---
title: How much down payment do I need for a mortgage?
description: "The required down payment for purchasing a property in the UAE is based on the buyer’s residency status, the property value, and bank policies. - **For properties valued below AED 5 million**: - **UAE Nationals**: Minimum 15% - **UAE Residents**:…"
url: "https://yazodo.com/help/mortgage-loan/how-much-down-payment-do-i-need-for-a-mortgage/"
updated: "2025-11-30"
category: Mortgage Loan
tags:
  - Down Payment Requirements
  - "Loan-to-Value (LTV) Ratio"
  - "Mortgage & Home Loans"
  - Mortgage Eligibility Criteria
---

# How much down payment do I need for a mortgage?

The required down payment for purchasing a property in the UAE is based on the buyer’s residency status, the property value, and bank policies.

- **For properties valued below AED 5 million**:
  - **UAE Nationals**: Minimum 15%
  - **UAE Residents**: Minimum 20%
  - **Non-Residents**: Minimum 40%
- **For properties valued above AED 5 million**:
  - **UAE Nationals**: Minimum 25%
  - **UAE Residents**: Minimum 30%
  - **Non-Residents**: Minimum 50%

Additional factors such as the buyer’s financial profile and whether it is their first, second, or third property may influence the exact down payment required.