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United Arab Emirates Published Loan Rates
Central Bank DBR cap. Non-resident LTV is typically lower.
AED Active Currency
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Lowest Published APR
4.45%
Best rate benchmark currently on record
Market Average APR
5.22%
Mean across tracked lending products
Available Products
2 Benchmarks
Fixed, variable & personal credit
Statutory System
Conventional mortgage or Islamic Home Finance (Ijara)
Verified statutory framework
United Arab Emirates Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
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Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
🏠 Mortgage | 25 Years (300 mo) | 4.45% | fixed | 2026-09-06T00:00:00Z | Calculate → |
|
Market average
⚡ Live
Example market snapshot. Verify current offers before making a decision.
|
👤 Personal Loan | 4 Years (48 mo) | 5.99% | fixed | 2026-09-06T00:00:00Z | Calculate → |
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United Arab Emirates Underwriting Guidelines
Statutory Borrowing Rule
CBUAE mortgage cap: 80% max LTV for expats (under AED 5M) / 85% for UAE nationals; 50% DBR
Mortgage System
Conventional mortgage or Islamic Home Finance (Ijara)
Default Insurance / Guarantee
Standard lender risk provisions apply.
Regulatory Reference