Fixed Rate Mortgage in Dubai

Fixed rate mortgages offer stability and predictability for homebuyers in Dubai. With this type of loan, the interest rate remains constant throughout the agreed loan term, making budgeting easier and shielding borrowers from market fluctuations.

How It Works

• You agree to a fixed interest rate with the lender at the time of signing.
• This rate remains unchanged for the duration of the loan (typically 5–25 years).
• Your monthly payments stay consistent, regardless of changes in EIBOR or inflation.

Benefits

• Stable monthly payments
• Protection from rising interest rates
• Ideal for long-term financial planning

Eligibility Criteria

• Minimum monthly income: AED 15,000 (varies by bank)
• Minimum down payment: 20% (30% for properties over AED 5 million)
• Employment history: At least 6 months with current employer
• Credit score: Must meet bank’s internal threshold
• Nationality: Available to UAE nationals and expats

Documents Required

• Passport and Emirates ID
• Salary certificate or trade license
• Bank statements (last 6 months)
• Property sale agreement

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