Loan to value

Also called: LTV, mortgage cap

Loan to value is the share of a property's value covered by a mortgage, with the rest paid as a deposit, and UAE lending rules cap it by buyer type and price.

A 75% loan to value means the buyer funds 25% from their own money, plus the transaction costs, which are not lendable. Caps differ between UAE nationals and expatriate residents, between first and subsequent properties, and above certain price thresholds.

Non-residents are generally offered lower caps than residents. Rules are set by the regulator and change, so the figure to plan against is the one your lender confirms in writing, not one from an article.

The figures behind this

What a purchase actually costs

Related terms

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