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Mortgage & Finance in Dubai Real Estate Flashcards

7 cards from real RERA practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Mortgage & Finance in Dubai Real Estate flashcards as text

  1. What is the maximum LTV ratio permitted for a UAE national purchasing their first residential property valued at AED 3 million?

    Answer: 80%

    UAE Central Bank regulations allow UAE nationals up to 80% LTV for a first residential property valued at AED 5 million or less.

  2. What is the maximum LTV ratio for a non-UAE national purchasing their first residential property in Dubai valued at AED 4 million?

    Answer: 75%

    Non-UAE nationals are permitted a maximum LTV of 75% for first residential property purchases valued at AED 5 million or less under UAE Central Bank regulations.

  3. What is the Dubai Land Department (DLD) fee for registering a mortgage on a property?

    Answer: 0.25% of mortgage value + AED 290

    The DLD charges 0.25% of the mortgage loan amount plus AED 290 in administrative fees for mortgage registration.

  4. Which authority issued the regulations governing maximum LTV ratios for residential property mortgages in the UAE?

    Answer: UAE Central Bank

    The UAE Central Bank issued the mortgage regulations that set LTV limits for residential property purchases across all UAE emirates.

  5. What is the maximum LTV for any buyer — regardless of nationality — purchasing a second residential property in Dubai?

    Answer: 60%

    UAE Central Bank regulations cap LTV at 60% for all buyers, UAE nationals and expats alike, when purchasing a second residential property.

  6. What is the maximum LTV permitted when financing the purchase of an off-plan property in Dubai?

    Answer: 50%

    Off-plan properties carry higher pre-construction risk, so the Central Bank limits financing to a maximum of 50% LTV for all buyer categories.

  7. In an Islamic mortgage structure known as Diminishing Musharaka, how does the buyer eventually acquire full ownership of the property?

    Answer: Through gradual purchase of the bank's equity share over time

    In Diminishing Musharaka, the buyer and bank co-own the property, and the buyer progressively purchases the bank's equity share until full ownership is achieved.

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Sources & references

Exam facts on this page (fees, format, dates, passing scores) are checked against these official sources; the date is our last check. Editorial policy

  1. dubailand.gov.ae — Test delivery, fees, score validity, renewal · verified Oct 2026