By the offplans.com Research Desk · Dubai
In a significant shift for buyers, UAE banks have agreed to extend mortgage financing to off-plan purchasers — a category that traditionally relied on developer payment plans alone. ADCB has introduced an off-plan mortgage offering pre-approval of up to 50% loan-to-value, while Emirates NBD, in partnership with Dubai Holding, is enabling earlier mortgage access on select developments, per Khaleej Times and Gulf News.
Rates have also moved in buyers’ favour, with off-plan financing advertised from around 3.49% fixed for three years against a broader market range of roughly 3.99–5.5%. Active lenders in the space now include Emirates NBD, ADCB, Mashreq, FAB and HSBC.
Why it matters
Off-plan accounted for the majority of Dubai transactions in early 2026, and mortgage access removes a major hurdle for end-users and investors who previously had to self-fund the construction period. Combined with developer payment plans, buyers now have far more flexibility to structure a purchase.
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