Financing an Emaar Property
Which banks finance Emaar, the payment plans, off-plan mortgage rules — with our full calculator. Compared across 20+ UAE banks.
Emaar is Dubai's flagship master developer (Downtown, Dubai Marina, Dubai Creek Harbour, Dubai Hills, Emaar Beachfront and more), and its blue-chip status makes it one of the easiest developers to finance — Emaar projects sit on virtually every UAE bank's approved list, and Emaar is pre-approved under the new off-plan mortgage schemes (Mashreq, and Emirates NBD's developer tie-ups).
Emaar mortgage calculator
The full Ambizent calculator, built on UAE Central Bank rules. Model the handover mortgage on your Emaar unit — enter the price and profile, then we compare your exact rate across 20+ banks.
Upfront costs (paid in cash)
down payment + fees—
Estimates only, based on UAE Central Bank LTV/DBR regulations and typical Dubai fee schedules. Non-resident LTVs reflect common bank policy rather than a published cap. Final terms are set by the lender. This is not financial advice.
Get pre-approved — compare all banks →Emaar payment plans
Emaar's 2025–2026 launches run construction-linked payment plans — commonly a 10% booking down payment then staged instalments to handover, in shapes like 80/20 and 90/10 (occasionally with a short post-handover tail on select projects). This means most of the price is paid during construction, and buyers typically mortgage the final handover payment, where up to 80% financing applies for an expat's first home under AED 5M.
Which banks finance Emaar?
Because Emaar is a blue-chip master developer, nearly every UAE bank finances Emaar property at handover, and several finance Emaar off-plan before completion: Mashreq (off-plan product, 35%+ construction, up to 50% LTV, pre-approved for Emaar), and Emirates NBD (fast DLD-integrated processing, ideal for Emaar handovers). For the best handover mortgage, HSBC and Standard Chartered often lead on rate, while Emirates NBD leads on speed — we compare all of them for your specific Emaar unit.
💳 Off-plan mortgage
Capped at 50% LTV. Available on Emaar through select banks once the project reaches the required construction stage.
🏡 Handover mortgage
Up to 80% LTV (expat first home). The most common route — pay construction instalments, mortgage the handover payment.
The smartest financing route for Emaar buyers
For most Emaar buyers the smartest route is: pay the construction instalments on Emaar's plan, then take a mortgage for the handover payment (up to 80% LTV). If you'd rather bring financing in earlier, an off-plan mortgage via Mashreq or an ENBD tie-up may be possible once the project is 35%+ complete — we'll tell you which applies to your project.
Financing an Emaar property — FAQs
Which banks finance Emaar properties?
Nearly every UAE bank finances Emaar at handover, as Emaar sits on all major approved-developer lists. For off-plan (before completion), Mashreq's off-plan product is pre-approved for Emaar (35%+ construction, up to 50% LTV), and Emirates NBD offers fast DLD-integrated financing. We compare rates across 20+ banks for your Emaar unit.
What are Emaar's payment plans in 2026?
Emaar's current launches use construction-linked plans — typically 10% at booking then staged instalments to handover, in 80/20 or 90/10 shapes, occasionally with a short post-handover component on select projects. Most of the price is paid during construction, with the handover payment commonly covered by a mortgage.
Can I get a mortgage on an Emaar off-plan property?
Yes, in two ways: an off-plan mortgage (capped at 50% LTV, available on Emaar via Mashreq and ENBD tie-ups once the project is ~35%+ complete), or — more commonly — by paying Emaar's construction instalments and mortgaging the final handover payment at up to 80% LTV. We confirm which route fits your project and profile.
How much deposit do I need for an Emaar property?
On Emaar's payment plan, booking is typically 10%. If you mortgage the handover payment, you'll need at least 20% of the price as your own equity (expat first home) plus fees. For an off-plan mortgage during construction, the LTV cap is 50%, so you fund the other 50%. Use the calculator above and we'll confirm your exact numbers.
Is Emaar a good developer to buy off-plan?
Emaar is Dubai's flagship master developer with a strong delivery track record, which is why banks finance it so readily and buyers see it as lower-risk. That financeability and liquidity are real advantages when buying off-plan. We help you finance an Emaar purchase on the best available terms.
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