Home Finance - Overview
Home financing options include conventional mortgages and Islamic home finance, with loan-to-value (LTV) ratios varying based on residency status and property type. The Outlook Properties Team helps clients secure competitive rates and navigate the mortgage approval process efficiently.
Step by Step Guide to Securing Home Finance in Dubai
- Check your credit score and debt-to-income ratio.
- Determine the maximum loan amount based on Central Bank LTV limits.
- The Outlook Properties Team connects you with top lenders for pre-approval.
- Compare fixed-rate, variable-rate, and Islamic finance options.
- Consider repayment terms, interest rates, and early settlement conditions.
- Submit required documents, including salary certificates, bank statements, and passport copies.
- Receive a pre-approval letter outlining the loan amount and terms.
- The Outlook Properties Team facilitates the pre-approval process for a hassle-free experience.
- Choose a property that meets financing eligibility criteria.
- The lender conducts a property valuation to confirm market value.
- Our team ensures smooth coordination between buyers, sellers, and financial institutions.
- Finalize mortgage agreements and sign legal documents.
- Pay the DLD registration fee (4% of property value) and other associated costs.
- The Outlook Properties Team oversees the transfer process, ensuring timely completion.
Latest Sale Projects In Dubai
New Launch
Location: Address The Oasis
Developer: Emaar
Development Type: 4 ,5 & 6 Bedroom Villas
Completion Date: Q2 2029
New Launch
Location: Dubai Land
Developer: Meraas
Development Type: 3 to 7 Standalone Villas
Completion Date: Q4 2027
New Launch
Location: Jumeirah Village Circle (JVC)
Developer: Green Group
Development Type: Studio, 1 & 2 Bedroom
Completion Date: Q1 2028
FAQs - Home Finance Guide
- UAE nationals, residents, and non-residents can apply.
- Eligibility depends on income, employment status, and credit history.
- The Outlook Properties Team assists clients in meeting lender requirements.
- UAE residents: Up to 80% of property value (first property).
- Non-residents: Up to 50% of property value.
- Loan amounts depend on income stability and financial standing.
- DLD registration fee: 4% of property value.
- Bank processing fees: 0.5% - 1% of loan amount.
- Valuation and mortgage registration fees: AED 2,000 – AED 5,000.
- Pre-approval: 3-7 working days.
- Final approval & disbursement: 2-4 weeks after property valuation.
- The Outlook Properties Team ensures timely coordination to expedite approvals.
- We connect clients with leading banks for the best mortgage deals.
- Our team provides expert financial consultation and document preparation.
- We streamline the entire process, from pre-approval to property transfer.
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