UAE RATES as of 23 Jul 2026
UAE Base Rate 3.65% — 1M EIBOR 3.78% — 3M EIBOR 3.80% — 6M EIBOR 3.89% — 12M EIBOR 4.15% — Emirates NBD from 3.96% First Abu Dhabi Bank from 3.86% ADCB from 4.12% Mashreq from 4.22% HSBC from 3.91% Dubai Islamic Bank from 4.07% Abu Dhabi Islamic Bank from 4.17% RAKBANK from 4.12% Standard Chartered from 3.95% Emirates Islamic from 4.02% Sharjah Islamic Bank from 4.15% Ajman Bank from 4.20% Invest Bank from 4.25% United Arab Bank from 4.22% Arab Bank from 4.18% Commercial Bank of Dubai from 4.00% National Bank of Fujairah from 4.15%
UAE Base Rate 3.65% — 1M EIBOR 3.78% — 3M EIBOR 3.80% — 6M EIBOR 3.89% — 12M EIBOR 4.15% — Emirates NBD from 3.96% First Abu Dhabi Bank from 3.86% ADCB from 4.12% Mashreq from 4.22% HSBC from 3.91% Dubai Islamic Bank from 4.07% Abu Dhabi Islamic Bank from 4.17% RAKBANK from 4.12% Standard Chartered from 3.95% Emirates Islamic from 4.02% Sharjah Islamic Bank from 4.15% Ajman Bank from 4.20% Invest Bank from 4.25% United Arab Bank from 4.22% Arab Bank from 4.18% Commercial Bank of Dubai from 4.00% National Bank of Fujairah from 4.15%
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For Pakistani buyers

UAE mortgages for Pakistani buyers.

Pakistani nationals — both UAE residents and buyers investing from Pakistan — are increasingly active in Dubai's property market. YOUAE arranges their mortgages across the whole UAE lending market.

Get pre-approved free Non-resident mortgages
Estimate your payment
Property price
AED
Down payment
%
Down payment (AED)
AED
Loan amount
AED
Interest rate
%
Your age
yrs
Loan tenure
Max 25 yrs for age 35 (loan must end by 70).
Monthly paymentAED 6,501
Loan amount
AED 1,200,000
Total interest
AED 750,257
Total repayable
AED 1,950,257
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If you're a UAE resident

UAE-resident Pakistani nationals can borrow up to 80% of the property value on a first home (75% above AED 5M), on standard resident terms.

If you're buying from abroad

Buyers based in Pakistan can finance UAE property as non-residents — usually up to 50–75% of the value, with a larger deposit and appropriate income documentation. We place these cases regularly.

How we help Pakistani buyers

  • Buy as a UAE resident (up to 80% LTV) or as a non-resident from Pakistan (typically 50–75%).
  • Remote purchase via a Power of Attorney is possible — you don't need to be in the UAE throughout.
  • Income from Pakistan salary or business can often be considered by the right lender.
  • End-to-end handling — mortgage, valuation, developer and transfer, coordinated for you.

Compare lenders & costs

We compare every major UAE bank for your profile — see also our Dubai mortgages guide, the calculators, and the full cost of buying. Whether you're resident or investing from abroad, we manage it end to end.

FAQs — mortgages for Pakistani buyers

Can Pakistani citizens buy property in Dubai?

Yes. Pakistani nationals can buy freehold property in Dubai's designated freehold areas and finance it with a UAE mortgage. Residents access higher loan-to-value than non-residents.

Can I get a Dubai mortgage from Pakistan?

Yes. Non-resident Pakistani buyers can secure UAE mortgages, typically up to 50–75% of the value, with a larger deposit and income documents from Pakistan.

Is remote buying possible?

Yes — many Pakistani buyers complete via a Power of Attorney, with YOUAE managing the mortgage and transfer on their behalf.

Ready to finance your UAE home?

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