> **Current as of 2026:** UAE Central Bank LTV caps remain unchanged, up to **80% for residents** (properties under AED 5M; 70% above) and **50–60% for non-residents** depending on the bank and property value. What Is LTV Ratio? Loan-to-Value (LTV) ratio is the percentage of a property's value that a bank will finance through a mortgage. For example, an 80% LTV means the bank lends 80% of the property price, and you pay 20% as a down payment. UAE Central Bank LTV Limits For UAE Nationals First property (under AED 5M): Up to 80% LTV First property (over AED 5M): Up to 70% LTV Second property: Up to 65% LTV For Expats First property (under AED 5M): Up to 75% LTV First property (over AED 5M): Up to 65% LTV Second property: Up to 60% LTV Off-Plan Properties Maximum 50% LTV for all buyers How LTV Affects Your Purchase A higher LTV means a smaller down payment but larger monthly mortgage payments. A lower LTV requires more cash upfront but reduces your loan amount and interest costs over time. Factors Banks Consider Property valuation: Banks conduct independent valuations Income: Debt Burden Ratio must not exceed 50% of gross income Credit history: Strong scores help secure better terms Property type: Ready vs off-plan affects maximum LTV Tips to Optimize Your LTV Save for a larger down payment Consider properties under AED 5M for higher LTV Maintain clean credit history with AECB Compare offers from multiple banks Factor in additional costs beyond the down payment