Al Zad Real

Non-Resident loan

Loan For Non-resident Dubai

Thanks to affordable prices and lower interest rates, both local and overseas investors have been eyeing Dubai’s diverse real estate market. Through the “mortgage in Dubai for non-residents” option, those living abroad can easily purchase property in the city without straining their finances.

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If you’d like to learn more about who is eligible for non-resident home loans in Dubai and how such mortgages work, you can get all the answers in our guide below.


Yes, overseas investors who want to purchase a property in Dubai to add to their real estate portfolio, or as a holiday home, can certainly get a mortgage. You’ll enjoy various benefits as an investor with a mortgage in Dubai for non-residents, including high loan amounts and increased flexibility.

However, it’s important to know that non-resident foreign investors have limited options for property loans as compared to UAE citizens and ex-pats. Besides, it’s also essential to know about the mortgage types in Dubai before proceeding.

Before you apply for a mortgage in Dubai for non-residents, make sure you meet the eligibility criteria first.

Note that these criteria are a general rule of thumb and may differ between banks in the UAE.

  • You may have to be a citizen of a country that is on the bank’s list before applying for a non-resident home loan in Dubai
  • You must be a salaried or self-employed individual to apply for a non-resident mortgage
  • Some banks also have age restrictions for applicants seeking a non-resident mortgage in Dubai. For instance, ADCB requires non-resident applicants to be above the age of 25 years to apply for a home loan.
  • You will also need to meet the bank’s minimum monthly income requirement; this can differ between UAE expats and non-residents. Additionally, this minimum income requirement must be met post tax deductions. For example, ADCB requires non-residents to have a monthly income of at least AED 25,000 (post-tax) to qualify for their mortgages.
  • Some banks also have a list of property developers and projects that are approved for mortgage financing. You must make sure that your property falls under this approved list before applying for a mortgage

Documents Required For Non-resident loan

When applying for mortgage loans for non-residents, you will need to submit certain documents. Remember, there may be additional documents required based on the property you’re purchasing as well as the terms of the transaction.

However, in general, non-resident applicants will have to submit the following documents for home loans in Dubai:

  • Valid passport (as proof of identity)
  • Bank statements (for the last 3 to 6 months; as proof of funds)

You may be asked to produce additional documents to get a home loan for non-residents in Dubai, such as:

  • Tax returns (if applicable)
  • Salary certificates or payslips (if you are a salaried individual)
  • Trade licence and audited financial statements (if you are self-employed)
  • Details of any existing loans


Banks that offer home loans for non-UAE residents include:

  • Dubai Islamic Bank
  • HSBC
  • Abu Dhabi Islamic Bank
  • First Abu Dhabi Bank
  • Emirates Islamic Bank
  • Ajman Bank
  • Standard Chartered
  • Abu Dhabi Commercial Bank

Please note that these banks have specific eligibility criteria that applicants have to meet to qualify for a mortgage in Dubai for non-residents.

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