=\"shortcode__property-card__image-container\">\n                <img class='shortcode__property-image' src=https:\/\/static.shared.propertyfinder.ae\/media\/images\/listing\/4P23SDCHDH75F5NXJ4SC05FBD4\/fc1b5355-9c73-4cd4-8251-1c053d1885ef\/668x452.jpg alt='property-image'>                <div class=\"shortcode__property-overlay__tags\">\n                    <div class=\"shortcode__tags\"> \n                    <p class='shortcode__property-tag shortcode__property-tag--verified'> \n        Verified\n        <\/p><p class='shortcode__property-tag shortcode__property-tag--super-agent'> \n        Superagent\n        <\/p>                    <\/div>\n                    \n                <\/div>  \n                                <div class=\"shortcode__property-overlay__agent\"> \n                    <div class=\"shortcode__agent-avatar\">\n                        <img decoding=\"async\" src=\"https:\/\/www.propertyfinder.ae\/images\/pf_agent\/picture\/01ebc0e3ad103e2dba3d8b497bf4d81a2a957bb8\/desktop\" alt=\"agent image\" >\n\n                        <svg class=\"shortcode__agent--superagent\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <rect width=\"16\" height=\"16\" rx=\"8\" fill=\"#3A307F\"\/>\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M8.95478 5.22788L8.20268 3.63227H8.20348C8.12009 3.45591 7.88035 3.45591 7.79777 3.63227L7.04487 5.22788C7.01199 5.29758 6.94865 5.34629 6.87488 5.35721L5.19349 5.61334C5.00827 5.6419 4.9345 5.8804 5.0684 6.01728L6.28475 7.25934C6.33767 7.31393 6.36253 7.39287 6.3497 7.46929L6.06265 9.22278C6.03058 9.41593 6.22461 9.56374 6.39059 9.4722L7.89479 8.64416C7.96053 8.60805 8.03911 8.60805 8.10486 8.64416L9.60906 9.4722C9.77503 9.56374 9.96907 9.41593 9.937 9.22278L9.64995 7.46929C9.63712 7.39203 9.66197 7.31393 9.71489 7.25934L10.9312 6.01728C11.0659 5.8804 10.9914 5.6419 10.8062 5.61334L9.12476 5.35721C9.051 5.34629 8.98765 5.29758 8.95478 5.22788ZM9.80216 11.4994V10.9658C9.80216 10.7692 9.60122 10.6103 9.35315 10.6103H8.68006V9.54297H7.33304V10.6103H6.65994C6.41187 10.6103 6.21094 10.7692 6.21094 10.9658V11.4994H9.80216ZM10.0455 11.5H5.95455C5.70342 11.5 5.5 11.6489 5.5 11.8331V12.5H10.5V11.8331C10.5 11.6489 10.2966 11.5 10.0455 11.5Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                <\/div>  \n                \n            <\/div>\n    \n                <div class=\"shortcode__property-card__details-container\">\n                    <div class= \"shortcode__property-type\">\n                        <p>\n                            Villa                        <\/p>\n                        <p>\n                            Listed 2 weeks ago                        <\/p>\n                    <\/div>\n                    <p class=\"shortcode__property-building-price\"> \n                    265,000,000 AED                    <\/p>\n                    <p class= \"shortcode__building-text\"> \n                        Timeless Beachfront Villa | Unparalleled Sea View                    <\/p>\n                    <p class=\"shortcode__building-location\">  <span class=\"shortcode__location-icon\">\n                        <svg width=\"12\" height=\"14\" viewBox=\"0 0 12 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.99999 8.00002C7.10456 8.00002 7.99999 7.10459 7.99999 6.00002C7.99999 4.89545 7.10456 4.00002 5.99999 4.00002C4.89543 4.00002 3.99999 4.89545 3.99999 6.00002C3.99999 7.10459 4.89543 8.00002 5.99999 8.00002ZM6 7.33335C5.26362 7.33335 4.66666 6.7364 4.66666 6.00002C4.66666 5.26364 5.26362 4.66669 6 4.66669C6.73637 4.66669 7.33333 5.26364 7.33333 6.00002C7.33333 6.7364 6.73637 7.33335 6 7.33335ZM2.22876 2.20341C0.145963 4.25238 0.145963 7.57441 2.22876 9.62337L6 13.3334L9.77123 9.62337C11.854 7.57441 11.854 4.25238 9.77123 2.20341C7.68844 0.154446 4.31156 0.154446 2.22876 2.20341ZM2.69629 9.14812C0.879008 7.36036 0.879008 4.46642 2.69629 2.67866C4.51965 0.884918 7.48034 0.884918 9.3037 2.67866C11.121 4.46642 11.121 7.36036 9.3037 9.14812L5.99999 12.3982L2.69629 9.14812Z\" fill=\"#707070\"\/>\n                        <\/svg>\n                        <\/span>\n                        <span class=\"shortcode__location-text\">Jumeirah Bay Island Villas, Jumeirah Bay Island, Jumeirah, Dubai<\/span> <\/p>\n                    <div class= \"shortcode__bedroom-bathroom-container\">\n                        <p class= \"shortcode__bedroom-count\"> \n                            5                        <\/p>\n                        <p class= \"shortcode__bathroom-count\"> \n                        7                        <\/p>\n                        <p class= \"shortcode__area-size\"> \n                            17,252 sqft                        <\/p>\n                    <\/div>\n                   \n                <\/div>\n                <div class=\"shortcode__lead-cta-container divider--top\" data-id=\"properties-lead-buttons\"\n                    data-language=\"en\"\n                    data-contact-options=\"email|phone|whatsapp\"\n                    data-plugin-type=\"properties\"\n                    data-project-title=\"Timeless Beachfront Villa | Unparalleled Sea View\"\n                    data-position=\"10\"\n                    data-project-id=\"80254612\"\n                    data-call-href=\"tel:+971524960123\"\n                    data-project-developer-id=\"\"\n                    data-project-developer-name=\"\"\n                    data-broker-id=\"847\"\n                    data-contact-whatsapp=\"+97145560345\"\n                >\n                        <a class='shortcode__lead-cta-phone button--blue' >\n                        Call\n                        <\/a><button class='shortcode__lead-cta-whatsapp button--blue' >\n                            WhatsApp\n                            <\/button>                <\/div>\n           \n            \n        <\/div>\n    <\/li>\n\n    <\/ul>\n\n<\/div><h2 class=\"wp-block-heading\" id=\"h-eligibility-criteria-for-expats\"><strong>Eligibility Criteria for Expats<\/strong><\/h2><p>Before applying, it helps to understand what banks are actually looking for. While the exact requirements can vary, most lenders follow a similar approach when assessing applications.<\/p><p>Typically, expats need:<\/p><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.propertyfinder.ae\/blog\/types-of-residency-visa-in-uae\/\" target=\"_blank\"><strong>UAE residency<\/strong><\/a>: Residents usually benefit from better terms&nbsp;<\/li>\n\n\n\n<li><strong>Stable income<\/strong>: Around AED 15,000 per month is common, though some flexibility exists&nbsp;<\/li>\n\n\n\n<li><strong>Age requirement<\/strong>: Usually 21 and above, with upper limits depending on the bank&nbsp;<\/li>\n\n\n\n<li><strong>Employment status<\/strong>: Both salaried and self-employed applicants are eligible&nbsp;<\/li>\n\n\n\n<li><strong>Manageable debt levels<\/strong>: Monthly obligations should not exceed roughly half your income&nbsp;<\/li>\n<\/ul><p>Meeting these criteria doesn&rsquo;t just improve your chances of approval; it can also help you secure more favourable rates.<\/p><h2 class=\"wp-block-heading\" id=\"h-loan-to-value-ltv-amp-down-payment\"><strong>Loan-to-Value (LTV) &amp; Down Payment<\/strong><\/h2><p>One of the first things to plan for is your upfront contribution. <a href=\"https:\/\/www.propertyfinder.ae\/blog\/best-bank-in-uae-for-expats\/\" target=\"_blank\">Banks in the UAE<\/a> do not finance the full property value, so buyers need to cover part of the cost themselves.<\/p><p>For expats, this usually means:<\/p><ul class=\"wp-block-list\">\n<li>Around <strong>20% down payment<\/strong> for properties up to AED 5 million&nbsp;<\/li>\n\n\n\n<li>Around <strong>30%<\/strong> for higher-value properties&nbsp;<\/li>\n\n\n\n<li>Higher deposits for second or investment properties&nbsp;<\/li>\n\n\n\n<li>Lower financing (around 50%) for <a href=\"https:\/\/www.propertyfinder.ae\/blog\/buying-off-plan-property-uae-need-know\/\" target=\"_blank\">off-plan properties<\/a>&nbsp;<\/li>\n<\/ul><p>When you include additional fees, most buyers should realistically budget around 25&ndash;30% of the property value upfront.<\/p><h2 class=\"wp-block-heading\" id=\"h-interest-rates-fixed-vs-variable\"><strong>Interest Rates: Fixed vs Variable<\/strong><\/h2><p>Choosing between fixed and variable interest rates is one of the most important parts of the decision.<\/p><p>This choice directly affects how stable your monthly payments will be and how much flexibility you&rsquo;re willing to handle over time. Fixed rates offer predictability, while variable rates move with the market.<\/p><p><strong>Fixed Rate Mortgage<\/strong><\/p><ul class=\"wp-block-list\">\n<li>Interest rate stays the same for a set period&nbsp;<\/li>\n\n\n\n<li>Monthly payments remain predictable&nbsp;<\/li>\n\n\n\n<li>Suitable for those who prefer stability&nbsp;<\/li>\n<\/ul><p><strong>Variable Rate Mortgage<\/strong><\/p><ul class=\"wp-block-list\">\n<li>Linked to EIBOR&nbsp;<\/li>\n\n\n\n<li>Rates can go up or down over time&nbsp;<\/li>\n\n\n\n<li>Better suited for those comfortable with some uncertainty&nbsp;<\/li>\n<\/ul><p>Many expats start with a fixed rate for peace of mind, then move to a variable structure later. In 2026, fixed rates typically range between 4.9% and 5.8%, depending on the bank and loan terms.<\/p><h2 class=\"wp-block-heading\" id=\"h-loan-tenor-amp-borrowing-limits\"><strong>Loan Tenor &amp; Borrowing Limits<\/strong><\/h2><p>Home loans in the UAE are relatively flexible, giving buyers room to choose repayment plans that work for them.<\/p><p>The loan term you select will affect both your monthly payments and the total cost over time. A longer tenure reduces monthly pressure but increases overall interest.<\/p><ul class=\"wp-block-list\">\n<li>Loan terms can go up to 25 years&nbsp;<\/li>\n\n\n\n<li>Banks may lend up to 7 times your annual income&nbsp;<\/li>\n\n\n\n<li>Non-residents often face stricter limits&nbsp;<\/li>\n<\/ul><p>It&rsquo;s less about borrowing the maximum and more about choosing what you can comfortably sustain.<\/p><h2 class=\"wp-block-heading\" id=\"h-how-much-can-you-actually-afford\"><strong>How Much Can You Actually Afford?<\/strong><\/h2><p>Before focusing on how much a bank is willing to lend, it&rsquo;s important to look at what you can realistically afford. Just because you qualify for a certain loan amount doesn&rsquo;t always mean it&rsquo;s the right choice for your financial situation.<\/p><p>Banks typically allow up to 50% of your monthly income to go towards debt repayments, including your mortgage. While this gives you a rough idea of your borrowing capacity, it&rsquo;s worth being more conservative when planning your budget.<\/p><p>You should also factor in additional costs such as service charges, maintenance, insurance, and everyday living expenses. These can have a noticeable impact on your monthly finances, especially in the first few years.<\/p><p>A good approach is to choose a property that allows you to stay financially comfortable, rather than stretching to the maximum limit. This gives you more flexibility in case of unexpected expenses or changes in income.<\/p><h2 class=\"wp-block-heading\" id=\"h-documents-required\"><strong>Documents Required<\/strong><\/h2><p>Getting your paperwork ready early can make a big difference. Most delays happen because something is missing or incomplete. Banks typically ask for similar documents to assess your financial profile.<\/p><p>Having everything prepared in advance not only speeds up the process but also shows lenders that you&rsquo;re organised and financially stable. Even small gaps or inconsistencies in documents can slow things down, so it&rsquo;s worth double-checking everything before submission.<\/p><p><strong>For Salaried Applicants<\/strong><\/p><ul class=\"wp-block-list\">\n<li>Passport, visa, and Emirates ID&nbsp;<\/li>\n\n\n\n<li>Salary certificate or employment letter&nbsp;<\/li>\n\n\n\n<li>Bank statements (3&ndash;6 months)&nbsp;<\/li>\n<\/ul><p><strong>For Self-Employed Applicants<\/strong><\/p><ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.propertyfinder.ae\/blog\/trade-license-dubai\/\" target=\"_blank\">Trade licence<\/a>&nbsp;<\/li>\n\n\n\n<li>Company financial statements&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.propertyfinder.ae\/blog\/memorandum-of-association\/\" target=\"_blank\">Memorandum of Association (MOA)<\/a>&nbsp;<\/li>\n\n\n\n<li>Bank statements&nbsp;<\/li>\n<\/ul><p>You may also need to provide details related to the property itself, such as the sale agreement.<\/p><h2 class=\"wp-block-heading\" id=\"h-step-by-step-application-process\"><strong>Step-by-Step Application Process<\/strong><\/h2><figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1200\" height=\"628\" src=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Home-Loan-Application-Approved.webp\" alt=\"Home Loan Application Approved\" class=\"wp-image-204908\" srcset=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Home-Loan-Application-Approved.webp 1200w, https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Home-Loan-Application-Approved-400x209.webp 400w, https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Home-Loan-Application-Approved-800x419.webp 800w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure><p>The process of applying for a home loan is more straightforward than it might seem. Once you understand the steps, it becomes much easier to navigate.<\/p><p>In many cases, buyers start with a pre-approval to understand their budget before choosing a property. From there, the process moves step by step, with each stage bringing you closer to final approval and ownership.<\/p><ol class=\"wp-block-list\">\n<li>Choose a property that fits your budget&nbsp;<\/li>\n\n\n\n<li>Check how much you can borrow&nbsp;<\/li>\n\n\n\n<li>Compare mortgage options across banks&nbsp;<\/li>\n\n\n\n<li>Submit your application with documents&nbsp;<\/li>\n\n\n\n<li>Receive approval and loan offer&nbsp;<\/li>\n\n\n\n<li>Sign agreements and pay your down payment&nbsp;<\/li>\n\n\n\n<li>Complete the property transfer and begin repayments&nbsp;<\/li>\n<\/ol><p>If everything is in order, the process usually moves quickly.<\/p><h2 class=\"wp-block-heading\" id=\"h-costs-amp-additional-fees\"><strong>Costs &amp; Additional Fees<\/strong><\/h2><p>Beyond the down payment, there are several additional costs to factor in. These are often overlooked at the start, but can add up significantly.<\/p><p>Planning for these expenses early helps you avoid surprises later on and gives you a clearer picture of the total investment required. It&rsquo;s not just about the purchase price, but the full cost of completing the transaction.<\/p><ul class=\"wp-block-list\">\n<li><strong>Dubai Land Department fee:<\/strong> Around 4% of the property value&nbsp;<\/li>\n\n\n\n<li><strong>Mortgage registration fee:<\/strong> About 0.25%&nbsp;<\/li>\n\n\n\n<li><strong>Bank processing fee<\/strong>: Around 0.5%&ndash;1%&nbsp;<\/li>\n\n\n\n<li><strong>Valuation fee: <\/strong>AED 2,000&ndash;3,500&nbsp;<\/li>\n\n\n\n<li><strong>Early settlement<\/strong> <strong>fee<\/strong>: Around 1% (capped)&nbsp;<\/li>\n<\/ul><p>Altogether, these costs can bring your total upfront requirement to around 25&ndash;30% of the property value.<\/p><h2 class=\"wp-block-heading\" id=\"h-common-mistakes-to-avoid-when-taking-a-home-loan\"><strong>Common Mistakes to Avoid When Taking a Home Loan<\/strong><\/h2><p>Taking a home loan is a long-term commitment, and small mistakes early on can have lasting effects. Being aware of common pitfalls can help you make more confident decisions.<\/p><p>Some of the most common mistakes include:<\/p><ul class=\"wp-block-list\">\n<li>Borrowing the maximum amount without considering lifestyle costs&nbsp;<\/li>\n\n\n\n<li>Overlooking additional fees and upfront expenses&nbsp;<\/li>\n\n\n\n<li>Not comparing mortgage options across different banks&nbsp;<\/li>\n\n\n\n<li>Choosing the wrong interest rate structure without understanding the risks&nbsp;<\/li>\n\n\n\n<li>Ignoring the impact of long loan tenures on total interest paid&nbsp;<\/li>\n<\/ul><p>Avoiding these mistakes can make a significant difference, not just in getting approved but in how manageable your mortgage feels over time.<\/p><h2 class=\"wp-block-heading\" id=\"h-regulatory-caps-amp-what-they-mean-for-you\"><strong>Regulatory Caps &amp; What They Mean for You<\/strong><\/h2><p>Home loans in the UAE are regulated to ensure borrowing stays within reasonable limits. While you don&rsquo;t need to get into the technical details, these rules shape how much you can borrow and how your repayments are structured.<\/p><p>The Central Bank of the UAE sets key limits, while banks assess your credit profile through the Al Etihad Credit Bureau.<\/p><p>In simple terms, the stronger your financial profile, the better your chances of approval and the more competitive your loan terms will be.<\/p><h2 class=\"wp-block-heading\" id=\"h-first-time-buyer-incentives-amp-special-programmes\"><strong>First-Time Buyer Incentives &amp; Special Programmes<\/strong><\/h2><figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1200\" height=\"628\" src=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Home-for-Sale-Sign.webp\" alt=\"Home for Sale Sign\" class=\"wp-image-204910\" srcset=\"https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Home-for-Sale-Sign.webp 1200w, https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Home-for-Sale-Sign-400x209.webp 400w, https:\/\/www.propertyfinder.ae\/blog\/wp-content\/uploads\/2021\/06\/Home-for-Sale-Sign-800x419.webp 800w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure><p>If you&rsquo;re buying your first home, there are initiatives designed to make things easier.<\/p><p>Dubai&rsquo;s First-Time Home Buyers Scheme is one example, offering support to residents who don&rsquo;t already own property in the emirate.<\/p><p>For eligible properties, buyers may benefit from reduced fees, cashback, or more flexible loan options, depending on the lender. These programmes can make a noticeable difference, especially when managing upfront costs.<\/p><h2 class=\"wp-block-heading\" id=\"h-tips-to-improve-approval-chances\"><strong>Tips to Improve Approval Chances<\/strong><\/h2><p>Getting approved for a mortgage isn&rsquo;t just about meeting the minimum requirements. Banks look at your overall financial picture, so small improvements can go a long way.<\/p><p>Simple steps like organising your finances, reducing outstanding debts, and maintaining consistent income records can strengthen your application and help you secure better terms.<\/p><ul class=\"wp-block-list\">\n<li>Keep your <a href=\"https:\/\/www.propertyfinder.ae\/blog\/dubai-credit-score\/\" target=\"_blank\">credit score<\/a> strong&nbsp;<\/li>\n\n\n\n<li>Reduce existing debts&nbsp;<\/li>\n\n\n\n<li>Maintain consistent income records&nbsp;<\/li>\n\n\n\n<li>Save for a higher down payment&nbsp;<\/li>\n\n\n\n<li>Compare lenders before committing&nbsp;<\/li>\n<\/ul><p>Even small adjustments can help you secure better terms and lower interest rates.<\/p><h2 class=\"wp-block-heading\" id=\"h-key-takeaways\"><strong>Key Takeaways<\/strong><\/h2><p>Home loans have made it much easier for expats to own property in the UAE. While the process requires planning and upfront costs, it offers a clear path towards long-term stability and investment.<\/p><p>Understanding the basics, from eligibility to costs, helps you make more confident decisions. With the right preparation, the journey from renting to owning can be smoother than expected.<\/p><h2 class=\"wp-block-heading\" id=\"h-faqs\"><strong>FAQs<\/strong><\/h2><div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1729669955693\"><strong class=\"schema-faq-question\"><strong>What is the minimum salary required?<\/strong><\/strong> <p class=\"schema-faq-answer\">Usually around AED 15,000, though some banks may accept less.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1729669970984\"><strong class=\"schema-faq-question\"><strong>How much is the down payment?<\/strong><\/strong> <p class=\"schema-faq-answer\">Typically 20%&ndash;30%, depending on the property.<br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776778880423\"><strong class=\"schema-faq-question\"><strong>Can non-residents apply?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, but with stricter conditions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776778923903\"><strong class=\"schema-faq-question\"><strong>What interest rates can I expect?<\/strong><\/strong> <p class=\"schema-faq-answer\">Around 4.9%&ndash;5.8% for fixed rates in 2026.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776778934544\"><strong class=\"schema-faq-question\"><strong>What extra costs should I budget for?<\/strong><\/strong> <p class=\"schema-faq-answer\">Fees can bring your upfront cost to around 25&ndash;30% of the property value.<\/p> <\/div> <\/div><p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a dream property as an expat is possible with home loans in the UAE. Here is more on it.<\/p>\n","protected":false},"author":30203,"featured_media":120838,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_eb_attr":"","footnotes":""},"categories":[6104,511],"tags":[],"class_list":["post-35112","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buyers-guide","category-the-guide"],"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>Home Loans UAE for Expats (2026): Rates &amp; Process<\/title>\n<meta name=\"description\" content=\"Learn about home loans UAE for expats in 2026. 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