Inside Premium Properties

What should property owners in the UAE do?
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One of the most common questions right now is what to do with real estate in the United Arab Emirates given the current situation 🇦🇪
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In the slides, we’ve outlined options for different scenarios. We’ll help you choose the best one during a personal consultation — message us via the link in the profile description.

Installment or mortgage — what to choose when buying property in Dubai or Abu Dhabi
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In the UAE, buyers have alternatives to paying in cash: developer installment plans or bank mortgage financing. Here’s how they differ:
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• Down payment
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With an installment plan, the initial payment is typically 10–20%, depending on the payment schedule.
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With a mortgage, buyers usually need around 26% upfront, which includes the 20% down payment plus DLD fees and bank-related costs.
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• Interest rate
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Developer installment plans are interest-free.
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The average mortgage rate in Dubai is currently around 4%.
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• Property type
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Installment plans are primarily available for off-plan (under-construction) properties.
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Mortgages are most commonly issued for ready properties. Financing for off-plan units is possible but typically limited to major developers and projects at advanced construction stages.
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• Income requirements
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Installment plans do not require proof of income.
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For a mortgage, income verification is mandatory. For UAE residents, the minimum salary requirement is typically AED 10,000–15,000 ($2,700–$4,100) per month.
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Contact us via the link in bio to review your situation — we’ll help you choose the most suitable financing solution🔗