UAE banks open the door to off-plan mortgages — financing arrives before handover

От исследовательского отдела offplans.com · Дубай

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.

Почему это важно

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.

Estimate your numbers with our rental-yield calculator , then browse off-plan projects with attractive payment plans.

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