Can Real Estate Projects in Dubai Be Mortgaged?
Short answer
Yes, real estate projects in Dubai can be mortgaged, but they must be registered with the Dubai Land Department (DLD).
The property also needs to meet certain criteria, such as being completed or nearing completion, and the mortgage terms depend on the lending institution and regulations set by the UAE Central Bank.
Figures to know
Terms in this answer
- Dubai Land Department (DLD)
- The government body that registers property in Dubai. When a purchase is registered, the buyer pays a 4% fee plus an admin charge; off-plan purchases are registered too.
Sources
- The National: Central Bank mortgage cap ruleschecked Nov 13, 2026
- Executive Council Resolution No. 30 of 2013 (DLD fees)checked Nov 13, 2026