抵押贷款是银行提供的一种贷款，帮助您融资购买房产。您在设定的期限内（通常为20-25年）连本带息地偿还贷款。

这是贷款金额上收取的利率。它决定了您的每月还款额和贷款的总成本。

1 Your current situation Whether you're a first-time buyer, moving to a new property or remortgaging your existing one 2 Your details Your name, address, and whether you're making a single or joint application 3 Property details Whether it's a new build, a house or an apartment 4 How much you need to borrow Usually the value of the property you're buying, minus your deposit 5 How much you earn Your salary, plus any extras like bonuses or overtime

To apply for a mortgage in the UAE, individuals typically need to provide proof of income, a valid Emirates ID, a passport copy, and bank statements. Some may also require a proof of down payment, which is usually a percentage of the property's value.

Yes, expatriates can qualify for mortgages in the UAE, but with specific requirements compared to nationals. This may include higher down payments, shorter loan terms, and thorough income verification processes.

The approval process can take 5-6 working days for pre-approval and longer for final approval, depending on the bank and your situation.

最理想的是在开始看房子之前，就做好银行房贷的预审批。这样的话你能更清晰的知道自己的预算范围，同时在跟房东还价时也更有优势。

比较不同银行的利率和条款。 了解相关费用和成本。 考虑您的长期财务稳定性和还款能力。 还要考虑额外的费用，如物业维护和未来可能的利率上涨。

Sharia-compliant property financing that complies with Sharia, or Islamic law. For more information.

Several fees are involved such as: Processing fee: Charged by the bank for processing your application. Valuation fee: Covers the cost of assessing the property's value. Mortgage registration fee: Paid to the government to register the mortgage. Property insurance: Mandatory to protect the property against unforeseen events.

Interest rates vary depending on the bank, loan product, loan-to-value (LTV) ratio, and your individual credit profile. Rates typically range from 4% to 5% as of August 2024. It's recommended to compare rates from different banks before committing.

The LTV ratio is the percentage of the property's value that the bank will finance through the mortgage. In the UAE, LTV limits are set by the Central Bank: Up to 85% LTV for UAE nationals: for properties under AED 5 million; 75% for properties above. Up to 80% LTV for expatriates: for properties under AED 5 million; 70% for properties above.

固定利率 享受恒定利率的安全性，确保在整个贷款期限内每月还款额可预测。 阿联酋银行通常只在贷款合同的最初几年，提供固定利率选项，通常为1到5年。固定利率期满后，您的抵押贷款将转换为约定的浮动利率。 浮动利率 当市场利率（EIBOR）较低时，您可以受益于初期较低的利率，这些利率可能会根据市场条件随时间波动。

可以的。在保有房产的同时，通过抵押贷款更好利用您的房产净值。然而，大多数银行对这类交易有更严格的要求，并且可能会收取更高的利率或手续费。