Properties for sale on mortgage in Dubai

Each year the UAE strengthens its position on the global property market remaining an attractive destination for both relocation and investment. A well developed mortgage system plays a major role in this growth. In 2026 buying apartments in Dubai with a mortgage is available to both residents and foreign buyers. For investors it is a way to increase returns. For future residents it is a practical path to owning property in one of the safest countries in the world.

What Property in the UAE Can Be Bought with a Mortgage

Dubai offers all major property types.

• Apartments across different price segments
• Serviced apartments in top hotels
• Penthouses with panoramic city views
• Villas from one to three floors, with private pools or beachfront locations
• Townhouses, duplexes and triplexes

Mortgage terms are assessed individually for each property and buyer.

Benefits of Buying Property in Dubai with a Mortgage

Buying an apartment with a mortgage combines investment logic with financial flexibility. Loan programs from leading UAE banks allow entry into a fast growing market while keeping a large part of your capital free for other goals.

1. No residence visa required. Unlike many property markets Dubai allows buyers to obtain a mortgage without UAE residency.
2. Capital liquidity preserved. A mortgage frees up funds for portfolio diversification, business growth or building a financial safety net.
3. Mortgage payments covered by rental income. Rental returns can fully or partially offset monthly loan payments.
4. Investment in a growing market. Long term price growth in promising areas helps protect and grow capital. In this case buying an apartment in Dubai with a mortgage acts as financial leverage increasing returns on your own capital.
5. Wide range of properties. Mortgage programs are available for everything from compact studios to spacious apartments in premium coastal developments.

For buyers from Moscow and other major cities where mortgage rates are high and choice is limited, Dubai offers a strong alternative with more attractive financing and high income potential.

Mortgage Purchase Terms in Dubai

Borrower and Property Requirements

Borrowers must meet several criteria: age from 21 to 65, confirmed monthly income from AED 15,000 (USD 4,085) and valid insurance. As for the property, only apartments in freehold zones with a clean legal status qualify for a mortgage. The residential complex must be completed or at the final stage of construction.

Financial Terms

Mortgage rates for non residents remain competitive, averaging 4 to 7.5 percent per year. Loan terms range from 5 to 25 years, with a choice between fixed and variable repayment schemes.

Buying Apartments in Dubai with a Mortgage with Golden Bee

Buying property abroad with a mortgage is a multi step process that requires professional handling. Our role is not just to guide the deal, but to secure a safe and profitable investment.

• Property selection and remote viewings. We work directly with leading UAE developers to match properties to your goals and bank requirements.
• Competitive mortgage terms. We provide up to date information on loan programs for non residents and prepare clear rate comparisons.
• Full legal support. We manage the entire process from legal due diligence to deal registration with the land department.

As a result, you acquire a liquid asset on favorable terms. Submit a request for a personal calculation. We will select a property within your budget, compare bank rates and present you a projected return.