- Registered UAE mortgage broker
- Trusted by 5000+ clients
- Serving residents & non-residents
Final Payment Mortgage in Abu Dhabi
In need of funding for your property handover? Prime Rate Hub provides buyers with guidance in comparison of final payment mortgage solutions provided by top UAE banks.
Mortgage solutions for developer handover, final payment financing, liquidity planning, and structured property transfer.
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Eligibility
Check Your Eligibility
Prior to making the selection of a property, it is essential to learn about the amount of financing that you qualify for.
Eligibility assessment will provide information about:
Final Payment Mortgage Solutions
Flexible Final Payment Financing Solutions
- Developer Handover Finance: Remaining payment at the time of handover of the property.
- Property Transfer Assistance: Structured assistance from approval to transfer.
- Liquidity Planning: Maintain liquidity by not making the entire final payment in one go.
- Cash Release Option: Cash release option for selected cases depending on valuation.
- Non-Resident Solution: Selected banks will support eligible non-residents.
- Bank Comparison: Comparison of final payment mortgage solutions among several banks.
Mortgage financing is not available for off-plan properties during construction.
How Much Can Expats Borrow
Mortgage financing for expats is regulated by the UAE Central Bank.
for properties below
AED 5 million
80 %
Up to
for properties above
AED 5 million
70 %
Up to
Eligible Properties
Expats can finance:
Off-plan properties are not financed through mortgage.
Requirements for Income and Eligibility
The banks will consider:
- Monthly income from employment
- Nature of job
- The Debt Burden Ratio (not more than 50%)
- The credit record
More monthly income and fewer liabilities increase chances of approval.
Maximum Debt-Burden Ratio
DBR Cap
0%
OF INCOME
Documents Required
Typical documents include
Self-employed applicants require additional financial documents.
Mortgage Process for Expats
The mortgage process typically follows
Mistakes to Avoid
Expats usually face problems because of
Proper planning avoids these issues.
Why Work With Prime Rate Hub
More Options. Better Structure. Smoother Journey
Mortgage brokers help expats compare multiple banks and structure the mortgage correctly
One application. Multiple bank options matched to your profile.
We help structure the right loan based on income, property type, and future plans.
From pre-approval to valuation, final offer, and transfer coordination.
Guidance for handover finance, equity release, buyouts, and complex cases.
Trusted by Property Buyers Across the UAE
Prime Rate Hub has helped property buyers structure final payment financing for handover while preserving liquidity and reducing funding pressure.
A structured approach helps avoid delays and improves approval outcomes.
We work with the top banks in UAE
Questions
Frequently Asked Questions
What is the final payment in property purchase?
Final payment is the balance left after the construction of the property.
Can I take a mortgage on the final payment in Abu Dhabi?
No, banks cannot finance the final payment. The final payment can be financed through a mortgage if the buyer satisfies eligibility criteria. off-plan property during the construction period.
Do banks finance off-plan property during construction?
No. Banks will not finance the off-plan property during the construction period.
How much can I borrow?
That will depend on the property valuation, income, liabilities, and lending policy of the bank.
Will I be able to get more money through the final payment financing?
Yes, in certain cases it is possible.
Can non-residents make an application for final payment mortgage?
Yes, in certain cases.