Mortgage in Dubai: Financing for Slovaks and Czechs
You don’t need to tie up 100% of your own funds. Use a mortgage for investment or your own home.
Since 2018
helping clients in Dubai
Want to know if
you’ll qualify?
A quick estimate to show whether a mortgage makes sense before you start the process.
Do you need a mortgage in Dubai?
Dubai on a mortgage? For our clients, it’s a reality. Forget the myth that you need to finance 100% of the property price from your own funds in the UAE. Whether you’re looking for a new home or an investment, local banks can finance you. Don’t wait until you save the full amount — find out how to buy now, efficiently.
Frequently asked questions about mortgages
Mortgage for non-residents (up to 50%)
Even if you don’t live in the UAE, Dubai banks can provide financing of up to 50% of the property value. Your eligibility is assessed simply — based on proof of income from your home country (tax returns, bank statements).
Benefits for residents (up to 80%)
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Key to certainty: Pre-approval
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Additional purchase costs (approx. 7%)
In addition to your down payment (20% or 50%), you should prepare funds for transfer-related fees:
Land Department fee (DLD fee)
4 %
Real estate agency commission
2 %
Valuation & mortgage registration fees
1 % cca
Do you meet the mortgage requirements in Dubai?
Income:
Minimum €5,000 monthly (household net income).
Age:
Applicant must be between 21 and 65 years old.
History:
At least 6 months of employment or 2 years of business activity.
Own funds:
At least 50% of the price (non-resident) or 20% (resident).
Documents required for a mortgage
Basic documents:
- Colour scan of passport
- Credit report (from SK/CZ)
- Proof of address (utility bill or bank statement)
If employed:
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If self-employed:
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
1
Eligibility assessment:
We tell you if and how much the bank can lend you.
2
Pre-approval:
We secure pre-approval first, so you can safely sign the reservation agreement.
3
Property valuation:
The bank appoints a valuer to confirm the property value.
4
Final Offer & Transfer:
We sign the final agreement and transfer ownership.
Mortgage process
Answers to questions clients usually have before starting the process.
For off-plan projects, banks do not provide financing at the moment of signing. We arrange your mortgage when:
- The construction is at least 50% complete (depends on the bank), or
- You need to pay the final instalment at handover
Our tip: If you plan to use a mortgage at completion, contact us at least 3–4 months in advance. We’ll secure your pre-approval so funds are ready on time and you avoid developer penalties.
Financing off-plan properties
A foreign legal entity (e.g. Slovak or Czech LLC) cannot be directly registered on the title deed. However, if you plan to purchase through a local Dubai structure (typically a holding in JAFZA or RAK), we can arrange financing.
- Leverage for investors:
Even with company ownership, we can secure financing up to 50% of the property value. - Individual approach:
The bank assesses the ultimate beneficial owner (UBO) and business stability. - Asset & privacy protection:
Company ownership is ideal for investors building a larger portfolio.
Buying property through a company in Dubai
Why clients choose HYPOVEA
Fully digital
Send documents online — no need to travel to the bank.
Deposit protection
With our pre-approval, you don’t risk losing the 10% reservation fee.
Process in your language
We remove language barriers and uncertainty around the legal system.
Book a consultation
A short consultation will give you clarity on your options, the process, and next steps — with no obligation.