Elena Minsk · Peninsula 4
Torn between selling the flat and taking a mortgage, and could not decide which was better. We ran both and the mortgage won.
The flat is let and the payments run quietly.
Mortgage for the final payments in Dubai
Keys are due and nothing to pay with? A bank pays the developer for you.
You add nothing of your own. The rate is 4% a year.
Free · no obligation
Send an enquiry
Four questions and I work out what the bank will pay for you.
- What you already paid counts towards it
- The bank puts in up to 80% of the price
- 4% a year — fixed for three years, the payment cannot climb
- Answer the same day, free
What clients say
People who faced the same choice: sell, or take a mortgage.
Olesya Dnipro · Edge, Select Group
Spent months trying to sell at the listing price and found no buyer at that number. Selling cheaper was not something they wanted.
Took a mortgage on the balance and kept the flat.
Ekaterina Novosibirsk · The Cove II, building 4
They were about to pay the final instalment out of their own pocket. Then they learned a bank covers it, and changed their minds.
On this building the bank approved 70% financing.
Amina Łódź · Binghatti Phantom
Bought on emotion — they loved the building — and misjudged the final payment. The compromise was a mortgage on the balance owed.
Now let on Airbnb at AED 350 a night; the rent covers the payment.
Dmitry Dubai · Lime Gardens
“What I liked is that with a mortgage the bank asks no awkward questions: once a month you top up the loan account in cash and that is it. With a debit account I was forever explaining myself.”
Artem Singapore · Central Park and Kaya
“Had we known earlier, we could have taken three flats instead of two. On the first one we paid ahead for no good reason, and the developer would not even give us 1% off. A mortgage would have been far better. Thank you for arranging the second flat at a low rate.”
Tatiana Kirishi · Emaar Savanna
“I was always afraid of mortgages — it felt like something I did not understand, and borrowing was simply not done in my family. Over time I realised most of my friends are not renting; they are paying off their own place. The fear stayed anyway. My advice: find the right mortgage broker and borrow at a low rate. It is worth it.”
Anna Korolyov · Peninsula Two
“At first we were going to take a mortgage on a flat in Moscow, but Oleg changed our minds when he converted both the price and the rent into dollars. The conflict with Iran landed right on our deal and unsettled us badly, but I now see we were right not to cancel: against that backdrop we got a further discount from the seller. Say what you like, earning in dollars is more comfortable. In Russia we were offered 23%; here we took almost 4%. And the main thing is that the flat pays for itself. I think I will leave it to my son.”
Evgenia Frankfurt am Main · Society House
“The useless agents could not sell the flat even at the 2022 purchase price and had no idea what to do. Four months before the final payment we started reading about mortgages and came across Oleg's video. It was the first mortgage of my life — I had always been afraid of them, I could not see how any of it worked. From experience: the main thing is to find the right person who explains it and walks you through every stage, especially in a country you do not know. Thank you, Oleg.”
How it works
- 1
You message me
Name and phone number. Nothing else.
- 2
I do the maths
Same day I tell you what the bank will pay and what it costs a month.
- 3
The bank pays the developer
You take the keys and pay the bank in instalments.
Work out my payment Free, answer the same day
An example
- The flat costsAED 1 000 000
- Already paid to the developer — 30%AED 300 000
- Still to pay — 70%AED 700 000
- The bank paysAED 700 000
- Your own moneyAED 0
- Rate4% a year
- You pay monthly≈ AED 3 695
- Salary neededfrom AED 15 000 a month
- Rent — 7% net a year≈ AED 5 830 a month
The rent covers the payment and leaves about AED 2 100 a month on top.
When to start
The bank needs to see roughly six months of income, and the developer issues the final invoice one or two months before handover. That is where the timings come from.
- Handover in a year Ideal. Enough room to build six months of income history and choose the bank calmly.
- Handover in six months Tight but doable. Start now — the bank has to see the history.
- The invoice is already issued Still solvable. The developer is notified in writing and small amounts keep going in — that buys about six months.
Work out my payment Free, answer the same day
Free PDF
Free PDFThe Dubai mortgage guide, 2026
Who banks lend to and on what terms, how the final payment on an off-plan unit gets covered, what income you need and which documents. Sent over Telegram as soon as you submit.
- The final payment covered with none of your own money
- Who qualifies, and at what deposit
- The income and documents a bank asks for
Download the guide
The breakdown on video
How to keep your flat when you do not have the money for the final payment — and how a bank covers it at 4%.
Price your own flat
Leave your name and number — I’ll message you and work it out. Free.
If you cannot cover the payment and the keys are close, it is fixable. Even if the payment has been issued or you are already late, there is still time: under UAE law nobody takes the flat while small payments keep going in.
Selling before the keys is the expensive option — buyers expect a discount and you give up about 15% of what you put in. A loan clears the payment and the money stays with you.
Message me. I price your case free and tell you straight whether a bank will say yes.
Talk to a licensed broker: 📲 +971 50 120 32 64 on WhatsApp, @dubai_oleg on Telegram
Calculator
Work out the payment
Loan amount —
Rate 4%
Mortgage / month —
Rent / month — at a 7% annual yield
—
Total interest—
Yield7%
Term—
The bank lends up to 80% of the price, the 4% rate is fixed for three years. Rent is an estimate at the average yield; the exact figure depends on the district and the building.
Get a consultationCommon questions
What people ask most often — and what I tell them.
Do I need any money of my own?
No. What you have already paid the developer counts as your share — the flat itself is what the bank takes as security. Paid 20% under the plan, and the bank puts in the other 80%. Nothing goes on top.
What if 80% is due on keys?
That works too. 80% is the most a bank can cover this way. If more than 80% of the price is still owed, you top up the difference yourself.
How much do I need to earn?
Roughly twice the monthly payment, and never less than AED 15 000 a month. Below that a bank will not look at the file.
What if I have no UAE salary?
Salary is not the only proof. Banks accept three things: a UAE salary, rent from another property you own (from AED 180 000 a year, which is the same AED 15 000 a month), and documented dividends on shares and bonds. If you have none of those, we set up UAE employment — you can work remotely — and after six months of payments you apply.
How early should I start?
A year is comfortable, six months is the minimum. The bank needs to see money arriving for about six months in a row. You cannot build that in a month, and developers issue the final payment notice only one to two months before keys.
The payment is issued and keys are a month away. Too late?
No. The developer gets a formal letter saying the money is coming through a bank, and small payments keep going in. Under UAE law they cannot take the flat while you are paying even 1% of what is owed. In practice that buys about six months — enough to arrange everything.
What if I just do not pay?
After six months of arrears they start taking the flat back. By law you get only 30% of what you have paid in: put in a million, get three hundred thousand. It suits the developer badly too — he sees his money about three years later, after court — so he will talk.
Should I just sell it?
You can, but before keys people buy at a discount and you lose around 15% of what you put in. That is exactly why flats with a big payment due get dumped cheap before completion. A loan clears the payment and the money stays yours.
What rate, and for how long?
The best today is 3.99% fixed for three years — it will not move either way. The term goes up to 25 years. There is an age limit: repaid by 65, or by 70 with a special letter. That is why age matters — at 55 the term is 15 years.
I have seen ads for "from 3.75%". Is that real?
It is a hook. From the second month the UAE central bank rate plus the lender's margin applies and the payment climbs. A three-year fix cannot do that, which is why we take it.
Can I get this if I do not live in the UAE?
Yes, there are non-resident programmes. Gulf and UK passports go through reliably; European ones take noticeably longer. On other passports the route that works is UAE employment, then applying as a resident after six months.
I own several flats. Can I do this for all of them?
Up to five per person. The first gets up to 80% of the valuation, the rest up to 60%.
I already pay 5% or more. Can that be lowered?
Yes. It usually happens when a fixed period ends: the payment goes from AED 9 000 to AED 11 000. Another bank buys the loan over and it goes back to 3.99%.
Why borrow at all if I have the cash?
At 3.99% this is among the cheapest money in the world — the US starts near 5.5%, the UK around 6%, Russia at 23% in roubles. Rent covers the payment, so the flat pays for itself, and your cash stays free.
What do you need to price it?
Four things: your contract with the developer, your passport, your age and whether you live in the UAE. The calculation is free and commits you to nothing.
Free mortgage assessment
Leave a name and a number. I’ll message the same day and tell you what the bank will pay.
Leave your number
Name and number — I’ll ask the rest myself.