Questions
Frequently Asked
Can expats get a mortgage in Abu Dhabi?
Yes, expat residents can obtain mortgage financing for ready and completed properties.
Can expats finance off-plan property in Abu Dhabi?
No, banks do not provide mortgage financing for off-plan properties during construction.
What is the minimum down payment for expats?
Typically 20% for properties below AED 5 million and 30% above AED 5 million.
Which properties are eligible for mortgage financing?
Ready properties in approved freehold areas and completed units from developers.
Can expats finance final developer payments?
Yes, subject to property completion, valuation, and bank approval.
How long does mortgage approval take?
Usually 3 to 7 days for pre-approval and 4 to 7 weeks for full process.
What documents are required for expat mortgage?
Identification, income proof, bank statements, and liability details.
Can self-employed expats apply for a mortgage?
Yes, subject to business financials and bank criteria.


