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.