UAE RATES as of 18 Jul 2026
UAE Base Rate 3.65% — 1M EIBOR 3.76% — 3M EIBOR 3.83% — 6M EIBOR 3.81% — 12M EIBOR 4.13% — Emirates NBD from 3.99% First Abu Dhabi Bank from 3.89% ADCB from 4.15% Mashreq from 4.25% HSBC from 3.94% Dubai Islamic Bank from 4.10% Abu Dhabi Islamic Bank from 4.20% RAKBANK from 4.15% Standard Chartered from 3.98% Emirates Islamic from 4.05% Sharjah Islamic Bank from 4.18% Ajman Bank from 4.23% Invest Bank from 4.28% United Arab Bank from 4.25% Arab Bank from 4.21% Commercial Bank of Dubai from 4.03% National Bank of Fujairah from 4.18%
UAE Base Rate 3.65% — 1M EIBOR 3.76% — 3M EIBOR 3.83% — 6M EIBOR 3.81% — 12M EIBOR 4.13% — Emirates NBD from 3.99% First Abu Dhabi Bank from 3.89% ADCB from 4.15% Mashreq from 4.25% HSBC from 3.94% Dubai Islamic Bank from 4.10% Abu Dhabi Islamic Bank from 4.20% RAKBANK from 4.15% Standard Chartered from 3.98% Emirates Islamic from 4.05% Sharjah Islamic Bank from 4.18% Ajman Bank from 4.23% Invest Bank from 4.28% United Arab Bank from 4.25% Arab Bank from 4.21% Commercial Bank of Dubai from 4.03% National Bank of Fujairah from 4.18%
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For Indian & NRI buyers

UAE mortgages for Indian & NRI buyers.

Indian nationals and NRIs are among the largest groups buying property in the UAE — whether as residents in Dubai and Abu Dhabi, or as non-residents investing from India. YOUAE arranges mortgages for both, across every major UAE lender.

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Estimate your payment
Property price
AED
Down payment
%
Down payment (AED)
AED
Loan amount
AED
Interest rate
%
Your age
yrs
Loan tenure
Max 25 yrs for age 35 (loan must end by 70).
Monthly paymentAED 6,501
Loan amount
AED 1,200,000
Total interest
AED 750,257
Total repayable
AED 1,950,257
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If you're a UAE resident

If you live and work in the UAE on a residence visa, you can typically borrow up to 80% of the property value on a first home (75% above AED 5M), on the same terms as any UAE resident.

If you're buying from abroad

If you are based in India, you can still buy and finance UAE property as a non-resident — usually up to 50–75% of the value, with a larger deposit and a slightly different set of documents. Many of our Indian clients buy remotely.

How we help Indians and NRIs

  • Buy as a UAE resident (up to 80% LTV) or as a non-resident from India (typically 50–75%).
  • Remote purchase is possible through a Power of Attorney — you don't have to fly over for every step.
  • Income can often be considered from Indian salary or business, alongside UAE income where relevant.
  • We handle the full process end to end, coordinating with the bank, developer and conveyancer.

Compare lenders & costs

We compare every major UAE bank for your profile — see also our Dubai mortgages guide, the calculators, and the full cost of buying. Whether you're resident or investing from abroad, we manage it end to end.

FAQs — mortgages for Indians and NRIs

Can Indian citizens buy property in Dubai?

Yes. Indian nationals — resident or non-resident — can buy freehold property in Dubai's designated freehold areas and finance it with a UAE mortgage. Residents can access higher loan-to-value than non-residents.

Can NRIs get a mortgage in the UAE from India?

Yes. Non-resident Indians can secure UAE mortgages, typically up to 50–75% of the property value, with a larger deposit and income documentation from India. We specialise in placing these cases.

Do I need to be in the UAE to buy?

Not necessarily. Many Indian buyers complete remotely using a Power of Attorney, with YOUAE coordinating the mortgage, valuation and transfer on their behalf.

Ready to finance your UAE home?

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