Answers
What LTV can I get on an off plan property?
A short answer, with the article it comes from.
The answer
Fifty percent, for everybody. Resident or national, whatever the price, off plan caps at half the value.
CBUAE Circular 31/2013 Article 3.2.C, checked 26 August 2026.
This is the sharpest cliff in UAE mortgage regulation. A completed first home for an expatriate resident caps at 80 percent and for a UAE national at 85 percent. The same buyer, buying off plan, caps at 50 percent. The difference is not the buyer, it is the property.
The practical effect is that off plan needs roughly twice the cash of a completed purchase, before the Land Department fee and the rest of the costs, all of which sit on top of the deposit and cannot be borrowed.
It also means the handover moment matters enormously. What finance is available before, at, and after handover is not one question but three, and developers' own payment plans interact with it in ways that are specific to the development.
If you are weighing an off plan purchase, the cash requirement is the part to establish first, and it is worth establishing with someone who can see the whole panel rather than a single bank's brochure.
Rules are the easy part. Your file is the question.
The regulation sets the ceiling. Which bank says yes, and on what terms, is what we do.