LTV
Loan-to-Value Ratio
LTV: The maximum percentage of a property's value that a UAE bank will lend, set by CBUAE based on buyer type and price.
What is LTV?
The Loan-to-Value Ratio (LTV) is the maximum portion of a property's value that a UAE bank can lend, set by the Central Bank of the UAE (CBUAE). The rules: UAE National, first property under AED 5M = 85% LTV; UAE National, first property over AED 5M = 75%; UAE National, second property = 65%. Expat Resident, first property under AED 5M = 80%; Expat Resident, first property over AED 5M = 70%; Expat Resident, second property = 60%. Non-Resident (foreign buyer) = typically 50–65% (bank-specific, no CBUAE rule). Off-plan property = 50% LTV for all buyer types. The LTV cap is one of two ceilings (alongside DBR) that determines the maximum mortgage approval. Property valuation for LTV purposes is done by a bank-appointed valuer, not the agreed purchase price — sometimes the valuation comes in lower than the price, reducing the effective loan amount.
Example
An expat resident purchasing a first-property AED 2M apartment qualifies for 80% LTV. The maximum mortgage is AED 1.6M; the buyer must contribute the 20% down payment (AED 400,000) plus closing costs (~AED 130,000 in fees).
FAQ — LTV
Can I get higher than 80% LTV in Dubai?+
Only as a UAE national on first property under AED 5M (up to 85%). All other buyer profiles are capped at 80% or lower by CBUAE regulation.
How is "second property" defined for LTV purposes?+
CBUAE counts any property already owned by the applicant (or jointly with anyone else) anywhere in the UAE. A second property in the same emirate or another emirate both count. Properties abroad don't count.
Related terms
Last refreshed: 2026-05-26