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Category: Mortgage Basics

EIBOR Explained: How UAE Mortgage Interest Rates Are Set (2026 Guide)

Hand pointing a pen at a printed chart showing rising interest rate percentages next to a laptop and calculator

EIBOR is the benchmark rate behind every variable-rate mortgage in the UAE. Here’s what it actually is, where the current 3-month rate stands in 2026, and how to decide between fixed and variable with it.

UAE Mortgage Down Payment Rules 2026: What You Actually Need in Cash to Close

Wooden model house with keys resting on a mortgage document, representing UAE mortgage down payment and closing costs

The UAE mortgage down payment is only part of the bill. Here’s the full cash-to-close breakdown by buyer type — down payment, DLD fees, commission, and closing costs.

UAE Mortgage Eligibility: How Much Can You Borrow in 2026?

Calculator with a house-shaped keychain surrounded by mortgage and home buying reference materials

How much mortgage can you actually get in the UAE? A plain-language walkthrough of the CBUAE Debt Burden Ratio, bank stress-testing, LTV tiers, and a real worked example showing how existing debt shrinks your borrowing power.

UAE Mortgage Offer Letter Checklist: 12 Terms to Check Before You Sign

Mortgage broker and family reviewing a UAE mortgage offer letter and signing documents

Before signing a UAE mortgage offer letter, check the fixed period, EIBOR margin, floor rate, reset frequency, fees, insurance, settlement terms, conditions and total repayment—not only the headline rate.

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